Method and apparatus for use in personalizing identification token

• US 10,783,514 B2
• Filed: 10/10/2007
• Issued: 09/22/2020
• Est. Priority Date: 10/10/2007
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Phillips, Simon, Horsma, Bengt, Garrett, Duncan, Roberts, David A.
• Primary Examiner(s): Choi, Peter H
• Assistant Examiner(s): Mandel, Monica A
• Application Number:
  US11/870,144
• Publication Number:
  US 20090100511A1
• Time in Patent Office: 4,731 Days
• Field of Search: 705 65, 726 9
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/3234 involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token network architectures or network communication protocols for supporting authentication of entities using an additional device in a packet data network H04L63/0853

Abstract

According to some embodiments, a method comprises: storing, in a personalization token, information to personalize an identification token; issuing the personalization token to an account holder; and transmitting the information from the personalization token to the identification token using a wireless interface. According to some embodiments, apparatus comprises: a personalization token issued to an account holder, the personalization token comprising: information to personalize an identification token; and a wireless communication interface to transmit the information to the identification token.

Claims

1. A method for personalizing an identification token device for use as a proximity payment device for by a user, the method comprising:

providing the identification token device to an account holder, the identification device being embodied in a device having a cellular telephone functionality;

providing, separately from the identification token device, a personalization token device to the account holder, the personalization token device storing personalization information including at least a payment account number for an account associated with the account holder to use to personalize the identification token device with the payment account number associated with the account holder to enable the identification token device to operate as a proximity payment device using at least the payment account number for the account associated with the account holder;

establishing a wireless communication session between the identification token device and the personalization token device;

determining, by the identification token device, that the personalization token device is authentic based on authentication data received from the personalization token device via the wireless communication session;

transmitting, wirelessly via the wireless communication session, the personalization information including at least the payment account number from the authenticated personalization token device to the identification token device to personalize the identification token device with at least the payment account number associated with the account holder, wherein the identification token device is subsequently operable as a proximity payment device to conduct a purchase transaction using the payment account number associated with the account holder based on the identification token device receiving the payment account number wirelessly transmitted from the authenticated personalization token device; and

terminating the communication session between the identification token device and the authenticated personalization token device.

2. The method of claim 1 wherein the personalization information further comprises at least one of:

name of a person associated with the account number, a program to be executed by the identification token device, and authentication data.

3. The method of claim 1 wherein the personalization information to personalize the identification token device comprises information to personalize a proximity payment device.

4. The method of claim 1 wherein the communication session is a wireless communication session between an RF antenna of the identification token device and an RF antenna of the authenticated personalization token device.

5. The method of claim 1 wherein the personalization token device comprises an identification token device.

6. The method of claim 1 wherein the personalization token device comprises a proximity payment device.

7. The method of claim 1 wherein the identification token device comprises an identification token device supported by a housing of a cell phone.

8. The method of claim 1 wherein the identification token device comprises an identification token device supported by a housing of a wristwatch.

9. The method of claim 1 wherein storing in the personalization token device comprises storing in a personalization token device located at a first location and wherein transmitting the personalization information from the personalization token device comprises transmitting the personalization information from the personalization token device, with the personalization token device located at a second location that is different than the first location.

10. The method of claim 1, further comprising:

transmitting, from the identification token device to a remote issuer of the identification token device, at least a portion of the personalization information to confirm the personalization.

11. The method of claim 10, wherein the transmitting is performed at least in part over a wireless network.

12. A personalization token device issued to an account holder, the personalization token device comprising:

a wireless communication interface;

a processor; and

a storage area storing computer program code for execution by the processor and further storing personalization information including at least a payment account number for an account holder to use to personalize an identification token device with the payment account number associated with the account holder to enable the identification token to operate as a proximity payment device using at least the payment account number for the account associated with the account holder;

wherein the processor is operable to;

establish, using the wireless communication interface, a wireless communication session between the personalization token device and the identification token device, the identification token device being embodied in a device having a cellular telephone functionality;

authenticate the personalization token device to the identification token device by providing authentication data from the personalization token device to the identification token device via the wireless communication session, and

transmit, wirelessly via the wireless communication session, the personalization information including at least the payment account number from the authenticated personalization token device to the identification token device to personalize the identification token device with at least the payment account number associated with the account holder, wherein the identification token device is subsequently operable as a proximity payment device to conduct a purchase transaction using the payment account number associated with the account holder based on the identification token device receiving the payment account number wirelessly transmitted from the authenticated personalization token device.

13. The personalization token device of claim 12 wherein the personalization information further comprises at least one of:

a name of a person associated with an account number, a program to be executed by the identification token, and authentication data.

14. The personalization token device of claim 12 wherein the personalization information comprises information to personalize a proximity payment device.

15. The personalization token device of claim 12 wherein the wireless communication interface comprises an RF antenna.

16. The personalization token of claim 12 wherein the personalization token device comprises an identification token device.

17. The personalization token device of claim 12 wherein the personalization token device comprises a proximity payment device.