ADDING CARD TO MOBILE WALLET USING NFC

• US 20170124568A1
• Filed: 01/17/2017
• Published: 05/04/2017
• Est. Priority Date: 02/03/2012
• Status: Active Application

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Moghadam, Ali Minaei
• Granted Patent: US 10,262,320 B2
• Time in Patent Office: Days
• CPC Class Codes: G06K 7/10366 the interrogation device being adapted for miscellaneous applications
• 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3567 Software being in the reader
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• 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 88/02 Terminal devices

Abstract

A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user'"'"'s mobile/cloud wallet.

Claims

1. A method, comprising:

retrieving, by a computing device, data from a payment instrument detected proximate to the computing device;

determining an account number associated with the payment instrument based at least on the data;

causing a user interface of the computing device to display account information with a plurality of fields, wherein the account information comprises at least a portion of the account number, and wherein at least one field from the plurality of fields is configured to receive an input to change the account information displayed;

receiving an authentication input in the plurality of fields that indicates a user identifier;

determining the user identifier is stored in one or more databases;

determining an authentication of the user identifier based at least on the user identifier stored in the one or more databases and the account information; and

causing the user interface to display an option to add the account number to a user account accessible by the computing device based at least on the authentication of the user identifier.