All-in-one proximity payment device with local authentication

Patent metadata

Field	Value
Publication number	US-9401063-B2
Application number	US-30377307-A
Country	US
Kind code	B2
Filing date	Jun 8, 2007
Priority date	Jun 8, 2006
Publication date	Jul 26, 2016
Grant date	Jul 26, 2016

Abstract

A personal powered proximity payment device that can be owned by or issued to an individual user is provided. The device is a non-ISO card device that includes an internal dual-mode (contact and contactless) chip card coupled to a display and a robust PIN entry or biometric reading means. The device provides proximity payment functions, and optional proximity payment on/off and local pre-purchase account holder verification functions to the individual user.

First claim

We claim:

1. A method for conducting a proximity payment transaction between a cardholder and a merchant, the method comprising:
before interacting with a merchant Point of Sale (POS) device, pre-signing the proximity payment transaction using a proximity payment device based on input from the cardholder, wherein the pre-signing comprises:
receiving cardholder identification information from the cardholder;
verifying the cardholder identification information by the proximity payment device; and
in response to said verifying, generating a digitally signed verification status indicator by the proximity payment device;

sending, by the proximity payment device, the digitally signed verification status indicator to the Merchant POS device, wherein the digitally signed verification status indicator indicates to the Merchant POS device that the cardholder information has been verified by the proximity payment device,
wherein the digitally signed verification status indicator permits local verification for an offline signed transaction;
verifying locally, by the merchant POS device, the digitally signed verification status indicator before the offline signed transaction occurs;
completing the offline signed transaction utilizing the digitally signed verification status indicator.

2. The method of claim 1 , wherein sending, by the proximity payment device, the digitally signed verification status indicator to the Merchant POS device comprises sending the digitally signed verification status indicator value in a standard proximity payment message protocol field.

3. The method of claim 1 , further comprising displaying the verification status indicator on a display of the proximity payment device.

4. The method of claim 1 , wherein the verification status indicator has a tag, length, and value format.

5. The method of claim 1 , wherein the digitally signed verification status indicator comprises ‘9F35’.

6. The method of claim 1 , wherein sending the digitally signed verification status indicator to the merchant POS comprises placing the digitally signed verification status indicator in a cryptogram, and sending the cryptogram to the merchant POS.

7. The method of claim 1 , wherein the digitally signed verification status indicator value comprises a Public Key Infrastructure (PKI) based digitally signed flag value.

Assignees

• Foran-Owens Elizabeth M
• Wankmueller John
• Radu Cristian
• Mastercard International Inc

Inventors

• Foran-Owens Elizabeth M
• Wankmueller John
• Radu Cristian

Classifications

• G06Q20/204 Primary

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

• G06Q20/06

  Private payment circuits, e.g. involving electronic currency used among participants of a common payment scheme · CPC title

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06Q20/356

  Aspects of software for card payments · CPC title

• G06Q20/38215

  Use of certificates or encrypted proofs of transaction rights · CPC title