Method and device for making a payment transaction

Patent metadata

Field	Value
Publication number	US-2018121925-A1
Application number	US-201715798837-A
Country	US
Kind code	A1
Filing date	Oct 31, 2017
Priority date	Nov 2, 2016
Publication date	May 3, 2018
Grant date	—

Abstract

A method and device for making a payment transaction over a payment network are provided. The method employs a communication device associated with a consumer, and has a radio frequency (RF) communication module. The method includes receiving, by the communication device, a request for an input of payment account data in respect of the payment transaction, reading, by the communication device in response to the request, the payment account data from a payment card using the RF communication module, and transmitting the payment account data to the payment network for processing the payment transaction. Devices and non-transitory computer-readable medium storing computer-readable instructions that, when executed, cause a processor to carry out the method are also provided.

First claim

1 . A method performed by a communication device of a cardholder of a payment card for making a payment transaction over a payment network, wherein the communication device has a radio frequency (RF) communication module, the method comprising:
receiving, by the communication device, a request for an input of payment account data in respect of the payment transaction; reading, by the communication device in response to the request, the payment account data from the payment card using the RF communication module; and transmitting the payment account data from the communication device to the payment network for processing the payment transaction.

2 . The method according to claim 1 further comprising receiving a one-time-password (OTP) from a server associated with an issuer of the payment card, and in response transmitting a corresponding OTP to the server for authorizing the payment transaction.

3 . The method according to claim 1 , wherein the RF communication module is a near-field communication (NFC) module.

4 . The method according to claim 3 , wherein the NFC module is configured to fetch the payment account data from the payment card via a NFC protocol.

5 . The method according to claim 1 , further comprising receiving an input of biometric data from the cardholder on the communication device for verification against reference biometric data associated with the cardholder stored by the payment card, and obtaining the payment account data in response to a positive verification.

6 . The method according claim 1 , wherein obtaining the payment account data comprises storing the payment account data in a secure memory, and wherein the method further comprises allowing retrieval of the payment account data from the secure memory in response to an authentication message, and denying retrieval thereof otherwise.

7 . The method according to claim 6 , wherein the communication device has a first application installed via which the payment transaction is to be carried out, the method further comprising receiving the request for the input of payment account data via the first application, generating the authentication message based on the payment transaction, and allowing retrieval of the payment account data by the first application using the authentication message.

8 . The method according to claim 7 , wherein the payment transaction is for a purchase of products made by the cardholder via the first application.

9 . The method according to claim 7 , further comprising automatically populating the payment account data in the first application for display to the cardholder on the communication device.

10 . The method according to claim 1 , further comprising removing the payment account data from the communication device after the operation of transmitting the payment account data.

11 . The method according to claim 10 , further comprising removing the payment account data from the communication device in response to a notification of the payment transaction being successful.

12 . A communication device for use by a cardholder of a payment card for making a payment transaction over a payment network, the communication device comprising a radio frequency (RF) communication module, a processor, and a data storage device storing program instructions, the program instructions being operative to cause the processor to:
receive, by the communication device, a request for an input of payment account data in respect of the payment transaction; obtain, by the communication device in response to the request, the payment account data of the payment card using the RF communication module; and transmit the payment account data from the communication device to the payment network for processing the payment transaction.

13 . The communication device according to claim 12 , the program instructions being operative to cause the processor to receive a one-time-password (OTP) from a server associated with an issuer of the payment card, and in response, to transmit a corresponding OTP to the server for authorizing the payment transaction.

14 . The communication device according to claim 12 , wherein the RF communication module is a near-field communication (NFC) module.

15 . The communication device according to claim 14 , wherein the NFC module is configured to fetch the payment account data from the payment card via a NFC protocol.

16 . The communication device according to claim 12 , wherein the program instructions are operative to cause the processor to receive an input of biometric data from the cardholder on the communication device for verification against reference biometric data associated with the cardholder stored by the payment card, and to obtain the payment account data in response to a positive verification.

17 . The communication device according to claim 12 , wherein obtaining the payment account data comprises storing the payment account data in a secure memory, and wherein the program instructions are operative to cause the processor to allow retrieval of the payment account data from the secure memory in response to an authentication message, and deny retrieval thereof otherwise.

18 . The communication device according to claim 17 , wherein the program instructions are operative to cause the processor to receive the request for the input of payment account data via a first application, via which a payment transaction is to be carried out, to generate the authentication message based on the payment transaction, and to allow retrieval of the payment account data by the first application using the authentication message.

19 . The communication device according to claim 18 , wherein the payment transaction is for a purchase of products made by the cardholder via the first application.

20 . The communication device according to claim 18 , wherein the program instructions are operative to cause the processor to automatically populate the payment account data in the first application for display to the cardholder on the communication device.

21 . The communication device according to claim 12 , wherein the program instructions are operative to cause the processor to remove the payment account data from the communication device after the operation of transmitting the payment account data.

22 . The communication device according to claim 21 , wherein the program instructions are operative to cause the processor to remove the payment account data from the communication device in response to a notification of the payment transaction being successful.

23 . A non-transitory computer-readable medium storing computer-readable instructions that, when executed, cause a processor of a communication device of a cardholder of a payment card to perform steps of a method for making a payment transaction over a payment network, the method comprising:
receiving, by the communication device, a request for an input of payment account data in respect of the payment transaction; obtaining by the communication device in response to the request, the payment account data of the payment card using the RF communication module; and transmitting the payment account data from the communication device to the payment network for processing the payment transaction.

24 . (canceled)

Assignees

• Mastercard International Inc

Inventors

• Gaikar Tushar Uddhav
• Pangam Siddhesh
• Ghanta Karabi

Classifications

• H04L63/0838

  using one-time-passwords · CPC title

• G06Q20/3278

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

• H04L63/0492

  by using a location-limited connection, e.g. near-field communication or limited proximity of entities · CPC title

• G06Q20/322

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