System and device for facilitating a wireless transaction by consolidating SIM, personal token, and associated applications
View Patent ↗The invention relates generally to a smart card device that is configured to facilitate wireless network access and credential verification. The device combines the features of the SIM with Common Access Card or Personal Identity Verification card features to allow a network subscriber to invoke secure payment transactions over a carrier's network. The system includes data storage for maintaining a plurality of network and transaction instrument profiles and a profile gateway for receiving transaction information from a payment gateway, sending an authorization request to a user's mobile device, receiving a transaction authorization from the mobile device, and sending transaction information to a payment gateway to finalize the payment transaction. The system further includes a protocol element that facilitates communication between the device and a transceiver for wireless communication between a mobile device and a computing system.
1. A smart card device for providing wireless network and secure personal token features to a cellular communication device, said smart card device comprising:
a protocol element for providing an interface between a transceiver of said cellular communication device and said smart card device, wherein said transceiver establishes a connection between said cellular communication device and a computing system by way of a wireless network;
a memory element, in communication with said protocol element, for storing at least one of: a network profile, an identity profile, or a transaction instrument profile;
a processor element in communication with said protocol element and said memory element, wherein said processor element is configured to receive a selection of at least one of: said network profile, said identity profile, or said transaction instrument profile; and facilitate a transaction using a parameter stored within at least one of: said network profile, said identity profile, or said transaction instrument profile;
a validation element for validating a user credential, wherein said user credential is provided to an interface of said cellular communication device in response to a credential prompt, and wherein said validation is based on said user credential and said identity credential;
an interface element for presenting a transaction instrument prompt at said cellular communication device, wherein said transaction instrument prompt is in response to said validating; and
a sending element for sending an authorization response to said protocol element, wherein said authorization response is constructed based on a prompt response and said transaction account credential, and wherein said cellular communication device processor sends said authorization response to said network;
wherein the cellular communication device includes a Network Access and Credential Verification (NACV) module in communication with the memory element and with a server in the wireless network, and
wherein the NACV module functions as a transaction instrument reader and includes a transaction manager for providing an interface for entry of a personal identification number (PIN) and payment authorization.
2. The smart card device of claim 1 , wherein said network profile includes at least one of: a network identifier or a subscriber identifier.
3. The smart card device of claim 1 , wherein said identity profile includes at least one of: a user identifier or a verification credential.
4. The smart card device of claim 1 , wherein said transaction instrument includes at least one of: a user identifier, a verification identifier, or an account identifier.
5. The smart card device of claim 1 , further comprising:
a receiving element for receiving an authorization request from a cellular communication device processor, wherein said cellular communication device processor receives said authorization request by way of a said protocol element; and wherein the interface element is further configured for presenting a credential prompt at said communication device, wherein said credential prompt is in response to said receiving said authorization request.
6. The smart card device of claim 1 , wherein said protocol element provides said interface by way of a Single-Wire Protocol (SWP).