Interaction Terminal

• US 20110187642A1
• Filed: 11/23/2010
• Published: 08/04/2011
• Est. Priority Date: 11/25/2009
• Status: Abandoned Application

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman, Faith, Patrick, Carlson, Mark, Rewis, Ben, Koganti, Kris
• Application Number:
  US12/953,368
• Publication Number:
  US 20110187642A1
• Time in Patent Office: Days
• US Class Current: 345/158
• CPC Class Codes: G06F 1/1694 the I/O peripheral being a single or a set of motion sensors for pointer control or gesture input obtained by sensing movements of the portable computer
• CPC Class Codes: G06F 21/40 by quorum, i.e. whereby two or more security principals are required
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/389 Keeping log of transactions for guaranteeing non-repudiation of a transaction
• 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 20/4016 involving fraud or risk level assessment in transaction processing
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: H04W 12/08 Access security
• CPC Class Codes: H04W 12/68 Gesture-dependent or behaviour-dependent

Abstract

Embodiments of the present invention are directed to systems, apparatuses and methods for using a mobile device with an accelerometer to conduct a financial transaction by making contact with an interaction terminal, thereby generating interaction data that is representative of the physical contact between the mobile device and the interaction terminal. The mobile device may be a mobile phone. The interaction terminal may be a point of sale terminal, access point device, or any other stationary (i.e., in a fixed position) device positioned at a line, door, gate, or entrance. A mobile device with an accelerometer physically contacts the interaction terminal. The interaction terminal flexes, recoils, or moves and generates interaction data (e.g., accelerometer, location, time data, etc.) representative of the physical interaction between the mobile device and the interaction terminal. A server computer determines, based on interaction data, that the mobile device and the interaction terminal made physical contact. After determining that the mobile device and the interaction terminal made contact, communication may be initiated between the devices. Communications may relate to processing a payment transaction using a payment processing network.

Claims

1. A method comprising:

determining when a first device makes contact with a second device, wherein the first device comprises a first processor and a first accelerometer coupled to the first processor and was previously moved towards the second device comprising a second accelerometer and a second processor coupled to the second accelerometer, wherein the second device is in a fixed position; and

performing further processing after determining when the first device makes contact with the second device, wherein the further processing relates to a financial transaction.

2. The method of claim 1 further comprising:

receiving timestamp data from at least one of the first or second devices.

3. The method of claim 2 further comprising:

receiving location data from at least one of the first or second device.

4. The method of claim 3 further wherein the location data is used for fraud or risk analysis.

5. The method of claim 3 further wherein the timestamp data is used for fraud or risk analysis.

6. The method of claim 1 wherein the first device is associated with a first transaction account issued by the first issuer.

7. The method of claim 1 wherein the financial transaction comprises initiating the transmission of an authorization message to the first issuer.

8. The method of claim 1 wherein the second device is one of the following:

a point of sale (POS) terminal, an automated teller machine (ATM), an electronic cash register (ECR), a ticket kiosk, a vending machine, a magnetic stripe reader device, or a personal computer.

9. A non-transitory computer readable medium, comprising code for implementing the method of claim 1.

10. A method comprising:

receiving first interaction data from a mobile device, wherein the mobile device comprises a first processor and a first motion sensor coupled to the first processor;

receiving second interaction data from an interaction terminal, wherein the interaction terminal comprises a second motion sensor and a second processor coupled to the second motion sensor;

determining whether the mobile device physically interacted with the interaction terminal with a server computer using sensor data from the mobile device and the interaction terminal;

if the mobile device and the interaction terminal move toward each other, initiating the transmission of an authorization request message to a first issuer, wherein the first issuer approves or does not approve the authorization request message.

11. The method of claim 10 wherein the first and second interaction data comprise at least one of the following:

time data, location data, or accelerometer data.

12. The method of claim 10 wherein the first and second interaction data are used in fraud prevention or risk analysis.

13. The method of claim 10 wherein a first financial account is associated with the mobile device and a second financial account is associated with the interaction terminal.

14. A non-transitory computer readable medium, comprising code for implementing the method of claim 10.

15. A server comprising the non-transitory computer readable medium of claim 10.

16. An interaction terminal comprising:

a first processor;

a first sensor coupled to the first processor; and

a non-transitory computer readable medium coupled to the first processor, the computer readable medium comprising code for implementing a method comprising;

generating first interaction data with the first sensor;

initiating comparison of first interaction data with second interaction data, generated by a mobile device comprising a second sensor coupled to a second processor, to determine whether the interaction terminal and the mobile device physically interacted; and

if the interaction terminal and the mobile device physically interacted with the interaction terminal, initiating the transmission of an authorization request message to a first issuer, wherein the first issuer approves or does not approve the authorization request message.

17. The interaction terminal of claim 16 wherein the first and second sensors comprise the accelerometers.

18. The interaction terminal of claim 16 wherein the first sensor comprises a pressure sensor.

19. The interaction terminal of claim 16 further comprising a housing that contains the first sensor, first processor, and non-transitory computer readable medium, wherein the housing has a coupling element so that the interaction terminal can be coupled to an object at a fixed location.

20. The interaction terminal of claim 19, wherein the coupling element is flexible so that when physical contact is made with the interaction terminal the interaction terminal can move.