Method and system for NFC transaction

Patent metadata

Field	Value
Publication number	US-10169754-B2
Application number	US-201113977107-A
Country	US
Kind code	B2
Filing date	Nov 17, 2011
Priority date	Nov 17, 2010
Publication date	Jan 1, 2019
Grant date	Jan 1, 2019

Abstract

A method for performing a transaction between a portable device and a transaction terminal includes establishing a communication channel between the portable device and the transaction terminal; establishing a first data link between the transaction terminal and the transaction server; and using an application program in the transaction server to perform the transaction with the transaction terminal through the data link, on behalf of the portable device.

First claim

We claim:

1. A method for performing a transaction with a mobile device and a transaction terminal, the method comprising:
providing a transaction server operatively linked with the transaction terminal via a data network, the transaction server including a virtual card corresponding with the mobile device, the virtual card including a program that may be executed to perform a transaction with the transaction terminal on behalf of the mobile device, the virtual card being configured to emulate a secure processor of the mobile device,
establishing a communication channel between the mobile device and the transaction terminal,
providing, by the mobile device, the transaction terminal with application and transaction information, the application and transaction information including credentials of the mobile device,
establishing, based on the application and transaction information, a data link between the transaction terminal and the transaction server, the data link bypassing the mobile device,
activating, based on the application and transaction information, the virtual card in the transaction server and linking it to the transaction terminal through the data link, and
executing the program of the virtual card in the transaction server to perform the transaction with the transaction terminal through the data link, the executing the program of the virtual card to perform the transaction including:
the virtual card of the transaction server receiving at least one application protocol data unit command from the transaction terminal, and
the virtual card of the transaction server sending the transaction terminal, on behalf of the mobile device, at least one application protocol data unit response.

2. The method according to claim 1 , wherein information related to the virtual card in the transaction server is included in the application and transaction information provided by the mobile device, the transaction terminal providing the information related to the virtual card to the transaction server through the data link.

3. The method according to claim 1 , wherein the data link is a first data link, the method further comprising:
establishing a second data link between the mobile device and the transaction server, the second data link bypassing the transaction terminal, and
providing the transaction server, through the second data link, with information related to the virtual card in the transaction server.

4. The method according to claim 3 , further comprising providing the transaction server with information related to a time during which the virtual card in the transaction server can be activated.

5. The method according to claim 1 , further comprising:
providing the transaction server with identification data of a user, and
configuring the transaction server so that it refuses to execute the transaction on behalf of the mobile device if the transaction server determines that the identification data is incorrect.

6. A transaction system comprising:
a mobile device,
a transaction terminal, and
a transaction server operatively linked with the transaction terminal via a data network,
the transaction server having a virtual card included therein, the virtual card including a program that may be executed to perform a transaction with the transaction terminal on behalf of the mobile device, the virtual card being configured to emulate a secure processor of the mobile device,
the mobile device being configured to establish a communication channel with the transaction terminal, and to provide the transaction terminal with application and transaction information, the application and transaction information including credentials of the mobile device,
the transaction terminal being configured to establish, based on the application and transaction information, a data link between the transaction terminal and the transaction server, the data link bypassing the mobile device,
the transaction server being configured to:
activate, based on the application and transaction information, the virtual card in the transaction server and link it to the transaction terminal through the data link, and
execute the program of the virtual card to perform the transaction with the transaction terminal through the data link,

the executing the program of the virtual card to perform the transaction including:
the virtual card of the transaction server receiving at least one application protocol data unit command from the transaction terminal, and
the virtual card of the transaction server sending the transaction terminal, on behalf of the mobile device, at least one application protocol data unit response.

7. The transaction system according to claim 6 , wherein the mobile device is further configured to include, in the application and transaction information, information related to the virtual card in the transaction server.

8. The transaction system according to claim 6 , wherein the data link is a first data link, the mobile device being further configured to:
establish a second data link with the transaction server, the second data link bypassing the transaction terminal, and
provide the transaction server, through the second data link, with information related to the virtual card in the transaction server.

9. The transaction system according to claim 7 , wherein the mobile device is configured to provide the transaction server with information related to a time during which the virtual card in the transaction server can be activated.

10. The transaction system according to claim 6 , wherein the mobile device is further configured to:
provide the transaction server with identification data of a user, and
the transaction server is further configured to refuse to execute the transaction on behalf of the mobile device if the transaction server determines that the identification data is incorrect.

11. The transaction system according to claim 6 , wherein the transaction terminal receives the application and transaction information by reading it from a register or a memory of the mobile device.

12. The method according to claim 1 , wherein the virtual card of the transaction server includes a virtual operating system and at least one card application.

13. The method according to claim 12 , wherein the virtual operating system emulates an operating system of a secure processor of the mobile device.

14. The transaction system according to claim 6 , wherein the virtual card of the transaction server includes a virtual operating system and at least one card application.

15. The transaction system according to claim 14 , wherein the virtual operating system is configured to execute the at least one card application.

16. The transaction system according to claim 6 , wherein the virtual card is a first virtual card, the transaction server including an emulator configured to emulate the first virtual card and to emulate at least a second virtual card.

Assignees

• Charrat Bruno
• Chew Gary
• Inside Secure

Inventors

• Charrat Bruno
• Chew Gary

Classifications

• G06Q20/204 Primary

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title

• H04W4/80

  Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication · CPC title

• G07F7/1008

  Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• G06Q30/0601

  Electronic shopping [e-shopping] · CPC title