INDUCTION BASED TRANSACTIONS AT A MOBILE DEVICE

• US 20180075426A1
• Filed: 11/25/2017
• Published: 03/15/2018
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Granted Patent: US 10,692,063 B2
• Time in Patent Office: Days
• 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

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Claims

1. A method for conducting a Near Field Communication (NFC) transaction using an NFC protocol, the method comprising:

maintaining a non-browser based application in a mobile device memory, wherein the non-browser based application is a mobile operating system platform non browser based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, the mobile device comprising the mobile device memory, a mobile device display, a mobile device processor, a mobile device wireless transceiver that supports voice and data interactions through a first communication channel, an NFC transceiver configured to use the NFC protocol through a second communication channel configured to use the NFC protocol, an NFC processor configured to use the NFC protocol, and a secure element memory, wherein the secure element memory maintains an identification code associated with a user and a secure element application configured to use the NFC protocol, the secure element memory, NFC transceiver, and NFC processor are included in the secure element permanently embedded within a body of the mobile device;

receiving, at the mobile device, user input login information, wherein the mobile device receives the user input login information via the mobile device;

upon receipt of the user input login information, authenticating, at the mobile device, a user associated with the user input login information before the NFC transaction;

after user authentication, activating the secure element in response to a detection of a near field communication inductive signal from an NFC terminal configured to use the NFC protocol;

transmitting, using the secure element application, via the NFC transceiver transaction information including the identification code associated with the user via the second communication channel from the secure element memory to the NFC terminal during an NFC inductive interaction between the secure element and the NFC terminal, wherein the transaction information including the identification code associated with the user is transmitted to a remote management server which transmits the transaction information including a payment method that corresponds to the identification code associated with the user to a transaction server that processes the near field communication transaction using the payment method that corresponds to the identification code associated with the user, wherein the payment method is maintained at the remote management server; and

after the NFC transaction has been processed, receiving a digital artifact from the remote management server at a non-browser based application generated screen over the first communication channel for display in the non-browser based application generated screen, wherein the non-browser based application generated screen is a screen or area of the non-browser based application.

2. The method of claim 1, wherein the payment method is a default payment method.

3. The method of claim 1, wherein the payment method is a user selected payment method.

4. The method of claim 1, further wherein during the NFC transaction, a coupon is automatically applied during the NFC inductive interaction between the secure element and the NFC terminal.

5. The method of claim 1, wherein the digital artifact comprises an advertisement, receipt, ticket, coupon, media, metadata, and/or content.

6. The method of claim 1, wherein the digital artifact includes metadata operable to trigger a secondary call-to-action.

7. The method of claim 1, further wherein data stored on the mobile device is encrypted using a mobile operating system native to the mobile device.

8. The method of claim 1, wherein the user input login information is a personal identification number (PIN).

9. The method of claim 1, wherein the user login input information includes biometric data.

10. The method of claim 1, wherein the payment method is a credit card, debit card, or prepaid card.

11. The method of claim 1, wherein no sensitive information is stored on the mobile device.

12. The method of claim 11, wherein the sensitive information comprises at least one of information related to the payment method, information related to the expiration date associated with the payment method, or information related to the identity of the user.

13. The method of claim 1 further wherein, the non-browser based application is operative when the mobile device is not connected to a wireless network.

14. The method of claim 1, further wherein the non-browser based application sends an alert to the remote management server if it has not received the digital artifact from the remote management server within a certain period of time.

15. The method of claim 1, further wherein, the non-browser based application can display the digital artifact when the mobile device is not connected to a wireless network.

16. The method of claim 1, further wherein upon the condition that the mobile device loses connection with a wireless network the non-browser based application monitors for access to the wireless network and automatically re-connects to the wireless network when the wireless network is available.

17. The method of claim 1, further wherein, the digital artifact is based on the remote management server correlating the identification code associated with the user, information related to the payment method, information related to a user, information related to the NFC transaction, and information related to a transaction history.

