COMMUNICATION SYSTEM PROVIDING NEAR FIELD COMMUNICATION (NFC) TRANSACTION FEATURES AND RELATED METHODS

• US 20120254031A1
• Filed: 03/29/2011
• Published: 10/04/2012
• Est. Priority Date: 03/29/2011
• Status: Active Grant

• Current Assignee: Malikie Innovations Limited (Key Patent Innovations Limited)
• Original Assignee: Research In Motion Limited (Blackberry Limited)
• Inventors: Walker, David Ryan, Moosavi, Vahid
• Granted Patent: US 10,223,743 B2
• Time in Patent Office: Days
• US Class Current: 705/42
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: H04L 63/0492 by using a location-limited connection, e.g. near-field communication or limited proximity of entities
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 12/68 Gesture-dependent or behaviour-dependent

Abstract

A communication system may include a transaction terminal configured to perform a transaction based upon receiving account information, a first NFC device(s), and a mobile wireless communication device. The mobile device may include a second NFC device configured to communicate with the first NFC device(s) upon being swiped therewith, a memory configured to store account information associated with different accounts and store respective account swipe patterns for the different accounts, where each account swipe pattern comprising at least one of a set time or a set number of swipes, and a controller. The controller may be configured to detect a swipe pattern, determine whether the detected swipe pattern corresponds to one of the plurality of stored account swipe patterns, determine a respective account based upon the determined corresponding stored account swipe pattern, and communicate the associated account information for the determined respective account to the transaction terminal.

Claims

1. A communication system comprising:

a transaction terminal configured to perform a transaction based upon receiving account information;

at least one first near field communication (NFC) device; and

a mobile wireless communication device comprising

a second NFC device configured to communicate with said at least one first NFC device upon being swiped therewith,

a memory configured to store account information associated with a plurality of different accounts, and store respective account swipe patterns for the plurality of different accounts, each account swipe pattern comprising at least one of a set time or a set number of swipes, and

a controller coupled with said memory and second NFC device, the controller being configured to

detect a swipe pattern,

determine whether the detected swipe pattern corresponds to one of the plurality of stored account swipe patterns,

determine a respective account based upon the determined corresponding stored account swipe pattern, and

communicate the associated account information for the determined respective account to said transaction terminal.

2. The communication system of claim 1 wherein said at least one first NFC device has a unique identification (UID) associated therewith;

and wherein said controller is further configured to receive the UID from said at least one first NFC device via said second NFC device, validate the received UID, and determine the respective account based upon validation of the UID.

3. The communication system of claim 1 wherein the plurality of different accounts comprises a plurality of different payment accounts;

wherein said at least one first NFC device has a spending limit associated therewith; and

wherein said controller is further configured to communicate payment account information for transactions below the spending limit.

4. The communication system of claim 1 wherein the plurality of different accounts comprises a plurality of different payment accounts;

and wherein said at least one first NFC device comprises a plurality of first NFC devices each associated with a different respective payment account category.

5. The communication system of claim 4 wherein the different payment account categories correspond to personal or business payment account categories.

6. The communication system of claim 4 wherein the different payment account categories correspond to different credit card types.

7. The communication system of claim 1 wherein the set number of swipes comprises a plurality of swipes.

8. The communication system of claim 1 wherein the plurality of different accounts comprises a plurality of different security access accounts.

9. The communication system of claim 1 wherein said transaction terminal is further configured to communicate via NFC;

and wherein said controller is configured to communicate the associated account information for the determined respective account to said transaction terminal via said second NFC device.

10. The communication system of claim 1 wherein said at least one first NFC device comprises at least one passive NFC device.

11. A mobile wireless communication device for use with a transaction terminal configured to perform a transaction based upon receiving account information and at least one first near field communication (NFC) device, the mobile wireless communications device comprising:

a second NFC device configured to communicate with the at least one first NFC device upon being swiped therewith;

a memory configured to store account information associated with a plurality of different accounts, and store respective account swipe patterns for the plurality of different accounts, each account swipe pattern comprising at least one of a set time or a set number of swipes; and

a controller coupled with said memory and second NFC device, the controller being configured to

detect a swipe pattern,

determine whether the detected swipe pattern corresponds to one of the plurality of stored account swipe patterns,

determine a respective account based upon the determined corresponding stored account swipe pattern, and

communicate the associated account information for the determined respective account to the transaction terminal.

12. The mobile wireless communication device of claim 11 wherein the at least one first NFC device has a unique identification (UID) associated therewith;

and wherein said controller is further configured to receive the UID from the at least one first NFC device via said second NFC device, validate the received UID, and determine the respective account based upon validation of the UID.

13. The mobile wireless communication device of claim 11 wherein the plurality of different accounts comprises a plurality of different payment accounts;

wherein said at least one first NFC device has a spending limit associated therewith; and

wherein said controller is further configured to communicate payment account information for transactions below the spending limit.

