System and method for authenticating a RF transaction using a transaction account routing number
DCFirst Claim
1. A method for facilitating securing a radio frequency identification (RFID) transaction, the method comprising the steps of:
- transmitting a random number from an RFID reader to an RFID transaction device;
creating, in the RFID transaction device, an RFID transaction device authentication tag using at least (a) the random number, (b) a routing number associated with a transaction account, and (c) a stored counter value;
transmitting the RFID transaction device authentication tag to the RFID reader;
incrementing the stored counter value in the RFID transaction device;
transmitting a transaction request for verification, the transaction request being formed from at least the RFID transaction device authentication tag and the stored counter value; and
processing the transaction request, wherein at least one of the RFID transaction device authentication tag and the stored counter value is verified.
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Accused Products
Abstract
A system and method for securing a Radio Frequency (RF) transaction using a Radio Frequency Identification (RFID) transaction device are provided. A random number is transmitted from an RFID reader to an RFID transaction device, an RFID transaction device authentication tag is created in the RFID transaction device, using at least the random number, a routing number associated with a transaction account, and a stored counter value. The RFID transaction device authentication tag is transmitted to the RFID reader, the stored counter value in the RFID transaction device is incremented, and a transaction request for verification, which comprises the RFID transaction device authentication tag and the stored counter value, is transmitted and processed. Either the RFID transaction device authentication tag or the stored counter value, or both, are verified.
528 Citations
24 Claims
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1. A method for facilitating securing a radio frequency identification (RFID) transaction, the method comprising the steps of:
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transmitting a random number from an RFID reader to an RFID transaction device; creating, in the RFID transaction device, an RFID transaction device authentication tag using at least (a) the random number, (b) a routing number associated with a transaction account, and (c) a stored counter value; transmitting the RFID transaction device authentication tag to the RFID reader; incrementing the stored counter value in the RFID transaction device; transmitting a transaction request for verification, the transaction request being formed from at least the RFID transaction device authentication tag and the stored counter value; and processing the transaction request, wherein at least one of the RFID transaction device authentication tag and the stored counter value is verified. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15)
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16. A system configured to facilitate securing a radio frequency identification (RFID) transaction, the system comprising:
an RFID transaction device, an RFID reader and an issuer system, the RFID transaction device comprising; an RFID transaction device database, the RFID transaction device database is configured to store transaction account payload data, a routing number associated with a transaction account; an RFID transaction device counter, the RFID transaction device counter having a stored counter value; and an RFID transaction device processor, the RFID transaction device processor being configured to; receive a random number; create an RFID transaction device authentication tag using at least (a) the random number, (b) the routing number, and (c) the stored counter value; transmit the RFID transaction device authentication tag; and increment the stored counter value; the RFID reader being configured to; transmit the random number to the RFID transaction device; receive the RFID transaction device authentication tag from the RFID transaction device; and transmit at least the RFID transaction device authentication tag and the stored counter value; the issuer system being configured to; receive a transaction request, the transaction request being formed from at least the RFID transaction device authentication tag and the stored counter value; and process the transaction request, wherein the issuer system verifies at least one of the RFID transaction device authentication tag and the stored counter value. - View Dependent Claims (17, 18, 19, 20, 21, 22, 23, 24)
Specification