System and Method for Providing Contactless Payment with a Near Field Communications Attachment

• US 20130095810A1
• Filed: 05/11/2012
• Published: 04/18/2013
• Est. Priority Date: 10/17/2011
• Status: Abandoned Application

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: Poole, Thomas, MORETON, Paul Young
• Application Number:
  US13/469,363
• Publication Number:
  US 20130095810A1
• Time in Patent Office: Days
• US Class Current: 455/418
• CPC Class Codes: G06K 19/0727 the arrangement being a circuit facilitating integration of the record carrier with a hand-held device such as a smart phone of PDA
• CPC Class Codes: G06K 19/07769 the further communication means being a galvanic interface, e.g. hybrid or mixed smart cards having a contact and a non-contact interface
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• CPC Class Codes: G06Q 20/308 using the Internet of Things
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-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
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography
• CPC Class Codes: H04B 5/72 for local intradevice communication
• CPC Class Codes: H04B 5/77 for interrogation
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.

Claims

1. A contactless payment attachment, comprising:

a near field communication antenna;

a secure element; and

a plug capable of connecting the attachment to an audio jack on a mobile device.

2. The contactless payment attachment of claim 1, further comprising an input/output module.

3. The contactless payment attachment of claim 1, wherein the secure element comprises at least one computer processor and at least one secure storage module.

4. The contactless payment attachment of claim 1, further comprising a mechanical switch to enable functionality.

5. The contactless payment attachment of claim 1, further comprising a mechanical button to enable functionality.

6. The contactless payment attachment of claim 1, further comprising an audio jack capable of receiving a standard audio plug.

7. A method for initializing an attachment, comprising the steps of:

receiving a secure element provisioning signal from a trusted service manager;

using one or more computer processors, sending at least one provisioning instruction through an audio jack to the attachment; and

binding the attachment to at least one device.

8. The method of claim 7, wherein the at least one provisioning instruction comprises data related to a financial account.

9. The method of claim 7, wherein the provisioning comprises sending to the attachment information related to a plurality of credit accounts.

10. The method of claim 7, further comprising the step of restricting software functionality on the at least one mobile device if the attachment is disconnected from the device.

11. The method of claim 7, wherein binding the attachment to at least one device further comprises binding that attachment to at least two devices.

12. The method of claim 11, wherein binding the attachment to at least two devices further comprises binding that attachment to at least two devices selected from the group of cellular phones, personal computers, automobiles, televisions, and home gaming systems.

13. A method of providing contactless payment, comprising the steps of:

receiving, at a computer processor, a payment initiation instruction from a customer; and

using a near field communication antenna, sending payment information to a point of sale device;

using one or more computer processors, encoding data related to the payment as audio data; and

transmitting the data related to the payment through an audio jack.

14. The method of claim 13 further comprising the step of receiving a transaction confirmation from the point of sale device.

15. The method of claim 13, further comprising the step of presenting additional information about the transaction to the customer.

16. The method of claim 15, wherein the additional information comprises a information about a consumer product related to the transaction.

17. The method of claim 13, further comprising the step of presenting a loan offer to the customer at the time of the transaction.

18. The method of claim 13, further comprising the step of utilizing reward or loyalty points to pay for the transaction.

19. The method of claim 13, further comprising the step of generating a dynamic card security code at the time of the transaction.

20. The method of claim 13, further comprising the step of receiving a payment confirmation.

21. The method of claim 20, further comprising the step of encoding a payment confirmation message as an audio signal.

22. A method of claim 21, further comprising the step of outputting the encoded payment confirmation message through an audio jack.

23. The method of claim 13, further comprising the step of receiving, at a computer processor, an unlock instruction from a user.

24. A method of providing data exchange, comprising the steps of:

using a near field communication antenna, sending outgoing data to a device;

using the near field communication antenna, receiving incoming data from a device;

using one or more computer processors, encoding one of the incoming or outgoing data as audio data; and

transmitting the audio data through an audio jack.

25. A method of providing data exchange, comprising the steps of:

using a near field communication antenna, sending at least one piece of data to an RFID tag reader;

using one or more computer processors, encoding one or more pieces of data related to the data sent to the RFID tag reader; and

transmitting the data through an audio jack.

26. A method of providing data exchange, comprising the steps of:

using a near field communication antenna, receiving at least one piece of data from an RFID tag;

using one or more computer processors, encoding one or more pieces of data related to the data received from the RFID tag reader; and

transmitting the data through an audio jack.

27. A method of providing a contactless transaction, comprising the steps of:

using one or more computer processors, receiving at least one activation signal;

transmitting transaction information through a near field communication antenna; and

using one or more electronic displays, displaying information to a user about the transaction.

28. The method of claim 27, wherein the at least one activation signal comprises a signal indicating that a mechanical knob has been rotated.

29. The method of claim 27, wherein the at least one activation signal comprises a signal indicating the entry of a PIN code.

30. The method of claim 27, wherein the at least one activation signal comprises a signal indicating a motion gesture has been performed.