Secure wireless card reader

1. A wireless card reader comprising:

a chip card reader interface including electrical contacts positioned in the wireless card reader to contact contacts of a chip card when the chip card is inserted into the wireless card reader;

circuitry configured to direct signals from the chip card reader interface to one or more processors in the wireless card reader;

a communication component configured to allow the wireless card reader to communicate wirelessly with a mobile computing device; and

the one or more processors in the wireless card reader configured to:

send a code corresponding to the wireless card reader, the code enabling a determination of a first cryptographic key useable by the mobile device, the first cryptographic key corresponding to a second cryptographic key stored on a memory of the wireless card reader;

detect insertion of a chip card at the chip card reader interface;

send, to the mobile computing device, via the communication component, a request to send a personal identification number (PIN) to the wireless card reader;

receive, from the mobile computing device, via the communication component, an encrypted wireless communication including the PIN entered by a user on the mobile computing device, the encrypted wireless communication having been encrypted by the mobile device using the first cryptographic key determined based on the code sent by the wireless card reader;

decrypt the encrypted wireless communication including the PIN using the second cryptographic key stored on the memory of the wireless card reader;

send the PIN for authentication of the PIN;

receive a confirmation that the PIN has been authenticated; and

send, to the mobile computing device, via the communication component, an indication of the confirmation that the PIN has been authenticated.

2. The wireless card reader as recited in claim 1 , the one or more processors in the wireless card reader further configured to:

send, to the chip card, via the chip card reader interface, the PIN for the chip card to perform the authentication of the PIN; and

receive, from the chip card, via the chip card reader interface, the confirmation that the PIN has been authenticated.

3. The wireless card reader as recited in claim 1 , wherein the first cryptographic key is a public cryptographic key determined by the mobile computing device based on the code sent by the wireless card reader.

4. The wireless card reader as recited in claim 3 , wherein the second cryptographic key is a private cryptographic key stored on the memory at the wireless card reader and associated with the code.

5. The wireless card reader as recited in claim 1 , the one or more processors in the wireless card reader further configured to:

encrypt a message for the mobile computing device using a public cryptographic key stored on the wireless card reader to generate an encrypted message; and

send the encrypted message to the mobile computing device in response to receiving the confirmation that the PIN has been authenticated, wherein the public cryptographic key is associated with a private cryptographic key stored on at least one of:

the mobile computing device; or

a server in communication with at least one of the wireless card reader or the mobile computing device.

6. The wireless card reader as recited in claim 1 , the one or more processors in the wireless card reader further configured to:

send a card reader certificate to the mobile computing device, causing, at least in part, the mobile computing device to send the card reader certificate to a server for receiving, from the server, verification of a signature of the card reader certificate.

7. The wireless card reader as recited in claim 1 , wherein the encrypted wireless communication including the PIN includes one or more additional items of information to provide to the chip card to minimize data transfers between the mobile device and the wireless card reader.

8. A method comprising:

sending, by a wireless card reader, a code corresponding to the wireless card reader, the code enabling a determination of a first cryptographic key useable by a mobile device, the first cryptographic key corresponding to a second cryptographic key stored on a memory of the wireless card reader;

detecting, by the wireless card reader, insertion of a chip card at a chip card reader interface including electrical contacts positioned in the wireless card reader to contact contacts of the chip card when inserted into the wireless card reader;

sending, by the wireless card reader, to the mobile computing device, a wireless communication request to send a personal identification number (PIN) to the wireless card reader;

receiving, by the wireless card reader, from the mobile computing device, an encrypted wireless communication including the PIN entered by a user on the mobile computing device, the encrypted wireless communication having been encrypted by the mobile device using the first cryptographic key determined based on the code sent by the wireless card reader;

decrypting the encrypted wireless communication including the PIN using the second cryptographic key stored on the memory of the wireless card reader;

sending, by the wireless card reader, the PIN for authentication of the PIN;

receiving, by the wireless card reader, a confirmation that the PIN has been authenticated; and

sending, by the wireless card reader, to the mobile computing device, via the communication component, an indication of the confirmation that the PIN has been authenticated.

