WO2004095355A1 - Plug in credit card reader module for wireless cellular phone verifications - Google Patents

Plug in credit card reader module for wireless cellular phone verifications Download PDF

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Publication number
WO2004095355A1
WO2004095355A1 PCT/US2003/023196 US0323196W WO2004095355A1 WO 2004095355 A1 WO2004095355 A1 WO 2004095355A1 US 0323196 W US0323196 W US 0323196W WO 2004095355 A1 WO2004095355 A1 WO 2004095355A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
module
cellular phone
reader
plug
Prior art date
Application number
PCT/US2003/023196
Other languages
French (fr)
Inventor
Kenneth Stephen Bailey
Original Assignee
Kenneth Stephen Bailey
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 Kenneth Stephen Bailey filed Critical Kenneth Stephen Bailey
Priority to MXPA05002195A priority Critical patent/MXPA05002195A/en
Priority to EP03816704A priority patent/EP1546990A4/en
Priority to AU2003263807A priority patent/AU2003263807A1/en
Priority to JP2004571155A priority patent/JP2006514767A/en
Priority to CA002495947A priority patent/CA2495947A1/en
Publication of WO2004095355A1 publication Critical patent/WO2004095355A1/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
    • G07F7/10—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
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K7/00—Methods or arrangements for sensing record carriers, e.g. for reading patterns
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3226—Use of secure elements separate from M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G07C—TIME 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
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/37—Individual registration on entry or exit not involving the use of a pass in combination with an identity check using biometric data, e.g. fingerprints, iris scans or voice recognition
    • 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
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0018—Constructional details, e.g. of drawer, printing means, input means
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04B—TRANSMISSION
    • H04B1/00—Details of transmission systems, not covered by a single one of groups H04B3/00 - H04B13/00; Details of transmission systems not characterised by the medium used for transmission
    • H04B1/38—Transceivers, i.e. devices in which transmitter and receiver form a structural unit and in which at least one part is used for functions of transmitting and receiving
    • H04B1/40—Circuits
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M1/00—Substation equipment, e.g. for use by subscribers
    • H04M1/72—Mobile telephones; Cordless telephones, i.e. devices for establishing wireless links to base stations without route selection
    • H04M1/724—User interfaces specially adapted for cordless or mobile telephones
    • H04M1/72403—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality
    • H04M1/72409—User interfaces specially adapted for cordless or mobile telephones with means for local support of applications that increase the functionality by interfacing with external accessories
    • H—ELECTRICITY
    • H04—ELECTRIC COMMUNICATION TECHNIQUE
    • H04M—TELEPHONIC COMMUNICATION
    • H04M2250/00—Details of telephonic subscriber devices
    • H04M2250/14—Details of telephonic subscriber devices including a card reading device

