PORTABLE DEVICE WIRELESS READER AND PAYMENT TRANSACTION TERMINAL FUNCTIONALITY WITH OTHER PORTABLE DEVICES
First Claim
1. A computer-implemented method for processing wireless payment transactions, comprising:
- receiving, by a first mobile phone device, a request to conduct a payment transaction using a payment device, wherein the payment device is a second mobile phone device, and wherein the payment device comprises a secure memory and an application capable of transmitting payment account information from the payment device to the first mobile phone device via a radio frequency (RF) wireless communication channel;
in response to receiving the request to conduct the payment transaction, disabling, by the first mobile phone device, a conflicting operating mode that interferes with establishing the RF wireless communication channel between the first mobile phone device and the payment device and reading the payment account information from the payment device;
establishing, by the first mobile phone device, the RF wireless communication channel between the first mobile phone device and the payment device, wherein the first mobile phone device generates an RF field and the payment device is placed within a certain physical proximity of the first mobile phone device to establish the RF wireless communication channel, wherein the certain physical proximity is based at least in part on the strength of the generated RF field;
transmitting, by the first mobile phone device, a payment reading command to the payment device via the RF wireless communication channel, wherein the payment reading command instructs the application on the payment device to transmit payment account information to the first mobile phone device; and
receiving, by the first mobile phone device, the payment account information from the payment device.
2 Assignments
0 Petitions
Accused Products
Abstract
A user accesses an application on a reader mode device, activating a reader communication mode and disabling conflicting communication modes. The reader mode device activates a radio frequency field and creates a secure communication channel with a payment device. A secure element application on the reader mode device requests and receives payment information from a payment device. The secure element application on the reader mode device decrypts the payment information and requests account verification from the user. The secure element application on the reader mode device receives input from the user and verifies the payment information. In response to verifying the account information, the secure element application on the reader mode device encrypts the payment information and transmits it to a payment processing system. The payment processing system processes the payment transaction and transmits a notice of approved or declined transaction to the reader mode device.
245 Citations
20 Claims
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1. A computer-implemented method for processing wireless payment transactions, comprising:
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receiving, by a first mobile phone device, a request to conduct a payment transaction using a payment device, wherein the payment device is a second mobile phone device, and wherein the payment device comprises a secure memory and an application capable of transmitting payment account information from the payment device to the first mobile phone device via a radio frequency (RF) wireless communication channel; in response to receiving the request to conduct the payment transaction, disabling, by the first mobile phone device, a conflicting operating mode that interferes with establishing the RF wireless communication channel between the first mobile phone device and the payment device and reading the payment account information from the payment device; establishing, by the first mobile phone device, the RF wireless communication channel between the first mobile phone device and the payment device, wherein the first mobile phone device generates an RF field and the payment device is placed within a certain physical proximity of the first mobile phone device to establish the RF wireless communication channel, wherein the certain physical proximity is based at least in part on the strength of the generated RF field; transmitting, by the first mobile phone device, a payment reading command to the payment device via the RF wireless communication channel, wherein the payment reading command instructs the application on the payment device to transmit payment account information to the first mobile phone device; and receiving, by the first mobile phone device, the payment account information from the payment device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computer program product, comprising:
a non-transitory computer-readable medium having computer-readable program instructions embodied therein that when executed by a computing device operated by a user cause the computing device to process wireless payment transactions, the computer-readable instructions comprising; computer-readable program instructions for receiving a request to conduct a payment transaction using a payment device, wherein the payment device comprises a secure memory and an application capable of transmitting payment account information from the payment device to the computing device via a radio frequency (RF) wireless communication channel, and wherein the payment device and the computing device are separate and distinct; in response to receiving the request to conduct the payment transaction, computer-readable program instructions for disabling a conflicting operating mode that interferes with establishing the RF wireless communication channel between the computing device and the payment device and reading the payment account information from the payment device; computer-readable program instructions for transmitting a payment reading command to the payment device via the RF wireless communication channel, wherein the payment reading command instructs the application on the payment device to transmit payment account information to the computing device; and computer-readable program instructions for receiving the payment account information from the payment device. - View Dependent Claims (14, 15, 16)
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17. A system for processing wireless payment transactions, the system comprising:
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a storage medium; and a processor communicatively coupled to the storage medium, wherein the processor executes application code instructions that are stored in the storage medium and that cause the system to; in response to receiving a request to conduct a payment transaction with a payment device, disable a conflicting operating mode that interferes with establishing an RF wireless communication channel with a payment device and reading the payment account information from the payment device, wherein the payment device comprises a secure memory and an application capable of transmitting payment account information from the payment device to the first mobile phone device via a radio frequency (RF) wireless communication channel; transmit a payment reading command to the payment device via the RF wireless communication channel, wherein the payment reading command instructs the application on the payment device to respond with payment account; and receive the payment account information from the payment device. - View Dependent Claims (18, 19, 20)
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Specification