Mobile Communication Device with Proximity Based Communication Circuitry

• US 20160026997A1
• Filed: 07/24/2015
• Published: 01/28/2016
• Est. Priority Date: 07/25/2014
• Status: Abandoned Application

• Current Assignee: xPressTap Inc.
• Original Assignee: xPressTap Inc.
• Inventors: Snycerski, Mark E., Tsui, William, Law, Elaine, Lee, Erick, Lynam, Joe M.
• Application Number:
  US14/809,162
• Publication Number:
  US 20160026997A1
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• 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 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 2220/00 Business processing using cryptography postage metering system using cryptography G06Q2250/05
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: H04B 5/0031 for data transfer
• CPC Class Codes: H04B 5/72 for local intradevice communication
• CPC Class Codes: H04L 9/50 using hash chains, e.g. blockchains or hash trees
• CPC Class Codes: H04W 88/02 Terminal devices

Abstract

A mobile computing device has processors, memory, voice communication circuitry, and communication circuitry configured to receive a request from a server for information to complete an information exchange. The computing device also has a display device configured to display at least one user interface window in response to receiving the request from the server. The user interface window includes a plurality of data entry fields corresponding to the request. The computing device has a proximity based communication circuitry configured to energize an external proximity based card that is brought into proximity with the mobile computing device. When the external proximity based card is energized, the computing device receives information from the external proximity based card to populate at least one of the data entry fields. The communication circuitry is configured to submit data from the data entry fields to the server to facilitate the completion of the information exchange.

Claims

1. A mobile computing device with proximity based communication circuitry, comprising:

one or more processors;

memory;

voice communication circuitry configured for facilitating a telephone call;

communication circuitry configured to receive a request from a server for information to complete an information exchange;

a display device configured to display at least one user interface window in response to receiving the request from the server, wherein the at least one user interface window includes a plurality of data entry fields corresponding to the request;

proximity based communication circuitry configured to;

energize an external proximity based card that is brought into proximity with the mobile computing device; and

upon energizing the external proximity based card, receive information from the external proximity based card to populate at least one of the plurality of data entry fields, wherein the communication circuitry is further configured to submit data from at least some of the plurality of data entry fields to the server to facilitate completion of the information exchange.

2. The mobile computing device of claim 1, wherein the proximity based communication circuitry uses a near field communication protocol.

3. The mobile computing device of claim 1, wherein the proximity based communication circuitry uses an RFID protocol.

4. The mobile computing device of claim 1, wherein the at least one user interface window further includes a prompt for user authentication as a prerequisite to energizing the external proximity based card.

5. The mobile computing device of claim 4, wherein the prompt for user authentication requires entry of a personal identification number by a user.

6. The mobile computing device of claim 4, wherein the prompt for user authentication activates a biometric input device for user authentication.

7. The mobile computing device of claim 1, wherein the at least one user interface window further includes a prompt for user confirmation before submitting data from the data entry fields to the server.

8. The mobile computing device of claim 1, wherein the at least one user interface window further comprises a prompt for a user to populate at least one data entry field not populated by information received from the card.

9. The mobile computing device of claim 1, wherein the received information includes an expiration date associated with the card.

10. The mobile computing device of claim 1, wherein the received information includes an account number.

11. The mobile computing device of claim 1, wherein the received information includes an address corresponding to an owner of the card.

12. The mobile computing device of claim 1, further comprising a database including stored user information used to populate one or more of the plurality of data entry fields upon receipt of the information from the external proximity based card.

13. The mobile computing device of claim 12, wherein the stored user information includes an address corresponding to an owner of the card.

14. The mobile computing device of claim 12, wherein a portion of the information from the external proximity based card forms a lookup key and the database is configured to use the lookup key to locate data for retrieval from the stored user information.

15. The mobile computing device of claim 12, wherein at least some of the stored user information is encrypted, and the mobile computing device further comprises a decryption module configured to decrypt the stored user information using the information received from the external proximity based card as a decryption key.

16. The mobile computing device of claim 1, wherein the memory includes instructions to authenticate a user of the card as a prerequisite to receiving the information from the card.

17. The mobile computing device of claim 1, further comprising a device authentication module configured to receive an authentication request from the server and to respond to the authentication request by providing a unique identifier of the mobile computing device.

18. The mobile computing device of claim 17, wherein the unique identifier is a MAC address, an IP address, or a phone number.

19. The mobile computing device of claim 1, wherein the communication circuitry is further configured to transmit at least a portion of the data from the data entry fields to a third party distinct from the server.

20. The mobile computing device of claim 1, wherein the received information includes an encrypted value and the encrypted value is transmitted to the server or a third party for the transaction.

21. The mobile computing device of claim 20, wherein a decryption key corresponding to the encrypted value is available at the server, but not available at the mobile computing device.

22. The mobile computing device of claim 1, wherein the received information includes a one-time use token that is associated with an account number, and the submission module is configured to transmit the token to the server or a third party for the transaction.

23. The mobile computing device of claim 1, wherein a first data entry field of the plurality of data entry fields is populated with information received from the card and the first data entry field includes a visual indicator that the first data entry field is populated without displaying any of the received information in the first data entry field.

24. The mobile computing device of claim 1, wherein the request from the server includes one or more additional data entry fields that are not displayed in the user interface window, the proximity based communication circuitry is configured to populate the one or more additional data entry fields with the received information, and the submission module is configured to submit data from the one or more additional data entry fields to the server for the transaction.