System and device for consolidating SIM, personal token, and associated applications for electronic wallet transactions

• US 9,516,017 B2
• Filed: 12/30/2010
• Issued: 12/06/2016
• Est. Priority Date: 10/23/2009
• Status: Active Grant

• Current Assignee: Apriva, LLC (APPSware Holdings, Inc.)
• Original Assignee: Apriva, LLC (APPSware Holdings, Inc.)
• Inventors: Coppinger, Paul D
• Primary Examiner(s): CASCA, FRED A
• Application Number:
  US12/982,271
• Publication Number:
  US 20110244920A1
• Time in Patent Office: 2,168 Days
• Field of Search: 455/410, 455/558, 455/418, 455/466, 455/411, 455/41.1, 455/41.2, 455/426.1, 455/556.1, 705/41, 705/34, 705/66, 705/18, 705/16, 235/380, 235/449, 235/492, 358/1.15
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• 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: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04L 67/306 User profiles

Abstract

The present invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. Specifically, the device is configured to meet the physical and electrical specification for commercially available mobile devices utilizing a standard Subscriber Identity Module (SIM) for network access. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier'"'"'s network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user'"'"'s mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction.

Claims

1. A smart card device for facilitating transactions based on a plurality of transaction instruments, said smart card device comprising:

a memory element for storing a transaction instrument profile and at least one of;

a network profile or an identity profile;

an interface element for receiving a selection of a transaction account identifier, wherein said transaction account identifier is retrieved from said transaction instrument profile;

a processor element in communication with said memory element and said interface element, wherein said processor element is configured to receive a selection of said transaction instrument profile and at least one of;

said network profile or said identity profile;

establish a connection between a communication device and a computing system by way of a wireless network; and

facilitate a transaction using parameters stored with said transaction instrument profile and at least one of;

said network profile or said identity profile;

a validation element for validating a user credential, wherein said user credential is provided to an interface of said communication device in response to a credential prompt, and wherein said validation is based on said user credential and said identity credential;

wherein the interface element is further configured for presenting a transaction instrument prompt at said communication device, wherein said transaction instrument prompt is in response to said validating;

a sending element for sending an authorization response to said communication device processor, wherein said authorization response is constructed based on a prompt response and said transaction account credential, wherein said communication device processor sends said authorization response to said network;

wherein the smart card device includes a Network Access and Credential Verification (NACV) module for facilitating electronic transactions between the smart card device and a NACV server in the wireless network;

wherein the NACV module uses a short-message peer-to-peer (SMPP) browser to present details of the transactions.

2. The smart card device of claim 1, wherein said network profile includes at least one of:

a network identifier or a subscriber identifier.

3. The smart card device of claim 1, wherein said identity profile includes at least one of:

a user identifier or a verification credential.

4. The smart card device of claim 1, wherein said transaction instrument includes at least one of:

a user identifier, a verification identifier, or an account identifier.

5. The smart card device of claim 1, further comprising:

a receiving element for receiving an authorization request from a communication device processor, wherein said communication device processor receives said authorization request by way of a said wireless network; and

wherein the interface element is further configured for presenting a credential prompt at said communication device, wherein said credential prompt is in response to said receiving said authorization request.