RF payment via a mobile device

• US 9,881,294 B2
• Filed: 01/07/2009
• Issued: 01/30/2018
• Est. Priority Date: 07/10/2001
• Status: Expired due to Fees

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: Chartoleaux KG LLC (Intellectual Ventures LLC)
• Inventors: Bishop, Fred, Saunders, Peter D.
• Primary Examiner(s): CASEY, ALEXIS M
• Application Number:
  US12/349,825
• Publication Number:
  US 20090115571A1
• Time in Patent Office: 3,310 Days
• Field of Search: 705 64
• CPC Class Codes: G06K 19/07749 the record carrier being capable of non-contact communication, e.g. constructional details of the antenna of a non-contact smart card
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• 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 20/347 Passive cards
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0833 Card having specific functional components
• 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 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• 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: G07F 7/1075 PIN is checked remotely

Abstract

A nontraditional transaction device, for example a mobile device, may be employed to complete a transaction. The mobile device may utilize radio frequency (RF) communication and/or authentication to facilitate completion of a transaction. Secondary identification information, for example voice recognition data, biometric recognition data, or alphanumeric data, may be utilized for secondary end user authentication. For security reasons, the mobile device account data may transmitted after the secondary identification information is verified.

Claims

1. A method performed at a radio frequency (RF) module linked to a mobile device, the method comprising:

receiving, by the RF module, from an RF reader, an activation signal comprising an authentication code;

encrypting, by the RF module, the authentication code;

providing, by the RF module, at least the encrypted authentication code and an RF identification (ID) code to facilitate at least a mutual authentication with the RF reader and a verification process authenticating the mobile device to complete a mobile device transaction, wherein the encrypted authentication code is configured for decryption at the RF reader via a decryption key associated with the RF ID code, and wherein the verification process further comprises;

providing, by the RF module, a verification key,

obtaining, by the RF module, from an input on the mobile device, at least one of biometric recognition data or alphanumeric data associated with a user of the mobile device, and

authenticating, by the RF module, the mobile device by comparing the obtained at least one of biometric recognition data or alphanumeric data to the verification key; and

providing, by the RF module, account data of the mobile device to the RF reader, wherein the providing is based, at least in part, on the authenticating being successful.

2. The method of claim 1, wherein the account data of the mobile device is provided via a mobile device universal serial bus (USB).

3. The method of claim 1, wherein the RF ID code comprises a RF unique ID code, and wherein the decryption key comprises a unique decryption key.

4. The method of claim 1, wherein the at least one of biometric recognition data or alphanumeric data is obtained, by the RF module, from the input on a user interface of the mobile device.

5. The method of claim 4, wherein the user interface comprises a biometric authentication user interface.

6. A non-transitory computer-readable storage medium having stored thereon computer-executable instructions that, in response to execution, cause a radio frequency (RF) module linked to a mobile device to perform operations comprising:

receiving, by the RF module, from an RF reader, an activation signal comprising an authentication code;

encrypting, by the RF module, the authentication code;

providing, by the RF module, at least the encrypted authentication code and a RF identification (ID) code to facilitate at least a mutual authentication with the RF reader and a verification process authenticating the mobile device to complete a mobile device transaction, wherein the encrypted authentication code is configured for decryption at the RF reader via a decryption key associated with the RF ID code, and wherein the verification process further comprises;

providing, by the RF module, a verification key,

obtaining, by the RF module, from an input on the mobile device, at least one of biometric recognition data or alphanumeric data associated with a user of the mobile device, and

authenticating, by the RF module, the mobile device by comparing the obtained at least one of biometric recognition data or alphanumeric data to the verification key; and

providing, by the RF module, account data of the mobile device to the RF reader, wherein the providing is based, at least in part, on the authenticating being successful.

7. The computer-readable storage medium of claim 6, wherein the at least one of biometric recognition data or alphanumeric data is obtained, by the RF module, from the input on a secondary authentication user interface of the mobile device.

8. A radio frequency (RF) module linked to a mobile device, comprising:

means for receiving, by the RF module, from an RF reader, an activation signal comprising an authentication code;

means for encrypting, by the RF module, the authentication code;

means for providing, by the RF module, at least the encrypted authentication code and an RF identification (ID) code to facilitate at least a mutual authentication with the RF reader and a verification process authenticating the mobile device to complete a mobile device transaction, wherein the encrypted authentication code is configured for decryption at the RF reader via a decryption key associated with the RF ID code, and wherein the verification process further comprises;

providing, by the RF module, a verification key,

obtaining, by the RF module, from an input on the mobile device, at least one of biometric recognition data or alphanumeric data associated with a user of the mobile device, and

authenticating the mobile device by comparing the obtained at least one of biometric recognition data or alphanumeric data to the verification key; and

means for providing, by the RF module, account data of the mobile device to the RF reader, wherein the providing is based, at least in part, on the authenticating being successful.

9. A mobile device, comprising:

a radio frequency (RF) module configured to communicate with a microprocessor of the mobile device, the RF module further configured to;

receive an activation signal comprising an authentication code;

encrypt the authentication code; and

provide at least the encrypted authentication code and a RF identification (ID) code to facilitate at least a mutual authentication with the RF reader and a verification process authenticating the mobile device to complete a mobile device transaction,

wherein the encrypted authentication code is configured for decryption at the RF reader via a decryption key associated with the RF ID code, and wherein the verification process further comprises;

providing, by the RF module, a verification key,

obtaining, by the RF module, from an input on the mobile device, at least one of biometric recognition data or alphanumeric data associated with a user of the mobile device, and

authenticating, by the RF module, the mobile device by comparing the obtained at least one of biometric recognition data or alphanumeric data to a verification key stored on the RF module; and

wherein the RF module is further configured to provide account data of the mobile device to the RF reader, and wherein the providing is based, at least in part, on the authenticating being successful.

10. The mobile device of claim 9, wherein the mobile device is a wireless phone.

11. The mobile device of claim 9, wherein the RF module further comprises an electrical connector configured to facilitate communication between the RF module and the microprocessor.

12. The mobile device of claim 11, wherein the electrical connector is configured to accept a subscriber identity module (SIM).