Two step near field communication transactions

• US 10,395,238 B2
• Filed: 01/31/2017
• Issued: 08/27/2019
• Est. Priority Date: 01/30/2008
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Griffin, Kent, Stone, Carl B.
• Primary Examiner(s): King, Joseph W.
• Application Number:
  US15/421,307
• Publication Number:
  US 20170140368A1
• Time in Patent Office: 938 Days
• Field of Search: None
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 17/32 for games, toys, sports, or amusements
• CPC Class Codes: H04B 5/00 Near-field transmission systems, e.g. inductive or capacitive transmission systems
• CPC Class Codes: H04L 63/06 for supporting key management in a packet data network cryptographic mechanisms or cryptographic arrangements for key management H04L9/08
• CPC Class Codes: H04L 67/04 specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 4/50 : Service provisioning or reconfiguring
• CPC Class Codes: H04W 4/80 : Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

A two step method for transferring money from a sender to a recipient includes entering information relating to the transfer into a near field communication (NFC) enabled device of the sender. The device is then placed in contact with or close proximity to a recipient'"'"'s device a first time, causing the sender'"'"'s device to establish an NFC link between the two devices and to gather information relating to the recipient via the NFC link. The sender'"'"'s device is then placed in contact with or close proximity to the recipient'"'"'s device a second time, causing it to transmit the information relating to the transfer and the recipient to a third party service provider via another network, e.g., the Internet, thereby causing the service provider to transfer the money from an account of the sender to an account of the recipient.

Claims

1. A method comprising:

detecting, by a first device, that a second device is within a proximity of the first device at a first time period through a first near field communication (NFC) link between the first device and the second device;

in response to the detecting during the first time period, activating an application on the first device, wherein the application displays a selectable option to process a monetary transfer to the second device;

in response to a selection of the selectable option, establishing a data connection between the first device and the second device through the first NFC link;

retrieving, by the first device, payment information corresponding to the second device through the data connection during the first time period;

further in response to the selection of the selectable option, generating, by the first device, a monetary transfer request for the monetary transfer from a first account associated with the first device to a second account associated with the second device based on the selectable option and the payment information;

detecting, by the first device, that the second device is again within the proximity of the first device at a second time period through a second NFC link, wherein the second time period occurs after completion of the first time period; and

in response to the first device detecting the second device through the second NFC link, transmitting the monetary transfer request by the first device to a payment provider to cause the payment provider to process the monetary transfer request.

2. The method of claim 1, wherein the data connection comprises one of a Bluetooth connection, a wireless connection, or a NFC connection.

3. The method of claim 1, wherein the monetary transfer request is transmitted at the second time period.

4. The method of claim 1, wherein the detecting that the first device is within the proximity of the second device at the first time period comprises detecting an NFC tap by the first device with the second device.

5. The method of claim 1, wherein the payment information includes identification information corresponding to the second account associated with the second device.

6. The method of claim 1, further comprising transmitting transfer information detailing an amount corresponding to the monetary transfer request to the payment provider.

7. The method of claim 1, further comprising receiving a message confirming that the monetary transfer request has been processed.

8. A first device comprising:

a non-transitory memory storing instructions; and

one or more hardware processors coupled to the non-transitory memory and configured to read the instructions to cause the first device to perform operations comprising;

detecting, by the first device, that a second device is within a proximity of the first device at a first time period through a first near field communication (NFC) link with the second device;

in response to the detecting during the first time period, activating an application on the first device, wherein the application displays a selectable option to process a monetary transfer to the second device;

in response to a selection of the selectable option, establishing, by the first device, a data connection with the second device through the first NFC link;

retrieving, by the first device, payment information corresponding to the second device through the data connection during the first time period;

further in response to the selection of the selectable option, generating, by the first device, a monetary transfer request for the monetary transfer from a first account associated with the first device to a second account associated with the second device based on the selectable option and the payment information;

detecting, by the first device, that the second device is again within the proximity of the first device at a second time period through a second NFC link, wherein the second time period occurs after completion of the first time period; and

in response to the first device detecting the second device through the second NFC link, transmitting the monetary transfer request by the first device to a payment provider to cause the payment provider to process the monetary transfer request.

9. The first device of claim 8, wherein the data connection comprises one of a Bluetooth connection, a wireless connection, or a NFC connection.

10. The first device of claim 8, wherein the monetary transfer request is transmitted at the second time period.

11. The first device of claim 8, wherein the detecting that the second device is within the proximity of the second device at the first time period comprises detecting an NFC tap by the first device with the second device.

12. The first device of claim 8, wherein the payment information includes identification information corresponding to the second account associated with the second device.

13. The first device of claim 8, wherein the operations further comprise transmitting transfer information detailing an amount corresponding to the monetary transfer request to the payment provider.

14. The first device of claim 8, wherein the operations further comprise receiving a message confirming that the monetary transfer request has been processed.

15. A non-transitory machine-readable medium having instructions stored thereon machine readable instructions executable to cause a machine to perform operations comprising:

detecting, by a first device, that a second device is within a proximity of the first device at a first time period through a first near field communication (NFC) link between the first device and the second device;

in response to the detecting during the first time period, activating an application on the first device, wherein the application displays a selectable option to process a monetary transfer to the second device;

in response to selection of the selectable option, establishing, by the first device, a data connection between the first device and the second device through the first NFC link; and

retrieving, by the first device, payment information corresponding to the second device through the data connection during the first time period;

further in response to the selection of the selectable option, generating, by the first device, a monetary transfer request for the monetary transfer from a first account associated with the first device to a second account associated with the second device based on the selectable option and the payment information;

detecting, by the first device, that the second device is again within the proximity of the first device at a second time period through a second NFC link, wherein the second time period occurs after completion of the first time period; and

in response to the first device detecting the second device through the second NFC link, transmitting the monetary transfer request by the first device to a payment provider to cause the payment provider to process the monetary transfer request.

16. The non-transitory machine-readable medium of claim 15, wherein the data connection comprises one of a Bluetooth connection, a wireless connection, or a NFC connection.

17. The non-transitory machine-readable medium of claim 15, wherein the monetary transfer request is transmitted at the second time period.

18. The non-transitory machine-readable medium of claim 15, wherein the detecting that the first device is within the proximity of the second device at the first time period comprises detecting an NFC tap by the first device with the second device.

19. The non-transitory machine-readable medium of claim 15, wherein the payment information includes identification information corresponding to the second account associated with the second device.

20. The non-transitory machine-readable medium of claim 15, wherein the operations further comprise transmitting transfer information detailing an amount corresponding to the monetary transfer request to the payment provider.