Notes

The transaction card 112 could then synthesize the FV info that corresponds to the person account and personalize an internal safety module that features, for instance, payment functions for executing transactions with financial institutions 106 and related person credentials. The self- train mode may be used to re-personalize the transaction card 112 within the field. In some implementations, all earlier data could be deleted if the self-train mode is activated. The self-train mode may be a peer-to-peer personalization mode where the card 112 may obtain personalization information from one other transaction card 112. This mode could characterize an extra personalization mode as compared with manufacturing facility, retailer and/or Over-The-Air personalization scenarios which may be server to shopper personalization situations. In some implementations, the self-train mode may be a peer-to-peer personalization mode the place the transaction card 112 receives personalization info from one other transaction card.
The information may include, for instance, transaction information (e.g. , transaction receipt, transaction history), scripts, functions, Web pages, and/or other info associated with the financial establishments 106. The event could embrace completing a transaction, determining a transaction card 112 is outdoors the operating range of a POS terminal, receiving a request from a consumer of the cell host device, and/or others. For instance, the monetary establishment 106 may establish a mobile host device 110 associated with a card 112 that executed a transaction and transmit transaction information to the cell host device a hundred and ten using the mobile core network 202. In using the cellular core community 202, the financial establishments 106 could transmit infoπnation to the transaction card 112 with out requiring a POS terminal being proximate to the cardboard 112. [newline]In addition or alternatively, the monetary establishment 106 might request info from the mobile host gadget 110, the transaction card 112 and/or the consumer utilizing the mobile core network 202. For instance, the monetary institution 106 may transmit a request for transaction history to the cardboard 112 via the mobile core network 202 and the cellular host gadget a hundred and ten.
In some implementations, the cardboard 112 can also enter this state when the reset needle level is pressed. In this mode, the transaction card 112 may preserve locally-stored info together with financial consumer knowledge. In this mode, the transaction card 112 could execute the activation course of and if successful could return to the active mode. Financial institutions 106 might use this mode to quickly forestall usage in response to no less than figuring out no less than potentially fraudulent activity. In regards to the self-train mode, the transaction card 112 may execute a model of the reader mode. In Leather cell phone holster , the self-train mode could be activated by a special motion (e.g. , a needle level press to a small change, entry of an administrative password through the GUI 111).
Alternatively or along with functions, the transaction card 112 may current offline Web pages to the consumer using the GUI 111. In response to initiating a transaction, the transaction card 112 may mechanically present an offline Web web page by way of the GUI 111. In some implementations, the offline Web page may be related to a monetary establishment 106.
In Cell phone holster , a flag in memory may be set to ON indicating that network authentication is required. If the flag is set to ON, a singular id about the allowed community is regionally saved in memory such a Mobile Network Code for GSM networks, a NID for CDMA networks, a SSID for broadband networks, and/or identifiers. If this flag is ON, the CPU 408 in response to no much less than insertion may request a special software plug-in to be downloaded to the host gadget and instantiated.
Regardless of the affiliation process, the system a hundred could use the cellular capabilities of the host devices 110 to speak info between the financial establishments 106 and the transaction card 112. In utilizing the mobile radio technology of the host device one hundred ten, the system 100 might communicate with the transaction card 112 when the card 112 is not proximate a retail system, such because the POS gadget 114 of FIGURE 1. In some implementations, the card 806 may receive a command to activate or deactivate the antenna via the host device 804 as illustrated in session 820d. For example, a monetary establishment may determine irregular transactions and transmit a command by way of the community 802 to deactivate the card 806. In some implementations, a consumer and/or financial institution could request a transaction historical past of the card 806 as illustrated in session 82Of. In some implementations, the consumer could present offline Web pages stored in the card 806 as illustrated in session 820.
For instance, the cellular system a hundred and ten could obtain and transmit wi-fi and/or contactless communication with the system one hundred. In some implementations, the cell gadgets a hundred and ten could also be based mostly on a mobile radio expertise. For instance, the mobile device 110 could also be a PDA operable to wirelessly connect with an exterior or unsecured network. In some implementations, the system one hundred might execute a quantity of of the modes discussed with respect to FIGURE 1. For instance, the transaction card 112 could additionally be re-personalized/updated utilizing the mobile radio technology of the cellular host gadget 110.
The security module chip may provide tamper-resistant hardware safety functions for encryption, authentication, administration of person credentials utilizing multiple security domains, on-board processing capabilities for personalization, entry and storage, and/or others. In some implementations, the security module chip can embody the contactless chipset 318. In some aspects of operation, a service provider or other entity could operate the cellular host system HOc as a cellular POS terminal configured to wirelessly execute transactions with the good card 214. For example, a vendor may be mobile (e.g., a taxi driver) and should embrace a cell host gadget 110c with a transaction card 112c.
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