Method and system of contactless interfacing for smart card banking

• US 8,924,293 B1
• Filed: 12/05/2012
• Issued: 12/30/2014
• Est. Priority Date: 01/30/1998
• Status: Expired due to Fees

• Current Assignee: Citicorp Credit Services Incorporated (Citigroup Incorporated)
• Original Assignee: Citicorp Development Center Incorporated (Citigroup Incorporated)
• Inventors: Kawan, Joseph C.
• Primary Examiner(s): FELTEN, DANIEL S
• Application Number:
  US13/705,391
• Time in Patent Office: 755 Days
• Field of Search: 705/41, 705/42, 705/44, 235/379, 235/380
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/1085 involving automatic teller machines [ATMs]
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/202 Depositing operations within ATMs depositing in general G07D11/00
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1025 Identification of user by a PIN code

Abstract

A method and system of smart card banking utilizes a contactless communication interface, such as infrared or a wireless or radio frequency interface, including, for example, a proximity interface. A contactless communication is initiated for a smart card user between a smart card application and the on-line system of a financial institution, such as a bank, the system verifies authorization for the communication, the information is communicated for the user to the on-line system. The contactless communication is initiated, and the information is communicated, for example, between a contactless interface transceiver of a personal data assistant, into which the smart card is inserted, and the contactless interface transceiver of an on-line terminal. Alternatively, the contactless communication is initiated, and the information is communicated between a contactless interface transceiver of the smart card and the contactless interface transceiver of the terminal.

Claims

1. A method of contactless interfacing for a financial transaction card, comprising:

accessing a financial transaction card application on a hand-held computing device for the financial transaction card;

receiving identifying information and transaction information on the hand-held computing device;

initiating a contactless communication interface between the hand-held computing device and an automated teller machine of a financial institution, wherein initiating the contactless communication interface further comprises aligning the hand-held computing device into a position of substantial alignment with a sensor of the automated teller machine;

verifying the financial transaction card by the automated teller machine based at least in part on the identifying information received via the contactless communication interface between the hand-held computing device and the automated teller machine; and

communicating the transaction information entered by the user on the hand-held computing device to the automated teller machine via the contactless communication interface, wherein the automated teller machine is programmed to present a sequence of selection screens for a transaction related to the transaction information entered by the user on the hand-held computing device, wherein the hand-held computing device is programmed to skip the presentation of at least some of the selection screens of the sequence, and wherein communicating the transaction information further comprises skipping the presentation of said at least one selection screen of the sequence by the hand-held computing device.

2. The method of claim 1, wherein initiating the contactless communication interface further comprises initiating a wireless communication interface.

3. The method of claim 2, wherein initiating the wireless communication interface further comprises initiating a radio frequency communication interface.

4. The method of claim 3, wherein initiating the radio frequency communication interface further comprises initiating a proximity communication interface.

5. The method of claim 1, wherein initiating the communication further comprises initiating the contactless communication interface between the financial transaction card application and a financial institution.

6. The method of claim 1, wherein the hand-held computing device comprises a telephone.

7. The method of claim 6, wherein the telephone further comprises a wireless telephone.

8. The method of claim 1, wherein the hand-held computing device comprises a personal data assistant.

9. The method of claim 1, wherein initiating the contactless communication interface further comprises initiating the communication through a proximity transceiver of the hand-held computing device.

10. The method of claim 1, wherein verifying the financial transaction card further comprises verifying the financial transaction card based at least in part on the identifying information received via the contactless communication interface with the hand-held computing device.

11. The method of claim 1, wherein verifying the financial transaction card further comprises receiving a personal identification number (“

PIN”

) for the user and verifying the PIN with security information for the user.

12. The method of claim 1, wherein verifying the financial transaction card further comprises receiving biometric information for the user and verifying the biometric information with security information for the user.

13. A method of contactless interfacing for a financial transaction card, comprising:

accessing a financial transaction card application on a hand-held computing device for the financial transaction card;

receiving identifying information and transaction information on the hand-held computing device;

initiating a contactless communication interface between the hand-held computing device and a personal computer having a communication interface to a financial institution, wherein initiating the contactless communication interface further comprises aligning the hand-held computing device into a position of substantial alignment with a sensor of the personal computer;

verifying the financial transaction card by the automated teller machine based at least in part on the identifying information received via the contactless communication interface between the hand-held computing device and the personal computer; and

communicating the transaction information entered by the user on the hand-held computing device to the personal computer via the contactless communication interface, wherein the personal computer is programmed to present a sequence of selection screens for a transaction related to the transaction information entered by the user on the hand-held computing device, wherein the hand-held computing device is programmed to skip the presentation of at least some of the selection screens of the sequence, and wherein communicating the transaction information further comprises skipping the presentation of said at least one selection screen of the sequence by the hand-held computing device.

14. The method of claim 13, wherein initiating the contactless communication interface further comprises initiating a wireless communication interface.

15. The method of claim 14, wherein initiating the wireless communication interface further comprises initiating a radio frequency communication interface.

16. The method of claim 15, wherein initiating the radio frequency communication interface further comprises initiating a proximity communication interface.

