(110 {-112
US008706556B2
(12) United States Patent
(10) Patent N0.: (45) Date of Patent:
Mestré et al.
(56)
(54)
METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE
(75)
Inventors: Patrick Mestré, Namur (BE); Cristian
US 8,706,556 B2 Apr. 22, 2014
References Cited U.S. PATENT DOCUMENTS 4,851,644 A 5,850,218 A
Radu, Beauvechain (BE); Patrik Smets,
Nijlen (BE); Simon Phillips, York (GB); Ronald D. Carter, Barrington (GB)
7,349,871 B2 *
3/2008
8,256,666 B2 *
9/2012 Dixon et a1.
8,286,875 B2 *
(73) Assignee: Mastercard International Incorporated, Purchase, NY (U S) Notice:
Subject to any disclaimer, the term of this patent is extended or adjusted under 35
U.S.C. 154(b) by 347 days.
(21) App1.No.: 12/915,603
7/1989 Oslin l2/l998 LaJOie et a1.
2004/0230535 2005/0119978 2006/0122902 2007/0010330 2008/0010192 2008/0082452 2008/0165006 2009/0192937 2010/0248779
10/2012
Labrou et al. ............ .. 705/26.35
235/380
Tang et a1. .................. .. 235/449
A1 11/2004 Binder et a1. A1 6/2005 Ates A1 6/2006 Petrov et a1. A1 l/2007 Cooper et al. A1* 1/2008 Rackley, III et a1. ......... .. 705/39 A1 4/2008 Wankmueller et a1. A1 7/2008 Phillips A1 7/2009 Grif?n et a1. A1 9/2010 Phillips et a1.
* cited by examiner
(22)
Filed:
Oct. 29, 2010
(65)
Primary Examiner * Garcia Ade
Prior Publication Data
US 2011/0112920 A1
(74) Attorney, Agent, or Firm * Buckley, Maschoff & Talwalkar LLC
May 12, 2011
Related US. Application Data
(60) (51)
Provisional application No. 61/258,759, ?led on Nov.
(57)
6, 2009.
A payment-enabled mobile device such as a “smart phone”
incorporates risk management features that are applicable to
Int. Cl.
may govern When veri?cation of the cardholder’s identity is required for consummation of the current transaction. The features may be con?gurable by the payment card account
US. Cl. USPC
(58)
its use in contactless payment transactions. Some features
(2012.01) (2012.01)
G06Q 20/00 G06Q 40/00
(52)
ABSTRACT
............................................. .. 705/17; 705/39
issuer and/or the user of the mobile device.
Field of Classi?cation Search USPC
.......................................................... .. 705/ 17
See application ?le for complete search history.
( ACQUIRER
21 Claims, 25 Drawing Sheets
108
(110 PAYMENT SYSTEM
{-112 ISSUER
US. Patent
Apr. 22, 2014
Sheet 1 0f 25
US 8,706,556 B2
US. Patent
Apr. 22, 2014
Sheet 2 0f 25
f. 106 POS TERMINAL
f. 106 POS TERMINAL
r 104 RF PROXIMITY READER
FIG. 3
US 8,706,556 B2
US. Patent
‘Apr.22,2014
US 8,706,556 B2
Sheet30f25
_ _ _
_
_émo.zégmoal
_
n u
km k}; | | |wlanx_/E25|m _ _
L E _ _
u5%X526:2:2;58205 ? w
_ _
u “Pg 81 3we
u |_ 7.5 §\ _f5 w:
EOE:
@1052
_ _
I1JlF
N2 ,
US. Patent
Apr. 22, 2014
US 8,706,556 B2
Sheet 4 0f 25
[- 508
USER INTERFACE
f-sos MIDLET
f_502 PAYMENT APPLICATION _/ 506
FLAGS
FIG. 5
US. Patent
Apr. 22, 2014
US 8,706,556 B2
Sheet 6 0f 25
wow
gm
is“5%
L
zmo<mz L3
ELso
6%
La;
2asQ;A2m5i8?5g%og%
.QE m
LEL
LN2
125@8ng
wzog s
E?
US. Patent
Apr. 22, 2014
Sheet 7 0f 25
US 8,706,556 B2
112
F 706 INPUT DEVICE
T 701 COMMUNICATION DEVICE
f. 700 PROCESSOR
V 71 () -\
TRANSACTION
HANDLING 712—\
PAYMENT APP. CONFIGURATION
714—\
MOBILE DEVICE PERSONALIZATION
716“\( \_// DATABASE(S) FIG. 7
F 708 OUTPUT DEVICE
US. Patent
Apr. 22, 2014
Sheet 8 0f 25
US 8,706,556 B2
(/412 PERSONAUZAHON CHANNEL
ISSUER SERVER 802
FIG. 8
US. Patent
Apr. 22, 2014
Sheet 9 0f 25
902
(- 904 N0
YES
US 8,706,556 B2
SECOND TAP PROCESSING
r 906
STORE TRANSACHON CONTEXT
LOW $
908
TRANSACHON?
