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1. WO2017127879 - INDIRECT SECURITY SYSTEM AND METHOD

Note: Text based on automatic Optical Character Recognition processes. Please use the PDF version for legal matters

THE CLAIMS DEFINING THE INVENTION ARE AS FOLLOWS:

1 . Digital transaction apparatus including:

a Data Assistance Device (DAD), including:

a user interface that is operable to at least select data, and

a DAD transmitter;

a Digital Transaction Card (DTC), including:

a Digital Transaction Processing Unit (DTPU), and

a DTC receiver,

wherein the DAD and DTC are operable to transfer data from the DAD to the DTC and when subsequently using the DTC to effect a digital transaction, the DTC operates in accordance with the data selected and transferred from the DAD to the DTC

the DAD being operable to accept at least one first security type, and subsequent to accepting the at least one first security type, the DAD being operable to transmit an indication of acceptance to the DTC,

wherein, subsequent to receiving the indication of acceptance, the DTC is operable to verify at least one digital transaction with at least one second security type.

2. Digital transaction apparatus according to claim 1 , wherein the DAD further includes a receiver and the DTC further includes a transmitter, and as a result, data is transferrable between the DAD and the DTC.

3. Digital transaction apparatus according to either claim 1 or claim 2 wherein the transferred data includes data pertaining to one or more selectable personalities

4. Digital transaction apparatus according to any one of the preceding claims, wherein the selected and transferred data includes one or more instructions.

5. Digital transaction apparatus according to claim 4 wherein the one or more instructions include instructions to change a current personality of the DTC to a personality selected from a plurality of selectable personalities.

6. Digital transaction apparatus according to any one of claims 3 to 5, wherein data pertaining to the plurality of selectable personalities is stored on the DAD, and changing the current personality of the DTC to the selected personality includes:

receiving, by the DAD and by operation of the DAD user interface, the instruction to change the current personality of the DTC to the selected personality;

transmitting, by the DAD transmitter to the DTC receiver, data related to the selected personality; and

implementing, in the DTC, a change from the current personality to the selected personality in accordance with the data such that when the DTC operates with a digital transaction device to effect the digital transaction, the digital transaction device recognises the selected personality.

7. Digital transaction apparatus according to any one of claims 3 to 6, wherein data related to the plurality of selectable personalities is stored on the DTC, and changing the current personality of the DTC to the selected personality includes:

receiving, by the DAD, and by operation of the DAD user interface, the instruction to change the current personality of the DTC to the selected personality;

transmitting, by the DAD transmitter to the DTC receiver, the instruction to change the current personality of the DTC to the selected personality; and

implementing, in the DTC, a change from the current personality to the selected personality in accordance with the instruction such that when the DTC operates with a digital transaction device to effect the digital transaction, the digital transaction device recognises the selected personality.

8. Digital transaction apparatus according to any one of the preceding claims, wherein the DTC includes a user interface.

9. Digital transaction apparatus according to any one of claims 3 to 8, wherein the selected data transferred from the DAD to the DTC including data pertaining to the plurality of selectable personalities and stored on the DTC are individually selectable by operation of the DTC user interface..

10. Digital transaction apparatus according to claim 9 wherein changing a current personality of the DTC to the selected personality includes:

receiving, by operation of the DTC user interface, one or more instructions to change the current personality of the DTC to the selected personality; and

implementing, in the DTC, a change from the current personality to the selected personality in accordance with the one or more instructions such that when the DTC operates with a digital transaction device to effect the digital transaction, the digital transaction device recognises the selected personality.

1 1. Digital transaction apparatus according to any one of claims 8 to 10, wherein the DTC scroll keys enable user selection of a personality from the plurality of personalities and the display indicates the selectable personality.

12. Digital transaction apparatus according to any one of the preceding claims, wherein the DTC includes a DTC external processor for receiving and storing transferred data.

13. Digital transaction apparatus according to any one of the claims 1 to 12 , wherein the DTC includes a display for displaying information.

14. Digital transaction apparatus according to any one of the preceding claims, wherein the DTPU is an EMV device operating in accordance with firmware wherein the firmware has been modified to enable the EMV device to receive and execute an expanded set of commands that, when executed, allows the writing of data to a secure memory element of the EMV device.

