Claims
- 1. A transponder-reader payment system comprising:
a. a Radio Frequency Identification (RFID) reader operable to provide a radio frequency (RF) interrogation signal for powering a transponder system, receiving a transponder system RF signal, and communicating a transponder system account data related to said transponder system RF signal to a merchant system, said RFID reader including,
i. a first interrogator for providing a first RF interrogation signal; ii. a RFID authentication circuit in communication with said interrogator; iii. a RFID database, in communication with said RFID authentication circuit; iv. a universal serial bus (USB) interface; and v. a RFID protocol/sequence controller in communication with at least one of said first interrogator, said RFID authentication circuit, said RFID database, and said USB interface, said RFID protocol/sequence controller configured to facilitate control of the order of operation of said interrogator, said RFID authentication circuit, said RFID database, and said USB interface.
- 2. A system according to claim 1 further comprising:
a. a transponder system operable to receive said first RF interrogation signal, authenticate said first RF interrogation signal, and transmit said transponder system account data, said transponder system comprising a
i. a first transponder responsive to said RF interrogation signal; ii. a second transponder responsive to a second RF interrogation signal, said first RF interrogation signal different from said second RF interrogation signal; iii. a transponder system authentication circuit in communication with at least one of said first transponder and said second transponder; and iv. a transponder system database in communication with said transponder system authentication circuit.
- 3. A system according to claim 2, wherein said transponder system further includes:
a. a transponder system USB interface; and b. a transponder system protocol/sequence controller in communication with at least one of said first transponder, said second transponder, said transponder system USB interface, said transponder system authentication circuit, and said transponder system database, said transponder system protocol/sequence controller configured to control the order of operation of said first transponder, said second transponder, said transponder system authentication circuit, said transponder system database, and said transponder system USB interface.
- 4. A system according to claim 1, wherein said RFID reader further includes:
a. a second interrogator, said second interrogator operable to send a second RF interrogation signal; and b. a RFID communications interface configured to communicate with a merchant system, said communications interface operable to provide said transponder system account data.
- 5. A system according to claim 4, wherein said RFID reader further includes a first antenna in communication with said first interrogator and a second antenna in communication with said second interrogator, wherein said first antenna is operable to provide said first RF interrogation signal to said first transponder and said second interrogator is operable to provide said second RF interrogation signal to said second transponder.
- 6. A system according to claim 1, wherein said RFID reader further comprises at least one of a universal serial bus (USB) and a serial interface.
- 7. A system according to claim 1, wherein said RFID database is operable to store at least one of a RFID reader identifying data, a transponder system decryption security key, a RFID reader encryption security key, an transponder authentication key and a transponder system personal identification number (PIN).
- 8. A system according to claim 5, wherein said RFID reader further comprises at least one of a RFID internal antenna, and a RFID external antenna, said RFID internal antenna and said RFID external antenna configured to provide at least one of said first RF interrogation signal and said second RF interrogation signal.
- 9. A system according to claim 2, wherein said transponder system further comprises at least one of a first transponder system antenna and a second transponder system antenna, said first transponder system antenna configured to receive said first RF interrogation signal, and said second transponder system antenna configured to receive said second RF interrogation signal.
- 10. A system according to claim 3, wherein said transponder system protocol/sequence controller is responsive to at least one of said first RF interrogation signal and said second RF interrogation signal, said transponder protocol/sequence controller controlling the sequence of operation at least one of said transponder system authentication circuit, said transponder system database, and said transponder system USB interface in response to at least one of said first RF interrogation signal and said second RF interrogation signal.
- 11. A system according to claim 3, wherein said transponder system protocol/sequence controller is configured to activate said transponder system authentication circuit in response to said first RF interrogation signal, said transponder system authenticating circuit configured to provide an encrypted RF interrogation signal, said transponder system authentication circuit configured to provide said encrypted RF interrogation signal to said first transponder for providing to said RFID reader.
- 12. A system according to claim 11, wherein said RFID reader is configured to receive said encrypted RF interrogation signal, said transponder system protocol/sequence controller activating said transponder system authentication circuit in response to said encrypted RF interrogation signal.
- 13. A system according to claim 12, wherein said RFID database is configured to provide a transponder system decryption key to said RFID authentication circuit in response to said encrypted RF interrogation signal, said transponder system decryption key for use in decrypting said encrypted RF interrogation signal, providing a decrypted RF interrogation signal, said transponder system decryption key provided to said reader based on an unique transponder identification code.
- 14. A system according to claim 13, wherein said RFID authentication circuit is configured to compare said decrypted RF interrogation signal and said RF interrogation signal to determine whether a match exists.