17. The method of claim 13, wherein initiating the communication further comprises initiating the contactless communication interface between the financial transaction card application and a financial institution.

18. The method of claim 13, wherein the hand-held computing device comprises a telephone.

19. The method of claim 18, wherein the telephone further comprises a wireless telephone.

20. The method of claim 13, wherein the hand-held computing device comprises a personal data assistant.

21. The method of claim 13, wherein initiating the contactless communication interface further comprises initiating the communication through a proximity transceiver of the hand-held computing device.

22. The method of claim 13, wherein verifying the financial transaction card further comprises verifying the financial transaction card based at least in part on the identifying information received via the contactless communication interface with the hand-held computing device.

23. The method of claim 13, wherein verifying the financial transaction card further comprises receiving a PIN for the user and verifying the PIN with security information for the user.

24. The method of claim 13, wherein verifying the financial transaction card further comprises receiving biometric information for the user and verifying the biometric information with security information for the user.

25. A contactless interface system for a financial transaction card, comprising:

a hand-held computing device capable of establishing a bi-directional communication interface with the financial transaction card;

wherein the hand-held computing device has an input device for receiving identifying information and transaction information entered by a user;

wherein the hand-held computing device initiates a contactless bi-directional communication interface with an automated teller machine having a communication interface with an on-line system of a financial institution;

wherein the on-line system verifies the financial transaction card via identification information received via the contactless communication interface between the hand-held computing device and the automated teller machine; and

wherein the hand-held computing device communicates the transaction information via the contactless communication interface between the hand-held computing device and the automated teller machine, wherein the automated teller machine is programmed to present a sequence of selection screens for a transaction related to the transaction information entered by the user on the hand-held computing device, and wherein the hand-held computing device is programmed to skip the presentation of at least one selection screen of the sequence.

26. The method of claim 25, wherein initiating the contactless communication interface further comprises initiating a wireless communication interface.

27. The method of claim 26, wherein initiating the wireless communication interface further comprises initiating a radio frequency communication interface.

28. The method of claim 27, wherein initiating the radio frequency communication interface further comprises initiating a proximity communication interface.

29. The method of claim 25, wherein initiating the communication further comprises initiating the communication between the financial transaction card application and a financial institution.

30. The method of claim 25, wherein the hand-held computing device comprises a telephone.

31. The method of claim 30, wherein the telephone further comprises a wireless telephone.

32. The method of claim 25, wherein the hand-held computing device comprises a personal data assistant.

33. The method of claim 25, wherein initiating the contactless communication interface further comprises initiating the communication through a proximity transceiver of the hand-held computing device.

34. The method of claim 25, wherein verifying the financial transaction card further comprises verifying the financial transaction card based at least in part on the identifying information received via the contactless communication interface with the hand-held computing device.

35. The method of claim 25, wherein verifying the financial transaction card further comprises receiving a PIN for the user and verifying the PIN with security information for the user.

36. The method of claim 25, wherein verifying the financial transaction card further comprises receiving biometric information for the user and verifying the biometric information with security information for the user.

37. A contactless interface system for a financial transaction card, comprising:

a hand-held computing device capable of establishing a bi-directional communication interface with the financial transaction card;

wherein the hand-held computing device has an input device for receiving identifying information and transaction information entered by a user;

wherein the hand-held computing device initiates a contactless bi-directional communication interface with a personal computer having a communication interface with an on-line system of a financial institution;

wherein the on-line system verifies the financial transaction card via identification information received via the contactless communication interface between the hand-held computing device and the personal computer; and

wherein the hand-held computing device communicates the transaction information via the contactless communication interface between the hand-held computing device and the personal computer, wherein the personal computer is programmed to present a sequence of selection screens for a transaction related to the transaction information entered by the user on the hand-held computing device, and wherein the hand-held computing device is programmed to skip the presentation of at least one selection screen of the sequence.

38. The method of claim 37, wherein initiating the contactless communication interface further comprises initiating a wireless communication interface.

39. The method of claim 38, wherein initiating the wireless communication interface further comprises initiating a radio frequency communication interface.

40. The method of claim 39, wherein initiating the radio frequency communication interface further comprises initiating a proximity communication interface.

41. The method of claim 37, wherein initiating the communication further comprises initiating the communication between the financial transaction card application and a financial institution.

42. The method of claim 37, wherein the hand-held computing device comprises a telephone.

43. The method of claim 42, wherein the telephone further comprises a wireless telephone.

44. The method of claim 37, wherein the hand-held computing device comprises a personal data assistant.

45. The method of claim 37, wherein initiating the contactless communication interface further comprises initiating the communication through a proximity transceiver of the hand-held computing device.

46. The method of claim 37, wherein verifying the financial transaction card further comprises verifying the financial transaction card based at least in part on the identifying information received via the contactless communication interface with the hand-held computing device.

47. The method of claim 37, wherein verifying the financial transaction card further comprises receiving a PIN for the user and verifying the PIN with security information for the user.

48. The method of claim 37, wherein verifying the financial transaction card further comprises receiving biometric information for the user and verifying the biometric information with security information for the user.