SINGLE TAP TRANSACTIONS USING A MOBILE DEVICE
First Claim
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1. A method comprising:
- maintaining a mobile application in a mobile device memory of a mobile device, the mobile device including a mobile device display, a mobile device radio transceiver, and a mobile device processor;
executing the mobile application using the mobile device processor, wherein execution permits a near field communication (NFC) transaction with a point-of-sale terminal, wherein a secure element application is executed by a secure element processor upon receiving a near field communication interaction to send transaction data including payment credentials corresponding to a default payment mechanism from the secure element to the point-of-sale terminal, wherein the secure element is coupled to the mobile device, and wherein a coupon is automatically applied during processing of a 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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maintaining a mobile application in a mobile device memory of a mobile device, the mobile device including a mobile device display, a mobile device radio transceiver, and a mobile device processor; executing the mobile application using the mobile device processor, wherein execution permits a near field communication (NFC) transaction with a point-of-sale terminal, wherein a secure element application is executed by a secure element processor upon receiving a near field communication interaction to send transaction data including payment credentials corresponding to a default payment mechanism from the secure element to the point-of-sale terminal, wherein the secure element is coupled to the mobile device, and wherein a coupon is automatically applied during processing of a 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 configured to maintain a mobile application; a mobile device display; a mobile device radio transceiver; and a mobile device processor configured to execute a mobile application, wherein execution permits a near field communication (NFC) transaction with a point-of-sale terminal, wherein a secure element application is executed by a secure element processor upon receiving a near field communication interaction to send transaction data including payment credentials corresponding to a default payment mechanism from the secure element to the point-of-sale terminal, the secure element coupled to the mobile device, and wherein a coupon is automatically applied during processing of a near field communication payment transaction. - View Dependent Claims (19, 20)
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Specification