WIRELESS READER AND PAYMENT TRANSACTION TERMINAL FUNCTIONALITY WITHIN A PORTABLE DEVICE
First Claim
1. A computer-implemented method for processing payment transactions, comprising:
- receiving, by a computing device, a request to conduct a payment transaction with a payment device, wherein the payment device comprises a secure memory and an application capable of transmitting payment account information to the computing device via a radio frequency (RF) wireless communication channel, wherein the payment device and the computing device are separate and distinct;
disabling, by the computing device, 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, wherein the conflicting operating mode comprise instructions to communicate via a cellular network;
establishing, by the computing device, the RF wireless communication channel between the computing device and the payment device, wherein the computing device generates an RF field and the payment device is placed within a predefined physical proximity of the computing device to establish the RF wireless communication channel;
transmitting, by the computing 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 encrypted payment account information to the computing device; and
receiving, by the computing device, the encrypted 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.
228 Citations
20 Claims
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1. A computer-implemented method for processing payment transactions, comprising:
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receiving, by a computing device, a request to conduct a payment transaction with a payment device, wherein the payment device comprises a secure memory and an application capable of transmitting payment account information to the computing device via a radio frequency (RF) wireless communication channel, wherein the payment device and the computing device are separate and distinct; disabling, by the computing device, 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, wherein the conflicting operating mode comprise instructions to communicate via a cellular network; establishing, by the computing device, the RF wireless communication channel between the computing device and the payment device, wherein the computing device generates an RF field and the payment device is placed within a predefined physical proximity of the computing device to establish the RF wireless communication channel; transmitting, by the computing 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 encrypted payment account information to the computing device; and receiving, by the computing device, the encrypted payment account information from the payment device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. 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 instructions for disabling a conflicting operating mode that interferes with establishing an RF wireless communication channel between a computing device and 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 to the computing device via a radio frequency (RF) wireless communication channel; computer-readable instructions for establishing the RF wireless communication channel between the computing device and the payment device; computer-readable 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 instructions for receiving the payment account information from the payment device. - View Dependent Claims (12, 13, 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; disable a conflicting operating mode that interferes with establishing an radio frequency (RF) wireless communication channel between a computing device and a payment device and reading payment account information from the payment device, wherein the payment device comprises a secure memory and an application capable of transmitting payment account information 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 transmit a payment reading command to a payment device via a RF wireless communication channel, wherein the payment reading command instructs the application on the payment device to transmit encrypted payment account information to the computing device; and receive the encrypted payment account information from the payment device. - View Dependent Claims (18, 19, 20)
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Specification