Mobile device containing contactless payment device

• US 10,692,071 B2
• Filed: 01/02/2019
• Issued: 06/23/2020
• Est. Priority Date: 09/28/2006
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Hammad, Ayman, Triplett, Brian, Dixon, Philip
• Primary Examiner(s): Hess, Daniel A
• Application Number:
  US16/238,427
• Publication Number:
  US 20190139028A1
• Time in Patent Office: 538 Days
• Field of Search: 235492
• CPC Class Codes: G06Q 20/12 specially adapted for electronic shopping systems
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/325 using wireless networks
• 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 20/3576 Multiple memory zones on card
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.

Claims

1. A method comprising:

receiving, by a device, first data for a first transaction at a contactless element interface of the device;

processing, by the device, the first data for the first transaction in a first data storage region of a data storage element of the device using a payment application stored in the first data storage region;

receiving, by the device, second data for a second transaction at the contactless element interface; and

processing, by the device, the second data for the second transaction in a second data storage region of the data storage element, wherein processing the second data for the second transaction includes;

accessing, by the device, an index file in the second data storage region, wherein the index file is specific to an agency associated with the second transaction, and wherein the index file identifies a plurality of data files organized within the index file,

identifying, by the device, a data file of the plurality of data files that includes processing instructions associated with the agency,

executing, by the device, the processing instructions identified by the data file, and

updating, by the device, the data file of the plurality of data files according to the second data for the second transaction.

2. The method of claim 1, wherein the first transaction is a payment transaction.

3. The method of claim 1, wherein the second transaction is an access transaction.

4. The method of claim 1, wherein the device is a payment device.

5. The method of claim 1, wherein the device is a portable device.

6. The method of claim 1, wherein the first data for the first transaction is stored in the first data storage region in a first file structure, wherein the second data for the second transaction is stored in the second data storage region in a second file structure, and wherein the first file structure is different than the second file structure.

7. The method of claim 1, wherein the index file is included in a plurality of index files, and wherein each index file of the plurality of index files is associated with a different agency.

8. The method of claim 1, further comprising:

locking, by the device, the plurality of data files using a key associated with the agency.

9. The method of claim 1, wherein the first data storage region includes payment account data.

10. The method of claim 9, further comprising:

allowing, by the device, access to the payment account data by the second data storage region.

11. The method of claim 10, further comprising:

before receiving the second data at the contactless element interface, transferring, by the device, the payment account data to an access device associated with the agency.

12. The method of claim 11, wherein the access device includes a gate.

13. The method of claim 9, wherein the second data storage region includes a proxy to the payment account data.

14. The method of claim 13, further comprising:

before receiving the second data at the contactless element interface, transferring, by the device, the proxy to an access device associated with the agency.

15. The method of claim 14, wherein the access device thereafter retrieves the payment account data using the proxy.

16. The method of claim 1, wherein the contactless element interface uses short range communications technology.

17. The method of claim 1, further comprising:

dynamically configuring the second data storage region.

18. The method of claim 1, further comprising:

creating a bit-map file in the second data storage region identifying unused memory space in the data storage element available for storage of a plurality of additional data files for an additional agency.

19. A device comprising:

a processor; and

a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor for implementing a method comprising;

receiving, by the device, first data for a first transaction at a contactless element interface of the device;

processing, by the device, the first data for the first transaction in a first data storage region of a data storage element of the device using a payment application stored in the first data storage region;

receiving, by the device, second data for a second transaction at the contactless element interface; and

processing, by the device, the second data for the second transaction in a second data storage region of the data storage element, wherein processing the second data for the second transaction includes;

accessing, by the device, an index file in the second data storage region, wherein the index file is specific to an agency associated with the second transaction, and wherein the index file identifies a plurality of data files organized within the index file,

identifying, by the device, a data file of the plurality of data files that includes processing instructions associated with the agency,

executing, by the device, the processing instructions identified by the data file, and

updating, by the device, the data file of the plurality of data files according to the second data for the second transaction.

20. The device of claim 19, wherein the first transaction is a payment transaction.