PAYING FOR A BANKING TRANSACTION USING A MOBILE COMMUNICATION DEVICE AND NFC STICKER

• US 20120191557A1
• Filed: 04/06/2012
• Published: 07/26/2012
• Est. Priority Date: 12/31/2005
• Status: Abandoned Application

• Current Assignee: Michelle Fisher
• Original Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Inventors: Fisher, Michelle, Guha, Rathin
• Application Number:
  US13/441,729
• Publication Number:
  US 20120191557A1
• Time in Patent Office: Days
• US Class Current: 705/21
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3265 characterised by personalisation for use
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

A method for scheduling a banking transaction using a mobile communication device. The method includes creating a task on the mobile communication device to perform a banking transaction while the mobile communication device has no network connectivity, the mobile communication device actively monitoring for an available network to access. In response to identifying an available network to access, the mobile communication device automatically connects to the available network and uploads the task to a server to complete the banking transaction.

Claims

1. A method for paying for a banking transaction using a mobile communication device, the method comprising:

providing a mobile communications device with a visual display, a processor, a first communication channel which supports voice and data interactions at a transceiver at the hand-held mobile device using at least one of GSM and CDMA, and a secure element externally affixed to the hand-held mobile device, running a client application;

executing an application at the mobile communications device to create a task to perform a banking transaction;

uploading the task that has a status defined as pending to a remote server;

executing a payment application, stored in memory of the secure element with payment credentials associated with the payment account and the payment credentials are transferred to the Point of Sale Terminal for the banking transaction by the execution of the payment application, by a processor of the secure element to pay for the banking transaction wherein the payment application is executed in response to a near field communication interaction of the hand-held mobile device with a Point-Of-Sale terminal that is physically remote from the mobile communications device using a second communication channel capable of supporting near field communications;

sending, using a wireless transceiver of the secure element, the transaction data including the payment credentials associated with the executed payment application through a second communication channel to the Point-Of-Sale terminal, the second communication channel being different from a first communication channel through which the mobile communication device communicates voice data, the payment application executed in response to a near field communication interaction from the Point-Of-Sale terminal;

receiving manual user authentication at the remote Point-Of-Sale based on a determination by the Point-Of-Sale terminal that authentication is required and prompts the user, wherein authentication is performed by a remote server after the payment application has been triggered by the remote Point-Of-Sale terminal and after payment credentials have been transferred to the remote Point-Of-Sale terminal but prior to the payment being processed and completed; and

receiving purchase information from the Point-Of-Sale terminal.

2. The method of claim 1, wherein the banking transaction comprises one or more of a bill pay transaction, a fund transfer transaction, and a pay anyone transaction.

3. The method of claim 1, wherein the purchase information from the point-of-sale terminal is received at the remote server and subsequently downloaded to the mobile device

4. The method of claim 1, wherein the purchase information from the point-of-sale terminal is received at the secure element memory.

5. The method of claim 1 in which the Point-Of Sale terminal notifies the remote server that payment processing is complete for the task.

6. The method of claim 1, wherein the response indicates payment processing is successful for the task

7. The method of claim 1 wherein the response indicates payment processing is not successful for the task.

8. A payment system using a hand-held mobile device, comprising:

the hand-held mobile device comprising a visual display, a processor connected to the visual display;

a first communication channel connected to the first processor which supports voice and data interactions at a first radio transceiver at the hand-held mobile device using at least one of GSM and CDMA and a secure element is externally affixed to the hand-held mobile device running a client application;

the processor executing an application that creates a task to perform a banking transaction;

the secure element having a processor, a memory that stores a payment application and payment credentials associated with a payment account and a wireless transceiver, the payment application being executed by the processor of the secure element to facilitate the transfer of the payment credentials to a Point of Sale Terminal for the banking transaction, wherein the payment application is executed in response to a near field communication interaction of the hand-held mobile device with a physically remote Point-Of-Sale terminal using a second communication channel capable of supporting near field communications;

