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WO2009148980A3 - Portable consumer transaction device with on-board powered access control - Google Patents

Portable consumer transaction device with on-board powered access control Download PDF

Info

Publication number
WO2009148980A3
WO2009148980A3 PCT/US2009/045761 US2009045761W WO2009148980A3 WO 2009148980 A3 WO2009148980 A3 WO 2009148980A3 US 2009045761 W US2009045761 W US 2009045761W WO 2009148980 A3 WO2009148980 A3 WO 2009148980A3
Authority
WO
WIPO (PCT)
Prior art keywords
portable consumer
consumer transaction
account
transaction
card
Prior art date
Application number
PCT/US2009/045761
Other languages
French (fr)
Other versions
WO2009148980A2 (en
Inventor
James Douglas Evans
Nicole Janine Granucci
Carrie Elaine Vriheas
Ayman A. Hammad
James Y.C. Sze
Original Assignee
Visa U.S.A. Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Visa U.S.A. Inc. filed Critical Visa U.S.A. Inc.
Priority to CA2726787A priority Critical patent/CA2726787A1/en
Priority to BRPI0913101A priority patent/BRPI0913101A2/en
Priority to AU2009256413A priority patent/AU2009256413A1/en
Priority to EP09759141A priority patent/EP2304677A4/en
Publication of WO2009148980A2 publication Critical patent/WO2009148980A2/en
Publication of WO2009148980A3 publication Critical patent/WO2009148980A3/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification
    • G07F7/122—Online card verification
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/352—Contactless payments by cards
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/354—Card activation or deactivation
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0806—Details of the card
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0806—Details of the card
    • G07F7/0813—Specific details related to card security
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1083—Counting of PIN attempts

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Credit Cards Or The Like (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

Implementations of a portable consumer transaction device include a portable consumer transaction payment card having a power supply, memory to store information and instructions, where the information includes an identifier for an account issued to a card holder for the use of the portable consumer transaction payment card to conduct a transaction on the account with a merchant, an active magnetic strip encoding the account, an input device to put the information in the memory, and a computing device to execute instructions to control access by the card holder to use the portable consumer transaction payment card to conduct the transaction on the account at a Point of Service terminal with the merchant. The card can display an associated current account balance which can be written to the memory after a transaction has occurred.
PCT/US2009/045761 2008-06-04 2009-05-30 Portable consumer transaction device with on-board powered access control WO2009148980A2 (en)

Priority Applications (4)

Application Number Priority Date Filing Date Title
CA2726787A CA2726787A1 (en) 2008-06-04 2009-05-30 Portable consumer transaction device with on-board powered access control
BRPI0913101A BRPI0913101A2 (en) 2008-06-04 2009-05-30 portable consumer transaction payment card and portable consumer payment device
AU2009256413A AU2009256413A1 (en) 2008-06-04 2009-05-30 Portable consumer transaction device with on-board powered access control
EP09759141A EP2304677A4 (en) 2008-06-04 2009-05-30 Portable consumer transaction device with on-board powered access control

Applications Claiming Priority (10)

Application Number Priority Date Filing Date Title
US5884108P 2008-06-04 2008-06-04
US5883608P 2008-06-04 2008-06-04
US5884008P 2008-06-04 2008-06-04
US5882908P 2008-06-04 2008-06-04
US61/058,836 2008-06-04
US61/058,840 2008-06-04
US61/058,829 2008-06-04
US61/058,841 2008-06-04
US13252808P 2008-06-19 2008-06-19
US61/132,528 2008-06-19

Publications (2)

Publication Number Publication Date
WO2009148980A2 WO2009148980A2 (en) 2009-12-10
WO2009148980A3 true WO2009148980A3 (en) 2010-04-29

Family

ID=41398799

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2009/045761 WO2009148980A2 (en) 2008-06-04 2009-05-30 Portable consumer transaction device with on-board powered access control

Country Status (5)

Country Link
EP (1) EP2304677A4 (en)
AU (1) AU2009256413A1 (en)
BR (1) BRPI0913101A2 (en)
CA (1) CA2726787A1 (en)
WO (1) WO2009148980A2 (en)

Families Citing this family (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2476987B (en) 2010-01-19 2013-11-27 Haim Cohen Transaction card with improved security features
DE102010040923A1 (en) 2010-09-16 2012-03-22 Basf Se Process for the preparation of acrylic acid from ethanol and formaldehyde
US9489669B2 (en) 2010-12-27 2016-11-08 The Western Union Company Secure contactless payment systems and methods
WO2012143039A1 (en) * 2011-04-18 2012-10-26 C-Sigma S.R.L. Authentication device with photosensitive input keys
US10020847B2 (en) 2011-11-15 2018-07-10 Famoco NFC device and connection system of NFC devices
WO2013072435A1 (en) * 2011-11-15 2013-05-23 Famoco Nfc device and connection system of nfc devices
US20140121403A1 (en) 2012-10-31 2014-05-01 Celanese International Corporation Integrated Process for the Production of Acrylic Acids and Acrylates
US9120743B2 (en) 2013-06-27 2015-09-01 Celanese International Corporation Integrated process for the production of acrylic acids and acrylates
US10185949B2 (en) * 2015-03-05 2019-01-22 American Express Travel Related Services Company, Inc. System and method for authentication of a mobile device configured with payment capabilities
US11429971B1 (en) * 2016-06-03 2022-08-30 Jpmorgan Chase Bank, N.A. Systems, methods, and devices for integrating a first party service into a second party computer application
US11132682B1 (en) 2016-07-22 2021-09-28 Wells Fargo Bank, N.A. Piezoelectric biometric card security

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2000123144A (en) * 1998-10-13 2000-04-28 Sony Corp Contactless ic card
KR100478963B1 (en) * 2002-08-10 2005-03-24 케이비 테크놀러지 (주) Display smartcard and display control apparatus
KR100783655B1 (en) * 2000-02-16 2007-12-07 융킨 옹 (마이클) Electronic Credit Cards
US20080110977A1 (en) * 2006-10-27 2008-05-15 American Express Travel Related Services Company Wireless Transaction Instrument Having Display And On-Board Power Supply And Method Of Using Same

Family Cites Families (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5955961A (en) * 1991-12-09 1999-09-21 Wallerstein; Robert S. Programmable transaction card
US6607127B2 (en) * 2001-09-18 2003-08-19 Jacob Y. Wong Magnetic stripe bridge
US7690580B2 (en) * 2006-11-17 2010-04-06 Austin William Shoemaker Transaction cards having dynamically reconfigurable data interface and methods for using same

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2000123144A (en) * 1998-10-13 2000-04-28 Sony Corp Contactless ic card
KR100783655B1 (en) * 2000-02-16 2007-12-07 융킨 옹 (마이클) Electronic Credit Cards
KR100478963B1 (en) * 2002-08-10 2005-03-24 케이비 테크놀러지 (주) Display smartcard and display control apparatus
US20080110977A1 (en) * 2006-10-27 2008-05-15 American Express Travel Related Services Company Wireless Transaction Instrument Having Display And On-Board Power Supply And Method Of Using Same

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
See also references of EP2304677A4 *

Also Published As

Publication number Publication date
BRPI0913101A2 (en) 2019-09-24
AU2009256413A1 (en) 2009-12-10
WO2009148980A2 (en) 2009-12-10
EP2304677A2 (en) 2011-04-06
CA2726787A1 (en) 2009-12-10
EP2304677A4 (en) 2012-02-08

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