NFC transaction server

Patent metadata

Field	Value
Publication number	US-10185950-B2
Application number	US-201113297378-A
Country	US
Kind code	B2
Filing date	Nov 16, 2011
Priority date	Nov 17, 2010
Publication date	Jan 22, 2019
Grant date	Jan 22, 2019

Abstract

A near field transaction system includes a first transaction device having near field communication circuitry, and a portable device having near field communication circuitry. The system also includes at least one transaction server having a memory area with at least one application program, and a mechanism for establishing a data link between the server and the near field communication circuitry of the portable device. The application program is configured to perform a transaction with the first transaction device, using the near field communication circuitry of the portable device as a proximity relay to communicate with the first transaction terminal.

First claim

I claim:

1. A method for performing a transaction with a transaction device using a portable device and a transaction server located externally and remotely from the portable device and the transaction device, the method comprising:
installing, in a memory area of the transaction server, a processor emulation program, the processor emulation program being configured, when executed by the transaction server, to:
process transaction device Application Protocol Data Units (APDUs) sent by the transaction device; and
send transaction server APDUs to the transaction device;

establishing, via the Internet network using wireless communication circuitry of the portable device, a data link between the transaction server and near field communication circuitry of the portable device;
based on information provided by the portable device or information provided by the transaction device, activating, by the transaction server, the processor emulation program, and operatively coupling the processor emulation program to the near field communication circuitry of the portable device through the data link;
establishing a contactless near field communication channel between the portable device and the transaction device;
receiving, by the portable device via the contactless near field communication channel and the near field communication circuitry of the portable device, the transaction device APDUs;
transferring, by the portable device to the transaction server via the data link, the transaction device APDUs;
receiving, by the portable device via the data link, the transaction server APDUs;
transferring, by the portable device to the transaction device via the near field communication circuitry and the contactless near field communication channel, the transaction device APDUs; and
as a result of the transaction server executing the processor emulation program, the transaction server:
receiving, using the portable device acting as an intermediary, the transaction device APDUs;
processing the transaction device APDUs; and
sending, to the transaction device using the portable device as the intermediary, the transaction server APDUs; and

processing, by the transaction device, the transaction server APDUs,
the transaction device APDUs including responses to commands sent to the transaction device by the transaction server, or commands sent by the transaction device to the transaction server, and
the transaction server APDUs including commands sent by the transaction server to the transaction device, or responses to commands sent to the transaction server by the transaction device,
wherein the near field communication circuitry of the portable device, during performance of the transaction, acts as the intermediary between the transaction server and the transaction device.

2. The method according to claim 1 , comprising configuring the processor emulation program to emulate a chip card and perform a transaction with a payment point.

3. The method according to claim 1 , further comprising configuring the processor emulation program to emulate a payment point so as to perform a transaction with a chip card or with a second portable device emulating a chip card.

4. The method according to claim 1 , further comprising:
providing in the transaction server a memory area allocated to a user,
installing, in the memory area of the transaction server, a plurality of processor emulation programs, each processor emulation program of the plurality of processor emulation programs being configured to operate as a respective of the plurality of processor emulation programs being configured to operate as a respective functional equivalent of a secure processor located within the portable device, and
selecting, by a service management program, a processor emulation program from the plurality of processor emulation programs in the memory area of the transaction server and using the selected processor emulation program to perform the transaction with the transaction device.

5. The method according to claim 4 , further comprising configuring the service management program in the transaction server to automatically select the selected processor emulation program in the memory allocated to the user, as a function of the information provided by the transaction device.

6. The method according to claim 4 , wherein installing the processor emulation program in the memory area of the transaction server includes requesting an authorization from a certification server.

7. The method according to claim 4 , wherein installing the processor emulation program in the memory area allocated to the user includes receiving from a certification server an encryption key allocated to the processor emulation program, and installing the key.

8. The method according to claim 1 , wherein the transaction device is a second portable device linked to the transaction server, and wherein the transaction is performed between a first processor emulation program executed by the transaction server and a second processor emulation program executed by the transaction server.

9. A near field transaction system for performing a transaction, the system comprising:
a transaction device including near field communication circuitry;
a portable device including near field communication circuitry and wireless communication circuitry;
a transaction server located externally and remotely from the portable device and the transaction device, the transaction server including a memory area having a processor emulation program installed therein, the processor emulation program, when executed by the transaction server, being configured to:
process transaction device Application Protocol Data Units (APDUs) sent by the transaction device; and
send transaction server APDUs to the transaction device;

the portable device, the transaction device and the transaction server being collectively configured to:
establish, via the Internet network using the wireless communication circuitry of the portable device, a data link between the transaction server and the near field communication circuitry of the portable device;
based on information provided to the transaction server by the portable device or the transaction device, activate the processor emulation program of the transaction server and operatively couple the processor emulation program to the near field communication circuitry of the portable device through the data link;
establish a contactless near field communication channel between the portable device and the transaction device using the near field communication circuitry of the portable device and the near field communication circuitry of the transaction device;
receive, by the portable device via the contactless near field communication channel, the transaction device APDUs;
transfer, by the portable device to the transaction server via the data link, the transaction device APDUs;
receive, by the portable device via the data link, the transaction server APDUs;
transfer, by the portable device to the transaction device via the contactless near field communication channel, the transaction device APDUs;
as a result of the transaction server executing the processor emulation program:
receive, by the transaction server using the portable device acting as an intermediary, the transaction device APDUs;
process, by the transaction server, the transaction device APDUs; and
send, to the transaction device using the portable device as the intermediary, the transaction server APDUs; and

process, by the transaction device, the transaction server APDUs,
the transaction device APDUs including responses to commands sent to the transaction device by the transaction server, or commands sent by the

Assignees

• Charrat Bruno
• Inside Secure

Inventors

• Charrat Bruno

Classifications

• G06Q20/204 Primary

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

• H04L63/0272

  Virtual private networks · CPC title

• G07F7/1008

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

• G06Q20/3552

  Downloading or loading of personalisation data · CPC title