SYSTEMS AND METHODS FOR MOBILE AUTHORIZATIONS

• US 20120286928A1
• Filed: 05/10/2012
• Published: 11/15/2012
• Est. Priority Date: 05/10/2011
• Status: Active Grant

• Current Assignee: Dynamics Inc.
• Original Assignee: Dynamics Inc.
• Inventors: Mullen, Jeffrey D., Rigatti, Christopher J., Wallace, Michael T.
• Granted Patent: US 11,100,431 B2
• Time in Patent Office: Days
• US Class Current: 340/5.61
• CPC Class Codes: G06Q 10/00 Administration; Management
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A mobile device may receive security credentials from a contactless device via a contactless communication channel to authorize functions that may be performed by the mobile device. For example, purchase transactions may be authorized to be completed by a mobile device after payment information communicated from a physical payment card to the mobile device is confirmed to match at least a portion of payment information stored within a memory of the mobile device. A mobile device may forward the security credentials to a network entity for remote authorization of a requested function.

Claims

1. A method, comprising:

executing an application on a processor of a mobile device to perform a function;

communicating information to said mobile device from a contactless device using a contactless communication channel;

confirming said communicated information matches at least a portion of predetermined information; and

executing said function from said mobile device based on said confirmation.

2. The method of claim 1, wherein said mobile device is a laptop.

3. The method of claim 1, wherein said mobile device is a PDA.

4. The method of claim 1, wherein said mobile device is a phone.

5. The method of claim 1, wherein said mobile device is an MP3 device.

6. The method of claim 1, wherein said mobile device is a GPS device.

7. The method of claim 1, wherein said contactless device is a non-powered card.

8. The method of claim 1, wherein said contactless device is a powered card.

9. The method of claim 1, wherein said contactless device is an automobile key.

10. The method of claim 1, wherein said contactless device is a home door key.

11. The method of claim 1, wherein said contactless device is a key to a safe deposit box.

12. The method of claim 1, wherein said contactless communication channel is an RFID communication channel.

13. The method of claim 1, wherein a camera of said mobile device establishes said contactless communication channel.

14. The method of claim 1, wherein said contactless device is a powered card, said mobile device and said powered card being brought within a proximity distance of up to two inches to establish said contactless communication channel.

15. The method of claim 1, wherein said contactless device is a powered card, said powered card simulating a series of touches to a display of said mobile device to establish at least a portion of said contactless communication channel.

16. The method of claim 1, wherein said contactless device is a powered card, said mobile device communicating an optical data stream to said powered card to establish at least a portion of said contactless communication channel.

17. The method of claim 1, wherein said predetermined information exists on a memory of said mobile device.

18. The method of claim 1, wherein said predetermined information exists on a memory of a remote authorization server.

19. The method of claim 1, wherein said contactless device is a non-powered card, said non-powered card providing said communicated information to authorize a purchase transaction based on payment account information associated with said non-powered card.

20. The method of claim 1, wherein said function is executed by a device external to said mobile device.