Single tap transactions using a secure element
First Claim
Patent Images
1. A secure element comprising:
- a secure element memory configured to maintain a near field communication application, a coupon, and transaction data;
a secure element processor configured to execute the near field communication application in response to a near field communication induction based trigger from a point-of-sale terminal, wherein execution of the near field communication application operating at an application layer above a physical layer is initiated in response to the near field communication induction based trigger from the point-of-sale terminal to the secure element without communication with a mobile device, the execution of the near field communication application automatically applying the coupon during processing of a near field communication payment transaction;
a secure element near field communication transceiver configured to transmit transaction data including payment credentials corresponding to a default payment mechanism to the point-of-sale terminal from the secure element without prior authentication, andwherein the secure element is coupled to the mobile device comprising a mobile device memory, a mobile device processor configured to execute a mobile device application, and a mobile device transceiver.
1 Assignment
0 Petitions
Accused Products
Abstract
The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.
135 Citations
20 Claims
-
1. A secure element comprising:
-
a secure element memory configured to maintain a near field communication application, a coupon, and transaction data; a secure element processor configured to execute the near field communication application in response to a near field communication induction based trigger from a point-of-sale terminal, wherein execution of the near field communication application operating at an application layer above a physical layer is initiated in response to the near field communication induction based trigger from the point-of-sale terminal to the secure element without communication with a mobile device, the execution of the near field communication application automatically applying the coupon during processing of a near field communication payment transaction; a secure element near field communication transceiver configured to transmit transaction data including payment credentials corresponding to a default payment mechanism to the point-of-sale terminal from the secure element without prior authentication, and wherein the secure element is coupled to the mobile device comprising a mobile device memory, a mobile device processor configured to execute a mobile device application, and a mobile device transceiver. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
-
-
18. A method comprising:
-
maintaining a near field communication application, a coupon, and transaction data in a secure element memory; executing the near field communication application operating at an application layer above a physical layer using a secure element processor in response to a near field communication induction based trigger from a point-of-sale terminal, wherein execution of the near field communication application is initiated in response to the near field communication induction based trigger from the point-of-sale terminal to the secure element without communication with a mobile device, the execution of the near field communication application automatically applying the coupon during processing of a near field communication payment transaction; and transmitting transaction data including payment credentials corresponding to a default payment mechanism to the point-of-sale terminal without prior authentication, and wherein the secure element is coupled to the mobile device comprising a mobile device memory, a mobile device processor configured to execute a mobile device application, and a mobile device transceiver. - View Dependent Claims (19, 20)
-
Specification