Mobile payment device
First Claim
1. A method comprising:
- determining a first location of a mobile device operated by a user;
based on the first location of the mobile device, determining a first system in the vicinity of the mobile device;
in response to determining the first system, automatically pushing first data comprising a first encryption key for the first system to the mobile device, the first encryption key being stored in a memory in the mobile device, wherein the first encryption key is configured to generate a first code to work with the first system when the mobile device interacts with a first reader at the first system and passes the first code to the first reader via a contactless element in the mobile device;
determining a second location of the mobile device;
based on the second location of the mobile device, determining a second system in the vicinity of the mobile device; and
in response to determining the second system, automatically pushing second data comprising a second encryption key for the second system to the mobile device, the second encryption key being stored in the memory in the mobile device, wherein the second encryption key is configured to generate a second code to work with the second system when the mobile device interacts with a second reader at the second system and passes the second code to the second reader via the contactless element in the mobile device.
1 Assignment
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Accused Products
Abstract
A system, apparatus, and method for facilitating the payment and collection of transit system fares using a mobile device. The inventive system utilizes a contactless element embedded within a mobile wireless device, such as a mobile phone, PDA, or the like. The smart element is integrated with the circuitry of the mobile device to permit the data to be accessed and manipulated (e.g., read, written, erased) using the wireless communications network as the data transport channel. The data required to enable a user to access a transit system and for the system to conduct fare calculations may be provided to the memory in the contactless element using the wireless network. Such data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use).
208 Citations
24 Claims
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1. A method comprising:
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determining a first location of a mobile device operated by a user; based on the first location of the mobile device, determining a first system in the vicinity of the mobile device; in response to determining the first system, automatically pushing first data comprising a first encryption key for the first system to the mobile device, the first encryption key being stored in a memory in the mobile device, wherein the first encryption key is configured to generate a first code to work with the first system when the mobile device interacts with a first reader at the first system and passes the first code to the first reader via a contactless element in the mobile device; determining a second location of the mobile device; based on the second location of the mobile device, determining a second system in the vicinity of the mobile device; and in response to determining the second system, automatically pushing second data comprising a second encryption key for the second system to the mobile device, the second encryption key being stored in the memory in the mobile device, wherein the second encryption key is configured to generate a second code to work with the second system when the mobile device interacts with a second reader at the second system and passes the second code to the second reader via the contactless element in the mobile device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 22, 23, 24)
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9. A server computer comprising a processor and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor for implementing a method comprising:
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determining a first location of a mobile device operated by a user; based on the first location of the mobile device, determining a first system in the vicinity of the mobile device; in response to determining the first system, automatically pushing first data comprising a first encryption key for the first system to the mobile device, the first encryption key being stored in a memory in the mobile device, wherein the first encryption key is configured to generate a first code to work with the first system when the mobile device interacts with a first reader at the first system and passes the first code to the first reader via a contactless element in the mobile device; determining a second location of the mobile device; based on the second location of the mobile device, determining a second system in the vicinity of the mobile device; and in response to determining the second system, automatically pushing second data comprising a second encryption key for the second system to the mobile device, the second encryption key being stored in the memory in the mobile device, wherein the second encryption key is configured to generate a second code to work with the second system when the mobile device interacts with a second reader at the second system and passes the second code to the second reader via the contactless element in the mobile device. - View Dependent Claims (10, 11, 12, 13, 14, 15)
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16. A system comprising:
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a mobile device; and a server computer in communication with the mobile device, the server computer comprising a processor and a computer readable medium coupled to the processor, the computer readable medium comprising code, executable by the processor for implementing a method comprising determining a first location of the mobile device operated by a user, based on the first location of the mobile device, determining a first system in the vicinity of the mobile device, in response to determining the first system, automatically pushing first data comprising a first encryption key for the first system to the mobile device, the first encryption key being stored in a memory in the mobile device, wherein the first encryption key is configured to generate a first code to work with the first system when the mobile device interacts with a first reader at the first system and passes the first code to the first reader via a contactless element in the mobile device, determining a second location of the mobile device, based on the second location of the mobile device, determining a second system in the vicinity of the mobile device, and in response to determining the second system, automatically pushing second data comprising a second encryption key for the second system to the mobile device before the user pays to the second system, the second encryption key being stored in the memory in the mobile device, wherein the second encryption key is configured to generate a second code to obtain to the second system when the mobile device interacts with a second reader at the second system and passes the second code to the second reader via the contactless element in the mobile device. - View Dependent Claims (17, 18, 19, 20, 21)
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Specification