Secure credit card with near field communications

• US 9,286,605 B2
• Filed: 09/19/2014
• Issued: 03/15/2016
• Est. Priority Date: 03/24/2005
• Status: Active Grant

• Current Assignee: eBay Inc.
• Original Assignee: eBay Inc.
• Inventors: Kelley, Edward E., Motika, Franco
• Primary Examiner(s): Mai, Thien T
• Application Number:
  US14/491,706
• Publication Number:
  US 20150012440A1
• Time in Patent Office: 543 Days
• US Class Current: 1/1
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/073 Special arrangements for circuits, e.g. for protecting identification code in memory protection against unauthorised use of computer memory G06F12/14
• CPC Class Codes: G06K 7/0008 General problems related to the reading of electronic memory record carriers, independent of its reading method, e.g. power transfer
• CPC Class Codes: G06K 7/10237 the reader and the record carrier being capable of selectively switching between reader and record carrier appearance, e.g. in near field communication [NFC] devices where the NFC device may function as an RFID reader or as an RFID tag
• CPC Class Codes: G06K 7/10297 arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00
• CPC Class Codes: G06Q 20/2295 Parent-child type, e.g. where parent has control on child rights
• 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 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 20/4093 Monitoring of device authentication
• 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 near field communication device included in a secure transaction card provides an addition and/or transitional communication link for communicating secure transaction information. The near field communication device may be selectively engaged or disengaged and, when engaged, either active or passive modes of operation of the near field communication device can be selected. In the active mode, secure transaction information is transmitted upon establishment of a communication link with a complementary near field communication device. In the passive mode, secure transaction information is transmitted upon interrogation from a complementary near field communication device. Secure transaction information is generated and stored for transmission in a memory and at least a portion of the memory is erased or nulled upon transmission or upon expiration of a selected period of time.

Claims

1. A payment system, comprising:

a near field communication (NFC) device;

a non-transitory memory; and

a processor that is coupled to the NFC device and the non-transitory memory, wherein the processor is configured to;

retrieve secure transaction information;

store the secure transaction information in the non-transitory memory, wherein the NFC device is configured to transmit the secure transaction information stored in the non-transitory memory; and

open a switch between the processor and the NFC device to erase the secure transaction information from the non-transitory memory in response to a transmission of the secure transaction information by the NFC device or in response to an expiration of a period of time subsequent to storing the secure transaction information in the non-transitory memory.

2. The payment system of claim 1, wherein the secure transaction information includes an account identification number and at least one random number.

3. The payment system of claim 1, wherein the processor is configured to:

receive an instruction to initiate the NFC device and, in response, activate the NFC device such that the NFC device is configured to transmit the secure transaction information stored in the non-transitory memory.

4. The payment system of claim 1, wherein the processor is configured to:

prompt for the period of time; and

receive the period of time through an input device and, in response, store the period of time in the non-transitory memory.

5. The payment system of claim 1, wherein the processor is configured to:

provide a notification to a user that is associated with the secure transaction information in response to transmission of the secure transaction information by the NFC device.

6. The payment system of claim 1, wherein the NFC device is configurable to operate in a passive mode in which the NFC device transmits the secure transaction information in response to being interrogated by a payment subsystem, and wherein the NFC device is configurable to operate an active mode in which the NFC device transmits the secure transaction information in response to being positioned proximate to a payment subsystem.

7. The payment system of claim 1, wherein the secure transaction information includes a plurality of synchronized sequences of pseudo-random numbers.

8. A method for transmitting secure information, comprising:

retrieving, by a processing system that is coupled to a near field communication (NFC) device, secure transaction information;

storing, by the processing system in a non-transitory memory, the secure transaction information; and

opening, by the processing system, a switch between the processing system and the NFC device to erase the secure transaction information from the non-transitory memory in response to a transmission of the secure transaction information by the NFC device or in response to an expiration of a period of time subsequent to storing the secure transaction information in the non-transitory memory.

9. The method of claim 8, further comprising:

generating, by a secure transaction information generation system, the secure transaction information, wherein the processing system retrieves the secure transaction information from the secure transaction information generation system.

10. The method of claim 8, further comprising:

receiving, by the processing system, user authentication information through an input device and, in response, activating the NFC device such that the NFC device is configured to transmit the secure transaction information stored in the non-transitory memory.

11. The method of claim 8, wherein the secure transaction information includes a plurality of synchronized sequences of pseudo-random numbers.

12. The method of claim 8, further comprising:

providing, by the processing system, a notification to a user in response to transmission of the secure transaction information by the NFC device.

13. The method of claim 8, further comprising:

configuring, by the processing system, the NFC device to operate in a passive mode in which the NFC device transmits the secure transaction information in response to interrogation by a payment subsystem.

14. The method of claim 8, further comprising:

configuring, by the processing system, the NFC device to operate in an active mode in which the NFC device transmits the secure transaction information in response to being positioned proximate to a payment subsystem.

15. A security data transmission system, comprising:

a non-transitory memory;

a processor that is coupled to the non-transitory memory, wherein the processor is configured to retrieve security data, store the security data in the non-transitory memory, and open a switch to erase the security data from the non-transitory memory in response to a transmission of the security data or in response to an expiration of a period of time subsequent to storing the security data in the non-transitory memory and prior to transmission of the security data; and

a near field communication (NFC) device that is coupled to the processor and that is configured to communicate with a security subsystem, access the security data stored in the non-transitory memory, and transmit the security data to the security subsystem.

16. The system of claim 15, wherein the secure transaction information includes a plurality of synchronized sequences of pseudo-random numbers.

17. The system of claim 15, wherein the processor is configured to:

receive an instruction to initiate the NFC device and, in response, activate the NFC device such that the NFC device is configured to transmit the security data stored in the non-transitory memory.

18. The system of claim 15, wherein the period of time is an extended period of time, and wherein the processor is configured to:

monitor a default period of time subsequent to retrieving and storing the security data;

prompt for the extended period of time; and

receive the extended period of time through an input device and, in response, monitor the extended period of time in the non-transitory memory.

19. The system of claim 15, wherein the processor is configured to:

provide a notification to a user that is associated with the security data in response to transmission of the security data by the NFC device.

20. The system of claim 15, wherein the processor is configured to:

receive an instruction to operate the NFC device in one of a passive mode in which the NFC device transmits the security data in response to interrogation by the security subsystem, and an active mode in which the NFC device transmits the security data in response to being positioned proximate to the security subsystem and, in response, operate the NFC device in one of the passive mode and the active mode according to the instruction.