Methods and apparatus for use in association with identification token

• US 8,794,532 B2
• Filed: 12/29/2008
• Issued: 08/05/2014
• Est. Priority Date: 12/29/2008
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Phillips, Simon, Marshall-Rees, Stephen
• Primary Examiner(s): Savusdiphol, Paultep
• Application Number:
  US12/344,863
• Publication Number:
  US 20100163616A1
• Time in Patent Office: 2,045 Days
• Field of Search: 235/375, 235/379, 235/380, 235/487, 235/492
• US Class Current: 235/492
• CPC Class Codes: G06K 19/077 Constructional details, e.g. mounting of circuits in the carrier
• CPC Class Codes: G06K 19/07732 the record carrier having a housing or construction similar to well-known portable memory devices, such as SD cards, USB or memory sticks housings for electrical equipment in general, see H05K5/02
• CPC Class Codes: G06K 19/07741 comprising a first part operating as a regular record carrier and a second attachable part that changes the functional appearance of said record carrier, e.g. a contact-based smart card with an adapter part which, when attached to the contact card makes the contact card function as a non-contact card
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card

Abstract

In some embodiments, a method includes supporting an identification token, issued to an account holder by a non-card shaped body of a device; communicating with a proximity coupling device via a wireless interface of the identification token; electrically connecting a communication device to an electrical connector attached to the non-card shaped body; and resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device. In some embodiments, the non-card shaped body of the device is a non-card shaped body of a device issued to the account holder. In some embodiments, the communication device is a communication device issued to the account holder. In some embodiments, an apparatus includes an identification token having a wireless interface; a non-card shaped body that encloses the identification token; and an electrical connector attached to the non-card shaped body and adapted to be electrically connected to a communication device; the identification token to communicate with a proximity coupling device via the wireless interface, and to reset a security parameter in the identification token in response, at least in part, to at least one signal from the communication device.

Claims

1. A method comprising:

supporting an identification token, issued to an account holder, by a non-card shaped body of a device issued to the account holder;

communicating with a proximity coupling device via a wireless interface of the identification token;

electrically connecting a communication device to an electrical connector attached to the non-card shaped body;

communicating with the communication device via the electrical connector; and

resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device and without requiring a transfer of money from the account holder in return for the resetting of the security parameter in the identification token;

wherein the communication device includes a counter indicative of a number of occasions that the communication device may be used in resetting the security parameter in the identification token.

2. The method of claim 1 wherein communicating with the communication device comprises:

receiving the at least one signal from the communication device via the electrical connection; and

transmitting at least one signal from the identification token to the communication device via the electrical connection.

3. The method of claim 1 wherein the identification token comprises a proximity payment device.

4. The method of claim 1 wherein communicating with the proximity coupling device via the wireless interface comprises transmitting at least one of:

an account number; and

a name of a person.

5. The method of claim 1 wherein the security parameter comprises a security parameter based at least in part on at least one of:

a number of transactions that have been made using the identification token; and

an amount that has been spent using the identification token.

6. The method of claim 1 wherein the security parameter comprises an EMV risk parameter.

7. The method of claim 1 further comprising disabling use of the identification token if the security parameter does not satisfy a criteria.

8. The method of claim 1 wherein the non-card shaped body encloses the identification token.

9. The method of claim 1 wherein the non-card shaped body comprises a body of at least one of:

a cell phone, a wristwatch, a portable data assistant, a music player, a key fob and a USB flash drive.

10. The method of claim 1 wherein the connector comprises a USB connector.

11. The method of claim 1 further comprising providing a human detectable indication that security parameter has been reset.

12. The method of claim 1 further comprising:

transmitting a request for authorization to reset the security parameter from the identification token to the communication device; and

after the transmitting of the request for authorization to reset the security parameter from the identification token to the communication device, receiving, from the communication device, an authorization to reset the security parameter;

wherein the resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device comprises;

resetting the security parameter in the identification token in response, at least in part, to the authorization to reset the security parameter that is received from the communication device after the transmitting of the request for authorization to reset the security parameter from the identification token to the communication device.

