USER DEVICES, SYSTEMS AND METHODS FOR USE IN TRANSACTIONS

• US 20150006378A1
• Filed: 06/26/2014
• Published: 01/01/2015
• Est. Priority Date: 06/27/2013
• Status: Abandoned Application

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Blythe, Simon
• Application Number:
  US14/316,474
• Publication Number:
  US 20150006378A1
• Time in Patent Office: Days
• US Class Current: 705/41
• CPC Class Codes: G06K 19/0716 at least one of the integrated circuit chips comprising a sensor or an interface to a sensor
• CPC Class Codes: G06K 19/07345 by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/354 Card activation or deactivation
• CPC Class Codes: G06Q 20/4014 Identity check for transactions

Abstract

A user device for use in a transaction is provided. The user device includes a communicator configured to allow communication, between the user device and a reader device, for executing the transaction, a sensor configured to detect a movement of the user device, and a trigger element configured to, on detection of the movement of the user device, initiate a process for the transaction.

Claims

1. A user device for use in a transaction, the user device comprising:

a communicator configured to allow communication, between the user device and a reader device, for executing the transaction;

a sensor configured to detect a movement of the user device; and

a trigger element configured to, on detection of the movement of the user device, initiate a process for the transaction.

2. A user device according to claim 1, wherein the transaction is a proximity transaction.

3. A user device according to claim 1, wherein the trigger element is configured to, on the detection of the movement, activate a component of the user device to allow the transaction to proceed.

4. A user device according to claim 3, wherein the trigger element is configured to, on the detection of the movement, activate the communicator to allow the transaction to proceed.

5. A user device according to claim 1, wherein the trigger element is configured to, on the detection of the movement, trigger the process during the transaction.

6. A user device according to claim 1, wherein the trigger element is a processor, and wherein the processor is configured to, on the detection of the movement, perform at least one of initiating a decryption process for the transaction, providing information from the movement sensor to the communicator for communication to the reader device, storing information from the movement sensor, and comparing information from the movement sensor with stored movement information.

7. A user device according to claim 1, wherein the trigger element is configured to initiate the process on detection of a prescribed movement of the user device.

8. A user device according to claim 1, wherein the sensor is an accelerometer, and wherein the trigger element is mechanical.

9. A user device according to claim 1, wherein the user device is one of a transaction card comprising an integrated circuit chip and a mobile telecommunication device.

10. A user device according to claim 1, the user device further comprising an indicator, the indicator configured to be activated on one or both of:

the detection of the movement by the sensor; and

the initiation of the process for the transaction.

11. A system for executing a transaction, comprising:

a user device;

a reader device, wherein each of the user device and the reader device comprises a communicator configured to allow communication, between the user device and a reader device, for executing the transaction;

a sensor configured to detect a movement of the user device; and

a trigger element configured to, on detection of the movement of the user device, initiate a process for the transaction.

12. A system according to claim 11, wherein one of the user device and the reader device comprises the sensor.

13. A system according to claim 11, further comprising an indicator, the indicator configured to be activated on one or both of:

the detection of the movement by the sensor; and

the initiation of the process for the transaction.

14. A method of initiating, for a user device, a process for a transaction, the user device including a communicator configured to allow communication, between the user device and a reader device, for executing the transaction, the method comprising:

detecting, by the user device, a movement of the user device; and

on detection of the movement of the user device, initiating a process for the transaction.

15. A method according to claim 14, wherein detecting a movement comprises detecting a prescribed movement of the user device, and wherein initiating a process comprises initiating the process on detection of the prescribed movement.

16. A method according to claim 14, wherein the transaction is a proximity transaction.

17. A method according to claim 14, wherein initiating a process comprises activating a component of the user device to allow the transaction to proceed.

18. A method according to claim 17, wherein initiating a process comprises activating the communicator of the user device to allow the transaction to proceed.

19. A method according to claim 14, wherein initiating a process comprises triggering the process during the transaction.

20. A method according to claim 14, wherein the initiating a process comprises at least one of initiating a decryption process for the transaction, providing information from the movement sensor to the communicator for communication to the reader device, storing information from the movement sensor, comparing information from the movement sensor with stored movement information, and using stored information to change the nature of the transaction in progress.

21. A media device storing computer program code adapted, when loaded into or run on a computer, to cause the computer to carry out a method according to claim 14.