? r910 CONSUMMATE
(12) United States Patent
(10) Patent N0.: (45) Date of Patent:
Mestré et al.
(56)
(54)
METHODS FOR RISK MANAGEMENT IN PAYMENT-ENABLED MOBILE DEVICE
(75)
Inventors: Patrick Mestré, Namur (BE); Cristian
US 8,706,556 B2 Apr. 22, 2014
References Cited U.S. PATENT DOCUMENTS 4,851,644 A 5,850,218 A
Radu, Beauvechain (BE); Patrik Smets,
Nijlen (BE); Simon Phillips, York (GB); Ronald D. Carter, Barrington (GB)
7,349,871 B2 *
3/2008
8,256,666 B2 *
9/2012 Dixon et a1.
8,286,875 B2 *
(73) Assignee: Mastercard International Incorporated, Purchase, NY (U S) Notice:
Subject to any disclaimer, the term of this patent is extended or adjusted under 35
U.S.C. 154(b) by 347 days.
(21) App1.No.: 12/915,603
7/1989 Oslin l2/l998 LaJOie et a1.
2004/0230535 2005/0119978 2006/0122902 2007/0010330 2008/0010192 2008/0082452 2008/0165006 2009/0192937 2010/0248779
10/2012
Labrou et al. ............ .. 705/26.35
235/380
Tang et a1. .................. .. 235/449
A1 11/2004 Binder et a1. A1 6/2005 Ates A1 6/2006 Petrov et a1. A1 l/2007 Cooper et al. A1* 1/2008 Rackley, III et a1. ......... .. 705/39 A1 4/2008 Wankmueller et a1. A1 7/2008 Phillips A1 7/2009 Grif?n et a1. A1 9/2010 Phillips et a1.
* cited by examiner
(22)
Filed:
Oct. 29, 2010
(65)
Primary Examiner * Garcia Ade
Prior Publication Data
US 2011/0112920 A1
(74) Attorney, Agent, or Firm * Buckley, Maschoff & Talwalkar LLC
May 12, 2011
Related US. Application Data
(60) (51)
Provisional application No. 61/258,759, ?led on Nov.
(57)
6, 2009.
A payment-enabled mobile device such as a “smart phone”
incorporates risk management features that are applicable to
Int. Cl.
may govern When veri?cation of the cardholder’s identity is required for consummation of the current transaction. The features may be con?gurable by the payment card account
US. Cl. USPC
(58)
its use in contactless payment transactions. Some features
(2012.01) (2012.01)
G06Q 20/00 G06Q 40/00
(52)
ABSTRACT
............................................. .. 705/17; 705/39
issuer and/or the user of the mobile device.
Field of Classi?cation Search USPC
.......................................................... .. 705/ 17
See application ?le for complete search history.
( ACQUIRER
21 Claims, 25 Drawing Sheets
108
(110 PAYMENT SYSTEM
{-112 ISSUER
US. Patent
Apr. 22, 2014
Sheet 1 0f 25
US 8,706,556 B2
US. Patent
Apr. 22, 2014
Sheet 2 0f 25
f. 106 POS TERMINAL
f. 106 POS TERMINAL
r 104 RF PROXIMITY READER
FIG. 3
US 8,706,556 B2
US. Patent
‘Apr.22,2014
US 8,706,556 B2
Sheet30f25
_ _ _
_
_émo.zégmoal
_
n u
km k}; | | |wlanx_/E25|m _ _
L E _ _
u5%X526:2:2;58205 ? w
_ _
u “Pg 81 3we
u |_ 7.5 §\ _f5 w:
EOE:
@1052
_ _
I1JlF
N2 ,
US. Patent
Apr. 22, 2014
US 8,706,556 B2
Sheet 4 0f 25
[- 508
USER INTERFACE
f-sos MIDLET
f_502 PAYMENT APPLICATION _/ 506
FLAGS
FIG. 5
US. Patent
Apr. 22, 2014
US 8,706,556 B2
Sheet 6 0f 25
wow
gm
is“5%
L
zmo<mz L3
ELso
6%
La;
2asQ;A2m5i8?5g%og%
.QE m
LEL
LN2
125@8ng
wzog s
E?
US. Patent
Apr. 22, 2014
Sheet 7 0f 25
US 8,706,556 B2
112
F 706 INPUT DEVICE
T 701 COMMUNICATION DEVICE
f. 700 PROCESSOR
V 71 () -\
TRANSACTION
HANDLING 712—\
PAYMENT APP. CONFIGURATION
714—\
MOBILE DEVICE PERSONALIZATION
716“\( \_// DATABASE(S) FIG. 7
F 708 OUTPUT DEVICE
US. Patent
Apr. 22, 2014
Sheet 8 0f 25
US 8,706,556 B2
(/412 PERSONAUZAHON CHANNEL
ISSUER SERVER 802
FIG. 8
US. Patent
Apr. 22, 2014
Sheet 9 0f 25
902
(- 904 N0
YES
US 8,706,556 B2
SECOND TAP PROCESSING
r 906
STORE TRANSACHON CONTEXT
LOW $
908
TRANSACHON?
? r910 CONSUMMATE
