Alternate authorization for proximity card
First Claim
Patent Images
1. A mobile device, comprising:
- a card operable to validate an authentication input based on a stored authentication value and to provide financial information to an external point-of-sale system when the authentication input validates successfully, the card operable in two unique operation modes and operating in one of the two unique operation modes, wherein, in a first operation mode, the card receives the authentication input via a component of the external point-of-sale system, and wherein, in a second operation mode, the card receives the authentication input via a component of the mobile device,wherein a mobile application configures the card for the first operation mode when the mobile application is preparing to shut down and configures the card for the second operation mode when the mobile application is started.
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Accused Products
Abstract
A mobile device is provided. The mobile device comprises a card operable to validate an authentication input based on a stored authentication value and to provide financial information to an external point-of-sale system when the authentication input validates successfully. The mobile device further comprises a mobile application operable to promote the card operating in one of two operation modes. In the first operation mode, the card receives the authentication input via a component of the external point-of-sale system. In the second operation mode, the card receives the authentication input via a component of the mobile device.
99 Citations
17 Claims
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1. A mobile device, comprising:
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a card operable to validate an authentication input based on a stored authentication value and to provide financial information to an external point-of-sale system when the authentication input validates successfully, the card operable in two unique operation modes and operating in one of the two unique operation modes, wherein, in a first operation mode, the card receives the authentication input via a component of the external point-of-sale system, and wherein, in a second operation mode, the card receives the authentication input via a component of the mobile device, wherein a mobile application configures the card for the first operation mode when the mobile application is preparing to shut down and configures the card for the second operation mode when the mobile application is started. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method of completing an electronic sale, comprising:
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a mobile device receiving an authentication input from a first source in a first operation mode of the mobile device, wherein the first source is a component external to the mobile device; the mobile device validating the authentication input from the first source based on a stored authentication value; upon successful validation of the authentication input from the first source, the mobile device providing financial information to a first point-of-sale terminal using contactless communication to complete a first sale; configuring a second operation mode of the mobile device, wherein the second operation mode is unique from the first operation mode; the mobile device receiving an authentication input from a second source in the second operation mode of the mobile device, wherein the second source is a component of the mobile device; validating the authentication input from the second source based on the stored authentication value; when the validating the authentication input from the second source succeeds, the mobile device providing financial information to a second point-of-sale terminal using contactless communication to complete a second sale, wherein the first operation mode is associated with a low battery condition of the mobile device, detecting a low battery condition; and configuring the first operation mode of the mobile device when a low battery condition is detected. - View Dependent Claims (8, 9, 10, 11)
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12. A purchasing system, comprising:
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a point-of-sale terminal operable to receive a payment information, the point-of-sale terminal having an input component operable for a user to provide an authentication input; and a mobile device operable in two unique operation modes to receive the authentication input, the mobile device receives the authentication input from the input component of the point-of-sale terminal in a first operation mode and from an input component of the mobile device in a second operation mode, the mobile device further operable to validate the authentication input based on a stored authentication value and to provide the payment information to the point-of-sale terminal when the authentication input validates successfully, the mobile device communicating with the point-of-sale terminal through contactless means, wherein the mobile device is operable in the first operation mode when a low battery condition of the mobile device is detected. - View Dependent Claims (13, 14, 15, 16, 17)
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Specification