Using Harvested Power for NFC Transactions
First Claim
1. A method for conducting a near field communication transaction between a mobile communications device and a point-of-sale terminal, the method comprising:
- maintaining a payment application and payment credentials in a memory of a secure element, the secure element physically coupled to the mobile communication device but electrically decoupled from electrical interior components of the mobile communications device and harvests power from ambient RF signals, wherein execution of the payment application operates above the physical communication layer and facilitates the transfer of payment credentials with a point-of-sale terminal;
initiating in response to near field communication trigger between the secure element and the point of sale terminal, executing-a payment application stored in memory of the secure element by using a processor in the secure element, wherein the mobile communications device supports a first communication channel;
transmitting in response to near field communication trigger between the secure element and the point of sale terminal without authentication, transaction data by using the payment application and a wireless transceiver capable of near field communications in the secure element, wherein transaction data is sent through a second communication channel to the point-of-sale terminal, wherein the second communication channel is different from the first communication channel.
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Accused Products
Abstract
In some embodiments, a system includes a mobile communication device and a secure element physically coupled to the mobile communication device. The mobile communication device includes a first wireless transceiver, first processor, and first memory. The secure element includes a second wireless transceiver, second processor, and second memory. The mobile communication device is configured to transmit data via the first wireless transceiver to the secure element in packets, using a packet protocol. The secure element is configured to transmit data via the second wireless transceiver to the mobile communication device in messages, using a messaging protocol distinct from the packet protocol.
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Citations
20 Claims
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1. A method for conducting a near field communication transaction between a mobile communications device and a point-of-sale terminal, the method comprising:
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maintaining a payment application and payment credentials in a memory of a secure element, the secure element physically coupled to the mobile communication device but electrically decoupled from electrical interior components of the mobile communications device and harvests power from ambient RF signals, wherein execution of the payment application operates above the physical communication layer and facilitates the transfer of payment credentials with a point-of-sale terminal; initiating in response to near field communication trigger between the secure element and the point of sale terminal, executing-a payment application stored in memory of the secure element by using a processor in the secure element, wherein the mobile communications device supports a first communication channel; transmitting in response to near field communication trigger between the secure element and the point of sale terminal without authentication, transaction data by using the payment application and a wireless transceiver capable of near field communications in the secure element, wherein transaction data is sent through a second communication channel to the point-of-sale terminal, wherein the second communication channel is different from the first communication channel. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A communications device for conducting a near field communication transaction with a point-of-sale terminal, the mobile communications device comprising:
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a mobile communications device transceiver supporting a first communication channel; a mobile communications device memory configured to maintain a payment application and payment credentials; and a mobile communications device processor coupled to the mobile communications device transceiver and the mobile communications device memory; wherein a secure element is physically coupled to the mobile communications device but electrically decoupled from the electrical interior components of the mobile communications device and harvests power from ambient RF signals, a payment application that operates above the physical communication layer and stored in memory of the secure element is executed in response to an initial detection of a near field communication trigger by the point-of-sale terminal and a wireless transceiver in the secure element that is capable of near field communication is used to send transaction data using the payment application in response to near field communication trigger between the secure element and the point of sale terminal through a second communication channel to the point-of-sale terminal without authentication, wherein the second communication channel is different from the first communication channel. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
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20. A non-transitory computer readable storage medium comprising:
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computer code for maintaining a payment application and payment credentials in a memory of a secure element, the secure element physically coupled to the mobile communication device but electrically decoupled from electrical interior components of the mobile communications device and harvests power from ambient RF signals, wherein initiation, in response to near field communication trigger between the secure element and the point of sale terminal execution of the payment application facilitates the transfer of payment credentials with a point-of-sale terminal without authentication; computer code for executing a payment application stored in memory of the secure element by using a processor in the secure element, wherein the payment application operates above the physical communication layer and is executed in response to detection of a near field communication-trigger by a point-of-sale terminal, wherein the mobile communications device supports a first communication channel; computer code for transmitting transaction data in response to near field communication trigger between the secure element and the point of sale terminal by using the payment application and a wireless transceiver capable of near field communications in the secure element without authentication, wherein transaction data is sent through a second communication channel to the point-of-sale terminal, wherein the second communication channel is different from the first communication channel.
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Specification