ONLINE SHOPPING USING NFC AND A POINT-OF-SALE TERMINAL

• US 20130103511A1
• Filed: 12/10/2012
• Published: 04/25/2013
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc.
• Original Assignee: Blaze Mobile, Inc.
• Inventors: Fisher, Michelle
• Granted Patent: US 9,026,459 B2
• Time in Patent Office: Days
• US Class Current: 705/17
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network 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 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• 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 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 : insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 : Electronic credentials
• CPC Class Codes: G06Q 20/40 : Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 : Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/409 : Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0238 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0251 : Targeted advertisements
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0255 : based on user history
• CPC Class Codes: G06Q 30/0267 : Wireless devices
• CPC Class Codes: G06Q 30/0268 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 : Third-party assisted
• CPC Class Codes: G06Q 30/0635 : Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/10 : Tax strategies
• CPC Class Codes: G06Q 40/12 : Accounting
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04B 5/70 : specially adapted for specific purposes
• CPC Class Codes: H04M 1/72445 : for supporting Internet browser applications
• CPC Class Codes: H04N 21/812 : involving advertisement data advertising per se G06Q30/02
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/18 : Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 4/21 : for social networking applications
• 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
• CPC Class Codes: H04W 8/205 : Transfer to or from user equipment or user record carrier
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Claims

1. A point of sale terminal comprising:

a terminal display interface configured to receive a request from a user selecting an item for purchase;

a terminal memory configured to maintain a terminal near field communication (NFC) application and transaction data;

a terminal processor configured to trigger an NFC induction interaction with a secure element and activate a secure element processor included in the secure element, wherein the secure element processor executes an NFC application stored in a secure element memory included in the secure element; and

a terminal NFC transceiver configured to receive transaction data including payment credentials from the secure element, the secure element coupled with a mobile device wherein the mobile device comprises a mobile device memory, a mobile device processor configured to execute a mobile application, and a mobile device transceiver.

2. The point of sale terminal of claim 1, wherein the point of sale terminal is a desktop computer, a laptop computer, or a thin client, and wherein the point of sale terminal includes an NFC chip configured as an NFC scanner and an NFC reader.

3. The point of sale terminal of claim 1, further comprising automatically applying a coupon during the near field communication transaction.

4. The point of sale terminal of claim 3, further comprising automatically applying a default payment method during the near field communication transaction.

5. The point of sale terminal of claim 1, wherein a receipt, ticket, or coupon is sent to the mobile device after the transaction.

6. The point of sale terminal of claim 5, wherein the management server sends the digital artifact to the mobile device when the user browses a particular screen of the mobile application that specifies location-based services.

7. The point of sale terminal of claim 1, wherein the item is included in a virtual shopping list received at the mobile device through a near field communication interaction.

8. The point of sale terminal of claim 1, wherein the secure element is physically coupled to the mobile device but electrically decoupled from electrical interior components of the mobile device.

9. The point of sale terminal of claim 1, wherein the secure element is physically coupled to the mobile device and electrically coupled to electrical interior components of the mobile device.

10. The point of sale terminal of claim 1, wherein the secure element is included within the body of a memory card configured for placement in a memory card slot in the mobile device.

11. The point of sale terminal of claim 1, wherein the secure element is embedded within the body of the mobile device.

12. The point of sale terminal of claim 1, wherein a security tool is implemented at the mobile application, and wherein implementation of the security tool comprises prompting the user to login to the mobile device, using biometrics to authenticate the user before authorizing a transaction, disabling use of the mobile application, prompting the user to enter a payment limit PIN in response to a pending purchase exceeding a pre-determined amount, temporarily disabling the secure element, permanently disabling the secure element, deleting all cached data stored in the mobile device memory, and/or storing encrypted security codes on the mobile device, wherein disabling the secure element prevents near field communication payments, coupon redemption, and ticket redemption.

13. A method comprising:

receiving a request from a user selecting an item for purchase at a point of sale terminal;

maintaining a terminal near field communication (NFC) application and transaction data in a terminal memory;

triggering an NFC induction interaction with a secure element and activating a secure element processor included in the secure element by using a terminal processor, wherein the secure element processor executes an NFC application stored in a secure element memory included in the secure element; and

receiving transaction data including payment credentials from the secure element by using a terminal NFC transceiver, the secure element coupled with a mobile device wherein the mobile device comprises a mobile device memory, a mobile device processor configured to execute a mobile application, and a mobile device transceiver.

14. The method of claim 13, wherein the point of sale terminal is a desktop computer, a laptop computer, or a thin client, and wherein the point of sale terminal includes an NFC chip configured as an NFC scanner and an NFC reader.

15. The method of sale terminal of claim 13, further comprising automatically applying a coupon during the near field communication transaction.

16. The method of claim 15, further comprising automatically applying a default payment method during the near field communication transaction

17. The method of claim 13, wherein a receipt, ticket, or coupon is sent to the mobile device after the transaction

18. The method of claim 17, wherein the management server sends the digital artifact to the mobile device when the user browses a particular screen of the mobile application that specifies location-based services.

19. The method of claim 13, wherein the item is included in a virtual shopping list received at the mobile device through a near field communication interaction.

20. The method of claim 13, wherein the secure element is physically coupled to the mobile device but electrically decoupled from electrical interior components of the mobile device.