All-in-one proximity payment device with local authentication

• US 9,401,063 B2
• Filed: 06/08/2007
• Issued: 07/26/2016
• Est. Priority Date: 06/08/2006
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Foran-Owens, Elizabeth M., Wankmueller, John, Radu, Cristian
• Primary Examiner(s): Ludwig, Peter L.
• Application Number:
  US12/303,773
• Publication Number:
  US 20110047036A1
• Time in Patent Office: 3,336 Days
• Field of Search: None
• US Class Current: 1/1
• CPC Class Codes: G06K 5/00 Methods or arrangements for verifying the correctness of markings on a record carrier; Column detection devices
• CPC Class Codes: G06Q 20/06 Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme
• CPC Class Codes: G06Q 20/0658 e-cash managed locally
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through 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 20/356 Aspects of software for card payments
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/38215 Use of certificates or encrypted proofs of transaction rights
• CPC Class Codes: G06Q 20/3823 combining multiple encryption tools for a transaction
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• 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: H04L 9/50 using hash chains, e.g. blockchains or hash trees

Abstract

A personal powered proximity payment device that can be owned by or issued to an individual user is provided. The device is a non-ISO card device that includes an internal dual-mode (contact and contactless) chip card coupled to a display and a robust PIN entry or biometric reading means. The device provides proximity payment functions, and optional proximity payment on/off and local pre-purchase account holder verification functions to the individual user.

Claims

1. A method for conducting a proximity payment transaction between a cardholder and a merchant, the method comprising:

before interacting with a merchant Point of Sale (POS) device, pre-signing the proximity payment transaction using a proximity payment device based on input from the cardholder, wherein the pre-signing comprises;

receiving cardholder identification information from the cardholder;

verifying the cardholder identification information by the proximity payment device; and

in response to said verifying, generating a digitally signed verification status indicator by the proximity payment device;

sending, by the proximity payment device, the digitally signed verification status indicator to the Merchant POS device, wherein the digitally signed verification status indicator indicates to the Merchant POS device that the cardholder information has been verified by the proximity payment device,

wherein the digitally signed verification status indicator permits local verification for an offline signed transaction;

verifying locally, by the merchant POS device, the digitally signed verification status indicator before the offline signed transaction occurs;

completing the offline signed transaction utilizing the digitally signed verification status indicator.

2. The method of claim 1, wherein sending, by the proximity payment device, the digitally signed verification status indicator to the Merchant POS device comprises sending the digitally signed verification status indicator value in a standard proximity payment message protocol field.

3. The method of claim 1, further comprising displaying the verification status indicator on a display of the proximity payment device.

4. The method of claim 1, wherein the verification status indicator has a tag, length, and value format.

5. The method of claim 1, wherein the digitally signed verification status indicator comprises ‘

9F35’

.

6. The method of claim 1, wherein sending the digitally signed verification status indicator to the merchant POS comprises placing the digitally signed verification status indicator in a cryptogram, and sending the cryptogram to the merchant POS.

7. The method of claim 1, wherein the digitally signed verification status indicator value comprises a Public Key Infrastructure (PKI) based digitally signed flag value.