- 15. A system according to claim 14, wherein said RFID protocol/sequence controller is configured to activate at least one of said USB interface and said RFID communication interface where said RFID authentication circuit matches said decrypted RF interrogation signal and said RF interrogation signal.
- 16. A system according to claim 15, wherein said transponder system protocol/sequence controller activates said transponder system authentication circuit in response to at least one of said first RF interrogation signal and said second RF interrogation signal.
- 17. A claim according to claim 16, wherein said transponder system authentication circuit is configured to provide a transponder authentication code to at least one of said first transponder and said second transponder for providing to said RFID reader.
- 18. A system according to claim 17, wherein said RFID reader is configured to receive said transponder authentication code, said RFID protocol/sequence controller activating said RFID authentication circuit in response to said transponder authentication code, said RFID authentication circuit configure to encrypt said transponder authentication code.
- 19. A system according to claim 18, wherein said RFID reader is configured to provide said encrypted authentication code to said transponder system.
- 20. A system according to claim 19, wherein said transponder system database is operable to store at least one of a transponder system identification data, a RFID reader decryption security key, a transponder system account data.
- 21. A system according to claim 20, wherein said transponder system database is configured to provide said RFID reader decryption security key to said transponder system authentication circuit in response to said encrypted authentication code, said RFID reader decryption key for use in decrypting said encrypted transponder authentication code, providing a decrypted transponder authentication code.
- 22. A system according to claim 21, wherein said transponder system authentication circuit is configured to compare said decrypted transponder authentication code and said transponder authentication code to determine if a match exists.
- 23. A system according to claim 22, wherein said account data is in magnetic stripe format.
- 24. A system according to claim 23, wherein said transponder system transaction account data is pre-encrypted.
- 25. A system according to claim 24, wherein said transponder system database is configured to provide said pre-encrypted transponder system account data to said RFID reader where said transponder system authentication circuit matches said decrypted transponder authentication code and said transponder authentication code.
- 26. A system according to claim 25, wherein said RFID communications interface is configured to provide said transponder system PIN and said pre-encrypted transponder system account data where said transponder authentication code matches said decrypted transponder authentication code, and said decrypted RF interrogation signal matches said RF interrogation signal.
- 27. A system according to claim 26, wherein said transponder system further comprises a switch, said switch operable to enable or disable operation of said transponder system.
- 28. A system according to claim 27, wherein said switch is configured to place the transponder system in at least one of a selectivity mode and an inclusivity mode.
- 29. A system according to claim 27, wherein said switch is mechanical.
- 30. A system according to claim 27, wherein said switch is configured to respond to a logic circuit.
- 31. A system according to claim 2, wherein said transponder system further includes an internal power source.
- 32. A system according to claim 31, wherein said switch is in communication with said internal power source, said switch responsive to said internal power source.
- 33. A system according to claim 31, wherein said transponder system further includes a biometric circuit, said biometric circuit in communication with said internal power source.
- 34. A system according to claim 27, wherein said switch is a biometric circuit, said biometric circuit operable to enable or disenable operation of said transponder system.
- 35. A system according to claim 34, wherein said biometric circuit is configured to place said transponder system in one of a selectivity mode and an inclusivity mode.
- 36. A system according to claim 7, wherein said RFID reader includes a RFID PIN keypad, said RFID PIN keypad configured to receive said transponder PIN, said RFID reader configured to compare said transponder PIN to said received transponder PIN, said RFID reader operable to provide at least one of said received transponder PIN, said transponder PIN, or a verification of said received transponder PIN, verification of received transponder PIN provided where said RFID reader matches said transponder PIN to said received transponder PIN.
- 37. A system according to claim 7, wherein said RFID reader is configured to provide said transponder PIN to a payment authorization center for verification of said transponder PIN.
- 38. A system according to claim 36, wherein said merchant system includes a merchant system PIN keypad, said merchant system PIN keypad configured to receive said transponder PIN from said merchant system PIN keypad, said merchant system configured to provide said transponder PIN to said payment authorization center for verification.
- 39. A system according to claim 33, wherein said biometric circuit is configured to provide a biometric data verification response, said biometric circuit configured to provide said biometric data verification response to at least one of said RFID reader and said merchant system, wherein said biometric data verification response is an identification verification data.
- 40. A system according to claim 3, further comprising a personalization system operable to initialize at least one of said transponder system and said RFID reader to transponder-reader payment system parameters.
- 41. A system according to claim 40, wherein said personalization system is in RF communications with said transponder system using at least one of a USB connector and RF communications.
- 42. A system according to claim 41, wherein said personalization system is in electrical communications with said RFID reader.
