MOBILE PAYMENT ADOPTION BY ADDING A DEDICATED PAYMENT BUTTON TO MOBILE DEVICE FORM FACTORS

• US 20100023449A1
• Filed: 07/25/2008
• Published: 01/28/2010
• Est. Priority Date: 07/25/2008
• Status: Active Grant

• Current Assignee: First Data Corporation (Fiserv Incorporated)
• Original Assignee: First Data Corporation (Fiserv Incorporated)
• Inventors: VanDeburg, Theodore, Skowronek, Dan, Owen, Sarah
• Granted Patent: US 8,662,401 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices

Abstract

Embodiments presented herein generally relate to a novel mobile device containing a near field communication (NFC) component. In embodiments, the mobile device includes a payment user interface device. The payment user interface device may be a button on a keypad or may be an icon on a user interface. In embodiments, only after activating, by depressing or selecting, the payment user interface device can allow a user to use the NFC component. In embodiments, the NFC component is powered off until the activation of the payment user interface device.

Claims

1. A method for processing a transaction with a mobile device, the method comprising:

receiving a selection signal of a payment user interface device on the mobile device, wherein the selection signal indicates the user desires to complete the transaction using a near field communication (NFC) component, wherein the mobile device is in proximity to an NFC sensor; and

in response to the selection signal, processing the transaction between the NFC component in the mobile device and the NFC sensor.

2. The method as described in claim 1, further comprising exchanging one or more items of sensitive information between the NFC component and the NFC sensor.

3. The method as described in claim 1, further comprising:

completing the transaction; and

shutting down the NFC component.

4. The method as described in claim 3, wherein shutting down the NFC component comprises:

flushing the memory of the NFC component; and

powering off the NFC component.

5. The method as described in claim 1, further comprising:

starting a mobile wallet application, wherein the mobile wallet application completes the transaction with an NFC sensor application executed on the NFC sensor; and

starting an NFC application, the NFC application operable to communicate information from the mobile wallet application to the NFC sensor.

6. The method as described in claim 5, wherein the mobile wallet application retrieves the one or more items of sensitive information from a mobile wallet datastore.

7. The method as described in claim 5, wherein the mobile wallet application requests information from the user via the user interface device and the user provides a selection with the payment user interface device.

8. The method as described in claim 1, further comprising:

receiving a signal from the NFC sensor at the NFC component;

in response to the signal, starting a mobile wallet application;

sending a signal to the user interface of the mobile device informing a user of the pending transaction; and

in response to sending the signal, receiving the activation of the payment user interface device.

9. The method as described in claim 8, further comprising receiving security credentials from the user before completing the transaction.

10. The method as described in claim 1, further comprising sending a signal to a switch to power on the NFC component.

11. A mobile device comprising:

a processor;

an NFC component in communication with the processor, the NFC component operable to communicate one or more items of sensitive information to an NFC sensor to complete a transaction;

a user interface in communication with the processor, the user interface comprising a payment user interface device, the user interface operable to send a signal to the processor indicating the payment user interface device was selected by a user; and

a switch in communication with the processor and the NFC component, the switch operable to provide power to the NFC component when activated by the processor, the processor activating the switch in response to the signal from the user interface.

12. The mobile device as described in claim 11, wherein the NFC component is powered off until the switch is activated.

13. The mobile device as described in claim 11, wherein the processor executes a mobile wallet application in response to the signal from the user interface.

14. The mobile device as described in claim 13, further comprising a mobile wallet database, wherein the mobile wallet application retrieves the one or more items of sensitive information from the mobile wallet database and sends the one or more items of sensitive information to the NFC component to communicate the one or more items of sensitive information to the NFC sensor to complete the transaction.

15. The mobile device as described in claim 13, wherein the user selects the payment user interface device to provide a selection to the user interface and the user interface operable to send the selection to the mobile wallet application.

16. The mobile device as described in claim 11, wherein the user interface sends a second signal to the switch to power on the NFC component.

17. A computer-readable medium having stored thereon one or more instructions for a method executable by a computer system for completing a transaction using an NFC component, the instructions comprising:

instructions for providing an NFC application;

instructions for receiving a first signal from an NFC sensor with the NFC application;

instructions for starting a mobile wallet application in response to the first signal;

instructions for sending, in response to the first signal, a second signal to a user interface to prompt a user about a pending transaction;

instructions for determining if the user activated a payment user interface device in response to the second signal;

if the user activated the payment user interface device, instructions for receiving, from the user, a login into the mobile wallet application;

instructions for processing the pending transaction with the mobile wallet application and the NFC application; and

if the user does not activate the payment user interface device, instructions for stopping the NFC application.

18. The computer-readable medium as defined in claim 17, further comprising after processing the transaction, shutting down the NFC application.

19. The computer-readable medium as defined in claim 18, wherein shutting down the NFC application comprises:

instructions for flushing the memory of an NFC component; and

instructions for stopping the execution of the NFC application.

20. The computer-readable medium as defined in claim 18, wherein shutting down the NFC application comprises powering off an NFC component.