One-Click Offline Buying

• US 20130073448A1
• Filed: 01/30/2012
• Published: 03/21/2013
• Est. Priority Date: 09/18/2011
• Status: Active Grant

• Current Assignee: Google LLC (Alphabet Inc.)
• Original Assignee: Google Inc. (Alphabet Inc.)
• Inventors: Wall, Jonathan, von BEHREN, Rob, COLLINE, Raymond Emmett II
• Granted Patent: US 9,390,414 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes

Abstract

Contactless payment transactions are initiated through single input activation of a mobile device'"'"'s secure element and contactless communication system. Activation of the secure element and the contactless communication system is coupled to the activation status of the mobile device'"'"'s screen. Activation of the secure element may be further coupled to the activation status of an electronic wallet application. Where activation of the electronic wallet application is required, one-click activation of the electronic wallet application and secure element is provided.

Claims

1. A computer-implemented method for initiating a mobile computing device contactless payment transaction, comprising:

detecting, by the mobile device, a screen activation status of the mobile device;

activating, by the mobile device, a contactless communication system of the mobile device and a secure element of the mobile device in response to detecting that the screen activation status is active;

detecting, by the mobile device, a contactless communication reader terminal signal;

establishing, by the mobile device, a contactless communication session with the reader terminal in response to detecting the contactless communication reader terminal signal;

receiving, by the mobile device, information to conduct the payment transaction from the reader terminal; and

communicating, by the contactless communication system of the mobile device, default payment information stored in the secure element of the mobile device to the reader terminal in response to receiving the information to conduct the payment transaction.

2. The method of claim 1, wherein the contactless communication system of the mobile device comprises a near field communication (NFC) controller and antenna.

3. The method of claim 1, wherein the screen activation status of the mobile device is active when powered on and displaying a default home user interface.

4. The method of claim 1, wherein detecting a screen activation status comprises detecting at least one of a direct user input, a movement indicating a user is preparing to use the device, and a voice command.

5. The method of claim 1, wherein detecting the reader terminal signal comprises one of actively or passively detecting the reader terminal radio signal.

6. The method of claim 1, wherein communicating the default payment information is controlled by a control software application module of the secure element.

7. The method of claim 1, further comprising:

receiving, by the mobile device, a one-click input;

activating, by the mobile device, the secure element, wherein activation of the secure element provides access to payment information stored in the secure element;

identifying, by the mobile device, the default payment information stored in the secure element; and

preparing, by the mobile device, the default payment information for communication to the reader terminal.

8. A computer-implemented method for initiating a mobile device contactless payment transaction, comprising:

detecting, by the mobile device, a screen activation status of the mobile device;

detecting, by the mobile device, a contactless communication system activation status of the mobile device;

activating, by the mobile device, a secure element of the mobile device in response to detecting that the mobile device screen and the contactless communication system is active, wherein default payment information is stored in the secure element;

detecting, by the contactless communication system of the mobile device, a signal from a reader terminal; and

communicating, by contactless communication system of the mobile device, the default payment information stored in the secure element of the mobile device to the reader terminal in response to detecting the reader terminal signal.

9. The method of claim 8, wherein activating the secure element comprises:

receiving, by the mobile device, a one-click input;

activating, by the mobile device, the secure element, wherein activation of the secure element provides access to payment information stored in the secure element;

identifying, by the mobile device, the default payment information stored in the secure element; and

preparing, by the mobile device, the default payment information for communication to the reader terminal.

10. The method of claim 9, wherein the one-click input comprises a physical tap, a voice command, selection of a user interface control, selection of a control of the mobile device, or a movement gesture of the mobile device.

11. The method of claim 9, wherein identifying and preparing the default payment information is controlled by a control software application module of the secure element.

12. The method of claim 8, wherein the contactless communication system comprises a near field communication (NFC) controller and antenna.

13. The method of claim 8, wherein the screen activation status of the mobile device is active when powered on and displaying a default home user interface.

14. The method of claim 8, wherein detecting a screen activation status comprises detecting at least one of a direct user input, a movement indicating a user is preparing to use the device, and a voice command.

15. The method of claim 8, wherein detecting the reader terminal radio signal comprises one of actively or passively detecting the reader terminal radio signal.

16. A computer program product, comprising:

a non-transitory computer readable medium having computer-readable program code embodied therein for activating a secure element of a mobile device, the computer-readable medium comprising;

computer-readable program code for receiving a one-click input, wherein the one-click input initiates a contactless payment transaction using default payment information stored in the secure element of the mobile device;

computer-readable program code for communicating the one-click input to the secure element, wherein receipt of the communication by a control software application of the secure element activates the secure element;

computer-readable program code for identifying the default payment information stored in the secure element; and

computer-readable program code for preparing the default payment information for communication by the mobile device to a terminal reader.

17. The computer program product of claim 16, further comprising computer-readable program code for communicating the default payment information from the secure element to a contactless communication system of the mobile device.

18. The computer program product of claim 17, wherein the contactless communication system of the mobile device comprises a near field communication (NFC) controller and antenna.

19. The computer program product of claim 16, wherein the one-click input is a physical tap, a voice command, selection of a user interface control, selection of a control of the mobile device, or a movement gesture of the mobile device.

20. The computer program product of claim 16, wherein the secure element comprises the control software application and at least one card software application, wherein the default payment information is stored in the at least one card software application, and wherein the control software application identifies the default payment information in the at least one card software application.

21. A system for processing mobile device contactless payment transactions, comprising:

a mobile device comprising an electronic wallet application, a secure element, and a contactless communication system; and

a processor communicatively coupled to the electronic wallet application, the secure element, and the mobile device controller, wherein the processor executes application code instructions that are stored in the mobile device controller to

detect a screen activation status of the mobile device screen;

activate the contactless communication system when the screen activation status is active;

activate the secure element when the screen activation status is active;

detect a contactless communication signal of a reader terminal;

access default payment information stored in the secure element; and

communicate, via the contactless communication system, the default payment information to the reader terminal.

22. The system of claim 21, wherein activating the secure element comprises receiving a one-click electronic wallet application input.

23. The system of claim 21, wherein the contactless communication system comprises a near field communication (NFC) controller and antenna.

24. The system of claim 21, wherein detecting the reader terminal signal comprises actively or passively detecting the reader terminal radio signal.