- 43. A system according to claim 42, wherein said personalization system is operable to populate at least one of said RFID reader identifying data, transponder system decryption security key, RFID encryption security key, and transponder PIN on said RFID database.
- 44. A system according to claim 43, wherein said personalization system is operable to populate at least one of said transponder system identification data, a RFID reader decryption security key, a transponder encryption authentication security key, a transponder system transactional account data, and a transponder system authentication security key onto said transponder system database.
- 45. A system according to claim 2, wherein said RFID reader is operable to initialize said transponder.
- 46. A system according to claim 2, wherein said RFID reader is in RF communication with said transponder system, said RFID reader operable to populate at least one of said transponder system identification data, a RFID reader decryption security key, a transponder system transactional account data onto said transponder system database.
- 47. A transponder-reader payment system comprising:
a transponder system operable to receive a first RF interrogation signal, and authenticate said first RF interrogation signal, said transponder system comprising:
a. a first transponder responsive to said first RF interrogation signal; and b. a second transponder responsive to a second RF interrogation signal, said first RF interrogation signal different from said second RF interrogation signal.
- 48. A system according to claim 47, wherein said transponder system further includes a transponder system USB interface.
- 49. A system according to claim 47, wherein said transponder system further includes a serial interface.
- 50. A transponder-reader payment system comprising
a transponder system operable to receive a first RF interrogation signal, and authenticate said first RF interrogation signal, said transponder system comprising a transponder system USB interface.
- 51. A transponder-reader payment system comprising a RFID reader operable to provide at least a first interrogator for providing a first interrogation signal and a second interrogator for providing a second interrogation signal.
- 52. A method of transponder-reader payment comprising the steps of:
a. providing a transponder system, the transponder system responsive to a plurality of interrogation signals, the transponder system storing at least one of an account data, an account name, and account expiration date; and b. providing a RFID reader, said reader configured to provide at least one of the interrogation signals.
- 53. A method according to claim 52, further comprising the steps of:
a. encrypting the transponder system account data; b. initializing the transponder system; C. initializing the RFID reader; d. mutually authenticating the RFID reader and the transponder system; e. providing the encrypted account data from the transponder system to the RFID reader; f. decrypting the encrypted account data; and g. providing the decrypted account data to a merchant system.
- 54. A method according to claim 53, wherein mutual authenticating includes the RFID reader authenticating the transponder system, and the transponder system authenticating the RFID reader.
- 55. A method according to claim 54, wherein mutual authentication includes:
a. providing an interrogation signal from the RFID reader to the transponder system; b. encrypting the interrogation signal at the transponder system to form an encrypted authentication interrogation signal; c. providing the encrypted authentication interrogation signal to the RFID reader; d. decrypting the encrypted authentication interrogation signal at the RFID reader, decrypting including using a transponder system decryption security key; e. matching the interrogation signal to the decrypted interrogation signal; f. providing an authorization code from the transponder system to the RFID reader; g. encrypting the authorization code at the RFID reader to form an encrypted authorization code; h. providing the encrypted authorization code to the transponder system; i. decrypting the encrypted authorization code at the transponder system, decrypting including using a RFID reader decryption security key; j. matching the authorization code to the decrypted authorization code.
- 56. A method according to 55, where initializing the transponder system includes populating at least one of a transponder system identification data, a RFID reader decryption security key, a transponder system transactional data, and an encrypted transponder PIN onto a transponder system database.
- 57. A method according to claim 56, wherein initializing the RFID reader includes populating at least one of a RFID reader identifying data, a transponder system decryption security key, a RFID encryption security key, and a transponder PIN onto a RFID database.
- 58. A method according to claim 52, wherein initializing the RFID reader includes populating at least one of a RFID reader identifying data, a transponder system decryption security key, a RFID encryption key, and a transponder PIN onto a RFID database using a USB interface.
- 59. A method according to claim 56, wherein initializing the transponder system includes populating at least one of a transponder system identification date, a RFID reader decryption security key, and a transponder system transaction data using a USB interface.
- 60. A method according to claim 52, wherein initialing the transponder system, includes initializing said transponder system using a RFID reader.
- 61. A method according to claim 57, including using a switch to enable the transponder system, the switch consisting of at least one of a mechanical switch, a logic switch, and a biometric switch.
- 62. A method according to claim 61, including providing a secondary identification in response to a request from a merchant system.
RELATED APPLICATIONS
[0001] This invention claims priority to U.S. Provisional Application No. 60/304,216, entitled “SYSTEM AND METHOD FOR RFID PAYMENT,” filed on Jul. 10, 2001 and incorporated herein by reference.
Provisional Applications (1)
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Number |
Date |
Country |
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60304216 |
Jul 2001 |
US |