Mixed Mode Transaction Protocol

• US 20130006847A1
• Filed: 12/27/2011
• Published: 01/03/2013
• Est. Priority Date: 12/30/2010
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Hammad, Ayman, Faith, Patrick L.
• Granted Patent: US 11,004,056 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

As opposed to using one type of technology from the beginning of a transaction to the end of a transaction at the point of sale, embodiments of the present invention are related to useful techniques for conducting mixed mode transactions. A mixed mode transaction combines at least two modes of communication used in transaction processing. A transaction may start by initiating the transaction using a first communication mode between a first device and a second device. The first device may be a consumer'"'"'s mobile device, and the device may be a merchant access device or point of sale terminal. To continue the transaction, a second mode of communication may be initiated. The first and second communications modes may be a physical interaction-based mode, a contact or contactless chip mode, a Bluetooth mode, a WiFi mode, an infrared (IR) mode, or any other suitable communication mode.

Claims

1. A method of conducting a mixed mode financial transaction between a first device and a second device comprising:

initiating, with the first device, the financial transaction using a first communication mode between the first device and the second device, wherein the first device and the second device are proximate to each other;

sending first transaction data using the first communication mode;

initiating a second mode of communication; and

continuing the transaction by sending second transaction data using the second communication mode, wherein the first device and the second device are proximate to each other.

2. The method of claim 1, wherein the first communication mode comprises a wireless communication mode based on a physical interaction between the first device and second device.

3. The method of claim 1, wherein the sending of the first transaction data and the sending of the second transaction data occur substantially simultaneously.

4. The method of claim 2, wherein interaction data representative of the physical interaction between the first device and second device is recorded by a first accelerometer in the first device and a second accelerometer in the second device.

5. The method of claim 3, wherein the second communication mode comprises a short range wireless communication mode.

6. The method of claim 4, wherein the short range wireless communication mode uses NFC technology.

7. The method of claim 1, wherein the first device is a merchant access device and the second device is a consumer'"'"'s mobile phone.

8. The method of claim 6, wherein the consumer'"'"'s mode phone comprises an RFID reader.

9. The method of claim 1, wherein the first communication mode comprises a short range wireless communication mode and the second communication mode comprises Bluetooth or WiFi wireless communication.

10. The method of claim 1 further comprising authenticating the second device.

11. A mobile device comprising:

a processor;

a memory coupled to the processor;

a first communication interface, wherein a transaction at a merchant device is initiated by sending first transaction data using a first communication mode via the first communication interface; and

a second communication interface, wherein the transaction continues by sending second transaction data using a second communication mode via second communication interface and wherein the mobile device and the merchant device are proximate to each other.

12. The mobile device of claim 11, wherein the first communication mode comprises a wireless communication mode based on a physical interaction between the mobile device and merchant device.

13. The mobile device of claim 11, wherein the second communication mode comprises a short range wireless communication mode.

14. The mobile phone of claim 11, wherein the sending of the first transaction data and the sending of the second transaction data occur substantially simultaneously.

15. The mobile phone of claim 11, wherein interaction data representative of the physical interaction between the first device and second device is recorded by a first accelerometer in the first device and a second accelerometer in the second device.

16. The mobile device of claim 11, wherein a remote server computer forwards messages between the mobile device and the merchant device in the first communication mode.

17. The method of claim 11, wherein establishing the first communication mode between the first device and the second device occurs at a merchant location before a consumer selects items to purchase.

18. The method of claim 17, wherein the first device is a consumer mobile phone with a RFID reader configured to read product RFID tags and wherein the consumer mobile phone receives product information based on the product RFID tags using the second communication mode.

19. The method of claim 17, wherein a transaction receipt is transmitted using the second communication mode after at least one product RFID tag has been read by the consumer mobile phone.

20. The method of claim 11, wherein, if the second motion sensor detects an amplitude of movement above a predetermined threshold, a RF transceiver on the second device is activated and placed into transmit mode.