METHOD AND SYSTEM FOR DETECTING AN END OF TRANSACTION FOR CONTACTLESS TRANSACTIONS ON A MOBILE DEVICE

• US 20080121687A1
• Filed: 05/07/2007
• Published: 05/29/2008
• Est. Priority Date: 11/28/2006
• Status: Abandoned Application

• Current Assignee: Motorola Mobility, Inc. (Lenovo Group Ltd.)
• Original Assignee: Motorola, Inc. (Motorola Solutions, Inc.)
• Inventors: BUHOT, THOMAS
• Application Number:
  US11/745,354
• Publication Number:
  US 20080121687A1
• Time in Patent Office: Days
• US Class Current: 235/375
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G07F 7/0886 the card reader being portable for interacting with a POS or ECR in realizing a payment transaction
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A system (100) and method (200) for NFC/UICC and NFC/RFID contactless transaction validation suitable for use in a mobile device (110) is provided. The system can include a Near Field Communication (NFC) modem (140), a NFC Universal Integrated Circuit Card (NFC-UICC) (130), and an application processor (120) for informing the mobile device of an end of transaction in the contactless data transaction. The NFC-UICC can detect the end of transaction from the NFC modem via state transitions and informs the application processor via a status word that an end of transaction for the contactless data transaction has been confirmed. The system can include an NFC application (132) for monitoring data communication and an NFC-UICC toolkit application (136) for providing proactive command support to the mobile device and providing notification through the status word.

Claims

1. A system for contactless transaction validation suitable for use in a mobile device, comprising:

a Near Field Communication (NFC) modem for receiving radio frequency (RF) signals associated with a contactless data transaction;

an Universal Integrated Circuit Card (UICC) containing NFC applications, called NFC-UICC, communicatively coupled to the NCF modem for providing security to the contactless data transaction; and

an application processor communicatively coupled to the NFC-UICC for informing the mobile device of an end of transaction in the contactless data transaction,

wherein the NFC-UICC detects an end of transaction from the NFC modem via state transitions and informs the application processor via a status word that an end of transaction for the contactless data transaction has been confirmed.

2. The system of claim 1, wherein the contactless data transaction is a payment transaction and the end of transaction indicates that credit card information on the mobile device has been successfully read by an entity performing the contactless payment transaction with the NFC modem.

3. The system of claim 1, wherein the end of transaction corresponds to a contactless event related to software running on the NFC-UICC such as ticketing, cash card, access control, or WI-FI and Bluetooth set-up.

4. The system of claim 1, wherein the application processor includes a payment application presenting a graphical user interface that informs a user of the end of transaction for the contactless data transaction upon the application processor receiving the status word from the NFC-UICC for the end of transaction.

5. The system of claim 4, wherein the NFC-UICC further comprises:

an NFC application for monitoring data communication and determining the end of transaction for the contactless data transaction with the NFC modem; and

an NFC UICC toolkit application for providing proactive command support to the mobile device and providing notification of the end of transaction to the NFC payment application through the status word.

6. The system of claim 4, wherein NFC payment application implements a Java™

messaging Application Programming Interface (API) for conveying the status word and event occurrences between the NFC payment application and the application processor.

7. The system of claim 4, wherein the NFC-UICC further includes a shared memory for allowing the NFC application and the NFC UICC toolkit application to securely share information.

8. The system of claim 1, wherein the status word identifies the end of transaction and further includes account information such as credit balance, credit brand information, merchant information, or credit card logos, that is displayable on the mobile device.

9. The system of claim 1, wherein a Terminal Response proactive command includes the status word to convey NFC payment transaction.

10. A method for secure contactless payment transaction suitable for use in a mobile device comprising:

monitoring payment application state transitions during a payment transaction in real-time;

detecting a read event on a Near Field Communication Universal Integrated Circuit Card (NFC-UICC) of a mobile device during the payment transaction; and

notifying the mobile device of the read event via a status word for an end of transaction associated with a completion of the read event.

11. The method of claim 10, wherein monitoring payment application state transitions further comprises:

to initiate a contactless payment transaction, selecting an UICC toolkit application in a NFC-UICC;

in the UICC toolkit, informing an NFC payment application in the NFC-UICC that a payment transaction will occur;

during the contactless payment transaction, informing the UICC toolkit application of state transitions by the NFC payment application; and

informing the NFC mobile device of the end of transaction for the contactless payment through proactive commands sent by the UICC toolkit application.

12. The method of claim 10, wherein detecting a read event on an NFC-UICC card further comprises:

monitoring a time to execute a credit card read sequence of a pending contactless payment; and

providing a more time proactive command to request more time to complete the pending contactless payment if the time is insufficient to complete execution of the credit card read sequence.

13. A system for enhanced read complete indication, comprising:

a mobile device having a phone card for providing contactless data transactions and presenting transaction events through a user interface; and

a reader external from the mobile device that reads the phone card information from the mobile device when the mobile device is in proximity to a radio frequency (RF) field of the reader,

wherein, upon completion of a contactless data transaction, the reader sends an acknowledgment to the mobile device confirming that information from the phone card has been successfully read, and the user interface informs the user of the transaction status.

14. The system of claim 13, wherein the acknowledgment is a Terminal Response confirming receipt of transaction data, and the Terminal Response provides additional information related to the contactless data transaction.

15. The system of claim 14, wherein the additional information is a logo of a card issuer, a credit card brand, an application identifier, ticketing, cash card, access control, or configuration information (WI-FI or Bluetooth) that is displayable on the user interface.

16. The system of claim 13, wherein the mobile device further comprises:

a secure controller conducting contactless payment applications with the reader and a NFC/RFID controller; and

a messaging Applications Programming Interface (API) operatively coupled to the secure controller for informing the mobile device of contactless transaction events.

17. The system of claim 13, wherein the messaging API operates on hardware interrupts for signaling occurrence of contactless transaction events.

18. The system of claim 13, wherein the completion of data transactions is indicated based on event and application state transitions.

19. The system of claim 13, wherein the secure controller further comprises:

a communication interface to the mobile device;

a data manager having a secure protected memory for sharing secure information, a mailbox for sharing transaction events, an Events Status Register (ESR) that specifies the numbers of specific occurred event and the status, and a plurality of Data registers corresponding to the event and additional information.

20. The system of claim 13, wherein the acknowledgement is appended to a sequence of command responses between the mobile device and the reader in accordance with the near field communication method as defined in ISO-18092 and ISO-14443.