System and Method for Physical-World Based Dynamic Contactless Data Emulation in a Portable Communication Device

• US 20120123868A1
• Filed: 10/21/2011
• Published: 05/17/2012
• Est. Priority Date: 11/17/2010
• Status: Abandoned Application

• Current Assignee: TIS Incorporated (It Holdings Corporation)
• Original Assignee: TIS Incorporated (It Holdings Corporation)
• Inventors: Brudnicki, David, Craft, Michael, Reisgies, Hans, Weinstein, Andrew
• Application Number:
  US13/279,185
• Publication Number:
  US 20120123868A1
• Time in Patent Office: Days
• US Class Current: 705/14.58
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 30/0261 based on user location
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: H04W 4/02 Services making use of location information
• CPC Class Codes: H04W 4/08 User group management

Abstract

A system for dynamically adjusting the contactless data emulation used by a portable communication device based on its geo-location. The system determines a geo-location of the portable communication device by transmitting the current geo-location data using a most appropriate channel to a server; receiving data regarding payment systems potentially co-located with the portable communication device; and configuring a payment system in the portable communication device with the data formats and other contact-less point of sale data specific to payment system potentially co-located with the device. A method for dynamically adjusting the contactless data emulation used by a portable communication device based on its geo-location is also disclosed.

Claims

1. A system for dynamically adjusting the contactless data emulation used by a portable communication device based on the geo-location of the portable communication device, the system comprising:

means for determining a current geo-location of the portable communication device;

means for transmitting the current geo-location data using most appropriate channel to a server;

means for receiving data regarding payment systems potentially co-located with the portable communication device; and

means for configuring a payment system in the portable communication device with the data formats and other contact-less point of sale data specific to payment system potentially co-located with the device.

2. The system of claim 1 wherein the means for determining a current geo-location include GPS.

3. The system of claim 1 wherein the means for determining a current geo-location include Control Plane Location.

4. The system of claim 1 wherein the means for determining a current geo-location include a user interface for prompting a user to enter a location.

5. The system of claim 1 wherein the means for determining a current geo-location includes GSM localization.

6. The system of claim 1 wherein the means for receiving data include a server in communication with a database and configured to perform a database query to determine which contactless point of sale terminal is installed at the determined current geo-location.

7. The system of claim 1 further including means for displaying to the user a list of the next most likely retail stores where the portable communication device may be located.

8. A method for dynamically adjusting the contactless data emulation used by a portable communication device based on the geo-location of the portable communication device, the system comprising:

determining a current geo-location of the portable communication device;

transmitting the current geo-location data using most appropriate channel to a server;

receiving data regarding payment systems potentially co-located with the portable communication device; and

configuring a payment system in the portable communication device with the data formats and other contact-less point of sale data specific to payment system potentially co-located with the device.

9. The method of claim 8 further including performing a database query to determine which contactless point of sale terminal is installed at the determined current geo-location.

10. The method of claim 8 further including displaying to a user a list of the next most likely retail stores where the portable communication device may be located.

11. The method of claim 8 further including identifying to the consumer new card products available for the determined current geo-location.