Title:
SYSTEM AND METHOD FOR PAYMENT USING RADIO FREQUENCY IDENTIFICATION IN CONTACT AND CONTACTLESS TRANSACTIONS
Document Type and Number:
WIPO Patent Application WO2003007623
Kind Code:
B1
Abstract:
A transporter-reader payment system includes a fob (102) including a transponder (114), and a RFID reader (104) for interrogating the transponder (102). The system may further include a personalization system (134) for populating onto the fob (102) and RFID reader (104) identifying information and security and authentification keys which may be used during mutual authentication of the fob (102) and the reader (104) and for completing a transaction. In exemplary operation, the fob (102) and RFID reader (104) may be personalized, the fob (102) may be presented to the RFID reader (104) for interrogation, the fob (102) and reader (104) may engage in mutual authentication, and fob (102) identifying information may be provided to the reader (104) for transaction completion. In another exemplary embodiment, operation of the transponder-reader payment system may be controlled by an activation circuit. Further, the fob (102) may be responsive to multiple interrogation signals.
Inventors:
BERARDI MICHAEL J
BLIMAN MICHAL
BONALLE DAVID S
ELWOOD JENNIFER ANNE
HOOD MATTHEW C
ISENBERG SUSAN E
MAYERS ALEXANDRA
SAUNDERS PETER D
SCHEDING KATHRYN D
SHAH SEJAL AJIT
WILLIAMSON JOHN R
BLIMAN MICHAL
BONALLE DAVID S
ELWOOD JENNIFER ANNE
HOOD MATTHEW C
ISENBERG SUSAN E
MAYERS ALEXANDRA
SAUNDERS PETER D
SCHEDING KATHRYN D
SHAH SEJAL AJIT
WILLIAMSON JOHN R
Application Number:
PCT/US2002/021903
Publication Date:
July 31, 2003
Filing Date:
July 10, 2002
Export Citation:
Assignee:
AMERICAN EXPRESS TRAVEL RELATE (US)
International Classes:
G06K17/00; G06Q20/00; G07C9/00; (IPC1-7): H04Q1/00; G05B19/00
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