Over the air update of payment transaction data stored in secure memory

Patent metadata

Field	Value
Publication number	US-10037523-B2
Application number	US-201213662371-A
Country	US
Kind code	B2
Filing date	Oct 26, 2012
Priority date	Sep 22, 2008
Publication date	Jul 31, 2018
Grant date	Jul 31, 2018

Abstract

A system, apparatus, and method for processing payment transactions that are conducted using a mobile device that includes a contactless element, such as an integrated circuit chip. The invention enables the updating, correction or synchronization of transaction data maintained by an Issuer with that stored on the device. This is accomplished by using a wireless (cellular) network as a data communication channel for data provided by an Issuer to the mobile device, and is particularly advantageous in circumstances in which the contactless element is not presently capable of communication with a device reader or point of sale terminal that uses a near field communications mechanism. Data transferred between the mobile device and Issuer may be encrypted and decrypted to provide additional security and protect the data from being accessed by other users or applications. If encryption keys are used for the encryption and decryption processes, they may be distributed by a key distribution server or other suitable entity to a mobile gateway which participates in the data encryption and decryption operations.

First claim

What is claimed is:

1. A data processing device, comprising:
a processor;
a memory; and
a set of instructions stored in the memory, which when executed by the processor implement a method to:
receive first data for a first payment transaction on a prepaid account associated with a mobile device from a first point of sale terminal, wherein at least some of the first data is provided to the first point of sale terminal by the mobile device which communicates with the first point of sale terminal using a contactless device, wherein the mobile device stores transaction data in a memory of the mobile device, wherein the mobile device further stores an accumulator in the memory, wherein the stored transaction data includes first information received from the first point of sale terminal using the contactless device, wherein the first information includes a first initial transaction amount of the first payment transaction, and wherein the mobile device adjusts the accumulator from an original accumulator value to a first accumulator value based on the first initial transaction amount;
receive second data for a second payment transaction on the prepaid account from a second point of sale terminal, wherein at least some of the second data is provided to the second point of sale terminal by the mobile device which communicates with the second point of sale terminal using the contactless device, wherein the second data includes an actual transaction amount for the second payment transaction, wherein the mobile device stores second information received from the second point of sale terminal using the contactless device, wherein the second information received by the mobile device from the second point of sale terminal includes a second initial transaction amount of the second payment transaction, wherein the second initial transaction amount received by the mobile device from the second point of sale terminal is different from the actual transaction amount received from the second point of sale terminal, wherein the mobile device adjusts the accumulator from the first accumulator value to a second accumulator value based on the second initial transaction amount;
process the second received data to generate a record of the second payment transaction, wherein the record of the second payment transaction includes the actual transaction amount for the second payment transaction;
determine a valid mobile gateway for communicating with the mobile device based on transaction information associated with the second payment transaction, wherein the valid mobile gateway is one of a plurality of mobile gateways configured to interface with a wireless communication system; and
synchronize the accumulator stored in the mobile device by providing the record of the second payment transaction including the actual transaction amount to the valid mobile gateway, thereby causing the record of the second payment transaction to be provided to the mobile device over the wireless communication system, wherein the mobile device adjusts the accumulator from the second accumulator value to a third accumulator value based on the difference between the actual transaction amount of the second payment transaction and the second initial transaction amount of the second payment transaction.

2. The data processing device of claim 1 , wherein the mobile device is a mobile phone.

3. The data processing device of claim 1 , wherein the accumulator stored in the mobile device indicates funds of the prepaid account associated with the mobile device.

4. The data processing device of claim 3 , wherein the data processing device is a computer.

5. The data processing device of claim 1 , wherein the providing of the record of the second payment transaction occurs after the second payment transaction is complete.

6. The data processing device of claim 5 , wherein the synchronizing of the accumulator corrects a discrepancy in the second payment transaction.

7. The data processing device of claim 1 , wherein the method implemented by the processor further comprises providing warranty information to the mobile device.

8. The data processing device of claim 1 , wherein the method implemented by the processor further comprises providing additional transaction records to the mobile device.

9. The data processing device of claim 1 , wherein the record of the second payment transaction is stored in a secure memory storage region at the mobile device.

10. The data processing device of claim 9 , wherein the secure memory storage region is within the near field communications mechanism.

11. The data processing device of claim 1 , wherein the record of the second payment transaction is provided to the mobile device as encrypted data, wherein the encrypted data is decrypted by the mobile device.

12. The data processing device of claim 1 , wherein each mobile gateway in the plurality of mobile gateways is associated with a particular geographical area.

13. The data processing device of claim 1 , wherein each mobile gateway in the plurality of mobile gateways is associated with a particular type of mobile device.

14. The data processing device of claim 1 , wherein each mobile gateway in the plurality of mobile gateways is associated with one or more characteristics of the transaction.

15. The data processing device of claim 14 , wherein the characteristics of the transaction include a type of account used in the transaction and a range of transaction amounts for the transaction.

16. The data processing device of claim 1 , wherein the valid mobile gateway is determined based on one or more characteristics of a data processing system associated with the data processing device, wherein the characteristics of the data processing system include a processing load for one or more of the plurality of mobile gateways and security capabilities for one or more of the plurality of mobile gateways.

17. The data processing device of claim 1 , wherein the plurality of mobile gateways are configured to perform data formatting between two different networks.

18. The data processing device of claim 1 , wherein the instructions, when executed by the processor, cause the processor to determine that the second initial transaction amount received by the mobile device from the second point of sale terminal is different from the actual transaction amount received from the second point of sale terminal, wherein the synchronizing of the accumulator stored in the mobile device is performed in response to the determining that the second initial transaction amount is different from the actual transaction amount.

19. A method for processing data, comprising:
receiving, at a data processing device, first data for a first payment transaction on a prepaid account associated with a mobile device from a first point of sale terminal, wherein at least some of the first data is provided to the first point of sale terminal by the mobile device which communicates with the first point of sale terminal using a contactless device, wherein the mobile device stores transaction data in a memory of the mobile device, wherein the mobile device further stores an accumulator in the memory, wherein the stored transaction data includes first information received from the first point of sale terminal using the contactless device wherein the first information includes a first initial transaction amount of the first payment transaction, and wherein the mobile device adjusts the accumulator from an original accumulator value to a first accumulator value based on the first i

Assignees

• Visa Int Service Ass

Inventors

• Aabye Christian
• Ngo Hao
• Wilson David William
• Zeiden Gustavo Mariath
• Pitchford Chris
• Pirzadeh Kiushan

Classifications

• G06Q20/32 Primary

  using wireless devices · CPC title

• G06Q20/3829

  involving key management · CPC title

• G06Q20/382

  insuring higher security of transaction · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• G06Q20/20

  Point-of-sale [POS] network systems · CPC title