SYSTEMS AND METHODS FOR PROVIDING NEAR FIELD COMMUNICATIONS

• US 20140081849A1
• Filed: 09/12/2013
• Published: 03/20/2014
• Est. Priority Date: 09/17/2012
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Financial Corporation
• Inventors: VARVAREZIS, PANAYIOTIS
• Granted Patent: US 9,852,419 B2
• Time in Patent Office: Days
• US Class Current: 705/39
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices

Abstract

Methods and systems are disclosed for providing Near Field Communications. In certain embodiments, an Android mobile operating system based mobile device is configured with software that, when executed by one or more processors, determines whether the mobile device is to perform an NFC communication with a contactless payment terminal (CPT) using a secure element associated with an NFC controller included in the mobile device. Based on the determination, the mobile device is configured to execute software that performs communications with the CPT using the NFC controller.

Claims

1. A mobile device for processing transactions, comprising:

a processor; and

memory storing instructions that, when executed by the processor, perform operations comprising;

initializing a discovery mode to detect a contactless payment terminal;

identifying a near field communication protocol associated with the contactless payment terminal;

providing a selection to the user regarding whether or not to use a secure element to perform a transaction when the near field communication protocol is not supported by an operating system associated with the mobile device; and

conducting the transaction based at least on the user selection.

2. The mobile device of claim 1, wherein the memory stores instructions that, when executed by the processor, perform further operations comprising:

conducting the transaction using the secure element when the user indicates a selection of the secure element in response to the query.

3. The mobile device of claim 1, wherein the memory stores instructions that, when executed by the processor, perform further operations comprising:

requesting access to a NFC controller of the mobile device; and

detecting, using the NFC controller, that the mobile device is within a predetermined range of a CPT.

4. The mobile device of claim 1, wherein the memory stores instructions that, when executed by the processor, perform further operations comprising:

conducting the transaction without using the secure element when the user indicates a selection not to use the secure element in response to the query.

5. The mobile device of claim 1, wherein the transaction comprising at least one of a financial, product tracking, or information collecting transaction.

6. The mobile device of claim 1, wherein the mobile device initializes the discovery mode based on at least one of receiving a user command to initiate a program associated with near field communication, receiving a user command to initiate a program associated with financial transactions, or receiving a message from the contactless payment terminal regarding an upcoming financial transaction.

7. A method for processing transactions, comprising:

initializing, via one or more processors, a discovery mode to detect a contactless payment terminal;

identifying a near field communication protocol associated with the contactless payment terminal;

providing a selection to the user regarding whether or not to use a secure element to perform a transaction when the near field communication protocol is not supported by an operating system associated with the mobile device; and

conducting, via the one or more processors, the transaction based at least on the user selection.

8. The method of claim 7, further comprising:

conducting the transaction using the secure element when the user indicates a selection of the secure element in response to the query.

9. The method of claim 7, further comprising:

requesting access to a NFC controller of the mobile device; and

detecting, using the NFC controller, that the mobile device is within a predetermined range of a CPT.

10. The method of claim 7, further comprising:

conducting the transaction without using the secure element when the user indicates a selection not to use the secure element in response to the query.

11. The method of claim 7, wherein the transaction comprising at least one of a financial, product tracking, or information collecting transaction.

12. The method of claim 7, wherein initializing the discovery mode is based on at least one of receiving a user command to initiate a program associated with near field communication, receiving a user command to initiate a program associated with financial transactions, or receiving a message from the contactless payment terminal regarding an upcoming financial transaction.

13. A non-transitory computer readable medium storing instructions that, when executed by a processor, cause the processor to perform operations comprising:

initializing, via one or more processors, a discovery mode to detect a contactless payment terminal;

identifying a near field communication protocol associated with the contactless payment terminal;

providing a selection to the user regarding whether or not to use a secure element to perform a transaction when the near field communication protocol is not supported by an operating system associated with the mobile device; and

conducting, via the one or more processors, the transaction based at least on the user selection.

14. The medium of claim 13, further storing instructions for:

conducting the transaction using the secure element when the user indicates a selection of the secure element in response to the query.

15. The medium of claim 13, further storing instructions for:

requesting access to a NFC controller of the mobile device; and

detecting, using the NFC controller, that the mobile device is within a predetermined range of a CPT.

16. The medium of claim 13, further storing instructions for:

conducting the transaction without using the secure element when the user indicates a selection not to use the secure element in response to the query.

17. The medium of claim 13, wherein the transaction comprising at least one of a financial, product tracking, or information collecting transaction.

18. The medium of claim 13, wherein initializing the discovery mode is based on at least one of receiving a user command to initiate a program associated with near field communication, receiving a user command to initiate a program associated with financial transactions, or receiving a message from the contactless payment terminal regarding an upcoming financial transaction.