Definitions

  • This invention relates to the processing of credit card transactions in the field, where
  • the credit card data is considered at risk to potential pirating or scanning during the over the air transmission phase.
  • Hypercom for one does not at the present time, encrypt their transmissions with a Government approved typed encryption standard and offers no customer security for credit card transactions effected over the air.
  • the present invention addresses the need for over the air security utilizing Government approved, triple digital algorithm encryption coupled to a digital signature key hand shake, all certified to comply with the National Security Agency Compliance Standards.
  • Over the air transmissions effected the herein disclosed methods achieved a level of security known to the Department of Defense of the United States Government as physical security level two, and software encryption level three. This is as secure as most bank computers effecting bank to bank and intra-bank transfers and the same security as the ATM machines.
  • the plug-in module is designed to be plugged into the external port of most popular,
  • enclosure or external housing consisting primarily of a plastic molded design will vary as to the specific phone manufacturer in order to contour to that
  • the various features of the phone module will include an encryption module, a credit card reader head, and infra-red port for communicating to a printer or p/c for purposes of printing a receipt, and a barcode reader for reading barcodes from printed materials such as magazines, brochures and packaging and a fingerprint reader device to electronically identify the user of the cellular phone or the user of the credit card being swiped through the reader slot of the credit card reader module.
  • an encryption module for communicating to a printer or p/c for purposes of printing a receipt
  • a barcode reader for reading barcodes from printed materials such as magazines, brochures and packaging
  • a fingerprint reader device to electronically identify the user of the cellular phone or the user of the credit card being swiped through the reader slot of the credit card reader module.
  • the credit card reader module may remain
  • Stored credit card data is encrypted within the microprocessor unit utilizing a
  • the encrypted card data is displayed on the L.C.D. displayed on the phone unit.
  • the phone's L.C.D. display prompts the user to enter the dollar amount of the
  • the WAP application in the cellular phone unit creates an Internet Protocols
  • IP session IP session
  • IP session IP session
  • the processing center decrypts the data utilizing a server computer owned and operated by the manufacturer of the plug-in module. 7.) The decrypted data is processed in the usual manner in determining if the
  • the user or customer can scan the barcode for that item which will be stored within the internal memory of the attachment module and can be used to make purchases wirelessly by swiping a credit card to effect the purchase and complete the transaction.
  • the customer can positively identify himself/herself by either sliding their magnetic striped driver's license through the credit card slot or by passing their finger in front of the fingerprint reader lens on the side of the attachment module.
  • Figure 1 depicts the exterior of the plug-in module and its contour to the cellular
  • FIG. 2 depicts the internal component positioning of the circuit board and the various
  • Figure 3 depicts the flow chart of the actions performed by the plug-in module from card swipe to authorization and completion step by step.
  • FIG. 4 depicts a sample merchant transaction as it occurs from card swipe to IP session to MTSO to card processor through the secured gateway via a Private Frame Relay to the transaction consummation point of credit card approval or decline and completion of the
  • FIG. 5 depicts the encryption process and the subsequent decryption process from start to finish.
  • FIG. 6 depicts the manner in which the various organizations including the processing
  • settlement bank the cellular provider, the manufacturer of the cellular phone (for inventory control purposes,) the module manufacturer, and the credit card issuing agent,

Abstract

A method for converting a standard, consumer, hand held, cellular telephone into a hand held point of sale (POS) credit card terminal, utilizing an attachment module which plugs into the data port on the bottom or external RS-232 port of the cellular phone is described herein. The Module is comprised of: a reinforced plastic enclosure molded to the contour of the cellular phone; an internal printed circuit board containing a micro-processor unit, a memory chip, an I/R interface chip, I/R diodes; a credit card reader head that has been modified to reduce the size of the reader head thickness; a barcode reader; an electronic fingerprint reader interface and an encryption module chip.

