US 2019/0197535 A1 · FLEXIBLE EMV-COMPLIANT IDENTIFICATION TRANSACTION METHOD

Abstract

Identification protocols, such as those developed by EMVCo LLC, ensure worldwide interoperability between POI terminals and chip-based payment applications and devices. These standardized data interactions are very limited, and make the implementation of new functionalities very difficult, and it takes years before the standards are agreed and implemented. An identification transaction method comprising: commencing, by a POI terminal, an EMV-compliant identification transaction with an identification devices; receiving, by the POI terminal, an indication from the identification device that the device may participate in non-EMV compliant identification transactions; responding by either: (a) continuing the EMV-compliant identification transaction with the identification devices if the indication is negative or no indication is received; or (b) commencing and continuing a non-EMV compliant identification transaction with the identification devices if the indication is positive. By implementing such a function selection, new non-EMV compliant functionalities may be quickly added to existing proprietary kernels. By quickly providing new functionalities, the migration to improved ID devices may be accelerated.

Claims16

Dependent claims

An identification transaction method comprising:

providing a POI terminal comprising a processor, the processor being programmed to execute identification transactions with identification devices by interaction in accordance with a standard EMV payment transaction process;
commencing, by the POI terminal, an EMV-compliant identification transaction with one of the identification devices;
receiving, by the POI terminal, an indication from said one of the identification devices that the device may participate in non-EMV compliant identification transactions with the terminal;
responding to said indication by either:
(a) continuing, by the POI terminal, the EMV-compliant identification transaction with said one of the identification devices if the indication is negative or no indication is received;
or
(b) commencing and continuing, by the POI terminal, a non-EMV compliant identification transaction with said one of the identification devices if the indication is positive.

4 more elements

A POI (Point of Interface) terminal comprising a processor, the processor being programmed to execute identification transactions with identification devices by interaction in accordance with a standard EMV payment transaction process;

the processor being further programmed to:
commence an EMV-compliant identification transaction with one of the identification devices;
receive an indication from said one of the identification devices that the device may participate in non-EMV compliant identification transactions with the terminal;
respond to said indication by either:
(a) continuing the EMV-compliant identification transaction with said one of the identification devices if the indication is negative or no indication is received;
or
(b) commencing and continuing a non-EMV compliant identification transaction with said one of the identification devices if the indication is positive.

4 more elements

Dependencies are inferred from the claim text.

Flexible emv-compliant identification transaction method

Life of this patent

Flexible emv-compliant identification transaction method

Life of this patent

Abstract

Claims16