35. The method of claim 1, further wherein, the remote management server stores a single identification code associated with the user for one or more of the user'"'"'s mobile devices.

37. The method of claim 1, wherein the remote management server authenticates the transaction information prior to the processing of the NFC transaction.

18. A mobile device for conducting a Near Field Communication (NFC) transaction using an NFC protocol, the mobile device comprising:

a mobile device memory maintaining a non-browser based application, wherein the non-browser based application is a mobile operating system platform non-browser based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device;

a mobile device wireless transceiver that supports voice and data interactions through a first wireless communication channel and after the NFC transaction has been processed, receives a digital artifact from a remote server for display in a non-browser based application generated screen, wherein the non-browser based application generated screen corresponds to a screen or area of the non-browser based application;

a mobile device input receiver that receives user login input information, wherein the mobile device receives the user login input information via the mobile device;

a mobile device processor that upon receipt of the user login input information, authenticates, a user associated with the user login input;

a secure element permanently embedded within the body of the mobile device and after user authentication, is activated in response to a detection of a near field communication inductive signal from an NFC terminal configured to use the NFC protocol, the secure element comprising;

a secure element memory that maintains an identification code associated with a user and a secure element application configured to use the NFC protocol; and

an NFC transceiver configured to use the NFC protocol that transmits using the secure element application, transaction information including the identification code associated with the user through a second communication channel configured to use the NFC protocol to an NFC terminal during an NFC inductive interaction between the secure element and the NFC terminal, and further wherein the transaction information including the identification code associated with the user is transmitted to a remote management server transmits the transaction information including a payment method that corresponds to the identification code associated with the user to a transaction server for processing the near field communication transaction using the payment method that corresponds to the identification code associated with the user;

wherein the payment method is maintained at the remote management server.

19. The mobile device of claim 18, wherein the payment method is a default payment method.

20. The mobile device of claim 18, wherein the payment method is a user selected payment method.

21. The mobile device of claim 18, further wherein during the NFC transaction, a coupon is automatically applied during the NFC inductive interaction between the secure element and the NFC terminal.

22. The mobile device of claim 18, wherein the digital artifact comprises an advertisement, receipt, ticket, coupon, media, metadata, and/or content.

23. The mobile device of claim 18, wherein the digital artifact includes metadata operable to trigger a secondary call-to-action.

24. The mobile device of claim 18, further wherein data stored on the mobile device is encrypted using a mobile operating system native to the mobile device.

25. The mobile device of claim 18, wherein the user input login information is a personal identification number (PIN).

26. The mobile device of claim 18, wherein the user login input information includes biometric data.

27. The mobile device of claim 18, wherein the payment method is a credit card, debit card, or prepaid card.

28. The mobile device of claim 18, wherein no sensitive information is stored on the mobile device.

29. The mobile device of claim 28, wherein the sensitive information comprises at least one of information related to the payment method, information related to the expiration date associated with the payment method, or information related to the identity of the user.

30. The mobile device of claim 18, further wherein, the non-browser based application is operative when the mobile device is not connected to a wireless network.

31. The mobile device of claim 18, further wherein the non-browser based application sends an alert to the remote management server if it has not received the digital artifact within a certain period of time.

32. The mobile device of claim 18, further wherein, the non-browser based application can display the digital artifact when the mobile device is not connected to a wireless network.

33. The mobile device of claim 18, further wherein upon the condition that the mobile device loses connection with a wireless network the non-browser based application monitors for access to the wireless network and automatically re-connects to the wireless network when the wireless network is available.

34. The mobile device of claim 18, further wherein, the digital artifact is based on the remote management server correlating the identification code associated with the user, information related to the payment method, information related to a user, information related to the NFC transaction, and information related to a transaction history.

36. The mobile device of claim 18, further wherein, the remote management server stores a single identification code associated with the user for one or more of the user'"'"'s mobile devices.

38. The mobile device of claim 18, wherein the remote management server authenticates the transaction information prior to the processing of the NFC transaction.