WO2003007623B1 - System and method for payment using radio frequency identification in contact and contactless transactions - Google Patents

System and method for payment using radio frequency identification in contact and contactless transactions

Info

Publication number
WO2003007623B1
WO2003007623B1 PCT/US2002/021903 US0221903W WO03007623B1 WO 2003007623 B1 WO2003007623 B1 WO 2003007623B1 US 0221903 W US0221903 W US 0221903W WO 03007623 B1 WO03007623 B1 WO 03007623B1
Authority
WO
WIPO (PCT)
Prior art keywords
transponder
interrogation signal
rfid reader
rfid
transponder system
Prior art date
Application number
PCT/US2002/021903
Other languages
French (fr)
Other versions
WO2003007623A2 (en
WO2003007623A3 (en
Inventor
Michael J Berardi
Michal Bliman
David S Bonalle
Jennifer Anne Elwood
Matthew C Hood
Susan E Isenberg
Alexandra Mayers
Peter D Saunders
Kathryn D Scheding
Sejal Ajit Shah
John R Williamson
Original Assignee
American Express Travel Relate
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 American Express Travel Relate filed Critical American Express Travel Relate
Priority to BR0210962-0A priority Critical patent/BR0210962A/en
Priority to CA002452351A priority patent/CA2452351A1/en
Priority to MXPA04000253A priority patent/MXPA04000253A/en
Priority to KR1020047000411A priority patent/KR100699954B1/en
Priority to AU2002318293A priority patent/AU2002318293B2/en
Priority to JP2003513257A priority patent/JP2004535640A/en
Priority to NZ530497A priority patent/NZ530497A/en
Priority to EP02748120A priority patent/EP1413150A4/en
Publication of WO2003007623A2 publication Critical patent/WO2003007623A2/en
Publication of WO2003007623A3 publication Critical patent/WO2003007623A3/en
Publication of WO2003007623B1 publication Critical patent/WO2003007623B1/en

Links

Classifications

    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4012Verifying personal identification numbers [PIN]
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06KGRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K17/00Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/14Payment architectures specially adapted for billing systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226Use of secure elements separate from M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327Short range or proximity payments by means of M-devices
    • G06Q20/3278RFID or NFC payments by means of M-devices
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00Individual registration on entry or exit
    • G07C9/20Individual registration on entry or exit involving the use of a pass
    • G07C9/28Individual registration on entry or exit involving the use of a pass the pass enabling tracking or indicating presence
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07CTIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00Individual registration on entry or exit
    • G07C9/20Individual registration on entry or exit involving the use of a pass
    • G07C9/29Individual registration on entry or exit involving the use of a pass the pass containing active electronic elements, e.g. smartcards

Abstract

A transporter-reader payment system includes a fob (102) including a transponder (114), and a RFID reader (104) for interrogating the transponder (102). The system may further include a personalization system (134) for populating onto the fob (102) and RFID reader (104) identifying information and security and authentification keys which may be used during mutual authentication of the fob (102) and the reader (104) and for completing a transaction. In exemplary operation, the fob (102) and RFID reader (104) may be personalized, the fob (102) may be presented to the RFID reader (104) for interrogation, the fob (102) and reader (104) may engage in mutual authentication, and fob (102) identifying information may be provided to the reader (104) for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob (102) may be responsive to multiple interrogation signals.

