Smart device system and method of use

Abstract

A smart device is provided between a transaction terminal (e.g. an access device, a point of sale terminal) and a payment card to facilitate a secure transaction. The smart device receives transaction details from the transaction terminal. The transaction terminal suspends the transaction. The smart device is brought in communication with a payment device in control of the user (e.g. the user of the payment device does not hand over the payment device to a merchant, clerk, waitstaff). The smart device receives a cryptogram identifying an account from the payment device and transmits the cryptogram to the transaction terminal. The transaction terminal resumes the transaction, generates a transaction authorization request message including the cryptogram, and transmits the transaction authorization request message to an issuer of the account. The transaction terminal receives an authorization response message from the issuer, and notifies the smart device of the transaction being approved or declined.

What is claimed is: 
     
         1 . A method comprising:
 transmitting, by an access device to a smart device, a first message including data associated with a transaction;   logging, by the access device, the transaction in a transaction log;   suspending, by the access device, the transaction;   receiving, by the access device from the smart device, a second message including a command to resume the transaction;   retrieving, by the access device, the transaction from the transaction log;   receiving, by the access device from the smart device, a cryptogram;   generating, by the access device, a transaction authorization request message including the cryptogram and the data associated with the transaction;   transmitting, by the access device, the transaction authorization request message to an authorizing computer; and   receiving, by the access device from the authorizing computer, a transaction authorization response message authorizing or declining the transaction.   
     
     
         2 . The method of  claim 1 , further comprising:
 transmitting, by the access device to the smart device, an indicator indicating the transaction being authorized or declined based on a content of the transaction authorization response message.   
     
     
         3 . The method of  claim 1 , further comprising:
 receiving, by the access device from the smart device, an initial communication via near field communication prior to transmitting the first message including the data associated with the transaction to the smart device,   wherein the access device transmits the data associated with the transaction to the smart device and receives the cryptogram from the smart device via the near field communication.   
     
     
         4 . The method of  claim 1 , wherein the access device transmits the first message including the data associated with the transaction to the smart device and receives the cryptogram from the smart device via a wireless connection. 
     
     
         5 . The method of  claim 1 , wherein the access device transmits the first message including the data associated with the transaction to the smart device and receives the cryptogram from the smart device via near field communication. 
     
     
         6 . The method of  claim 1 , wherein the smart device is transported from a first position proximate to the access device to a second position proximate to a payment device. 
     
     
         7 . The method of  claim 1 , wherein the access device and a payment device communicate with each other only through the smart device. 
     
     
         8 . An access device comprising:
 a processor; and   a non-transitory computer readable medium, the non-transitory computer readable medium comprising code, executable by the processor, for implementing the methods comprising:   transmitting, to a smart device, a first message including data associated with a transaction;   logging the transaction in a transaction log;   suspending the transaction;   receiving, from the smart device, a second message including a command to resume the transaction;   retrieving the transaction from the transaction log;   receiving, from the smart device, a cryptogram;   generating a transaction authorization request message including the cryptogram and the data associated with the transaction;   transmitting the transaction authorization request message to an authorizing computer; and   receiving, from the authorizing computer, a transaction authorization response message authorizing or declining the transaction.   
     
     
         9 . The access device of  claim 8 , wherein the code, executable by the processor, implements the method further comprising:
 transmitting, to the smart device, an indicator indicating the transaction being authorized or declined based on a content of the transaction authorization response message.   
     
     
         10 . The access device of  claim 8 , wherein the code, executable by the processor, implements the method further comprising:
 receiving, from the smart device, an initial communication via near field communication prior to transmitting the first message including the data associated with the transaction to the smart device,   wherein the access device transmits the data associated with the transaction to the smart device and receives the cryptogram from the smart device via the near field communication.   
     
     
         11 . The access device of  claim 8 , wherein the access device transmits the first message including the data associated with the transaction to the smart device and receives the cryptogram from the smart device via one of a near field communication or a wireless connection. 
     
     
         12 . The access device of  claim 8 , wherein the access device is associated with a resource provider, and wherein the transaction is between the resource provider and a user of a payment device. 
     
     
         13 . The access device of  claim 12 , wherein the smart device is transported from a first position proximate to the access device to a second position proximate to the payment device. 
     
     
         14 . The access device of  claim 12 , wherein the access device is configured to communicate with the payment device only through the smart device. 
     
     
         15 . A method comprising:
 receiving, at a smart device, first interaction data from an access device in a first message;   temporarily storing, by the smart device, the first interaction data while waiting for an interaction with a portable device;   providing, by the smart device, the first interaction data to the portable device, after the portable device interacts with the smart device;   receiving, by the smart device, second interaction data from the portable device in a second message, the second interaction data including a cryptogram encoding the first interaction data;   providing, by the smart device, the second interaction data to the access device, wherein the access device generates and transmits an authorization request message to a transaction processing computer for authorization of a transaction,   wherein the first message and the second message are part of a set of messages used by the access device complete the transaction.   
     
     
         16 . The method of  claim 15 , wherein the first interaction data comprises values generated by the access device. 
     
     
         17 . The method of  claim 15 , wherein the smart device is in the form of a smart device, the smart device shaped such that the smart device is independently structured from any portion of the access device. 
     
     
         18 . The method of  claim 15 , wherein the smart device is moved away from the portable device and towards the access device. 
     
     
         19 . The method of  claim 15 , wherein the second interaction data is wirelessly transmitted from the smart device to the access device. 
     
     
         20 . The method of  claim 15 , further comprising:
 emitting a signal indicating whether the transaction has been approved or declined in response to receiving a notification from the access device.