9. The method as recited in claim 8 , further comprising:

sending, by the wireless card reader, to the chip card, via the chip card reader interface, the PIN for the chip card to perform the authentication of the PIN; and

receiving, by the wireless card reader, from the chip card, via the chip card reader interface, the confirmation that the PIN has been authenticated.

10. The method as recited in claim 8 , wherein the first cryptographic key is a public cryptographic key determined by the mobile computing device based on the code sent by the wireless card reader.

11. The method as recited in claim 10 , wherein the second cryptographic key is a private cryptographic key stored on the memory at the wireless card reader and associated with the code.

12. The method as recited in claim 8 , further comprising:

encrypting, by the wireless card reader, a message for the mobile computing device using a public cryptographic key stored on the wireless card reader to generate an encrypted message; and

sending, by the wireless card reader, the encrypted message to the mobile computing device in response to receiving the confirmation that the PIN has been authenticated, wherein a private cryptographic key corresponding to the public cryptographic key is stored on at least one of:

the mobile computing device; or

a server in communication with at least one of the wireless card reader or the mobile computing device.

13. The method as recited in claim 8 , further comprising sending, by the wireless card reader, a card reader certificate to the mobile computing device, causing, at least in part, the mobile computing device to send the card reader certificate to a server for receiving, from the server, verification of a signature of the card reader certificate.

14. The method as recited in claim 8 , wherein the encrypted wireless communication including the PIN includes one or more additional items of information to be provided to the chip card to minimize data transfers between the mobile device and the wireless card reader.

15. A non-transitory computer-readable medium having instructions stored thereon that, when executed by one or more processors of a wireless card reader, cause the wireless card reader to perform operations comprising:

sending, by the wireless card reader, a code corresponding to the wireless card reader, the code enabling a determination of a first cryptographic key useable by the mobile device, the first cryptographic key corresponding to a second cryptographic key stored on a memory of the wireless card reader;

detecting, by the wireless card reader, insertion of a chip card at a chip card reader interface including electrical contacts positioned in the wireless card reader to contact contacts of the chip card when inserted into the wireless card reader;

sending, by the wireless card reader, to a mobile computing device, a wireless communication request to send a personal identification number (PIN) to the wireless card reader;

receiving, by the wireless card reader, from the mobile computing device, an encrypted wireless communication including the PIN entered by a user on the mobile computing device, the encrypted wireless communication having been encrypted by the mobile device using the first cryptographic key determined based on the code sent by the wireless card reader;

decrypting the encrypted wireless communication including the PIN using the second cryptographic key stored on the memory of the wireless card reader;

sending, by the wireless card reader, the PIN for authentication of the PIN;

receiving, by the wireless card reader, a confirmation that the PIN has been authenticated; and

sending, by the wireless card reader, to the mobile computing device, via the communication component, an indication of the confirmation that the PIN has been authenticated.

16. The non-transitory computer-readable medium as recited in claim 15 , the operations further comprising:

sending, by the wireless card reader, to the chip card, via the chip card reader interface, the PIN for the chip card to perform the authentication of the PIN; and

receiving, by the wireless card reader, from the chip card, via the chip card reader interface, the confirmation that the PIN has been authenticated.

17. The non-transitory computer-readable medium as recited in claim 15 , wherein the first cryptographic key is a public cryptographic key determined by the mobile computing device based on the code sent by the wireless card reader.

18. The non-transitory computer-readable medium as recited in claim 17 , wherein the second cryptographic key is a private cryptographic key stored on the memory at the wireless card reader and associated with the code.

19. The non-transitory computer-readable medium as recited in claim 15 , the operations further comprising:

encrypting, by the wireless card reader, a message for the mobile computing device using a public cryptographic key stored at the wireless card reader to generate an encrypted message; and

sending, by the wireless card reader, the encrypted message to the mobile computing device in response to receiving the confirmation that the PIN has been authenticated, wherein a private cryptographic key corresponding to the public cryptographic key is stored on at least one of:

the mobile computing device; or

a server in communication with at least one of the wireless card reader or the mobile computing device.

20. The non-transitory computer-readable medium as recited in claim 15 , wherein the encrypted wireless communication including the PIN includes one or more additional items of information to provide to the chip card to minimize data transfers between the mobile device and the wireless card reader.