DISABLING MOBILE PAYMENTS FOR LOST ELECTRONIC DEVICES
First Claim
1. An electronic device, comprising:
- an antenna;
an interface circuit, coupled to the antenna, configured to communicate with a management electronic device;
a processor coupled to the secure element; and
memory, coupled to the processor, which stores a program module configured to be executed by the processor, the program module including;
instructions for receiving, from a user of the electronic device, authentication information;
instructions for determining that a capability to conduct financial transactions via the electronic device is disabled; and
instructions for providing, to the management electronic device, a re-enabling command to re-enable use of the electronic device to conduct financial transactions based on the authentication information.
1 Assignment
0 Petitions
Accused Products
Abstract
If a user loses an electronic device that has the capability to conduct financial transactions, the user may report that the electronic device is lost using a lost-device software application to a management electronic device associated with a provider of the electronic device. In response to receiving this information, a disabling command is sent to a payment network associated with the financial account of the user to temporarily disable use of the electronic device to conduct the financial transactions. In particular, the electronic device may include a secure element that stores a payment applet for a financial account, and the disabling command may disable a mapping from a virtual identifier for the financial account to a financial primary account number. Subsequently, if the user finds the electronic device, the user may re-enable the capability (and, thus, the mapping) by providing authentication information to the electronic device.
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Citations
20 Claims
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1. An electronic device, comprising:
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an antenna; an interface circuit, coupled to the antenna, configured to communicate with a management electronic device; a processor coupled to the secure element; and memory, coupled to the processor, which stores a program module configured to be executed by the processor, the program module including; instructions for receiving, from a user of the electronic device, authentication information; instructions for determining that a capability to conduct financial transactions via the electronic device is disabled; and instructions for providing, to the management electronic device, a re-enabling command to re-enable use of the electronic device to conduct financial transactions based on the authentication information. - View Dependent Claims (2, 3, 4, 5)
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6. A computer-program product for use in conjunction with an electronic device, the computer-program product comprising a non-transitory computer-readable storage medium and a computer-program mechanism embedded therein, to re-enable use of the electronic device to conduct financial transactions, the computer-program mechanism including:
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instructions for receiving, from a user of the electronic device, authentication information; instructions for determining that a capability to conduct the financial transactions via the electronic device is disabled; and instructions for providing, to a management electronic device, a re-enabling command to re-enable use of the electronic device to conduct the financial transactions. - View Dependent Claims (7, 8)
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9. A processor-implemented method for re-enabling use of an electronic device to conduct financial transactions, wherein the method comprises:
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receiving, from a user of the electronic device, authentication information; determining that a capability to conduct the financial transactions via the electronic device is disabled; and using the processor in the electronic device, providing, to a management electronic device, a re-enabling command to re-enable use of the electronic device to conduct the financial transactions, wherein the re-enabling command re-establishes a mapping from a device primary account number (DPAN) for a financial account to a financial primary account number (FPAN) for the financial account; and wherein the DPAN is associated with a payment applet stored in a secure element in the electronic device. - View Dependent Claims (10)
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11. A processor-implemented method for disabling use of an electronic device to conduct financial transactions, wherein the method comprises:
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using the processor, receiving, from a user of a reporting electronic device, information indicating that the electronic device is lost; and in response to receiving the information, providing a disabling command to a payment network associated with a financial account of the user to disable a mapping from a device primary account number (DPAN) for the financial account to a financial primary account number (FPAN) for the financial account; and wherein the DPAN is associated with a payment applet stored in a secure element in the electronic device, which facilitates use of the electronic device to conduct the financial transactions. - View Dependent Claims (12, 13, 14, 15)
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16. A computer system, comprising:
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a processor; and a memory, coupled to the processor, which stores a program module configured to be executed by the processor, the program module including; instructions for receiving, from a user of a reporting electronic device, information indicating that the electronic device is lost; and in response to receiving the information, instructions for providing a disabling command to a payment network associated with a financial account of the user to disable use of the electronic device to conduct financial transactions. - View Dependent Claims (17, 18, 19, 20)
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Specification