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40 Pages·2013·3.35 MB·English

US 20120246079A1
United States
(19)
(12) Patent Application Publication (10) Pub. No.: US 2012/0246079 A1
Wilson et al. (43) Pub. Date: Sep. 27, 2012
(54) AUTHENTICATION USING APPLICATION (52) US. Cl. ........................................................ .. 705/67
AUTHENTICATION ELEMENT (57) ABSTRACT
(76) Inventors? Dave William Wilson: Surrey Embodiments of the present invention can be directed to
(GB); John Francis Benedict systems, apparatuses, and methods for performing transac
Bourdillons Paddington (GB); tions through mobile communication devices using telecom
Christian Aabye, Foster City, CA munications networks, systems, or proximity near-?eld com
(US) munications systems. Embodiments may be directed to a
mobile communication device displaying an application
(21) APP1- NOJ 13/428,431 authentication element including a pro-selected authentica
tion element. The application authentication element may
(22) Filed? Mar- 23: 2012 include transaction data associated With a transaction con
ducted by a mobile communication device. The mobile com
Related U-s- Application Data munication device may obtain the pre-selected authentication
(60) Provisional application No. 61/467,106, ?led on Mar. element by either transmitting a reque,“ t? a Server Computer
2 4 2011' or retrievmg the pro-selected authenticatlon element from a
’ secure memory in the mobile communication device. A user
_ _ _ _ authentication token may then be received by the mobile
Pubhcatlon Classl?catlon communication device from the user. The mobile communi
(51) Int, Cl, cation device may then generate a secret token derived from
G06Q 20/40 (201201) the user authentication token, and if the secret token is corre
H04W 12/06 (200901) lated to a secret reference token, a transaction may be con
G06Q 20/32 (2012.01) ducted
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MOBILE ACCESS ACQUIRER PAYMENT ISSUER
CONLSO‘iMER <—> COWQé'Q‘IIIg/QT‘ON <~> DIEVICE <-> COMPUTER <-> P?gg?fq'?ca <-> COMPUTER
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Patent Application Publication Sep. 27, 2012 Sheet 1 0f 15 US 2012/0246079 A1

Patent Application Publication Sep. 27, 2012 Sheet 3 0f 15 US 2012/0246079 A1
300
\ ANTENNA
310 '
PROCESSOR
3Q;
DISPLAY
3.05
DATA INPUT/OUTPUT
3.05.
COMMUNICATIONS
30.5
APPLICATIONS/DATA
STORAGE/MEMORY
3.0.6.
CONTACTLESS ELEMENT
INTERFACE
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CONTACTLESS ELEMENT
PROCESSOR/SECURE MEMORY/NFC DATA TRANSFER
1%
MOBILE PAYMENT APPLICATION
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FIG. 3
Patent Application Publication Sep. 27, 2012 Sheet 4 0f 15 US 2012/0246079 A1
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Patent Application Publication Sep. 27, 2012 Sheet 7 0f 15 US 2012/0246079 A1

Patent Application Publication Sep. 27, 2012 Sheet 9 0f 15 US 2012/0246079 A1
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