Single tap transactions using a server
First Claim
Patent Images
1. A method comprising:
- receiving, at a management server from a secure element by way of a point-of-sale terminal, a coupon and payment credentials corresponding to a default payment mechanism stored on the secure element, wherein receiving the coupon and payment credentials at the management server includes;
initiating, by a secure element processor, execution of a near field communication application operating at an application layer of the secure element in response to a near field communication interaction triggered from a point-of-sale terminal to the secure element, wherein execution of the near field communication application automatically applies the coupon to a near field communication payment transaction and sends the coupon and payment credentials corresponding to a default payment mechanism stored on the secure element to the point-of-sale terminal, without prior authorization and communication between the secure element and a mobile device; and
processing the near field communication payment transaction between the secure element and the point-of-sale terminal at the management server using the payment credentials and the coupon, wherein the secure element is coupled to the mobile device comprising a mobile device memory, a mobile device processor that executes a mobile 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.
-
Citations
20 Claims
-
1. A method comprising:
-
receiving, at a management server from a secure element by way of a point-of-sale terminal, a coupon and payment credentials corresponding to a default payment mechanism stored on the secure element, wherein receiving the coupon and payment credentials at the management server includes; initiating, by a secure element processor, execution of a near field communication application operating at an application layer of the secure element in response to a near field communication interaction triggered from a point-of-sale terminal to the secure element, wherein execution of the near field communication application automatically applies the coupon to a near field communication payment transaction and sends the coupon and payment credentials corresponding to a default payment mechanism stored on the secure element to the point-of-sale terminal, without prior authorization and communication between the secure element and a mobile device; and processing the near field communication payment transaction between the secure element and the point-of-sale terminal at the management server using the payment credentials and the coupon, wherein the secure element is coupled to the mobile device comprising a mobile device memory, a mobile device processor that executes a mobile 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 management server comprising:
-
a management server interface configured to receive a coupon and payment credentials corresponding to a default payment mechanism stored on a secure element by way of a point-of-sale terminal, wherein the secure element includes a secure element processor configured to initiate execution of a near field communication application operating at an application layer above a physical layer of the secure element in response to a near field communication interaction triggered from the point-of-sale terminal to the secure element, the execution of the near field communication application automatically applying the coupon to a near field communication payment transaction and sends the coupon and payment credentials to the point-of-sale terminal, without prior authorization and communication between the secure element and a mobile device; and a management server processor configured to process the near field communication payment transaction between the secure element and the point-of-sale terminal using the payment credentials and the coupon, wherein the secure element is coupled to the mobile device comprising a mobile device memory, a mobile device processor that executes a mobile application, and a mobile device transceiver. - View Dependent Claims (19, 20)
-
Specification