SINGLE TAP TRANSACTIONS USING A MOBILE APPLICATION WITH AUTHENTICATION

• US 20140330626A1
• Filed: 04/22/2014
• Published: 11/06/2014
• Est. Priority Date: 08/25/2006
• Status: Abandoned Application

• Current Assignee: Michelle Fisher
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Application Number:
  US14/259,096
• Publication Number:
  US 20140330626A1
• Time in Patent Office: Days
• US Class Current: 705/14.23
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 : insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 : Electronic credentials
• CPC Class Codes: G06Q 20/40 : Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 : Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/409 : Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0238 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0251 : Targeted advertisements
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0255 : based on user history
• CPC Class Codes: G06Q 30/0267 : Wireless devices
• CPC Class Codes: G06Q 30/0268 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 : Third-party assisted
• CPC Class Codes: G06Q 30/0635 : Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/10 : Tax strategies
• CPC Class Codes: G06Q 40/12 : Accounting
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04B 5/70 : specially adapted for specific purposes
• CPC Class Codes: H04M 1/72445 : for supporting Internet browser applications
• CPC Class Codes: H04N 21/812 : involving advertisement data advertising per se G06Q30/02
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/18 : Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 4/21 : for social networking applications
• CPC Class Codes: H04W 4/80 : Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• CPC Class Codes: H04W 8/205 : Transfer to or from user equipment or user record carrier
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

Claims

1. A method comprising:

conducting a data exchange between a mobile application running on a mobile device and a management server, wherein the mobile device comprises a mobile device processor, a mobile device memory, and a mobile device transceiver, and wherein a secure element is coupled to the mobile device.

receiving authorization for a user associated with the mobile application running on the mobile device to conduct a near field communication (NFC) contactless transaction with an NFC terminal, wherein authorization is received after the data exchange between the mobile application and the management server and before the NFC contactless transaction;

execution of the mobile application using the mobile device processor wherein execution of the mobile application permits a user of the mobile device to conduct a near field communication (NFC) transaction with an NFC terminal, wherein initiating execution of a near field communication application operating at an application layer by a secure element processor in response to a near field communication interaction triggered from the NFC terminal to the secure element without communication with the mobile device, the near field communication application stored in a secure element memory of the secure element;

automatically applying the coupon during processing of the near field communication transaction and sending transaction data including payment credentials corresponding to a default payment mechanism in association with execution of the near field communication application from the secure element to the NFC terminal without prior authentication.

2. The method of claim 1, wherein the data exchange includes exchanging an identification code.

3. The method of claim 2, wherein the identification code is a personal identification number (PIN).

4. The method of claim 1, wherein a digital artifact is delivered from the management server to the mobile device through the mobile device radio transceiver.

5. The method of claim 4, wherein the digital artifact comprises an advertisement, receipt, ticket, media, metadata and/or content.

6. The method of claim 4, wherein the digital artifact is sent to the mobile device based on targeting parameters associated with personal information and transaction history stored at the management server.

7. The method of claim 6, wherein personal information includes user location, gender, age, interest, userid, and/or affiliations.

8. The method of claim 6, wherein transaction history comprises historical payment transactions, real-time payment transactions, banking transactions, bill pay, merchants, price-level, spend categories, transactions conducted through the mobile device, and/or transactions downloaded from banks.

9. The method of claim 1 wherein a shopping list is transmitted from the mobile device to the NFC terminal prior to initiating the near field communication interaction.

10. The method of claim 4, wherein the digital artifact is sent to the mobile device based on movement of the mobile device into close proximity of a smart poster, a radio frequency identification (RFID) device, a Bluetooth device, or a location-based service device.

11. The method of claim 4, wherein the digital artifact is received through a near field communication transceiver at the secure element after purchase from the NFC terminal, wherein the digital artifact comprises a receipt, coupon, ticket, and/or return/refund policy.

12. The method of claim 1, wherein the secure element is embedded within the body of the mobile device.

13. The method of claim 1, wherein the secure element is physically coupled to the mobile device but electrically decoupled from the mobile device.

14. The method of claim 12, wherein the secure element is included in a housing associated with the mobile device.

15. The method of claim 2, wherein a status of the digital artifact is received at the mobile device, wherein the status is one of assigned, saved, redeemed or deleted.

16. A mobile device comprising:

a mobile device memory configured to maintain a mobile application;

a mobile device display;

a mobile device radio transceiver; and

a mobile device transceiver configured to receive authorization from the management server, wherein the management server permits a user associated with the mobile application running on the mobile device to conduct a near field communication (NFC) contactless payment transaction with an NFC terminal,

a mobile device processor configured to execute the mobile application wherein execution of the mobile application permits a user of the mobile device to conduct a near field communication (NFC) transaction with a NFC terminal,

wherein the mobile device has a secure element coupled to it, the secure element comprising;

a secure element memory configured to maintain a near field communication application; and

a secure element processor configure to initiate execution of a near field communication application operating at an application layer in response to a near field communication interaction triggered from the NFC terminal to the secure element, the execution of the near field communication application automatically applying a coupon during processing of the near field communication transaction and sending transaction data including payment credentials corresponding to a default payment mechanism from the secure element to the NFC terminal without prior authentication and communication with the mobile device

17. The mobile device of claim 16, wherein the data exchange includes exchanging an identification code.

18. The mobile device of claim 17, wherein the identification code is a personal identification number (PIN).

19. The mobile device of claim 16, wherein the secure element is embedded within the body of the mobile device.

20. The mobile device of claim 16, wherein the secure element is included in a housing associated with the mobile device.