System and device for consolidating SIM, personal token, and associated applications for selecting a transaction settlement entity

• US 9,544,303 B2
• Filed: 12/30/2010
• Issued: 01/10/2017
• 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:
  US12/982,300
• Publication Number:
  US 20110237296A1
• Time in Patent Office: 2,203 Days
• Field of Search: 705/41, 705/44, 705/67, 705/17, 705/35, 705/39, 705/65, 705/66, 705/26.1, 705/14.15, 235/449, 455/41.1, 455/411, 455/414.1, 455/41.2, 455/466, 455/418, 713/172, 713/184
• 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 providing wireless network and secure personal token features to a communication device, said smart card device comprising:

a Network Access and Credential Verification (NACV) module for storing a plurality of transaction instrument profiles;

an interface element for receiving a selection of a first transaction instrument profile from said plurality of transaction instrument profiles;

a processor element in communication with said NACV module and said interface element,

wherein said processor element is configured to transmit a first payment entity parameter stored within said first transaction instrument profile to a gateway server to facilitate a transaction;

receive a first confirmation from said gateway server based on said transaction;

and transmit a second payment entity parameter stored in a second transaction instrument profile to said gateway server;

wherein at least one of said first confirmation or a second confirmation includes a payment entity identifier;

wherein said payment entity identifier corresponds to an entity responsible for transferring a monetary sum to a recipient of said transaction;

wherein the Network Access and Credential Verification (NACV) module facilitates electronic transactions between the smart card device and a NACV server in the wireless network, the NACV module a uses a short-message peer-to-peer (SMPP) browser to present details of the transactions;

wherein a Single-Wire Protocol (SWP) provides a direct interface between the NACV module and a short-range radio in the communication device, wherein the short-range radio is one of a Near Field Communication (NFC) or Bluetooth.

2. The smart card device of claim 1, wherein each of said plurality of transaction instrument profiles includes at least one of:

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

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

a network profile or an identity profile.

4. The smart card device of claim 3, wherein said a network profile includes at least one of:

a network identifier or a subscriber identifier.

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

a user identifier or a verification credential.

6. The smart card device of claim 1, wherein said gateway server facilitates a transaction authorization based on receiving at least one of:

a first parameter or a second parameter.