METHODS AND APPARATUS FOR INCENTIVIZING ACTIONS ASSOCIATED WITH USE OF A NFC BASED PAYMENT FORM

• US 20130311248A1
• Filed: 05/17/2012
• Published: 11/21/2013
• Est. Priority Date: 05/17/2012
• Status: Abandoned Application

• Current Assignee: Qualcomm, Inc.
• Original Assignee: Qualcomm, Inc.
• Inventors: Didjusto, Damir, Ganesh, Shriram
• Application Number:
  US13/473,889
• Publication Number:
  US 20130311248A1
• Time in Patent Office: Days
• US Class Current: 705/14.1
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices

Abstract

Aspects disclosed herein relate to providing an incentive structure associated with various actions that are tied to access and/or use of a NFC based payment form. In one example, a NFC device may be configured to determine that a usage value for a NFC device is within a threshold value of a NFC account ceiling value. The NFC device may be further configured to provide a user with one or more actions to perform and information indicating how each of the one or more actions will affect the NFC account ceiling value.

Claims

1. A method of wireless communications, comprising:

determining that a usage value for a near field communication (NFC) device is within a threshold value of a NFC account ceiling value; and

providing a user with one or more actions to perform and information indicating how each of the one or more actions will affect the NFC account ceiling value.

2. The method of claim 1, further comprising:

obtaining the NFC account ceiling value from a user input.

3. The method of claim 1, wherein the NFC account ceiling value includes one or more ceiling values associated with one or more types of NFC enabled actions.

4. The method of claim 1, further comprising:

detecting that a user has performed at least one of the one or more actions;

modifying the NFC account ceiling value based on the information indicating how the action will affect the NFC account ceiling value.

5. The method of claim 4, wherein the modifying further comprises increasing the NFC account ceiling value.

6. The method of claim 4, wherein the modifying further comprises decreasing the NFC account ceiling value.

7. The method of claim 4, wherein the detecting further comprises detecting based on information obtained from at least one of:

a user interface;

an application;

a location sensor;

a gyroscope;

an accelerometer;

a light sensor;

or

an auditory sensor.

8. The method of claim 1, wherein the determining further comprises determining that the user is attempting to perform a NFC action that will result in the NFC account ceiling value being exceeded;

and further comprising;

prohibiting the NFC device from performing the determined NFC action.

9. The method of claim 1, wherein the NFC account ceiling value is associated with funding available through one or more accounts associated with the user.

10. The method of claim 9, wherein the one or more accounts include at least one of a credit card account, or a bank account.

11. A computer program product, comprising:

a computer-readable medium comprising code for;

determining that a usage value for a near field communication (NFC) device is within a threshold value of a NFC account ceiling value; and

providing a user with one or more actions to perform and information indicating how each of the one or more actions will affect the NFC account ceiling value.

12. The computer program product of claim 11, wherein the computer readable medium further comprises code for:

obtaining the NFC account ceiling value from a user input.

13. The computer program product of claim 11, wherein the NFC account ceiling value includes one or more ceiling values associated with one or more types of NFC enabled actions.

14. The computer program product of claim 11, wherein the computer readable medium further comprises code for:

detecting that a user has performed at least one of the one or more actions;

modifying the NFC account ceiling value based on the information indicating how the action will affect the NFC account ceiling value.

15. The computer program product of claim 14, wherein the code for modifying further comprises code for increasing the NFC account ceiling value.

16. The computer program product of claim 14, wherein the code for modifying further comprises code for decreasing the NFC account ceiling value.

17. The computer program product of claim 14, wherein the detecting further comprises detecting based on information obtained from at least one of:

a user interface;

an application;

a location sensor;

a gyroscope;

an accelerometer;

a light sensor;

or

an auditory sensor.

18. The computer program product of claim 11, wherein the computer readable medium further comprises code for:

determining that the user is attempting to perform a NFC action that will result in the NFC account ceiling value being exceeded; and

prohibiting the NFC device from performing the determined NFC action.

19. The computer program product of claim 11, wherein the NFC account ceiling value is associated with funding available through one or more accounts associated with the user.

20. The computer program product of claim 19, wherein the one or more accounts include at least one of a credit card account, or a bank account.

21. An apparatus for communications, comprising:

means for determining that a usage value for a near field communication (NFC) device is within a threshold value of a NFC account ceiling value; and

means for providing a user with one or more actions to perform and information indicating how each of the one or more actions will affect the NFC account ceiling value.

22. The apparatus of claim 21, further comprising:

means for obtaining the NFC account ceiling value from a user input.

23. The apparatus of claim 21, wherein the NFC account ceiling value includes one or more ceiling values associated with one or more types of NFC enabled actions.

24. The apparatus of claim 21, further comprising:

means for detecting that a user has performed at least one of the one or more actions; and

means for modifying the NFC account ceiling value based on the information indicating how the action will affect the NFC account ceiling value.

25. The apparatus of claim 24, wherein the means for modifying further comprises means for increasing the NFC account ceiling value.

26. The apparatus of claim 24, wherein the means for modifying further comprises means for decreasing the NFC account ceiling value.

27. The apparatus of claim 24, wherein the means for detecting further comprises means for detecting based on information obtained from at least one of:

a user interface;

an application;

a location sensor;

a gyroscope;

an accelerometer;

a light sensor;

or

an auditory sensor.

28. The apparatus of claim 21, wherein the means for determining further comprises means for determining that the user is attempting to perform a NFC action that will result in the NFC account ceiling value being exceeded;

and further comprising;

means for prohibiting the NFC device from performing the determined NFC action.

29. The method of claim 21, wherein the NFC account ceiling value is associated with funding available through one or more accounts associated with the user.

30. The method of claim 29, wherein the one or more accounts include at least one of a credit card account, or a bank account.

31. An NFC device for communications, comprising:

one or more applications;

a memory;

a processor coupled to the memory; and

an activity module coupled to at least one of the memory, the processor, or the one or more applications, and configured to;

determine that a usage value for a near field communication (NFC) device is within a threshold value of a NFC account ceiling value; and

provide a user with one or more actions to perform and information indicating how each of the one or more actions will affect the NFC account ceiling value.

32. The apparatus of claim 31, wherein the activity module is further configured to:

obtain the NFC account ceiling value from a user input.

33. The apparatus of claim 31, wherein the NFC account ceiling value includes one or more ceiling values associated with one or more types of NFC enabled actions.

34. The apparatus of claim 31, wherein the activity module is further configured to:

detect that a user has performed at least one of the one or more actions; and

modify the NFC account ceiling value based on the information indicating how the action will affect the NFC account ceiling value.

35. The apparatus of claim 34, wherein the activity module is further configured to increase the NFC account ceiling value.

36. The apparatus of claim 34, wherein the activity module is further configured to decrease the NFC account ceiling value.

37. The apparatus of claim 34, wherein the activity module is further configured to detect based on information obtained from at least one of:

a user interface;

the one or more applications;

a location sensor;

a gyroscope;

an accelerometer;

a light sensor;

or

an auditory sensor.

38. The apparatus of claim 31, wherein the activity module is further configured to:

determine that the user is attempting to perform a NFC action that will result in the NFC account ceiling value being exceeded; and

prohibit the NFC device from performing the determined NFC action.

39. The apparatus of claim 31, wherein the NFC account ceiling value is associated with funding available through one or more accounts associated with the user.

40. The apparatus of claim 39, wherein the one or more accounts include at least one of a credit card account, or a bank account.