Electronic payment schemes in a mobile environment for short-range transactions

US7194438B2 · kind B2 · utility

Assignee

• Nokia · FI

Inventors

• Sampo Sovio · Helsinki, FI
• Jan-Erik Ekberg · Vantaa, FI
• Nadarajah Asokan · Espoo, FI
• Pekka Lahtinen · Helsinki, FI

Key dates

• Filing date: Feb 25, 2004
• Grant date: Mar 20, 2007
• Expiry date: Jun 19, 2024

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04M2215/0196
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A short-range transaction system enables a user to conduct transactions with a self-service terminal in a user-friendly environment without using currency. The user carries a portable smart card, which interacts with a mobile phone. After authentication via an RFID connection, the device MAC address and a security key (K) are imprinted in the card. In operation, the user waves the smart card past the self-service terminal and activates an RFID connection. The terminal sends the card a random number. The card returns the MAC address and a result (RES) computed using the hash value and the security key. The terminal using the MAC address and security key establishes a secure connection with the device. The terminal downloads the user's transaction interface from the device and displays the user interface at the self-service terminal. The user completes a transaction at the terminal via the user interface.