13. The method of claim 1 further comprising:

receiving, from the communication device, an authorization to reset the security parameter;

wherein the authorization to reset the security parameter expires if it is not transmitted to the identification token with a certain period of time; and

wherein the resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device comprises;

resetting the security parameter in the identification token in response, at least in part, to the authorization to reset the security parameter that is received from the communication device and expires if it is not transmitted to the identification token with a certain period of time.

14. The method of claim 1 wherein the resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device and without requiring a transfer of money from the account holder in return for the resetting of the security parameter in the identification token comprises:

resetting a security parameter in the identification token in response, at least in part, to at least one signal that is from the communication device and supplied by the communication device only after it has been determined that an account represented by an account number in the identification token is in good standing.

15. The method of claim 1 wherein the security parameter that is in the identification token and reset in response, at least in part, to the at least one signal from the communication device, comprises:

a security parameter that is also resetable by positioning the identification token within range of a proximity coupling device of a point of sale system for an amount of time needed for reset of the security parameter in the identification token.

16. The method of claim 1 wherein the security parameter that is in the identification token and reset in response, at least in part, to the at least one signal from the communication device, comprises:

a security parameter that is automatically reset if;

(1) the identification token has been used in a predetermined number of transactions and/or the identification token has been used to spend a predetermined amount, (2) an account represented by the account number in identification token is in good standing, (3) the identification token has not been reported lost and (4) the identification token is held within range of a point of sale system for an amount of time needed to reset the security parameter.

17. The method of claim 1 further comprising:

resetting the counter so that the communication device may again be used in resetting the security parameter in the identification token.

18. The method of claim 1 wherein the communication device includes information that defines a schedule for requesting authorization to reset the security parameter in the identification token.

19. The method of claim 18 wherein one or more portions of the information that is included in the communication device and defines the schedule for requesting authorization to reset the security parameter in the identification token is based at least in part on data supplied by the account holder.

20. Apparatus comprising:

an identification token issued to an account holder and having a wireless interface;

a non-card shaped body that encloses the identification token; and

an electrical connector attached to the non-card shaped body and adapted to be electrically connected to a communication device;

the identification token to communicate with a proximity coupling device via the wireless interface, to communicate with the communication device via the electrical connector, and to reset a security parameter in the identification token in response, at least in part, to at least one signal from the communication device and without requiring a transfer of money from the account holder in return for the reset of the security parameter in the identification token;

wherein the communication device includes a counter indicative of a number of occasions that the communication device may be used in resetting the security parameter in the identification token.

21. The apparatus of claim 20 wherein the identification token to communicate with the communication device comprises an identification token to:

receive the at least one signal from the communication device via the electrical connector; and

transmit at least one signal to the communication device via the electrical connector.

22. The apparatus of claim 20 wherein the identification token comprises a proximity payment device.

23. The apparatus of claim 20 the identification token to communicate with the proximity coupling device via the wireless interface comprises an identification token to transmit at least one of:

an account number; and

a name of a person.

24. The apparatus of claim 20 wherein the security parameter comprises a security parameter based at least in part on at least one of:

a number of transactions that have been made using the identification token; and

an amount that has been spent using the identification token.

25. The apparatus of claim 20 wherein the security parameter comprises an EMV risk parameter.

26. The apparatus of claim 20 wherein the identification token is further to disable use of the identification token if the security parameter does not satisfy a criteria.

27. The apparatus of claim 20 wherein the non-card shaped body encloses the identification token.

28. The apparatus of claim 20 wherein the non-card shaped body comprises a body of at least one of:

a cell phone, a wristwatch, a portable data assistant, a music player, a key fob and a USB flash drive.

29. The apparatus of claim 20 wherein the connector comprises a USB connector.

30. A method comprising:

supporting an identification token, issued to an account holder, by a non-card shaped body;

communicating with a proximity coupling device via a wireless interface of the identification token;

electrically connecting a communication device, issued to an account holder, to an electrical connector attached to the non-card shaped body;

communicating with the communication device via the electrical connector;

and

resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device and without requiring a transfer of money from the account holder in return for the resetting of the security parameter in the identification token;

wherein the communication device includes a counter indicative of a number of occasions that the communication device may be used in resetting the security parameter in the identification token.

31. The method of claim 30 further comprising providing a human detectable indication that the security parameter has been reset.