Claims

[Received by the International Bureau on February 28, 2003 (28.02.03): original claims 1-62 replaced by amended claims 1-59 (pages 29-40)]
1. A transponder-reader payment system comprising: a. a Radio Frequency Identification (RFID) reader operable to provide a radio frequency (RF) interrogation signal for powering a transponder system, receiving a transponder system RF signal, arid communicating a transponder system account data related to said transponder system RF signal to a merchant system, said RFID reader including, i. a first interrogator for providing a first RF interrogation signal; ii. a RFID authentication circuit in communication with said interrogator; iii. a RFID database, in cornmunication with said RFID authentication circuit, said database operable to store at least one of a RFID reader identifying data, a transponder system decryption security key, a RFID reader and encryption security key and a transponder authentication key; iv. at least one of a serial interface and a universal serial bus (USB) interface; and v. a RFID protocol/sequence controller in communication with at least one of said first interrogator, said RFID authentication circuit, said RFID database, and said USB interface, said RFID protocol/sequence controller configured to facilitate control of the order of operation of said interrogator, said RFID authentication circuit, said RFID database, and said USB interface.
2. A system according to claim 1 further comprising: a. a transponder system operable to receive said first RF interrogation signal, authenticate said first RF interrogation signal, and transmit said transponder system account data, said transponder system comprising: i. a first transponder responsive to said RF interrogation signal;
40 ii. a first transponder system antenna configured to receive said first RF interrogation signal; iii. a second transponder responsive to a second RF interrogation signal, said first RF interrogation signal different from said second RF interrogation signal; iv. a second transponder system antenna configured to receive said second RF interrogation system; v. a transponder system authentication circuit in communication with at least one of said first transponder and said second transponder; and vi. a transponder system database in communication with said transponder system authentication circuit.
3. A system according to claim 2, wherein said transponder system further includes: a. a transponder system USB interface; and b. a transponder system protocol/sequence controller in communication with at least one of said first transponder, said second transponder, said transponder system USB interface, said transponder system authentication circuit, and said transponder system database, said transponder system protocol/sequence controller configured to control the order of operation of said first transponder, said second transponder, said transponder system authentication circuit, said transponder system database, and said transponder system USB interface.
4. A system according to claim 1 , wherein said RFID reader further includes: a. a second interrogator, said second interrogator operable to send a second RF interrogation signal; and b. a RFID communications interface configured to communicate with a merchant system, said communications interface operable to provide said transponder system account data.
41
5. A system according to claim 4, wherein said RFID reader further includes a first antenna in communication with said first interrogator and a second antenna in communication with said second interrogator, wherein said first antenna is operable to provide said first RF interrogation signal to said first transponder and said second interrogator is operable to provide said second RF interrogation signal to said second transponder.
6. A system according to claim 1 , wherein said RFID database is operable to store a transponder system personal identification number (PIN).
7. A system according to claim 5, wherein said RFID reader further comprises at least one of a RFID internal antenna, and a RFID external antenna, said RFID internal antenna and said RFID external antenna configured to provide at least one of said first RF interrogation signal and said second RF interrogation signal.
8. A system according to claim 3, wherein said transponder system protocol/sequence controller is responsive to at least one of said first RF interrogation signal and said second RF interrogation signal, said transponder protocol/sequence controller controlling the sequence of operation at least one of said transponder system authentication circuit, said transponder system database, and said transponder system USB interface in response to at least one of said first RF interrogation signal and said second RF interrogation signal.
9. A system according to claim 3, wherein said transponder system protocol/sequence controller is configured to activate said transponder system authentication circuit in response to said first RF interrogation signal, said transponder system authenticating circuit configured to provide an encrypted RF interrogation signal, said transponder system authentication circuit configured to provide said encrypted RF interrogation signal to said first transponder for providing to said RFID reader.
10. A system according to claim 9, wherein said RFID reader is configured to receive said encrypted RF interrogation signal, said transponder system protocol/sequence controller
42 activating said transponder system authentication circuit in response to said encrypted RF interrogation signal.
11. A system according to claim 10, wherein said RFID database is configured to provide a transponder system decryption key to said RFID authentication circuit in response to said encrypted RF interrogation signal, said transponder system decryption key for use in decrypting said encrypted RF interrogation signal, providing a decrypted RF interrogation signal, said transponder system decryption key provided to said RFID reader based on an unique transponder identification code.
12. A system according to claim 11 , wherein said RFID authentication circuit is configured to compare said decrypted RF interrogation signal and said RF interrogation signal to determine whether a match exists.
13. A system according to claim.12, wherein said RFID protocol/sequence controller is configured to activate at least one of said USB interface and said RFID communication interface where said RFID authentication circuit matches said decrypted RF interrogation signal and said RF interrogation signal.
