Contactless-chip-initiated transaction system

Details Contactless-chip-initiated transaction system Contactless-chip-initiated transaction system

2006-01-24

2010-06-29

Elisca, Pierre E (Department: 3621)

Data processing: financial, business practice, management, or co

Business processing using cryptography

Secure transaction

C705S050000, C705S051000

Reexamination Certificate

active

07747539

ABSTRACT:
Methods and apparatus process a financial transaction initiated by a consumer with a contactless transaction device. An electromagnetic transmission identifying a financial account and an adjunct identifier is received from the device. Transaction data are electromagnetically transmitted to the device. Another electromagnetic transmission providing authentication data and a digital signature originated from the transaction data is received from the device. The device is authenticated with an analysis of the authentication data and digital signature. An authorization request for approval of the financial transaction is transmitted over a payment network to an issuer system, and a response is received. The adjunct identifier is transmitted to an adjunct system distinct from the issuer system for implementation of functions adjunct to the financial transaction. The financial transaction is acted on in accordance with the response to the authorization request.

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