Method and apparatus for contactless payment authentication
First Claim
1. A contactless payment device comprising:
- an electronic device including an authentication function enabling restriction of use of said electronic device by a user; and
a contactless payment circuit embedded in said device, said contactless payment circuit being enabled to provide payment functionality based on a restriction status of said device.
7 Assignments
0 Petitions
Accused Products
Abstract
The present disclosure relates generally to the authentication of contactless payments attempted by a device having embedded contactless payment functionality. In particular, the disclosure is directed to systems and methods that utilize authentication schemes that already exist on a device in which the contactless payment functionality is embedded. One example of such authentication schemes is the use of password protection to lock or unlock the device in which the contactless payment functionality is embedded. Using the password protection functionality may provide varying levels of authentication protection based on the desires of the user. A number of exemplary uses of such a method and apparatus are disclosed herein.
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Citations
48 Claims
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1. A contactless payment device comprising:
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an electronic device including an authentication function enabling restriction of use of said electronic device by a user; and a contactless payment circuit embedded in said device, said contactless payment circuit being enabled to provide payment functionality based on a restriction status of said device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system enabled to provide contactless payment comprising:
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a device including an authentication function enabling restriction of use of said electronic device by a user; a contactless payment circuit embedded in said device; a reader for receiving user account information from said contactless payment circuit; and a transaction processing system for receiving user account information from said reader and authorizing payment based on said user account information, wherein said contactless payment circuit is enabled for providing payment functionality or disabled to deny payment functionality based on a restriction status of said device. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A method for authenticating contactless payment, comprising:
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bringing a contactless payment circuit embedded in a device in proximity to a reader; detecting an attempted activation of said contactless payment circuit; determining an authorization status of said device in which said contactless payment circuit is embedded; and enabling said contactless payment circuit to provide data to said reader based on said authorization status of said device in which said contactless payment circuit is embedded. - View Dependent Claims (22, 23, 24, 25, 26, 27)
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28. A method of providing contactless payment comprising:
using an authentication function of a device in which a contactless payment circuit is embedded to provide authorization for enabling use of the payment functionality of the contactless payment circuit.
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29. A method for authorizing use of a contactless payment circuit comprising:
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detecting attempted activation of a contactless payment circuit embedded in a device; determining if said device in which said contactless payment circuit is embedded includes functionality for restricting use of said device; and enabling activation of the payment functionality of the contactless payment circuit when said device includes functionality for restricting use and said functionality is not implemented, or when said functionality is implemented, when use of the device is not restricted.
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30. A contactless payment device comprising:
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an electronic device including an authentication function enabling restriction of use of said electronic device by a user; and a contactless payment circuit in communication with said electronic device, said contactless payment circuit being enabled for providing payment functionality based on a restriction status of said electronic device. - View Dependent Claims (31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42)
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43. A system enabled to provide contactless payment comprising:
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an electronic device including an authentication function enabling restriction of use of said electronic device by a user; a contactless payment circuit operable to communicate with said electronic device; a first reader in communication with said contactless payment circuit, said first reader operably coupled to said electronic device; a second reader for receiving user account information from said contactless payment circuit; and a transaction processing system for receiving user account information from said second reader and authorizing payment based on said user account information, wherein payment functionality of said contactless payment circuit is enabled for use or disabled based on a restriction status of said electronic device via said first reader.
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44. A method for authenticating contactless payment, comprising:
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bringing a contactless payment circuit in proximity to a reader, said contactless payment circuit being operably coupled to a smart card reader; detecting an attempted activation of said contactless payment circuit; determining an authorization status of an electronic device, said electronic device operably coupled to said smart card reader to which said contactless payment circuit is in communication; and enabling said contactless payment circuit to provide data to said reader based on said authorization status of said device via said smart card reader. - View Dependent Claims (45, 46, 47, 48)
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Specification