Notes

Since two transaction playing cards 112 are used in this mode, this mode could also be different from a server- to-client personalization state of affairs as with a manufacturing unit, store, and OTA personalization. In some implementations, the POS 114 might transmit a transaction request 117 to the transaction card 112 for information to generate an authorization request 118. In response to a minimum of the transaction request, the transaction card 112 could transmit a quantity of transaction responses 119 identifying data related to a fee account. In some implementations, the POS device 114 could transmit a request 118 to authorize a transaction to the monetary establishment 106. The authorization data might include an account quantity, a transaction quantity, consumer credentials, and/or different infoπnation. In response to at least the transaction request 118, the financial establishment 106 could transmit an authorization response one hundred twenty to the POS device 114.
The GUI a hundred and fifteen contains a graphical consumer interface operable to allow the consumer of the shopper 104 to interface with no less than a portion of the system one hundred for any appropriate objective, similar to viewing transaction data. Generally, the GUI 115 offers the particular consumer with an environment friendly and user-friendly presentation of knowledge supplied by or communicated inside the system one hundred. The GUI one hundred fifteen could comprise a plurality of customizable frames or views having interactive fields, pull-down lists, and/or buttons operated by the consumer. The GUI 115 can embody any graphical consumer interface, similar to a generic internet browser or contact display screen, that processes information in the system a hundred and presents the outcomes to the consumer. The financial institutions 106 can settle for knowledge from the consumer 104 utilizing, for example, the net browser (e.g., Microsoft Internet Explorer or Mozilla Firefox) and return the suitable responses (e.g., HTML or XML) to the browser utilizing the community 108.
In response to at least the request, the financial institution 106 might generate an authorization response to the transaction card 112c utilizing the cellular host device a hundred and ten and the cellular community 202. In some implementations, the transaction card 112 may provoke a transaction in response to no much less than a person deciding on a graphical element in the GUI 111. The transaction card 112 may initiate a transaction with the POS 114 in response to a minimum of wireless request transmitted by the POS 114. In some implementations, the transaction card 112 may selectively change the antenna between an on and off state in response to a number of occasions.
The contactless smart card 214 operates independent of an inside energy supply and captures energy from incident radio-frequency interrogation indicators to power the embedded electronics. In common, reminiscence playing cards embrace only non-volatile reminiscence storage parts and will embrace some specific safety logic. In some implementations, the good card 214 can have dimensions of usually credit card measurement (e.g., eighty five.60 x fifty three.ninety eight x .76 mm, 5 x 15 x .seventy six mm). The smart card 214 could embrace a safety system with tamper-resistant properties (e.g. , a secure cryptoprocessor, safe file system, human-readable features) and/or could additionally be configured to supply security companies (e.g. , confidentiality of stored information).
The card wirelessly executes financial transactions with a retail terminal impartial of the cellular host gadget and presents and receives information via the GUI of the cell host system. One or extra instructions are transmitted to the cellular host system in response to at least an occasion. The card considerably controls one or more hardware elements of the cell host system utilizing the a number of commands. In this example, the transaction card 112c might wirelessly receive account info from the sensible card 214 and the POS 114 might transmit an authorization request to the financial institution 106 using the cellular host device 110 and the mobile core community 202.
In addition, the transaction card 112 might delete financial content material in memory in response to at least this mode being activated. In some implementations, financial establishments 106 might use this mode to delete data from a transaction card 112 that is bodily misplaced but nonetheless linked to the wireless community by way of the host device 110. FIGURES 1OA and 1OB illustrate instance playing cards one thousand and 1020, respectively, for housing the transaction card 112 of FIGURE 1. For instance, the transaction playing cards 112 may be inserted into the playing cards a thousand and 1020 through the personalization process and/or distribution processes. By executing personalization while inserted, the transaction playing cards 112 may be personalized using the identical systems used to personalize good cards with considerably no alterations. In other phrases, the cards one thousand and 1020 may have substantially related dimensions as smart playing cards such that personalization techniques might equally course of the cards one thousand and/or the 1020.
This mode could only be appropriate for cell devices a hundred and ten with a Ul factor, such as an OK button and a display, an LED to indicate that information reception is being requested, and/or other interfaces. Once the person authorizes the transmission, the transaction card 112 in this mode might receive, and domestically retailer, process and should execute a transaction and/or ahead obtained information to a different entity. For instance, the transaction card 112 in this mode might obtain content via promotional posters, validating the purchase of a ticket, and/or others. Once Cell phone holster , the cell system 110 could display the confirmation of the transaction to the consumer by way of the GUI 111. Each mobile gadget a hundred and ten comprises an digital system operable to interface with the transaction card 112a.
For example, the consumer may select a graphical component displayed through the GUI 111 of a cell host device 110 in FIGURE 1. If an account activation is included at decisional step 904, then at step 906, a request to activate the associated monetary account is wirelessly transmitted to monetary establishment utilizing mobile radio expertise of the host gadget. For instance, the transaction card 112d of FIGURE 2 may wireless transmit an activation request to the monetary establishment 106 using the mobile radio expertise of the mobile host device 11Od. If an account activation isn't included, then execution proceeds to decisional step 908. If an activation code isn't included, then at step 912, a number of preprogrammed questions are introduced to the user using the GUI of the host gadget.
In regards to the hardware reset course of, the use might use the reset needle point press on the bodily transaction card 112 to activate the self-train mode. When Phone holster is inserted into the model new host device, the provisioning process might start as discussed above. For instance, the client 104 may be a PDA operable to wirelessly connect with an exterior or unsecured community.
In some implementations, the transaction card 112 can be backward compatible and function as a mass storage system. For example, if the wireless interface of the transaction card 112 isn't out there or deactivated, the transaction card 112 may function as a mass storage system enabling users to entry data saved in the reminiscence part (e.g. , Flash). In some implementations, the transaction card 112 can execute a set of initialization commands in response to a minimal of insertion into the mobile gadget one hundred ten. Returning to decisional step 724, if the authentication process does not embrace gadget authentication, then execution proceeds to decisional step 736. If person authentication is not included within the course of, then, at step 722, the clever card is turned off. If Cell phone holster is included, then, at step 738, the intelligent card request a PIN quantity from the user utilizing the host device.
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