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Point-of-sale and automated teller machine transactions using trusted mobile access device

  • US 8,881,977 B1
  • Filed: 03/13/2013
  • Issued: 11/11/2014
  • Est. Priority Date: 03/13/2013
  • Status: Active Grant
First Claim
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1. A method for a mobile communication device to conduct a transaction with an unattended point-of-transaction device, comprising:

  • establishing a secure wireless telecommunications link between the mobile communication device and an entity that manages the unattended point-of-transaction device;

    transmitting, by the mobile communication device, confidential information over the link, the confidential information comprising information that establishes the authorization of the mobile communication device to interact with the unattended point-of-transaction device and information regarding an action the unattended point-of-transaction device is requested to perform in conducting the transaction, wherein the action the unattended point-of-transaction device is requested to perform and at least a portion of the information that establishes the authorization of the mobile communication device to interact with the unattended point-of-transaction device have been entered into a user interface on the mobile communication device;

    in response to receiving the confidential information from mobile communication device, verifying, by the entity that manages the unattended point-of-sale transaction device, that the mobile communication device is authorized to interact with the unattended point-of-transaction device;

    in response to the verifying, creating, by the entity that manages the unattended point-of-sale transaction device, a transaction file that specifies the action the unattended point-of-transaction device is to perform in conducting the transaction;

    assigning, by the entity that manages the unattended point-of-sale transaction device, a transaction identifier that uniquely identifies the transaction to the transaction file;

    sending, from the entity that manages the unattended point-of-sale transaction device, the transaction file to the unattended point-of-transaction device;

    receiving, by the mobile communication device, the transaction identifier from the entity that manages the unattended point-of-sale transaction device;

    verifying, by the mobile communication device, the unattended point-of-transaction device by looking up an identity of a proximate unattended point-of-transaction device and comparing the identity of the proximate unattended point-of-transaction device to an identity of the unattended point-of-transaction device;

    transmitting, by the mobile communication device, the transaction identifier to the unattended point-of-transaction device via a near field communication (NFC) transmission;

    comparing, by the unattended point-of-transaction device, the transaction identifier received from the mobile communication device to the transaction identifier made available in the transaction file; and

    when the transaction identifier received from the mobile communication device matches the transaction identifier made available in the transaction file, performing, by the unattended point-of-sale transaction device, the action specified in the transaction file.

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