Processing an RF transaction using a routing number
First Claim
1. A method, comprising:
- creating an encrypted authentication tag using a random number and at least one of a transaction account code, a routing number, or a counter value; and
transmitting the encrypted authentication tag and the routing number to a radio frequency identification (RFID) reader using a data transmission format comprising an account code field and an unallocated field,wherein the encrypted authentication tag is transmitted in the unallocated field of the data transmission format.
4 Assignments
0 Petitions
Accused Products
Abstract
A system and method for securing a Radio Frequency (RF) transaction using a RF identification device transaction device is provided. The invention uses the routing number and customer identifying information associated with a transaction account to secure a RF transaction. Specifically, the customer identifying information is included in an encrypted payload that is provided to a merchant point-of-sale device in a unused field of the RF data transmission. The routing number is provided in the ordinary field location of the data transmission typically reserved for the transaction account number. Additionally, the encrypted payload is provided in the unused field of the data transmission. The routing number is used to locate the corresponding encryption key for validating the RF transaction device, the transaction account and/or customer identifying information without the need for the reader to encrypt the customer identifying information before providing a transaction request to an account issuer.
-
Citations
45 Claims
-
1. A method, comprising:
-
creating an encrypted authentication tag using a random number and at least one of a transaction account code, a routing number, or a counter value; and transmitting the encrypted authentication tag and the routing number to a radio frequency identification (RFID) reader using a data transmission format comprising an account code field and an unallocated field, wherein the encrypted authentication tag is transmitted in the unallocated field of the data transmission format. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
-
-
12. A radio frequency transaction device, comprising:
-
a processor configured to create an encrypted authentication tag and a routing number, wherein the processor is configured to create the encrypted authentication tag using at least one of a counter value, the routing number, or a transaction account code; and a communication device configured to transmit the encrypted authentication tag using a data transmission format comprising an account code field and an unallocated field, wherein the encrypted authentication tag is configured to be transmitted in the unallocated field of the data transmission format. - View Dependent Claims (13, 14, 15, 16)
-
-
17. A method, comprising:
-
receiving an encrypted account payload data file from a radio frequency (RF) transaction device using a data transmission format comprising an account code field and an unallocated field, wherein the encrypted account payload data file is transmitted in the unallocated field of the data transmission format; receiving a routing number from the RF transaction device in a transaction account field, wherein the transaction account field does not contain a transaction account code; and using the routing number to transmit the encrypted account payload data file to an account provider. - View Dependent Claims (18, 19, 20, 21, 22, 23, 24)
-
-
25. A method, comprising:
-
associating radio frequency (RF) transaction device data with a routing number; receiving an encrypted authentication tag from a merchant in accordance with the routing number using a data transmission format comprising an account code field and an unallocated field, wherein the encrypted authentication tag is transmitted in the unallocated field of the data transmission format; verifying the encrypted authentication tag using an authentication tag decryption key corresponding to the RF transaction device data; and decrypting the encrypted authentication tag to process a transaction request. - View Dependent Claims (26, 27, 28)
-
-
29. A method, comprising:
-
associating radio frequency (RF) transaction device data with a routing number; receiving an encrypted authentication tag and a payload data file from a merchant in accordance with the routing number; verifying the encrypted authentication tag using an authentication tag decryption key corresponding to the RF transaction device data; and decrypting the encrypted authentication tag to process a transaction request and to read a counter value; and verifying the counter value to facilitate processing the transaction request, wherein processing the transaction request comprises at least one of; locating a payload decryption key using the routing number; decrypting customer identifying information from the payload data file using the payload decryption key to create decrypted customer identifying information;
orproviding the decrypted customer identifying information to a merchant point of sale (POS) device for processing.
-
-
30. A method, comprising:
-
creating an encrypted authentication tag using a random number; creating a payload data file by encrypting a transaction account code; and transmitting the encrypted authentication tag and the payload data file to a radio frequency identification (RFID) reader using a data transmission format comprising an account code field and an unallocated field, wherein the encrypted authentication tag and the payload data file is transmitted in the unallocated field of the data transmission format. - View Dependent Claims (31, 32, 33, 34, 35, 36, 37, 38, 39, 40)
-
-
41. A radio frequency transaction device, comprising:
-
a processor configured to; create an encrypted authentication tag using a routing number, and create a payload data file by encrypting a transaction account code; and a communication device configured to transmit the encrypted authentication tag and payload data file using a data transmission format comprising an account code field and an unallocated field, wherein the encrypted authentication tag and the payload data file are configured to be transmitted in the unallocated field of the data transmission format. - View Dependent Claims (42, 43, 44, 45)
-
Specification