TRANSFERRING CONTENT TO A MOBILE DEVICE

• US 20120196586A1
• Filed: 01/31/2011
• Published: 08/02/2012
• Est. Priority Date: 01/31/2011
• Status: Active Grant

• Current Assignee: Bank of America Corp.
• Original Assignee: Bank of America Corp.
• Inventors: Grigg, David M., Votaw, Elizabeth S., Jones, Alicia C., Keller, Marc B., Kelly, Patrick Brian
• Granted Patent: US 8,977,251 B2
• Time in Patent Office: Days
• US Class Current: 455/418
• CPC Class Codes: H04B 5/72 for local intradevice communication
• CPC Class Codes: H04M 1/72412 using two-way short-range wireless interfaces
• CPC Class Codes: H04M 2250/04 including near field communication means, e.g. RFID

Abstract

In general, apparatuses, methods and computer program products for transferring content to a mobile device are disclosed. Particularly, a system is disclosed that provides for pushing content from an external apparatus such as an automated teller machine (ATM), smart poster, contactless payment terminal, etc. to a mobile device or allowing the mobile device to pull such content from the external apparatus. The content may include one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or the like.

Claims

1. A method for transferring content to a mobile device comprising:

establishing a contactless connection between a mobile device and an external apparatus, the mobile device comprising a memory device, a user interface configured to present information to a user, a communication device, and a processing device operatively coupled to the memory device and the communication device; and

transferring content from the external apparatus to the mobile device, the content comprising one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or combinations thereof, the transferred content being stored, at least temporarily, in the memory device of the mobile device.

2. The method of claim 1, wherein the mobile device is a mobile phone.

3. The method of claim 1, wherein the contactless connection is a near field communication (NFC) connection.

4. The method of claim 1, wherein the external apparatus is an automated teller machine (ATM).

5. The method of claim 1, wherein the external apparatus is a smart poster.

6. The method of claim 1, wherein the external apparatus is a contactless payment terminal.

7. The method of claim 4, further comprising authenticating the user.

8. The method of claim 1, wherein the content comprises one or more coupons, ads, or offers.

9. The method of claim 8, wherein the content comprises one or more third-party coupons, ads, or offers.

10. The method of claim 8, wherein the content is based, at least in part, on the location of the user.

11. The method of claim 10, wherein the user location is determined by the location of the external apparatus.

12. The method of claim 10, wherein the user location is determined by a global positioning system (GPS).

13. The method of claim 1, wherein the content is pushed from the external apparatus to the mobile device.

14. The method of claim 1, wherein the content is pulled from the external apparatus to the mobile device.

15. The method of claim 4, wherein the mobile device comprises a mobile wallet with a financial institution-specific mobile wallet application or program that is compatible with the ATM.

16. The method of claim 15, wherein the content is automatically pushed or pulled to the mobile device based on user preferences set by the user.

17. The method of claim 1, further comprising:

prompting the user that content is available for transfer from the external apparatus to the mobile device; and

receiving input from the user to transfer the content to the mobile device.

18. An apparatus for transferring content to a mobile device comprising:

a memory device;

a communication device; and

a processing device operatively coupled to the memory device and the communication device, wherein the processing device is configured to execute computer-readable program code to;

establish a contactless connection with a mobile device; and

transfer content to the mobile device, the content comprising one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or combinations thereof, such that the transferred content is stored, at least temporarily, in the mobile device.

19. The apparatus of claim 18, wherein the mobile device is a mobile phone.

20. The apparatus of claim 18, wherein the contactless connection is a near field communication (NFC) connection.

21. The apparatus of claim 18, wherein the apparatus is an automated teller machine (ATM).

22. The apparatus of claim 18, wherein the apparatus is a smart poster.

23. The apparatus of claim 18, wherein the external apparatus is a contactless payment terminal.

24. The apparatus of claim 21, wherein the processing device is further configured to execute computer-readable program code to authenticate a user.

25. The apparatus of claim 18, wherein the content comprises one or more coupons, ads, or offers.

26. The apparatus of claim 25, wherein the content comprises one or more third-party coupons, ads, or offers.

27. The apparatus of claim 25, wherein the content is based, at least in part, on the location of the user.

28. The apparatus of claim 27, wherein the user location is determined by the location of the external apparatus.

29. The apparatus of claim 27, wherein the user location is determined by a global positioning system (GPS).

30. The apparatus of claim 18, wherein the processing device is further configured to execute computer-readable program code to push the content from the apparatus to the mobile device.

31. The apparatus of claim 18, wherein the processing device is further configured to execute computer-readable program code to allow the mobile device to pull the content from the apparatus to the mobile device.

32. The apparatus of claim 21, wherein the ATM is compatible with a financial institution-specific mobile wallet application for a mobile device.

33. The apparatus of claim 32, wherein the processing device is further configured to execute computer-readable program code to automatically push the content to the mobile device or allow the mobile device to pull the content to the mobile device based on user preferences set by the user.

34. The apparatus of claim 18, wherein the processing device is further configured to execute computer-readable program code to:

prompt a user that content is available for transfer from the apparatus to the mobile device; and

receive input from the user to transfer the content to the mobile device.

35. A computer program product for transferring content to a mobile device, the computer program product comprising a non-transitory computer-readable medium comprising:

a first set of code for establishing a contactless connection between a mobile device and an external apparatus; and

a second set of code for transferring content from the external apparatus to the mobile device, the content comprising one or more coupons, ads, or offers, images, financial receipts, account-related documentation, a reissued card, a new card, a prepaid card, or combinations thereof, such that the transferred content is stored, at least temporarily, in the mobile device.

36. The computer program product of claim 35, wherein the mobile device is a mobile phone.

37. The computer program product of claim 35, wherein the contactless connection is a near field communication (NFC) connection.

38. The computer program product of claim 35, wherein the external apparatus is an automated teller machine (ATM).

39. The computer program product of claim 35, wherein the external apparatus is a smart poster.

40. The computer program product of claim 35, wherein the external apparatus is a contactless payment terminal.

41. The computer program product of claim 38, further comprising a third set of code for authenticating a user.

42. The computer program product of claim 35, wherein the content comprises one or more coupons, ads, or offers.

43. The computer program product of claim 42, wherein the content comprises one or more third-party coupons, ads, or offers.

44. The computer program product of claim 42, wherein the content is based, at least in part, on the location of the user.

45. The computer program product of claim 44, wherein the user location is determined by the location of the external apparatus.

46. The computer program product of claim 44, wherein the user location is determined by a global positioning system (GPS).

47. The computer program product of claim 35, wherein the second set of code is configured to push the content from the external apparatus to the mobile device.

48. The computer program product of claim 35, wherein second set of code is configured to allow the mobile device to pull the content from the external apparatus to the mobile device.

49. The computer program product of claim 38, further comprising a fourth set of code to make the computer program product compatible with a financial institution-specific mobile wallet application or program.

50. The computer program product of claim 49, further comprising a fifth set of code to automatically push the content to the mobile device or allow the mobile device to pull the content to the mobile device based on user preferences set by the user.

51. The computer program product of claim 35, further comprising:

a sixth set of code to prompt a user that content is available for transfer from the external apparatus to the mobile device; and

a seventh set of code to receive input from the user to transfer the content to the mobile device.