Method for the activation of a payment card, corresponding system and computer program

Patent metadata

Field	Value
Publication number	US-10074231-B2
Application number	US-201514971232-A
Country	US
Kind code	B2
Filing date	Dec 16, 2015
Priority date	Jun 9, 2015
Publication date	Sep 11, 2018
Grant date	Sep 11, 2018

Abstract

A method for activation of a payment card includes accessing a remote computer server of a card issuer to input card activation information, storing a unique code in the payment card having a contactless readable interface and in the remote computer server, the unique code corresponding to the payment card, and reading the unique code by a user terminal having a corresponding contactless interface, the user interface configured to connect over a communication network to access messages directed to the cardholder. The method also includes sending the unique code from the user terminal to the remote computer server, and upon verification of the unique code at the remote computer server, generating and sending an activation code to the user terminal and supplying access to an activation code input mask corresponding to the payment card. In addition, the method includes that upon submission of the activation code through the activation code input mask, comparing the submitted activation code with the generated activation code and, when matching, activating the payment card.

First claim

The invention claimed is:

1. A method for activation of a payment card comprising:
using a user terminal to access a remote computer server associated with a card issuer to input card activation information, wherein a unique code and a remote computer server Universal Resource Locator (URL) are stored in the remote computer server and in the payment card, wherein the payment card comprises a contactless readable interface, wherein the user terminal is configured to read the unique code of the payment card and the remote computer server URL, and wherein the user terminal comprises a corresponding contactless interface;
launching a navigation application on the user terminal to access an URL comprising the unique code on the remote computer server over a communications network after the user terminal reads the unique code and the remote computer server URL stored in the payment card via the contactless readable interface of the payment card;
in real-time after the launching, after the unique code received from the user terminal is found to exist in a database at the remote computer server and after the unique code is found to be associated to the payment card that has not been activated, receiving a message with an activation code having an expiration time of the activation code at the user terminal from the remote computer server;
receiving an access to an activation code input mask to input the activation code from the remote computer server; and
submitting the activation code through the activation code input mask using the user terminal, the payment card configured to be activated when a comparison of the submitted activation code with a generated activation code is a match, the activation code being received at the remote computer server within the expiration time of the activation code.

2. The method according to claim 1 , wherein the remote computer server being associated with one or more databases having tables associating the unique code to the payment card.

3. The method according to claim 1 , wherein the URL, of the remote computer server comprises a unique address on the remote computer server specific to the payment card.

4. The method according to claim 1 , wherein the payment card being a dual interface card and the contactless interfaces of the payment card and of the user terminal being NFC (Near Field Communication) interfaces.

5. The method according to claim 3 , wherein the activation code input mask comprises making the activation code input mask accessible at a Web page at the unique address.

6. The method according to claim 3 , wherein the payment card comprises payment applications and an application which e dates an NFC Tag, the unique address being stored in the application which emulates an NFC Tag.

7. The method according to claim 1 , wherein the activating of the payment card comprises setting an activation status into a payment card database.

8. The method according to claim 1 , wherein the activation code is a random number associated to the expiration time.

9. The method according to claim 1 , wherein the message is accessible to the user terminal as an SMS (Short Message System) or an electronic mail message.

10. The method according to claim 1 , wherein the user terminal reads the unique code and the remote computer server URL from the payment card through the corresponding contactless interface of the user terminal.

11. The method according to claim 1 , wherein the URL comprises the unique code and the remote computer server URL stored in the payment card and read by the user terminal.

12. The method according to claim 1 , wherein the receiving the message with the activation code comprises receiving the message after the user terminal reads the unique code of the payment card and the remote computer server URL from the payment card.

13. A user terminal for activation of a payment card comprising:
a contactless interface;
a memory; and
at least one processor coupled to the memory and configured to:
access a remote computer server associated with a card issuer to input card activation information, wherein a unique code and a remote computer server Universal Resource Locator (URL) are stored in the remote computer server and in the payment card, wherein the payment card comprises a contactless readable interface corresponding to the contactless interface of the user terminal, wherein the user terminal is configured to read the unique code of the payment card and the remote computer server URL;
launch a navigation application on the user terminal to access an URL comprising the unique code on the remote computer server over a communications network after the user terminal reads the unique code and the remote computer server URL stored in the payment card via the contactless readable interface of the payment card;
in real-time after launching the navigation application, after the unique code received from the user terminal is found to exist in a database at the remote computer server and after the unique code is found to be associated to the payment card that has not been activated, receive a message with an activation code having an expiration time of the activation code at the user terminal from the remote computer server;
receive an access to an activation code input mask to input the activation code from the remote computer server; and
submit the activation code through the activation code input mask using the user terminal, the payment card configured to be activated when a comparison of the submitted activation code with a generated activation code is a match, the activation code being received at the remote computer server within the expiration time of the activation code.

14. The user terminal according to claim 13 , wherein the remote computer server being associated with one or more databases having tables associating the unique code to the payment card.

15. The user terminal according to claim 13 , wherein the URL of the remote computer server comprises a unique address on the remote computer server specific to the payment card.

16. The user terminal according to claim 13 , wherein the payment card being a dual interface card and the con tactless interfaces of the payment card and of the user terminal being NFC (Near Field Communication) interfaces.

17. The user terminal according to claim 15 , wherein the activation code input mask comprises making the activation code input mask accessible at a Web page at the unique address.

18. The user terminal according to claim 15 , wherein the payment card comprises payment applications and an application which emulates an NFC Tag, the unique address being stored in the application which emulates an NFC Tag.

19. The user terminal according to claim 13 , wherein the activating of the payment card comprises setting an activation status into a payment card database.

20. The user terminal according to claim 13 , wherein the activation code is a random number associated to the expiration time.

21. The user terminal according to claim 13 , wherein the message is accessible to the user terminal as an SMS (Short Message System) or an electronic mail message.

22. The user terminal according to claim 13 , wherein the user terminal reads the unique code and the remote computer server URL from the payment card through the corresponding contactless interface of the user terminal.

23. The user terminal according to claim 13 , wherein the URL comprises the unique code and the remote comput

Assignees

• St Microelectronics Srl

Inventors

• Miranda Rita
• Cimino Carlo
• Alfarano Marco

Classifications

• G06Q20/425

  using two different networks, one for transaction and one for security confirmation · CPC title

• G06Q20/354

  Card activation or deactivation · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06F16/955

  using information identifiers, e.g. uniform resource locators [URL] · CPC title