a wireless transceiver that sends transaction data including the payment credentials associated with the executed payment application through a second communication channel to the Point-Of-Sale terminal, the second communication channel being different from a first communication channel through which the hand-held mobile device communicates voice data, the payment application executed in response to an induction-based trigger from the Point-Of-Sale terminal; and

the remote server authenticates the transaction data, if the Point-of-Sale terminal indicates that authentication is required and prompts the user, after the payment application has been triggered by the Point-Of-Sale terminal and after payment credentials have been transferred to the Point-Of-Sale terminal but prior to the payment being processed and completed.

9. The system of claim 8, wherein the purchase information from the Point-of-Sale terminal is received at the secure element memory.

10. The system of claim 8, wherein the purchase information from the point-of-sale terminal is received at the secure element memory.

11. The system of claim 8, wherein the purchase information from the point-of-sale terminal is received at the remote server and subsequently downloaded to the mobile device.

12. A method for paying for a banking transaction using a mobile communication device, the method comprising:

providing a mobile communications device with a visual display, a processor, a first communication channel which supports voice and data interactions at a transceiver at the hand-held mobile device using at least one of GSM and CDMA, and a secure element externally affixed to the mobile communication device, running a client application;

executing an application at the mobile communications device to perform a banking transaction,

executing a payment application, stored in memory of the secure element with payment credentials associated with the payment account and the payment credentials are transferred to the Point of Sale Terminal for the banking transaction by the execution of the payment application, by a processor of the secure element to pay for the banking transaction wherein the payment application is executed in response to a near field communication interaction of the hand-held mobile device with a Point-Of-Sale terminal that is physically remote from the mobile communications device using a second communication channel capable of supporting near field communications;

sending, using a wireless transceiver of the secure element, the transaction data including the payment credentials associated with the executed payment application through a second communication channel to the Point-Of-Sale terminal, the second communication channel being different from a first communication channel through which the mobile communication device communicates voice data, the payment application executed in response to a near field communication interaction from the Point-Of-Sale terminal;

receiving manual user authentication at the mobile communication device based on a determination by the remote point of sale terminal that authentication is required, wherein the point-of-sale terminal notifies a remote server which triggers the mobile communication device to prompt a user for authentication, and further wherein authentication is performed by a remote server that transmits notification of authentication to the point-of-sale terminal after payment credentials have been transferred to the remote point-of-sale terminal but prior to payment being processed and completed; and

receiving purchase information from the Point-Of-Sale terminal.

13. A payment system using a hand-held mobile device, comprising:

the hand-held mobile device comprising a visual display, a processor connected to the visual display;

a first communication channel connected to the first processor which supports voice and data interactions at a first radio transceiver at the hand-held mobile device using at least one of GSM and CDMA and a secure element is externally affixed to the hand-held mobile device running a client application;

the processor executing an application that creates a task to perform a banking transaction;

the secure element having a processor, a memory that stores a payment application and payment credentials associated with a payment account and a wireless transceiver, the payment application being executed by the processor of the secure element to facilitate the transfer of the payment credentials to a Point of Sale Terminal for the banking transaction, wherein the payment application is executed in response to a near field communication interaction of the hand-held mobile device with a physically remote Point-Of-Sale terminal using a second communication channel capable of supporting near field communications;

a wireless transceiver that sends transaction data including the payment credentials associated with the executed payment application through a second communication channel to the Point-Of-Sale terminal, the second communication channel being different from a first communication channel through which the mobile communication device communicates voice data, the payment application executed in response to an induction-based trigger from the Point-Of-Sale terminal;

the remote server authenticates the transaction data, if the point-of-sale terminal indicates that authentication is required and notifies the remote server that triggers the hand-held mobile device to prompt a user for authentication, and wherein the remote server that transmits notification of authentication to the Point-Of-Sale terminal after payment credentials have been transferred to the remote Point-Of-Sale terminal but prior to payment being processed and completed.