All-in-one proximity payment device with local authentication

Abstract

A personal powered proximity payment device that can be owned by or issued to an individual user is provided. The device can be a non-ISO card device that includes an internal dual-mode (contact and contactless) chip card coupled to a display and a robust PIN entry or biometric reading means. The device can provide proximity payment functions, and optional proximity payment on/off and local pre-purchase account holder verification functions to individual users.

What is claimed is: 
     
         1 . A proximity payment device comprising:
 a dual-mode chip card, the dual-mode chip card configured to perform either or both of contact or contactless operations;   a radio-frequency (RF) antenna and a proximity payment application disposed on the chip card, the RF antenna and the proximity payment application providing proximity payment functionality;   a proximity payment functionality on-off mechanism;   at least one of a manual PIN code and biometric identifier entry device; and   at least one of a PIN code and biometric identifier authentication program disposed on the chip card, the at least one of the PIN code and biometric identifier authentication program being operatively coupled to the at least one of the manual PIN code and biometric identifier entry device.   
     
     
         2 . The device of  claim 1 , wherein the proximity payment functionality on-off mechanism is a user-operable on-off switch. 
     
     
         3 . The device of  claim 1 , wherein the proximity payment functionality on-off mechanism is responsive to local or internal chip verification of at least one of an entered PIN code and an entered biometric identifier for a payment transaction. 
     
     
         4 . The device of  claim 1 , wherein the dual-mode card is configured to generate a unique one-time use flag in response to successful local or internal chip verification of at least one of an entered PIN code and an entered biometric identifier for a proximity payment transaction. 
     
     
         5 . The device of  claim 1 , further comprising at least one of wired links and wireless links to a merchant's point-of-sale (POS) device, and wherein the device is further configured to send a unsigned verification status indicator in a standard proximity payment message protocol over the links to the POS device. 
     
     
         6 . The device of  claim 1 , further comprising at least one of wired links to a merchant's point-of-sale (POS) device, and wherein the device is further configured to send a digitally signed verification status indicator in a standard proximity payment message protocol over the links to the POS device. 
     
     
         7 . The device of  claim 1 , further comprising a display for communicating transaction information including PIN entry status and verification flags to the device user.