SCHEDULING AND PAYMENT OF A BANKING TRANSACTION USING A MOBILE COMMUNICATION DEVICE WITH EMBEDDED NFC
First Claim
Patent Images
1. A method for scheduling 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 embedded within the mobile communications device that runs a client application;
executing an application at the mobile communications device to create a task to perform a banking transaction, the application allowing for creating the task and subsequently assigning the task a status of pending while the mobile communication device has no network connectivity;
actively monitoring for available network connectivity, wherein the active monitoring takes place at the transceiver in the mobile communication device;
automatically connecting to an available network upon identifying available network connectivity, wherein the connection to the available network is established using the transceiver of the mobile communication device;
uploading the task that has a status defined as pending to a remote server;
refreshing the status of the task and displaying the new status of the task in the application executed by the mobile communications device after the remote server has received the task;
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.
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Accused Products
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.
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Citations
23 Claims
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1. A method for scheduling a banking transaction using a mobile communication device, the method comprising:
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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 embedded within the mobile communications device that runs a client application; executing an application at the mobile communications device to create a task to perform a banking transaction, the application allowing for creating the task and subsequently assigning the task a status of pending while the mobile communication device has no network connectivity; actively monitoring for available network connectivity, wherein the active monitoring takes place at the transceiver in the mobile communication device; automatically connecting to an available network upon identifying available network connectivity, wherein the connection to the available network is established using the transceiver of the mobile communication device; uploading the task that has a status defined as pending to a remote server; refreshing the status of the task and displaying the new status of the task in the application executed by the mobile communications device after the remote server has received the task; 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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A payment system using a hand-held mobile device, comprising:
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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 COMA and a secure element embedded within the hand-held mobile device running a client application;the processor executing an application that creates a task to perform a banking transaction by creating the task and subsequently assigning the task a status of pending when the hand-held mobile device has no network connectivity; the transceiver actively monitors for available network connectivity, automatically connects to an available network upon identifying available network connectivity and uploads the task that has a status defined as pending to a remote server; 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; the wireless transceiver sends transaction data including the payment credentials associated with 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; and the remote server authenticates the transaction data, if the point-of-sale terminal indicates that authentication is required, 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. - View Dependent Claims (12, 13, 14, 15, 16, 17)
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18. A payment system using a hand-held mobile device, comprising:
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the hand-held mobile device comprising an application, 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 COMA and a secure element embedded within the hand-held mobile device running a client application;the processor executing an application that creates a task to perform a banking transaction by creating the task and subsequently assigning the task a status of pending when the hand-held mobile device has no network connectivity; the transceiver actively monitors for available network connectivity, automatically connects to an available network upon identifying available network connectivity and uploads the task that has a status defined as pending to a remote server; 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; the wireless transceiver sends transaction data including the payment credentials associated with 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 application running on the handheld mobile device receives manual user authentication 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 hand-held mobile device to prompt a user for authentication; and the remote server performs authentication and 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.
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19. A method for processing a banking transaction using a mobile communication device, the method comprising:
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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 embedded within the mobile communications device that runs a client application; executing an application at the mobile communications device to create a task to perform a banking transaction, the application allowing for creating the task and subsequently assigning the task a status of pending while the mobile communication device has no network connectivity; actively monitoring for available network connectivity, wherein the active monitoring takes place at the transceiver in the mobile communication device; automatically connecting to an available network upon identifying available network connectivity, wherein the connection to the available network is established using the transceiver of the mobile communication device; 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; and receiving manual user authentication at the hand-held mobile 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 hand-held mobile device to prompt a user for authentication, 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.
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20. A payment system using a hand-held mobile device, comprising:
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the hand-held mobile device comprising an application, 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 COMA and a secure element embedded within the hand-held mobile device running a client application;the processor executing an application that creates a task to perform a banking transaction by creating the task; 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; the wireless transceiver sends transaction data including the payment credentials associated with 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 application running on the handheld mobile device receives manual user authentication 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 hand-held mobile device to prompt a user for authentication; and the remote server authenticates the transaction data, if the point-of-sale terminal indicates that authentication is required, 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.
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21. A method for paying for a banking transaction using a mobile communication device, the method comprising:
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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 embedded within the mobile communications device that runs a client application; executing an application at the mobile communications device to create a task 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 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.
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22. A payment system using a hand-held mobile device, comprising:
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the hand-held mobile device comprising an application, 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 COMA and a secure element embedded within 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; the wireless transceiver sends transaction data including the payment credentials associated with 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 application running on the handheld mobile device manual user authentication 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 hand-held mobile device to prompt a user for authentication; and the remote server performs authentication and 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.
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23. A method for processing a banking transaction using a mobile communication device, the method comprising:
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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 embedded within the mobile communications device that runs a client application; executing an application at the mobile communications device to create a task 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; and receiving manual user authentication at the hand-held mobile 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 hand-held mobile device to prompt a user for authentication, 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.
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Specification