Enhanced smart card usage

• US 9,208,634 B2
• Filed: 12/09/2009
• Issued: 12/08/2015
• Est. Priority Date: 12/19/2008
• Status: Active Grant

• Current Assignee: NXP B.V. (NXP Semiconductors NV)
• Original Assignee: NXP B.V. (NXP Semiconductors NV)
• Inventors: Lam, Alister
• Primary Examiner(s): AMELUNXEN, BARBARA J
• Application Number:
  US13/133,369
• Publication Number:
  US 20110251955A1
• Time in Patent Office: 2,190 Days
• Field of Search: 705/41, 713/168, 235/492, 235/379, 235/487, 235/375
• US Class Current: 1/1
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/35 communicating wirelessly
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC 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 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A smart card (40) is distributed to a cardholder in a non-operative form, with a digital token. The token is sent, via a near field communication interface, to a wireless communication device (10) and forwarded to a verification entity (30) via a wireless communication interface. The communication device (10) receives content for the smart card and sends the content to the smart card (40) to render it into an operative form. A transaction on a cardholder'"'"'s account is authorized by a process which comprises sending a notification of the transaction to a wireless communication device and notifying the user of the transaction via a user interface of the device. A user can approve the transaction by bringing the smart card within range of the communication device and sending a card identifier via a near field communication interface.

Claims

1. A method of preparing a smart card for use comprising, at a wireless communication device:

receiving, via a near field communication interface of the wireless communication device, a digital token from the smart card, wherein the smart card is issued in a non-operative form and the issued smart card lacks content required for an operative form;

sending the digital token to a verification entity, via a wireless communication interface;

receiving, via the wireless communication interface, content required for an operative form for the smart card; and

sending the content to the smart card via the near field communication interface, wherein the smart card is rendered into the operative form.

2. The method according to claim 1, further comprising:

receiving a data value calculated for the new content from the smart card via the near field communication interface; and

sending the data value to the verification entity, via the wireless communication interface.

3. The method according to claim 1 further comprising:

waiting for a user input before sending the digital token to the verification entity.

4. The method according to claim 3, wherein the user input is at least one of a personal identification number and a biometric input.

15. A computer program product stored on a non-transitory computer readable medium causing a processor to execute the steps of [the method of claim 1]

receiving, via a near field communication interface of the wireless communication device, a digital token from the smart card, wherein the smart card is issued in a non-operative form and the issued smart card lacks content required for an operative form;

sending the digital token to a verification entity, via a wireless communication interface;

receiving, via the wireless communication interface, content required for an operative form for the smart card; and

sending the content to the smart card via the near field communication interface, wherein the smart card is rendered into the operative form.

5. A method of preparing a smart card for use comprising:

receiving, at a network entity, from a wireless communication device, a digital token which has been obtained from the smart card and a wireless communication device identifier, wherein the smart card is issued in a non-operative form and the issued smart card lacks content required for an operative form;

verifying, at the network entity, that the wireless communication device identifier matches a registered wireless communication device of a cardholder and that the digital token matches a digital token used on the smart card issued to the cardholder; and

sending content required for an operative form for the smart card to the wireless communication device from the network entity, wherein the smart card is rendered into the operative form.

6. A method of authorizing a smart card transaction on a cardholder'"'"'s account comprising:

receiving, at a wireless communication device, via a wireless communication interface of the wireless communication device, a notification from a verification entity of a transaction on the cardholder'"'"'s account, wherein the smart card is issued in a non-operative form and the issued smart card lacks content required for an operative form;

notifying the user of the transaction via a user interface of the wireless communication device;

interrogating a smart card via a near field communication interface of the wireless communication device for a card identifier;

sending an approval message to the verification entity, via the wireless communication interface of the wireless communication device, wherein the approval message comprises content required for the operative form; and

receiving the card identifier, wherein the smart card is rendered into the operative form.

7. The method according to claim 6, further comprising:

waiting for user input before sending the approval message to the verification entity.

8. The method according to claim 7, wherein the user input is at least one of:

a personal identification number;

a biometric input.

9. The method according to claim 6, wherein the notifying comprises:

notifying the user of the transaction value.

10. The method according to claim 6, wherein the approval message contains the card identifier.

11. The method according to claim 6, wherein the communication device stores a card identifier and issues the approval message if the stored card identifier matches the card identifier received from the smart card.

12. A method of authorizing a smart card transaction on a cardholder'"'"'s account comprising:

sending, from a verification entity to a wireless communication device, a notification of a transaction on the cardholder'"'"'s account, wherein the smart card is issued in a non-operative form and the issued smart card lacks content required for an operative form;

receiving, at the verification entity, an approval message from the wireless communication device, wherein the approval message includes content required for the operative form; and

receiving a card identifier from the smart card by the wireless communication device, wherein the smart card is rendered into the operative form.

13. The method according to claim 12, wherein the approval message includes at least one of:

a personal identification number or a biometric input which has been received at a user interface of the wireless communication device.

14. A wireless communication device comprising:

a wireless communication interface;

a near field communication interface;

a user interface; and

a processor which is configured to perform the method according to the following steps;

receiving, via a near field communication interface of the wireless communication device, a digital token from the smart card, wherein the smart card is issued in a non-operative form and the issued smart card lacks content required for an operative form;

sending the digital token to a verification entity, via a wireless communication interface;

receiving, via the wireless communication interface, content required for an operative form for the smart card; and

sending the content to the smart card via the near field communication interface, wherein the smart card is rendered into the operative form.