Initiating and Enabling Secure Contactless Transactions and Services with a Mobile Device
First Claim
1. A method to initiate and enable secure, real-time contactless transactions with a mobile device comprising:
- a) service profiles posted to the mobile device from a remote server based on the unique identity of the mobile device and mobile device user;
b) the mobile device reading one or more type of data-embedded object presented at a point of service and representing a transaction;
c) the mobile device appending to a data string user-entered or device-resident data to the data read from the object;
d) the mobile device transmitting the resulting string of data to a remote server to facilitate a transaction; and
, e) the mobile device receiving back from the remote server data representing the status of the transaction.
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Abstract
A system and method for a mobile device to initiate and enable contactless transactions and services between a user of said device and remote servers controlled by a service administrator. Such device will have an application or other facility residing it for reading data embedded in an object. The present invention provides for the loading of one or more service profiles to such mobile device based on certain unique identifiers of the user, such as a PIN or username and password, along with the unique ID of the mobile device itself or an administrator-assigned ID. Such service profiles are stored on such mobile device with a unique service ID and a unique service URL for such mobile device to transmit and receive data, along with certain unique identifiers, in real-time and in a secure, closed-loop environment.
67 Citations
14 Claims
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1. A method to initiate and enable secure, real-time contactless transactions with a mobile device comprising:
- a) service profiles posted to the mobile device from a remote server based on the unique identity of the mobile device and mobile device user;
b) the mobile device reading one or more type of data-embedded object presented at a point of service and representing a transaction;
c) the mobile device appending to a data string user-entered or device-resident data to the data read from the object;
d) the mobile device transmitting the resulting string of data to a remote server to facilitate a transaction; and
, e) the mobile device receiving back from the remote server data representing the status of the transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
- a) service profiles posted to the mobile device from a remote server based on the unique identity of the mobile device and mobile device user;
Specification