System for NFC authentication based on BLUETOOTH proximity
First Claim
1. A method for authorizing a Near Field communication (NFC) payment transaction comprising the steps ofestablishing a two-way secure wireless connection between a first mobile device having an NFC function and a second mobile device,wherein said second mobile device comprises a short wireless transceiver,wherein said second mobile device has a size smaller than 22.5 cubic centimeter,wherein said second mobile device can pair with a compatible apparatus within proximity, and upon pairing with a compatible apparatus, said second mobile device changes mode to a non-discoverable mode,wherein said second mobile device can store user data selected from the group consisting ofa credit amount, a credit limit, a threshold, a maximum transaction amount, an amount, a digital key;
- wherein upon receiving a request for authenticating an NFC payment transaction,said first mobile device will send a request to said second mobile device,wherein said first mobile device will authorize the NFC payment transaction if it receives a response from said second mobile device that enables said first mobile device to authorize the NFC payment transaction.
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Accused Products
Abstract
A method and apparatus for secure authentication of Near Field Communication transactions based on proximity to a mobile key device.
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Citations
20 Claims
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1. A method for authorizing a Near Field communication (NFC) payment transaction comprising the steps of
establishing a two-way secure wireless connection between a first mobile device having an NFC function and a second mobile device, wherein said second mobile device comprises a short wireless transceiver, wherein said second mobile device has a size smaller than 22.5 cubic centimeter, wherein said second mobile device can pair with a compatible apparatus within proximity, and upon pairing with a compatible apparatus, said second mobile device changes mode to a non-discoverable mode, wherein said second mobile device can store user data selected from the group consisting of a credit amount, a credit limit, a threshold, a maximum transaction amount, an amount, a digital key; wherein upon receiving a request for authenticating an NFC payment transaction, said first mobile device will send a request to said second mobile device, wherein said first mobile device will authorize the NFC payment transaction if it receives a response from said second mobile device that enables said first mobile device to authorize the NFC payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for automatically authorizing a Near Field Communication (NFC) payment transaction comprising
executing an NFC application on a first mobile device, establishing a two-way secure short wireless connection between said first mobile device and a second mobile device comprising a short wireless transceiver, wherein said second mobile device has a size smaller than 22.5 cubic centimeter, wherein said second mobile device can pair wirelessly with a compatible apparatus within proximity, wherein upon pairing with said first mobile device, said second mobile device changes to a non-discoverable mode, wherein said second mobile device can connect to a programming device and can store user data obtained from said programming device in flash memory onboard said second mobile device, wherein upon receiving a request for authenticating an NFC payment transaction, said first mobile device will send a first request to said second mobile device through a short wireless means, wherein upon receipt of a first response from said second mobile device, said first mobile device will send a second request to a remote server through a protocol selected from the group consisting of GPRS, SMS, USSD; wherein upon receipt of a second response from said remote server, said first mobile device will authorize said NFC payment transaction if said second response enables the first mobile device to authorize said NFC payment transaction. - View Dependent Claims (12, 13, 14, 15, 16)
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17. A unitary mobile apparatus, comprising:
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a flash storage means, a short wireless transceiver, an attachment means selected from the group consisting of a key chain, a ring, a bracelet, a VELCRO and a clip; a data port for connecting said unitary mobile apparatus to a third device and for writing user data onboard said unitary mobile apparatus, wherein said user data is selected from the group consisting of a credit amount, a credit limit, a threshold, an amount, a digital key, an encryption key; wherein said unitary mobile apparatus has a size smaller than 22.5 cubic centimeter, wherein said unitary mobile apparatus can pair with a first mobile device within proximity, wherein upon pairing with said first mobile device, said unitary mobile apparatus can switch to a non-discoverable mode, wherein upon receipt of a message from said first mobile device for authorizing an NFC payment transaction, said unitary mobile apparatus can send a reply to said first mobile device, said first mobile device can authorize or deny said NFC payment transaction. - View Dependent Claims (18, 19, 20)
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Specification