32. Apparatus comprising:

a body;

a USB connector attached to the body;

a mass storage system supported by the body, the mass storage device coupled to the USB connector and to communicate via the USB connector; and

an identification token issued to an account holder and supported by the body, the identification token having a wireless interface to communicate with a proximity coupling device, the identification token further having an interface coupled to the USB connector to communicate via the USB connector;

wherein the identification token is to reset a security parameter in the identification token in response, at least in part, to at least one signal from a communication device electrically connected to the USB connector and without requiring a transfer of money from the account holder in return for the reset of the security parameter in the identification token; and

wherein the communication device includes a counter indicative of a number of occasions that the communication device may be used in resetting the security parameter in the identification token.

33. The apparatus of claim 32 wherein the mass storage system comprises a mass storage system to:

receive information via the USB connector;

store the information;

retrieve the information; and

supply the retrieved information via the USB connector.

34. The apparatus of claim 33 wherein the mass storage system comprises a USB controller and flash memory coupled to the USB controller.

35. The apparatus of claim 32 wherein the body comprises a body of a USB flash drive.

36. The apparatus of claim 32 wherein the identification token comprises a proximity payment device.

37. The apparatus of claim 36 wherein the body comprises a body of a USB flash drive.

38. The apparatus of claim 36 wherein the proximity payment device comprises a proximity payment device to reset a security parameter in the proximity payment device in response, at least in part, to at least one signal from the communication device.

39. The apparatus of claim 38 wherein the security parameter comprises a security parameter based at least in part on at least one of:

a number of transactions that have been made using the proximity payment device; and

an amount that has been spent using the proximity payment device.

40. The apparatus of claim 39 wherein the body comprises a body of a USB flash drive.

41. A method comprising:

supporting an identification token, issued to an account holder, by a body that supports a mass storage system coupled to a USB connector;

communicating with a proximity coupling device via a wireless interface of the identification token; and

communicating with a communication device via the USB connector and an interface of the identification token;

wherein the identification token is to reset a security parameter in the identification token in response, at least in part, to at least one signal from the communication device and without requiring a transfer of money from the account holder in return for the resetting of the security parameter in the identification token;

wherein the communication device includes a counter indicative of a number of occasions that the communication device may be used in resetting the security parameter in the identification token.

42. The method of claim 41 wherein the body comprises a body of a USB flash drive.

43. A method comprising:

supporting an identification token, issued to an account holder, by a non-card shaped body of a device issued to the account holder;

communicating with a proximity coupling device via a wireless interface of the identification token;

electrically connecting a communication device to an electrical connector attached to the non-card shaped body;

communicating with the communication device via the electrical connector; and

resetting a security parameter in the identification token in response, at least in part, to at least one signal from the communication device and without requiring a transfer of money from the account holder in return for the resetting of the security parameter in the identification token;

wherein the communication device includes information that defines a schedule for requesting authorization to reset the security parameter in the identification token.

44. The method of claim 43 wherein one or more portions of the information that is included in the communication device and defines the schedule for requesting authorization to reset the security parameter in the identification token is based at least in part on data supplied by the account holder.

45. The method of claim 43 wherein the information that is included in the communication device and defines a schedule for requesting authorization to reset the security parameter in the identification token comprises:

a schedule for the communication device to request, from an authorization device operated by the issuer, the authorization to reset the security parameter in the identification token.

46. Apparatus comprising:

an identification token issued to an account holder and having a wireless interface;

a non-card shaped body that encloses the identification token; and

an electrical connector attached to the non-card shaped body and adapted to be electrically connected to a communication device;

the identification token to communicate with a proximity coupling device via the wireless interface, to communicate with the communication device via the electrical connector, and to reset a security parameter in the identification token in response, at least in part, to at least one signal from the communication device and without requiring a transfer of money from the account holder in return for the reset of the security parameter in the identification token;

wherein the communication device includes information that defines a schedule for requesting authorization to reset the security parameter in the identification token.

47. The apparatus of claim 46 wherein one or more portions of the information that is included in the communication device and defines the schedule for requesting authorization to reset the security parameter in the identification token is based at least in part on data supplied by the account holder.

48. The apparatus of claim 46 wherein the information that is included in the communication device and defines a schedule for requesting authorization to reset the security parameter in the identification token comprises:

a schedule for the communication device to request, from an authorization device operated by the issuer, the authorization to reset the security parameter in the identification token.