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SCHEDULING AND PAYMENT OF A BANKING TRANSACTION USING A MOBILE COMMUNICATION DEVICE WITH EMBEDDED NFC

  • US 20120197745A1
  • Filed: 04/06/2012
  • Published: 08/02/2012
  • Est. Priority Date: 12/31/2005
  • Status: Abandoned Application
First Claim
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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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