ADDING CARD TO MOBILE/CLOUD WALLET USING NFC

• US 20130200146A1
• Filed: 02/01/2013
• Published: 08/08/2013
• Est. Priority Date: 02/03/2012
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Moghadam, Ali Minaei
• Granted Patent: US 9,218,624 B2
• Time in Patent Office: Days
• US Class Current: 235/379
• CPC Class Codes: G06K 7/10366 the interrogation device being adapted for miscellaneous applications
• 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3567 Software being in the reader
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• 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 88/02 Terminal devices

Abstract

A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user'"'"'s mobile/cloud wallet.

Claims

1. A system comprising:

a memory storing information about user accounts, where the information comprises funding card information; and

one or more hardware processors in communication with the memory, wherein the one or more hardware processors performs;

receiving a request from a user device to add a funding card;

receiving details from the funding card in response to a near field communication (NFC) between the funding card and the user device;

authenticating a user of the user device; and

adding the funding card to the user account.

2. The system of claim 1, wherein the funding card is an NFC-enabled funding card.

3. The system of claim 1, wherein the request is from a mobile app on the user device.

4. The system of claim 1, wherein the details comprise a card number and a card expiration date.

5. The system of claim 1, wherein the authenticating comprises determining whether a name and address of the user matches a name and address associated with a holder of the funding card.

6. The system of claim 5, wherein the name and address of the user is obtained from a user account with the payment provider.

7. The system of claim 5, wherein the name and address of the user is obtained from user entry into the user device.

8. The system of claim 1, wherein the authenticating comprises receiving a valid PIN associated with the funding card from the user.

9. The system of claim 1, wherein the authenticating comprises receiving a valid card security code from the user.

10. A method of adding a card to a user account, comprising:

receiving, electronically, a request from a user device to add the card;

receiving, electronically, details from the card in response to a near field communication (NFC) between the card and the user device;

authenticating, by a hardware processor of a payment provider, a user of the user device; and

adding, by the hardware processor, the card to the user account.

11. The method of claim 10, wherein the request is from a mobile app on the user device.

12. The method of claim 10, wherein the details comprise a card number and a card expiration date.

13. The method of claim 10, wherein the authenticating comprises determining whether a name and address of the user matches a name and address associated with a holder of the card.

14. The method of claim 10, wherein the authenticating comprises receiving a valid card security code from the user.

15. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:

receiving a request from a user device to add a funding card;

receiving details from the funding card in response to a Near Field Communication (NFC) between the funding card and the user device;

authenticating a user of the user device; and

adding the funding card to the user account.

16. The non-transitory machine-readable medium of claim 15, wherein the request is from a mobile app on the user device.

17. The non-transitory machine-readable medium of claim 15, wherein the details comprise a card number and a card expiration date.

18. The non-transitory machine-readable medium of claim 15, wherein the authenticating comprises determining whether a name and address of the user matches a name and address associated with a holder of the funding card.

19. The non-transitory machine-readable medium of claim 18, wherein the name and address of the user is obtained from a user account with the payment provider.

20. The non-transitory machine-readable medium of claim 18, wherein the name and address of the user is obtained from user entry into the user device.

21. The non-transitory machine-readable medium of claim 15, wherein the authenticating comprises receiving a valid PIN associated with the funding card from the user.

22. The non-transitory machine-readable medium of claim 15, wherein the authenticating comprises receiving a valid card security code from the user.