14. A system according to claim 13, wherein said transponder system protocol/sequence controller activates said transponder system authentication circuit in response to at least one of said first RF interrogation signal and said second RF interrogation signal.
15. A claim according to claim 14, wherein said transponder system authentication circuit is configured to provide a transponder authentication code to at least one of said first transponder and said second transponder for providing to said RFID reader.
16. A system according to claim 15, wherein said RFID reader is configured to receive said transponder autiientication code, said RFID protocol/sequence controller activating said RFID authentication circuit in response to said transponder authentication code, said RFID authentication circuit configure to encrypt said transponder authentication code.
17. A system according to claim 16, wherein said RFID reader is configured to provide said encrypted authentication code to said transponder system.
18. A system according to claim 17, wherein said transponder system database is operable to store at least one of a transponder system identification data, a RFID reader decryption security key, and a transponder system account data
19. A system according to claim 18, wherein said transponder system database is configured to provide said RFID reader decryption security key to said transponder system authentication circuit in response to said encrypted authentication code, said RFID reader decryption key for use in decrypting said encrypted transponder authentication code and providing a decrypted transponder authentication code.
20. A system according to claim 19, wherein said transponder system authentication circuit is configured to compare said decrypted transponder authentication code and said transponder authentication code to determine if a match exists.
21. A system according to claim 20, wherein said account data is in magnetic stripe format.
22. A system according to claim 21 , wherein said transponder system transaction account data is pre-encrypted.
23. A system according to claim 22, wherein said transponder system database is configured to provide said pre-encrypted transponder system account data to said RFID reader where said transponder system authentication circuit matches said decrypted transponder authentication code and said transponder authentication code.
24. A system according to claim 23, wherein said RFID communications interface is configured to provide said transponder system PIN and said pre-encrypted transponder system account data where said transponder authentication code matches said decrypted
44 transponder authentication code, and said decrypted RF interrogation signal matches said RF interrogation signal.
25. A system according to claim 24, wherein said transponder system further comprises a switch, said switch operable to enable or disable operation of said transponder system.
26. A system according to claim 25, wherein said switch is configured to place the transponder system in at least one of a selectivity mode and an inclusivity mode.
27. A system according to claim 25, wherein said switch is mechanical.
28. A system according to claim 25, wherein said switch is configured to respond to a logic circuit.
29. A system according to claim 2, wherein said transponder system further includes an internal power source.
30. A system according to claim 29, wherein said switch is in communication with said internal power source, said switch responsive to said internal power source.
31. A system according to claim 29, wherein said transponder system further includes a biometric circuit, said biometric circuit in communication with said internal power source.
32. A system according to claim 25, wherein said switch is a biometric circuit, said biometric circuit operable to enable or disenable operation of said transponder system.
33. A system according to claim 32, wherein said biometric circuit is configured to place said transponder system in one of a selectivity mode and an inclusivity mode.
34. A system according to claim 7, wherein said RFID reader includes a RFID PIN keypad, said RFID PIN keypad configured to receive said transponder PIN, said RFID reader configured to compare said transponder PIN to said received transponder PIN, said RFID reader operable to provide at least one of said received transponder PIN, said transponder PIN, or a verification of said received transponder PIN, verification of received transponder
45 PIN provided where said RFID reader matches said transponder PIN to said received transponder PIN.
35. A system according to claim 7, wherein said RFID reader is configured to provide said transponder PIN to a payment authorization center for verification of said transponder PIN.
36. A system according to claim 34, wherein said merchant system includes a merchant system PIN keypad, said merchant system PIN keypad configured to receive said transponder PIN from said merchant system PIN keypad, said merchant system configured to provide said transponder PIN to said payment authorization center for verification.
37. A system according to claim 31 , wherein said biometric circuit is configured to provide a biometric data verification response, said biometric circuit configured to provide said biometric data verification response to at least one of said RFID reader and said merchant system, wherein said biometric data verification response is an identification verification data.
38. A system according to claim 3, further comprising a personalization system operable to initialize at least one of said transponder system and said RFID reader to transponder- reader p ayment system p arameters .
39. A system according to claim 38, wherein said personalization system is in communication with said transponder system using at least one of a USB connector and RF communications .
40. A system according to claim 39, wherein said personalization system is in electrical communications with said RFID reader.
41. A system according to claim 40, wherein said personalization system is operable to populate at least one of said RFID reader identifying data, transponder system decryption security key, RFID encryption security key, and transponder PIN on said RFID database.
46
42. A system according to claim 41 , wherein said personalization system is operable to populate at least one of said transponder system identification data, a RFID reader decryption security key, a transponder encryption authentication security key, a transponder system transactional account data, and a transponder system authentication security key onto said - transponder system database.
43. A system according to claim 2, wherein said RFID reader is operable to initialize said transponder.