Description

PLUG IN CREDIT CARD READER MODULE FOR WIRELESS CELLULAR
PHONE VERIFICATIONS
BACKGROUND OF THE INVENTION
This invention relates to the processing of credit card transactions in the field, where
ordinarily a credit card can only be processed by manually sliding a credit card imprinter
device across the card, while held inside a mechanical device, then telephoning the raised credit card information manually to a customer service representative at a processing center, then manually recording an authorization code recited over the phone orally to the person processing the transaction. Not only is this procedure inconvenient and time consuming, but also it creates increased losses due to fraud for the credit card companies and cost the merchant accepting payments in the field additional processing fees due to the perceived risk of increased fraud. When a card is slid through a slot and the card is electronically read, as is the case in most department stores and restaurants, the fraud is reduced, since the person using the card to effect the purchase is generally present at the
time the card is being swiped. The instances of credit card fraud, when the number is merely written down and not electronically read, are a calculated risk for both the
merchant accepting the card and the processor giving its authorization. While the card
may be good for the charged amount, the person utilizing the card number to effect the
purchase may not be authorized to do so. This creates charge backs for the merchant and
ultimately cost the processor in terms of disputed card purchases and labor costs in
resolving these disputed charges. Earlier methods in solving this problem were kluge at best, and involved the slipshod melting of technologies at great expense in terms of hardware. One such solution, developed by Hypercom, a publicly traded company, involves the marriage of a standard off the shelf Verifone credit card reader device and a conventional hand-held phone packaged in a small briefcase and battery operated. The system costs approximately $1500 per unit and is not very portable, in terms of customer convenience. No company found offers a device that is usable on as needed basis by merely plugging in an add-on module into the cellular phone's external data port, and removing the plug-in module when no credit card transactions are being processed.
The credit card data is considered at risk to potential pirating or scanning during the over the air transmission phase. Hypercom for one, does not at the present time, encrypt their transmissions with a Government approved typed encryption standard and offers no customer security for credit card transactions effected over the air. The present invention addresses the need for over the air security utilizing Government approved, triple digital algorithm encryption coupled to a digital signature key hand shake, all certified to comply with the National Security Agency Compliance Standards. Over the air transmissions effected the herein disclosed methods achieved a level of security known to the Department of Defense of the United States Government as physical security level two, and software encryption level three. This is as secure as most bank computers effecting bank to bank and intra-bank transfers and the same security as the ATM machines. In today's fast-paced world the efficiency and speed of the computer process is a sigmficant factor in any transaction either financial in nature or just in providing the user or customer time saving advantages. The earlier processing transaction times utilizing mated technologies, such as those offered by Hypercom and others, typically involve nearly a full minute to process a transaction. Utilizing the technologies described herein, reduces the processing time to a few seconds for each transaction. This adds to customer satisfaction and creates a much more desirable product overall.
DESCRIPTION OF THE PREFERRED EMBODIMENT
The plug-in module is designed to be plugged into the external port of most popular,
cellular hand-held phones, on the market throughout the world. The internal circuit board,
components, design, firmware, software and operation features will not vary significantly
from manufacturer to manufacturer of cellular phones as far as the end-user is concerned,
with the exception that the enclosure or external housing consisting primarily of a plastic molded design will vary as to the specific phone manufacturer in order to contour to that
specific model and brand of phone used. The various features of the phone module will include an encryption module, a credit card reader head, and infra-red port for communicating to a printer or p/c for purposes of printing a receipt, and a barcode reader for reading barcodes from printed materials such as magazines, brochures and packaging and a fingerprint reader device to electronically identify the user of the cellular phone or the user of the credit card being swiped through the reader slot of the credit card reader module.
When the cellular phone is used normally, the credit card reader module may remain
attached to the external data port of the cellular phone at all times, however the module
will go into a standby mode, in order to reduce the power consumption on the cellular
phone until such time as the credit card reader module is activated by the sliding of a credit card through its slot. Once there is a credit card swipe through the body of the
credit card reader module, then the electronic components on the circuit board embedded
within the credit card reader module will go to their full wake-up mode and process the
credit card data as follows: 1.) Magnetically stored credit card data is read from credit card magnetic stripe
tracks 1,2, and 3 and stored in the internal memory.
2.) Stored credit card data is encrypted within the microprocessor unit utilizing a
U.S. Government Certified T-DES algorithm.
3.) The encrypted card data is displayed on the L.C.D. displayed on the phone unit.
4.) The phone's L.C.D. display prompts the user to enter the dollar amount of the
transaction and press the SEND key. 5.) The WAP application in the cellular phone unit creates an Internet Protocols
Session (IP session) with the credit card processing center and transfers the encrypted credit card data over the air through the Mobile Telephone Switch
Office (MTSO) to the processor via a Private Frame Relay link from the
MTSO to the processors facilities. 6.) The processing center decrypts the data utilizing a server computer owned and operated by the manufacturer of the plug-in module. 7.) The decrypted data is processed in the usual manner in determining if the
credit card is expired, stolen, or over its limit, and the amount of the transaction is approved or declined as to the dollar amount of the current
purchase being processed.
8.) The resulting approval or decline is transferred to the cellular phone module
via the in process WAP application utilizing the IP session protocols.
9.) The results from the processor are displayed on the screen of the L.C.D.,
within the cellular phone via the WAP application. 10.) The credit card approval session is ended and the credit card module circuitry
goes back to sleep mode in anticipation of another credit card transaction later
on.
11.) By aiming the module's infra-red window at a portable printer and depressing
the PRINT key on the module, the stored information regarding the previous
transaction is transferred by infra-red transmission to the printer for the
purpose of issuing a receipt to the user or customer.
12.) In the case of a magazine depicting an item of clothing or merchandise for sale, such as an in-flight airline magazine, the user or customer can scan the barcode for that item which will be stored within the internal memory of the attachment module and can be used to make purchases wirelessly by swiping a credit card to effect the purchase and complete the transaction.
13.) In case the identity of the credit card user is unknown, the customer can positively identify himself/herself by either sliding their magnetic striped driver's license through the credit card slot or by passing their finger in front of the fingerprint reader lens on the side of the attachment module.
Once a driver's license or fingerprint data is read and stored, the data is encrypted
utilizing the same encryption algorithm referred to herein above for the credit card
capture data. This the creates a secure portal for all types of transactions including but not
limited to e-mail messages, financial transactions and purchases utilizing a credit card,
debit card, a check or other forms of payment verification and for paying traffic tickets at
the side of the road. A BRIEF DESCRIPTION OF THE DRAWINGS
Figure 1, depicts the exterior of the plug-in module and its contour to the cellular
telephone to which it is attached.
Figure 2, depicts the internal component positioning of the circuit board and the various
parts within the module internal cavity.
Figure 3, depicts the flow chart of the actions performed by the plug-in module from card swipe to authorization and completion step by step.
Figure 4, depicts a sample merchant transaction as it occurs from card swipe to IP session to MTSO to card processor through the secured gateway via a Private Frame Relay to the transaction consummation point of credit card approval or decline and completion of the
transaction.
Figure 5, depicts the encryption process and the subsequent decryption process from start to finish.
Figure 6, depicts the manner in which the various organizations including the processing
center, settlement bank, the cellular provider, the manufacturer of the cellular phone (for inventory control purposes,) the module manufacturer, and the credit card issuing agent,
whom all share a common database in the case of lost units, customer complaints or
inquiries, and support for the various agencies' customer help support desk.