14. The mobile wireless communication device of claim 11 wherein the plurality of different accounts comprises a plurality of different payment accounts;

wherein the at least one first NFC device comprises a plurality of first NFC devices each associated with a different respective payment account category; and

wherein the different payment account categories correspond to personal or business payment account categories.

15. The mobile wireless communication device of claim 11 wherein the plurality of different accounts comprises a plurality of different payment accounts;

wherein the at least one first NFC device comprises a plurality of first NFC devices each associated with a different respective payment account category; and

wherein the different payment account categories correspond to different credit card types.

16. The mobile wireless communication device of claim 11 wherein the transaction terminal is further configured to communicate via NFC;

and wherein said controller is configured to communicate the associated account information for the determined respective account to said transaction terminal via said second NFC device.

17. A communication method comprising:

storing account information associated with a plurality of different accounts in a memory of a mobile wireless communications device, and storing respective account swipe patterns for the plurality of different accounts in the memory, each account swipe pattern comprising at least one of a set time or a set number of swipes;

causing the mobile wireless communication device to communicate with at least one near field communication (NFC) device based upon swiping therewith;

detecting, at the mobile wireless communications device, a swipe pattern with the at least one NFC device based upon the NFC communications;

determining, at the mobile wireless communications device, whether the detected swipe pattern corresponds to one of the plurality of stored account swipe patterns;

determining, at the mobile wireless communications device, a respective account based upon the determined corresponding stored account swipe pattern; and

communicating the associated account information for the determined respective account from the mobile wireless communications device to a transaction terminal.

18. The method of claim 17 further comprising facilitating a transaction with the transaction terminal based upon the account information.

19. The method of claim 17 wherein the at least one NFC device has a unique identification (UID) associated therewith;

and further comprising communicating the UID from the at least one NFC device to the mobile wireless communication device and validating the received UID at the mobile wireless communications device; and

wherein determining the respective account further comprises determining the respective account based upon validation of the UID.

20. The method of claim 17 wherein the plurality of different accounts comprises a plurality of different payment accounts;

wherein the at least one NFC device has a spending limit associated therewith; and

wherein communicating further comprises communicating payment account information for transactions below the spending limit.

21. The method of claim 17 wherein the plurality of different accounts comprises a plurality of different payment accounts;

wherein the at least one NFC device comprises a plurality of NFC devices each associated with a different respective payment account category; and

wherein the different payment account categories correspond to personal or business payment account categories.

22. The method of claim 17 wherein the plurality of different accounts comprises a plurality of different payment accounts;

wherein the at least one NFC device comprises a plurality of NFC devices each associated with a different respective payment account category; and

wherein the different payment account categories correspond to different credit card types.

23. The method of claim 17 wherein communicating the associated account information comprises communicating the associated account information from the mobile wireless communications device to the transaction terminal via NFC.

24. A non-transitory computer-readable medium having computer-executable instructions for causing a mobile wireless communications device to perform steps comprising:

storing account information associated with a plurality of different accounts in a memory of the mobile wireless communications device, and storing respective account swipe patterns for the plurality of different accounts in the memory, each account swipe pattern comprising at least one of a set time or a set number of swipes; and

communicating with at least one near field communication (NFC) device based upon swiping therewith;

detecting a swipe pattern with the at least one NFC device based upon the NFC communications;

determining whether the detected swipe pattern corresponds to one of the plurality of stored account swipe patterns;

determining a respective account based upon the determined corresponding stored account swipe pattern; and

communicating the associated account information for the determined respective account to the transaction terminal.

25. The non-transitory computer-readable medium of claim 24 wherein the at least one NFC device has a unique identification (UID) associated therewith;

wherein the computer-readable medium further has computer-executable instructions for causing the mobile wireless communications device to perform steps comprising receiving the UID from the at least one first NFC device and validating the received UID; and

wherein determining the respective account further comprises determining the respective account based upon validation of the UID.

26. The non-transitory computer-readable medium of claim 24 wherein the plurality of different accounts comprises a plurality of different payment accounts;

wherein the at least one NFC device has a spending limit associated therewith; and

wherein communicating further comprises communicating payment account information for transactions below the spending limit.

27. The non-transitory computer-readable medium of claim 24 wherein the plurality of different accounts comprises a plurality of different payment accounts;

wherein the at least one NFC device comprises a plurality of NFC devices each associated with a different respective payment account category; and

wherein the different payment account categories correspond to personal or business payment account categories.

28. The non-transitory computer-readable medium of claim 24 wherein the plurality of different accounts comprises a plurality of different payment accounts;

wherein the at least one NFC device comprises a plurality of NFC devices each associated with a different respective payment account category; and

wherein the different payment account categories correspond to different credit card types.