SINGLE TAP USING BOTH USER SELECTED PAYMENT METHOD AND USER SELECTED COUPONS
First Claim
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1. A method comprising:
- receiving a near field communication interaction associated with a near field communication payment transaction at a secure element from a point-of-sale terminal, the secure element including a secure element processor and a secure element memory operable to maintain a secure element application and a coupon, wherein the secure element is coupled to a mobile device comprising a mobile device memory, a mobile device processor operable to execute a mobile device application configured to permit the near field communication payment transaction using the secure element, and a mobile device transceiver;
executing the secure element application by using the secure element processor;
transmitting transaction data including payment credentials corresponding to a user selected payment mechanism associated with the executed secure element application from the secure element to the point-of-sale terminal; and
automatically applying the coupon during processing of the near field communication payment transaction.
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Abstract
The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.
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Citations
20 Claims
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1. A method comprising:
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receiving a near field communication interaction associated with a near field communication payment transaction at a secure element from a point-of-sale terminal, the secure element including a secure element processor and a secure element memory operable to maintain a secure element application and a coupon, wherein the secure element is coupled to a mobile device comprising a mobile device memory, a mobile device processor operable to execute a mobile device application configured to permit the near field communication payment transaction using the secure element, and a mobile device transceiver; executing the secure element application by using the secure element processor; transmitting transaction data including payment credentials corresponding to a user selected payment mechanism associated with the executed secure element application from the secure element to the point-of-sale terminal; and automatically applying the coupon during processing of the near field communication payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A mobile device comprising:
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a mobile device memory, a mobile device processor coupled to the mobile device memory; a mobile device transceiver, wherein the mobile device is coupled to a secure element, the secure element comprising; a secure element near field communication transceiver configured to receive a near field communication interaction associated with a near field communication payment transaction from a point-of-sale terminal; a secure element memory operable to maintain a secure element application and a coupon; and a secure element processor operable to execute the secure element application and apply the coupon during processing of a near field communication payment transaction, wherein transaction data including payment credentials corresponding to a user selected payment mechanism are transmitted from the secure element to the point-of-sale terminal. - View Dependent Claims (19, 20)
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Specification