Claims

CLAIMSI claim, a plug in attachment module for any manufactured cellular telephone as an after market device, which attaches to the existing cellular phone, witliout modifications, by connecting through the standard external data port, either via an RS-232 configuration or USB configuration said module to contain:
1. A credit card magnetic stripe reader head;
2. A smart card insertion slot;
3. A barcode reader device;
4. A fingerprint reader;
5. An I/R (infrared) wireless printer interface (standard protocols);
6. An AES type approved encryption module;
7. A memory storage device for data retention;
8. A microprocessor unit;
The said module connects to a credit card processing center, a retail sales organization, a bill payment center, or an internet sales organization to effect purchases, pay bills, settle accounts and effect secure transmissions for financial transactions via a secure portal, either via the internet or via a private network. The secure connection is effected via an IP session, dialup session or overhead signaling and messaging session on the cellular carriers network.
PCT/US2003/023196 2002-07-30 2003-07-24 Plug in credit card reader module for wireless cellular phone verifications WO2004095355A1 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
MXPA05002195A MXPA05002195A (en) 2002-07-30 2003-07-24 Plug in credit card reader module for wireless cellular phone verifications.
EP03816704A EP1546990A4 (en) 2002-07-30 2003-07-24 Plug in credit card reader module for wireless cellular phone verifications
AU2003263807A AU2003263807A1 (en) 2002-07-30 2003-07-24 Plug in credit card reader module for wireless cellular phone verifications
JP2004571155A JP2006514767A (en) 2002-07-30 2003-07-24 Plug-in credit card reading module for mobile phone authentication
CA002495947A CA2495947A1 (en) 2002-07-30 2003-07-24 Plug in credit card reader module for wireless cellular phone verifications

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/207,730 2002-07-30
US10/207,730 US20040104268A1 (en) 2002-07-30 2002-07-30 Plug in credit card reader module for wireless cellular phone verifications

Publications (1)

Publication Number Publication Date
WO2004095355A1 true WO2004095355A1 (en) 2004-11-04

Family

ID=32392300

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2003/023196 WO2004095355A1 (en) 2002-07-30 2003-07-24 Plug in credit card reader module for wireless cellular phone verifications

Country Status (10)

Country Link
US (1) US20040104268A1 (en)
EP (1) EP1546990A4 (en)
JP (1) JP2006514767A (en)
KR (1) KR20050039836A (en)
CN (1) CN1682240A (en)
AU (1) AU2003263807A1 (en)
CA (1) CA2495947A1 (en)
MX (1) MXPA05002195A (en)
RU (1) RU2005105570A (en)
WO (1) WO2004095355A1 (en)

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US20040104268A1 (en) 2004-06-03
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