Notes

Since two transaction cards 112 are used in this mode, this mode may be completely different from a server- to-client personalization situation as with a manufacturing unit, store, and OTA personalization. In Leather pouch , 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 at least the transaction request, the transaction card 112 might transmit a quantity of transaction responses 119 identifying data related to a payment account. In some implementations, the POS device 114 could transmit a request 118 to authorize a transaction to the financial establishment 106. The authorization info could embrace an account number, a transaction quantity, user credentials, and/or different infoπnation. In response to no less than the transaction request 118, the monetary establishment 106 may transmit an authorization response 120 to the POS gadget 114.
The safety module chip might present tamper-resistant hardware safety capabilities for encryption, authentication, management of user credentials using a number of safety domains, on-board processing capabilities for personalization, entry and storage, and/or others. In some implementations, the safety module chip can embody the contactless chipset 318. In some aspects of operation, a service provider or different entity may operate the cell host device HOc as a cell POS terminal configured to wirelessly execute transactions with the good card 214. For instance, a vendor could additionally be cellular (e.g., a taxi driver) and will include a cell host device 110c with a transaction card 112c.
The antenna 322 may be a short vary wi-fi antenna connected to an NFC inlay via a software change similar to a NAND Gate or other factor. The GUI 109 could current a sequence of screens or displays to the person to, for example, settle for a transaction and enter safety info similar to a PIN. The offline retailer 102 is mostly no much less than a portion of an enterprise having a bodily presence (e.g. , building) for operations. For example, the offline retailer 102 may promote goods and/or providers at a physical location (e.g., a brick-and-mortar store) directly to prospects.
In general, the intelligent card 400 could independently access providers and/or transactions. The clever card 400 is for illustration purposes only and may include some, all, or completely different parts without departing from the scope of the disclosure. For instance, the antenna management perform 320 might activate/deactivate the antenna 322 in response to, for instance, successful authentication, completion of a routine established by the OS 316, and/or different event.
If the clever card contains one or more gadget signatures, then execution proceeds to decisional step 732. If Leather phone holster of many device signatures matches the request community ID, then execution proceeds to decisional step 734. If the signatures and the request network ID don't match, then execution proceeds to step 722 for deactivation. If user authentication isn't included in the authentication course of, then execution proceeds to decisional step 712 for physical authentication. If user authentication is included at decisional step 734, then execution proceeds to step 738. In the event that the cell system 110 is proximate (e.g. , 10 cm or less) a transmitting terminal, the reader mode of the transaction card 112 might activated and prompt the person for authorization to obtain information through the GUI 111.
In some implementations, the POS system 114 could transmit the response a hundred and twenty to the transaction card 112. The transaction response 120 may include, for instance, a receipt presentable to the consumer through the GUI I l ia. In some implementations, the financial institution 106 might transmit the authorization response a hundred and twenty to the cell device via a cellular core network . At a high stage, the system a hundred contains an offline store 102 and purchasers 104a and 104b coupled to financial establishments 106 by way of a community 108. While not illustrated, the system a hundred could included a number of intermediary events between the monetary establishment 106 and the network corresponding to, for example, a transaction acquirer and/or a cost network host. The offline retailer 102 features a cellular device 110a having a transaction card 112a and a Point of Sale gadget 114 that executes transactions with customers.
For example, the cardboard 806 could receive a request to current an offline Web page from the user utilizing the host system 804 and current the offline web page using the URL in the request. In some implementations, knowledge stored within the memory of the cardboard 806 may be presented via, for instance, the host gadget 804 as illustrated in session 82Oh. For instance, the consumer may request specific info associated with a transaction on a sure information and the card 806 may retrieve the info and current the data to the consumer utilizing the host device 804. In addition, the user may write data to the reminiscence within the card 806 as illustrated in session 82Oi.
For instance, the user may select a graphical factor displayed via 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 institution using mobile radio know-how of the host device. For example, the transaction card 112d of FIGURE 2 may wireless transmit an activation request to the financial establishment 106 utilizing the mobile radio expertise of the cellular host gadget 11Od. If an account activation just isn't included, then execution proceeds to decisional step 908. If an activation code is not included, then at step 912, a number of preprogrammed questions are offered to the consumer using the GUI of the host device.
In regards to the hardware reset course of, the use could use the reset needle level press on the bodily transaction card 112 to activate the self-train mode. When the transaction card 112 is inserted into the new host device, the provisioning course of might start as discussed above. For example, the client 104 may be a PDA operable to wirelessly join with an external or unsecured community.
In some circumstances, the sort of distinctive community identity employed and the method to infer it from the host system may be variable and depending on the community supplier and capability of the host system. If the locally-stored ID matches the request ID, the CPU 408 activated the antenna 402 to allow entry or otherwise services are denied. In regards to the inactive mode, the transaction card 112 may quickly deactivate the contactless interface. In some implementations, the inactive mode could be activated by way of the physical interface with the mobile device a hundred and ten such as a microSD interface. In response to no less than the activation of the inactive mode, the transaction card 112 may temporarily behave as solely a mass-memory card.
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