ENHANCED USER INTERFACE FOR CONTACTLESS PAYMENT FUNCTION IN MOBILE TELEPHONE

• US 20090307132A1
• Filed: 05/13/2009
• Published: 12/10/2009
• Est. Priority Date: 06/04/2008
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Phillips, Simon
• Application Number:
  US12/465,165
• Publication Number:
  US 20090307132A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03

Abstract

A payment card account number is downloaded to a contactless payment application program stored in a mobile telephone. In association with the payment card account number, at least one image that represents a payment card is also downloaded to the contactless payment application program stored in the mobile telephone. The at least one card payment card image displays the downloaded payment card account number.

Claims

1. A method comprising:

downloading a payment card account number to a contactless payment application program stored in a mobile telephone;

in association with the payment card account number, downloading, to the contactless payment application program, at least one image that represents a payment card, said at least one image displaying said account number.

2. The method of claim 1, wherein said at least one image includes:

a first image that displays the account number and represents a front side of the card; and

a second image that represents a rear side of the card.

3. The method of claim 2, wherein the first image further includes an account holder'"'"'s name, a valid from date, a valid to date and a card brand logo.

4. The method of claim 2, wherein the second image includes an image of a signature of an account holder.

5. The method of claim 2, wherein the second image includes a three-digit security code.

6. A method comprising:

displaying a menu on a display component of a mobile telephone, the menu including a wallet icon;

receiving an indication that the user has selected the wallet icon; and

in response to the indication, displaying on the display component a plurality of images, each of said images representing a card, each of said cards corresponding to an identification number stored in the mobile telephone.

7. The method of claim 6, wherein at least some of the identification numbers are payment card account numbers.

8. The method of claim 7, further comprising:

receiving a second indication that the user has selected one of said card images; and

initiating a contactless payment transaction using a payment card account number that is stored in the mobile telephone and corresponds to the selected image.

9. The method of claim 8, wherein at least one of the indications includes moving a cursor to the wallet icon or card image and actuating a select button.

10. The method of claim 8, wherein at least one of the indications includes touching a touch screen at a locus of the wallet icon or card image.

11. The method of claim 6, wherein said images that represent cards are displayed simultaneously on the display component to function as a menu for selecting among identification numbers stored in the mobile telephone.

12. A method comprising:

exchanging wireless communication between a mobile telephone and a contactless payment terminal to perform a contactless payment transaction, the transaction including the mobile telephone transmitting a payment card account number to the contactless payment terminal; and

during said transaction, displaying an image of a payment card on a display component of the mobile telephone, the image showing said payment card account number.

13. The method of claim 12, wherein said displaying said image includes:

first displaying a first image representative of a front side of said payment card and showing said payment card account number; and

second displaying a second image representative of a rear side of said payment card and showing a signature of an account holder.

14. The method of claim 12, wherein said exchanging step occurs while a user taps the mobile telephone on the contactless payment terminal.

15. A method comprising:

storing a plurality of payment card account numbers in a mobile telephone;

selecting one of the stored payment card account numbers; and

transmitting the selected payment card account number to a contactless payment terminal as part of a contactless payment transaction;

wherein the stored payment card account is selected by selecting an image displayed on a display component of the mobile telephone, the image representing a likeness of a payment card.

16. The method of claim 15, wherein the selected image shows the payment card account number selected by selecting the image.

17. The method of claim 15, wherein the image is selected by moving a cursor to the image and actuating a select button on the mobile telephone.

18. The method of claim 15, wherein the image is selected by touching the image with a user'"'"'s finger.

19. A method comprising:

a mobile telephone detecting that it is in proximity to a contactless payment terminal; and

in response to the detecting, the mobile telephone displaying a plurality of images simultaneously, each of said images corresponding to a respective likeness of a payment card, each of said likenesses corresponding to a respective payment card account number stored in the mobile telephone.

20. The method of claim 19, further comprising:

the mobile telephone receiving input from a user to select one of said likenesses of said payment cards.

21. The method of claim 20, wherein:

the detecting step occurs as the user taps the mobile telephone for a first time on the contactless payment terminal; and

after the selecting step, the user taps the mobile telephone for a second time on the contactless payment terminal to consummate a payment transaction.

22. A method comprising:

a user entering a personal identification number into a payment-enabled mobile telephone;

the user tapping the payment-enabled mobile telephone on a contactless payment terminal to transmit a payment card account number from the payment-enabled mobile telephone to the contactless payment terminal;

the user providing the user'"'"'s signature to the contactless payment terminal or on a paper transaction ticket; and

the payment-enabled mobile telephone displaying a signature image, the signature image corresponding to the user'"'"'s signature and having been previously stored in the payment-enabled mobile telephone.