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

• US 20120123935A1
• 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:
  US13/279,206
• Publication Number:
  US 20120123935A1
• Time in Patent Office: Days
• US Class Current: 705/41
• 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

Disclosed is as system and method for automatically selecting a credential among a plurality of credentials on a portable communication device based on a geo-location of the portable communication device and based on a user preference, for use in an electronic wallet transaction. The system includes a geo-location device configured to detect the geo-location of the portable communication device; a location identification service unit configured to be activated by a pre-determined user input, and configured to determine a merchant where the portable communication device is most likely to be located based on said geo-location, a storage means for storing preferences corresponding to the plurality of credentials; and means for automatically determining which of the plurality of credentials to use for the electronic wallet transaction based on the preferences.

Claims

1. A system for automatically selecting a credential among a plurality of credentials on a portable communication device based on a geo-location of the portable communication device and based on a user preference, for use in an electronic wallet transaction, the system comprising:

a geo-location device configured to detect the geo-location of the portable communication device;

a location identification service unit configured to be activated by a pre-determined user input, and configured to determine a merchant where the portable communication device is most likely to be located based on said geo-location;

storage means for storing preferences corresponding to the plurality of credentials; and

means for automatically determining which of the plurality of credentials to use for the electronic wallet transaction based on the preferences.

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 further including means for displaying to a user a second most likely merchant where the portable communication device may be located.

7. A method for automatically selecting a credential among a plurality of credentials on a portable communication device based on geo-location of the portable communication device and based on a user preference, for use in an electronic wallet transaction, the system comprising:

enabling a user to activate a location identification service unit on the portable communication device by a pre-determined user input;

detecting the geo-location of the portable communication device;

determining a merchant where the portable communication device is most likely to be located based on said geo-location;

storing preferences corresponding to the plurality of credentials; and

automatically determining which of the plurality of credentials to use for the electronic wallet transaction based on the preferences.

8. The method of claim 7 wherein detecting the geo-location carrying out GPS location.

9. The method of claim 7 wherein detecting the geo-location includes carrying out Control Plane Location.

10. The method of claim 7 wherein the means for detecting the geo-location includes prompting the user to enter a location.

11. The method of claim 7 wherein the means for determining a current geo-location includes GSM localization.

12. The method of claim 7 further including displaying to the user a second most likely merchant where the portable communication device may be located.