15. Digital transaction apparatus according to any one of claims 1 to 13, wherein the DTPU is an EMV device including a software module having instruction code which, when executed, causes the EMV device to receive and execute commands according to the Global Platform Standard Command set including commands to install an Applet displaying a credit card personality.

16. Digital transaction apparatus according to either claim 14 or claim 15, wherein a digital transaction device interfaces with the EMV device by physical connection with contact terminals of the EMV device, or by contactless connection (ISO 14443 Standard), or by interaction between a magnetic stripe reader associated with the digital transaction device and a magnetic stripe of the DTC.

17. Digital transaction apparatus according to claim 16, wherein the DTC is a wearable device including a watch, a wrist band, a ring or an item of jewellery.

18. Digital transaction apparatus according to either claim 16 or claim 17, wherein the digital transaction device is any one or more of a POS/EFTPOS terminal, an ATM, an internet connected computer or a personal computer.

19. Digital transaction apparatus according to any one of claims 3 to 18, wherein the personality is any one or more of:

a credit card;

a debit card;

a bank account;

a store card;

a passport;

an identity card;

an age verification card;

a closed loop store card;

a loyalty card;

a library card;

a public transport card;

a government agency card;

a driver's licence, or

any other card or document for the purpose of identifying an owner of the card or document.

20. Digital transaction apparatus according to any one of the preceding claims, wherein the DAD is any one or more of:

a smartphone;

a computer tablet;

a laptop;

a personal computer (PC);

a wearable device including a smart watch;

a FOB device; or

any other processing device including a user interface and operable to transmit instructions to a DTC.

21. A Data Assistance Device (DAD) including:

a user interface that is operable to at least select data; and

a DAD transmitter that is operable to transfer data from the DAD to a receiver associated with a Digital Transaction Card (DTC),

wherein the data that is selected and transferred to the DTC causes the DTC to operate in accordance with the selected data when the DTC is subsequently used to effect a digital transaction,

the DAD being operable to accept at least one first security type, and subsequent to accepting the at least one first security type, the DAD being operable to transmit an indication of acceptance to the DTC,

wherein, subsequent to receiving the indication of acceptance, the DTC is operable to verify at least one digital transaction with at least one second security type.

22. A DAD according to claim 21 wherein the DAD further includes a receiver.

23. A Digital Transaction Card (DTC) including:

a Digital Transaction Processing Unit (DTPU); and

a DTC receiver that is operable to receive user-selected data from a transmitter associated with a Data Assistance Device (DAD),

wherein the user-selected data that is received causes the DTC to operate in accordance with the user-selected data when the DTC is subsequently used to effect a digital transaction,

the DAD being operable to accept at least one first security type, and subsequent to accepting the at least one first security type, the DAD being operable to transmit an indication of acceptance to the DTC,

wherein, subsequent to receiving the indication of acceptance, the DTC is operable to verify at least one digital transaction with at least one second security type.

24. A digital transaction apparatus according to claim 23 wherein the DTC further includes a transmitter.

25. A digital transaction method including:

selecting data, by a user interface of a Data Assistance Device (DAD);

transferring the selected data by a DAD transmitter associated with the DAD to a receiver associated with a Digital Transaction Card (DTC) having a Digital Transaction Processing Unit (DTPU); and

effecting, by the DTC, a digital transaction wherein the DTC operates in accordance with the data selected and transferred from the DAD to the DTC,

the DAD being operable to accept at least one first security type, and subsequent to accepting the at least one first security type, the DAD being operable to transmit an indication of acceptance to the DTC,

wherein, subsequent to receiving the indication of acceptance, the DTC is operable to verify at least one digital transaction with at least one second security type,

the method further including, operating the DAD to enter at least one first security type.

26. A digital transaction method according to claim 25, wherein the selected and transferred data includes one or more instructions.

27. A digital transaction method according to claim 26, wherein the selected and transferred data pertains to a plurality of selectable personalities and changing the current personality of the DTC to a selected personality includes:

receiving, by the DAD and by operation of the DAD user interface, an instruction to change the current personality of the DTC to the selected personality;

transmitting, by the DAD transmitter to the DTC receiver, data pertaining to the selected personality; and

implementing, in the DTC, a transferred change from the current personality to the selected personality in accordance with the data such that when the DTC operates with a digital transaction device to effect a digital transaction, the digital transaction device recognises the selected personality.

