PAYMENT OR OTHER TRANSACTION THROUGH MOBILE DEVICE USING NFC TO ACCESS A CONTACTLESS TRANSACTION CARD

• US 20140138435A1
• Filed: 11/20/2012
• Published: 05/22/2014
• Est. Priority Date: 11/20/2012
• Status: Active Grant

• Current Assignee: Cellco Partnership, Inc. (Verizon Communications Inc.)
• Original Assignee: Cellco Partnership, Inc. (Verizon Communications Inc.)
• Inventors: KHALID, Mohammad Raheel
• Granted Patent: US 9,038,894 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• 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

Abstract

A mobile device utilizes an embedded near field communication (NFC) capability to interact with a contactless transaction card to automatically obtain information from the card, e.g. reducing or eliminating the burden of manual user entry of the account information or the like into the mobile device. The mobile device, for a financial account transaction example, may read the information from the card at the time of a transaction, e.g. to facilitate an on-line purchase, an in-store purchase, ATM transaction or the like. The mobile device may store the information from one or more contactless transaction cards, for use in future transactions of various types. The mobile device and/or a server in communication with the mobile device may track various user activities on the mobile device that also utilize information obtained from the contactless transaction card.

Claims

1. A mobile device, comprising:

a wireless transceiver configured to enable wireless data communication via a network;

a near field communication transceiver; and

a processor coupled to the wireless transceiver and the near field communication transceiver, wherein the processor is configured to cause the mobile device to perform functions, including functions to;

detect, via the near field communication transceiver, proximity of a contactless transaction card;

responsive to detecting the contactless transaction card receive a data exchange message from the contactless transaction card;

identify that the contactless transaction card is capable of secure communication based on one or more characteristics of the received message;

responsive to identifying that the contactless transaction card is capable of secure communication, perform the secure communication with the contactless transaction card using an EMV communication protocol via the near field communication transceiver, to automatically obtain information from the contactless transaction card; and

utilize the information obtained from the contactless transaction card to perform an action via the mobile device.

2. The mobile device of claim 1, wherein the processor is further configured to cause the mobile device to perform the action by wireless data communication via ache network using the wireless transceiver, the wireless data communication including at least some of the information obtained from the contactless transaction card.

3. The mobile device of claim 1, wherein the processor is further configured to cause the mobile device to perform the action by transmitting at least some of the information obtained from the contactless transaction card via the near field communication transceiver.

4. The mobile device of claim 1, further comprising:

at least one user interface element coupled to the processor,

wherein the processor is further configured to cause the mobile device to provide information about the action performed, including at least some of the information obtained from the contactless transaction card, for a user of the mobile device and/or to receive input from the user regarding the action, via the at least one user interface element.

5. The mobile device of claim 4, further comprising:

a memory accessible by the processor; and

programming stored in the memory for execution by the processor, the programming comprising an application program,

wherein execution of the programming configures the processor to cause the mobile device to perform the action and,

the application program includes an embedded library, execution of which configures the processor to cause the mobile device to implement the communication with the contactless transaction card via the near field communication transceiver.

7. The mobile device of claim 1, wherein the processor is further configured to:

obtain information indicating a location of the mobile device at or around a time of the action; and

use the information indicating the location of the mobile device in the performance of the action.

8. The mobile device of claim 7, further comprising:

a global positioning satellite (GPS) receiver,

wherein the processor is configured to obtain the information indicating the location of the mobile device based at least in part on processing of received GPS satellite signals by the GPS receiver.

9. The mobile device of claim 7, further comprising:

a memory accessible by the processor,

wherein the processor is further configured to store a record of the action, including the information indicating the location of the mobile device at or around the time of the action, in the memory.

22. The mobile device of claim 4, wherein the processor is further configured to:

cause the mobile device, during the secure communication, to prompt the user of the mobile device for additional information via the at least one user interface element; and

complete the secure communication to obtain the information from the contactless transaction card responsive to the additional information input by the user via the at least one user interface element.

23. The mobile device of claim 4, wherein the processor is further configured to:

detect an error during the secure communication with the contactless transaction card; and

responsive to the detected error, cause the mobile device to prompt the user of the mobile device for additional information via the at least one user interface element, the additional information being used to complete the secure communication or to restart the secure communication.

6. (canceled)

10. (canceled)

11. An article of manufacture comprising:

a non-transitory machine readable medium, and

programming embodied in the medium, wherein execution of the programming by a processor of a mobile device configures the mobile device to perform functions, including functions to;

detect, via a near field communication transceiver of the mobile device, proximity of a contactless transaction card;

responsive to detecting the contactless transaction card, receive a data exchange message from the contactless transaction card;

identify that the contactless transaction card is capable of secure communication based on one or more characteristics of the received message;

responsive to identifying that the contactless transaction card is capable of secure communication, perform the secure communication with the contactless transaction card using an EMV communication protocol via the near field communication transceiver, to automatically obtain account information from the contactless transaction card; and

utilize the information obtained from the contactless transaction card to perform an action via the mobile device.

12. The article of claim 11, wherein:

the programming comprises an application program, execution of which configures the processor to cause the mobile device to perform the action, and

the application program includes an embedded library, execution of which configures the processor to cause the mobile device to implement the communication with the contactless transaction card via the near field communication transceiver.

13. The article of claim 12, wherein execution of the programming further configures the processor to cause the mobile device to determine a location of the mobile device at or around a time of the action and use the information indicating the location of the mobile device in the performance of the action.

14. A method comprising steps of:

detecting via a near field communication sensor in a mobile device when a contactless transaction card comes within proximity of the near field communication sensor;

responsive to the detecting of the contactless transaction card coming within proximity of the near field communication sensor, receiving a data exchange message from the contactless transaction card;

identifying that the contactless transaction card is capable of secure communication based on one or more characteristics of the received message;

responsive to identifying that the contactless transaction card is capable of secure communication, performing the secure communication with the contactless transaction card using an EMV communication protocol via a near field communication transceiver, to automatically obtain information from the contactless transaction card; and

performing an action using the obtained information via the mobile device.

15. The method of claim 14, wherein:

the action is an on-line transaction on a financial account identified by the information obtained from the contactless transaction card, and

performing the action includes mobile device communication via a network of at least some of the information obtained from the contactless transaction card to identify the financial account.

17. The method of claim 14, wherein performing the action includes communication of at least some of the information obtained from the contactless transaction card to another device via the near field communication transceiver.

18. The method of claim 17, wherein:

the at least some of the information identifies a financial account associated with the contactless transaction card; and

the action implements a financial transaction at an enterprise establishment utilizing the identified financial account.

19. The method of claim 14, further comprising steps of:

determining a location of the mobile device at or around a time of the action; and

using information indicating the determined location in the performance of the action.

20. The method of claim 19, wherein the step of using the information indicating the determined location comprises including the information indicating the determined location in a record of the action stored in a memory of the mobile device.

21. The method of claim 19, wherein the step of using the information indicating the determined location comprises sending the information indicating the determined location via a network to a server for use in tracking activities of the mobile device.

24. The method of claim 14, wherein the step of performing the secure communication with the contactless transaction card comprises:

sending a processing data objects list associated with the action to the contactless transaction card;

responsive to the processing data objects list, receiving an application interchange profile (AIP) and an application file locator (AFL) associated with the EMV communication protocol; and

performing the EMV communication protocol based on the received AIP and the received AFL.

16. (canceled)