44. A system according to claim 2, wherein said RFID reader is in RF communication with said transponder system, said RFID reader operable to populate at least one of said transponder system identification data, a RFID reader decryption security key, a transponder system transactional account data onto said transponder system database.
45. A transponder-reader payment system including a transponder system operable to receive a first RF interrogation signal, and authenticate said first RF interrogation signal, said transponder system comprising: a. a first transponder responsive to said first RF interrogation signal; b. a second transponder responsive to a second RF interrogation signal, said first RF interrogation signal different from said second RF interrogation signal; c. a first transponder system antenna configured to receive said first RF interrogation signal; and d. a second transponder system antenna configured to receive said second RF interrogation signal.
46. A system according to claim 45, wherein said transponder system further includes at least one of a transponder system USB interface, transponder system authentication circuit, and a transponder system serial interface.
47. A transponder-reader payment system comprising:
47 a. a RFID reader operable to provide a RF interrogation signal for powering a transponder system, receiving a transponder system RF signal, and communicating a transponder system account data related to said transponder system RF signal to a merchant system, said RFID reader including: i. a first RFID reader antenna in communication with a first interrogator for providing a first RF interrogation signal; and ii. a second RFID reader antenna in communication with a second interrogator, for providing a second RF interrogation signal; b. a transponder system operable to receive at least one of said first and second RF interrogation signal, authenticate said received interrogation signal, and transmit a transponder system account data, said transponder system comprising: i. a first transponder antenna in communication with a first transponder, said first tiansponder responsive to said first RF interrogation signal; and ii. a second transponder antenna in communication with a second transponder, said second transponder responsive to said second RF interrogation signal.
48. A system according to claim 47, wherein said RFID reader includes at least one of a a RFID reader authentication circuit, a RFID reader serial interface and a RFID reader USB interface, and said tiansponder system includes at least one of a transponder system USB interface, transponder system authentication circuit, and a transponder system serial interface.
49. A method of transponder-reader payment comprising the steps of: a providing a transponder system, the transponder system responsive to a plurality of interrogation signals, the transponder system storing at least one of an account data, an account name, and account expiration date, the tiansponder system including at least a first transponder responsive to a first interrogation signal and a second transponder responsive to a second interrogation signal; and
48 b. providing a RFID reader, said reader configured to provide at least one of the interrogation signals.
50. A method according to claim 49, further comprising the steps of: a encrypting the transponder system account data; b. initializing the transponder system; c. initializing the RFID reader; d. mutually authenticating the RFID reader and the transponder system; e. providing the encrypted account data from the transponder system to the RFID reader; f. decrypting the encrypted account data; and g. providing the decrypted account data to a merchant system.
51. A method according to claim 50, wherein mutual authenticating includes the RFID reader authenticating the transponder system, and the transponder system authenticating the RFID reader.
52. A method according to claim 51 , wherein mutual authentication includes : a providing an interrogation signal from the RFID reader to the transponder system; b. encrypting the interrogation signal at the transponder system to form an encrypted authentication interrogation signal; c. providing the encrypted authentication interrogation signal to the RFID reader; d. decrypting the encrypted authentication interrogation signal at the RFID reader, decrypting including using a transponder system decryption security key; e. matching the interrogation signal to the decrypted interrogation signal;
49 f. providing an authorization code from the tiansponder system to the RFID reader; g. encrypting the authorization code at the RFID reader to form an encrypted authorization code; h. providing the encrypted authorization code to the transponder system; i. decrypting the encrypted authorization code at the transponder system, decrypting including using a RFID reader decryption security key; and j. matching the authorization code to the decrypted authorization code.
53. A method according to 52, where initializing the transponder system includes populating at least one of a transponder system identification data, a RFID reader decryption security key, a transponder system transactional data, and an encrypted tiansponder PIN onto a transp onder system datab ase.
54. A method according to claim 53, wherein initializing the RFID reader includes populating at lease one of a transponder system identification data, a RFID reader decryption security key, a transponder system tiansactional data, and an encrypted tiansponder PIN onto a transponder system database.
55. A method according to claim 49, wherein initializing the RFID reader includes populating at least one of a RFID reader identifying data, a transponder system decryption security key, a RFID encryption security key, and a transponder PIN onto a RFID database using a USB interface.
56. A method according to claim 53, wherein initializing the tiansponder system includes populating at least one of a transponder system identifying data, a RFID reader decryption security key, and a transponder system transaction data using a USB interface.
57. A method according to claim 49, wherein initiating the transponder system, includes initializing said transponder system using a RFID reader.
50
58. A method according to claim 54, including using a switch to enable the transponder system, the switch consisting of at least one of a mechanical switch, a logic switch, and a biometric switch.
59. A method according to claim 58, including providing a secondary identification in response to a request from a merchant system.
51
PCT/US2002/021903 2001-07-10 2002-07-10 System and method for payment using radio frequency identification in contact and contactless transactions WO2003007623A2 (en)