28. A digital transaction method according to claim 25, wherein the DTC includes a user interface including enter and scroll keys and data that is selected and transferred to the DTC pertains to a plurality of selectable personalities, the method further including:

selecting, by the DTC user interface, a personality of the plurality of selectable personalities and causing the DTC to subsequently adopt the selected personality.

29. A digital transaction method according to claim 28, wherein changing a current personality of the DTC to the selected personality includes:

receiving, by operation of the DTC user interface, one or more instructions to change the current personality of the DTC to the selected personality; and

implementing, in the DTC, a change from the current personality to the selected personality in accordance with the one or more instructions such that when the DTC operates with a digital transaction device to effect the digital transaction, the digital transaction device recognises the selected personality.

30. A digital transaction method according to any one of claims 26 to 29, wherein the DTPU is an EMV device and implementing the change from the current personality to the selected personality includes writing the data pertaining to the selected personality to a secure memory element of the EMV device such that when an EMV device is activated, the EMV device reads the data in the secure memory element thereby causing the DTC to adopt the selected personality.

31. A digital transaction method according to any one of claims 26 to 29, wherein the DTPU is an EMV device including a software module having instruction code, the method further including executing the instruction code which causes the EMV device to receive and execute Global Platform Standard Commands that cause the EMV device to implement the change from the current personality to the selected personality.

32. A method of operating a Data Assistance Device (DAD), including:

selecting data, by a user interface of the DAD, and

transferring the selected data, by a DAD transmitter associated with the DAD to a receiver associated with a Digital Transaction Card (DTC) having a Digital Processing Unit (DTPU);

wherein the DTC operates in accordance with the selected and transferred data when the DTC is subsequently used to effect a digital transaction,

the DAD being operable to accept at least one first security type, and subsequent to accepting the at least one first security type, the DAD being operable to transmit an indication of acceptance to the DTC,

wherein, subsequent to receiving the indication of acceptance, the DTC is operable to verify at least one digital transaction with at least one second security type,

the method further including, operating the DAD to enter at least one first security type.

33. A method of operating a Digital Transaction Card (DTC), including:

receiving, from a Data Assistance Device (DAD), data including user-selected data;

effecting, by the DTC, a digital transaction wherein the DTC operates in accordance with the user-selected data,

the DAD being operable to accept at least one first security type, and subsequent to accepting the at least one first security type, the DAD being operable to transmit an indication of acceptance to the DTC,

wherein, subsequent to receiving the indication of acceptance, the DTC is operable to verify at least one digital transaction with at least one second security type,

the method further including, operating the DAD to enter at least one first security type.

34. A method according to claim 33, further including:

receiving, by the DTC, one or more applets containing data and/or instructions defining at least one personality enabling the DTC to effect the digital transaction with the at least one personality.

35. A computer-readable medium storing one or more instructions that, when executed by one or more processors associated with a Data Assistance Device (DAD), cause the one or more processors to:

select data, by a user interface of the DAD; and

transfer the selected data, by a DAD transmitter to a receiver associated with a Digital Transaction Card (DTC) having a Digital Transaction Processing Unit (DTPU);

wherein the DTC operates in accordance with the selected and transferred data when the DTC is subsequently used to effect a digital transaction,

wherein the one or more instructions cause the DAD to accept at least one first security type, and subsequent to accepting the at least one first security type, causes the DAD to transmit an indication of acceptance to the DTC,

wherein, subsequent to receiving the indication of acceptance, the DTC verifies at least one digital transaction with at least one second security type.

36. A computer-readable medium storing one or more instructions that, when executed by one or more processors associated with a Digital Transaction Card (DTC), cause the one or more processors to:

receive user selected data, from a Data Assistance Device (DAD); and

subsequently effect a digital transaction wherein the DTC operates in accordance with the user-selected data

wherein the one or more instructions cause the DTC to receive from the DAD acceptance of at least one first security type, and

subsequent to the DTC receiving acceptance from the DAD of the at least one first security type, the DTC verifies at least one digital transaction with at least one second security type.