Priority Applications (8)

Application Number Priority Date Filing Date Title
BR0210962-0A BR0210962A (en) 2001-07-10 2002-07-10 Transponder-reader payment system, and transponder-reader payment system method
CA002452351A CA2452351A1 (en) 2001-07-10 2002-07-10 System and method for payment using radio frequency identification in contact and contactless transactions
MXPA04000253A MXPA04000253A (en) 2001-07-10 2002-07-10 System and method for payment using radio frequency identification in contact and contactless transactions.
KR1020047000411A KR100699954B1 (en) 2001-07-10 2002-07-10 System and method for payment using radio frequency identification in contact and contactless transactions
AU2002318293A AU2002318293B2 (en) 2001-07-10 2002-07-10 System and method for payment using radio frequency identification in contact and contactless transactions
JP2003513257A JP2004535640A (en) 2001-07-10 2002-07-10 Payment system and method using radio frequency identification in contact and contactless transactions
NZ530497A NZ530497A (en) 2001-07-10 2002-07-10 System and method for payment using radio frequency identification in contact and contactless transactions
EP02748120A EP1413150A4 (en) 2001-07-10 2002-07-10 System and method for payment using radio frequency identification in contact and contactless transactions

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US30421601P 2001-07-10 2001-07-10
US60/304,216 2001-07-10

Publications (3)

Publication Number Publication Date
WO2003007623A2 WO2003007623A2 (en) 2003-01-23
WO2003007623A3 WO2003007623A3 (en) 2003-04-10
WO2003007623B1 true WO2003007623B1 (en) 2003-07-31

Family

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Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/021903 WO2003007623A2 (en) 2001-07-10 2002-07-10 System and method for payment using radio frequency identification in contact and contactless transactions

Country Status (11)

Country Link
US (4) US7239226B2 (en)
EP (1) EP1413150A4 (en)
JP (2) JP2004535640A (en)
KR (1) KR100699954B1 (en)
CN (2) CN101187989A (en)
AU (1) AU2002318293B2 (en)
BR (1) BR0210962A (en)
CA (1) CA2452351A1 (en)
MX (1) MXPA04000253A (en)
NZ (1) NZ530497A (en)
WO (1) WO2003007623A2 (en)

Cited By (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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US9886692B2 (en) 2018-02-06
BR0210962A (en) 2004-06-08
EP1413150A4 (en) 2004-12-29
US20070265964A1 (en) 2007-11-15
US20180144344A1 (en) 2018-05-24
CN101187989A (en) 2008-05-28
WO2003007623A2 (en) 2003-01-23
AU2002318293B2 (en) 2007-12-06
US20040049451A1 (en) 2004-03-11
US7239226B2 (en) 2007-07-03
JP2007066316A (en) 2007-03-15
CA2452351A1 (en) 2003-01-23
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JP2004535640A (en) 2004-11-25
NZ530497A (en) 2005-11-25
EP1413150A2 (en) 2004-04-28
CN100370838C (en) 2008-02-20
JP4934807B2 (en) 2012-05-23
MXPA04000253A (en) 2004-05-04
WO2003007623A3 (en) 2003-04-10
CN1539246A (en) 2004-10-20
US20150073997A1 (en) 2015-03-12
US8872619B2 (en) 2014-10-28

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