37. A computer-readable medium according to claim 36, wherein the instruction further causes the one or more processors to:

receive one or more applets containing data and/or instructions defining at least one personality enabling the DTC to effect a transaction with the at least one personality.

38. A method including:

receiving, from an issuing authority, a DTC configured to operate in accordance with any one of claims 1 to 19 and claims 22 to 23.

39. A method including:

issuing, by an issuing authority, a DTC configured to operate in accordance with any one of claims 1 to 19 and claims 22 to 23.

40. A method including:

receiving, from an issuing authority, a DTC configured to operate in accordance with the method of any one of claims 25 to 31 and claims 33 to 34.

41. A method including:

issuing, by an issuing authority, a DTC configured to operate in accordance with the method of any one of claims 25 to 31 and claims 33 to 34.

42. A method including:

issuing, by an issuing authority, operating code, including software and/or firmware, to a Data Assistance Device (DAD) and/or a Digital Transaction Card (DTC) to enable the DAD and/or DTC to operate in accordance with any one of claims 1 to 24.

43. A method including:

issuing, by an issuing authority, operating code, including software and/or firmware, to a Data Assistance Device (DAD) and/or a Digital Transaction Card (DTC) to enable the DAD and/or DTC to operate in accordance with the method of any one of claims 25 to 34.

44. Digital transaction apparatus operable to perform a digital transaction with at least one digital transaction device, the digital transaction apparatus including:

a Digital Transaction Card (DTC), including a Digital Transaction Processing Unit (DTPU), and, a DTC transceiver, the apparatus further including:

a Data Assistance Device (DAD), including, a user interface, and, a DAD transceiver, the DAD operable to accept at least one first security type, and subsequent to accepting the at least one first security type, the DAD operable to transmit an indication of acceptance to the DTC,

wherein, subsequent to receiving the indication of acceptance, the DTC is operable to verify at least one digital transaction with at least one second security type

45. A method for operating a digital transaction apparatus, the digital transaction apparatus operable to perform a digital transaction with at least one digital transaction device, the digital transaction apparatus including:

a Digital Transaction Card (DTC), including, a Digital Transaction Processing Unit (DTPU), and, a DTC transceiver, the apparatus further including:

a Data Assistance Device (DAD), including, a user interface, and, a DAD transceiver, the DAD operable to accept at least one first security type, and subsequent to accepting the at least one first security type, the DAD operable to transmit an indication of acceptance to the DTC,

wherein, subsequent to receiving the indication of acceptance, the DTC is operable to verify at least one digital transaction with at least one second security type,

the method including, operating the DAD to enter at least one first security type.

46. A method for operating a digital transaction apparatus, the digital transaction apparatus operable to perform a digital transaction with at least one digital transaction device, the digital transaction apparatus including:

a Digital Transaction Card (DTC), including, a Digital Transaction Processing Unit (DTPU), and, a DTC transceiver, the apparatus further including:

a Data Assistance Device (DAD), including, a user interface, and, a DAD transceiver, the DAD operable to accept at least one first security type, and subsequent to accepting the at least one first security type, the DAD operable to transmit an indication of acceptance to the DTC,

wherein, subsequent to receiving the indication of acceptance, the DTC is operable to verify at least one digital transaction with at least one second security type,

the method including, operating the DAD to send an indication of acceptance to the

DTC.

47. A method for operating a digital transaction apparatus, the digital transaction apparatus operable to perform a digital transaction with at least one digital transaction device, the digital transaction apparatus including:

a Digital Transaction Card (DTC), including, a Digital Transaction Processing Unit (DTPU), and, a DTC transceiver, the apparatus further including:

a Data Assistance Device (DAD), including, a user interface, and, a DAD transceiver, the DAD operable to accept at least one first security type, and subsequent to accepting the at least one first security type, the DAD operable to transmit an indication of acceptance to the DTC,

wherein, subsequent to receiving the indication of acceptance, the DTC is operable to verify at least one digital transaction with at least one second security type,

the method including, operating the DTC to verify at least one digital transaction with at least one second security type.