Mobile payment management
First Claim
Patent Images
1. A method comprising:
- receiving a plurality of issuer specific payment applications associated with a plurality of issuer specific payment services at a mobile phone, wherein the mobile phone comprises a contactless element that allows the mobile phone to communicate contactlessly with a point of sale terminal with a contactless reader;
storing the received the plurality of issuer specific payment applications and a plurality of issuer specific keys respectively associated with the plurality of issuer specific payment services in a secure element in the mobile phone, wherein the mobile phone also stores a plurality of mobile applications respectively associated with the plurality of issuer specific payment applications, the plurality of mobile applications residing on the mobile phone outside of the secure element and having respectively different issuer specific account management services and payment functions;
receiving a selection of one of the issuer specific payment services as a default service; and
conducting a payment transaction using the mobile phone using the one issuer specific payment service.
1 Assignment
0 Petitions
Accused Products
Abstract
A method for managing mobile payments in a mobile phone. The method includes receiving data associated with a plurality of issuer specific payment services at a mobile phone, selecting one of the issuer specific payment services, and conducting a transaction using the phone.
-
Citations
19 Claims
-
1. A method comprising:
-
receiving a plurality of issuer specific payment applications associated with a plurality of issuer specific payment services at a mobile phone, wherein the mobile phone comprises a contactless element that allows the mobile phone to communicate contactlessly with a point of sale terminal with a contactless reader; storing the received the plurality of issuer specific payment applications and a plurality of issuer specific keys respectively associated with the plurality of issuer specific payment services in a secure element in the mobile phone, wherein the mobile phone also stores a plurality of mobile applications respectively associated with the plurality of issuer specific payment applications, the plurality of mobile applications residing on the mobile phone outside of the secure element and having respectively different issuer specific account management services and payment functions; receiving a selection of one of the issuer specific payment services as a default service; and conducting a payment transaction using the mobile phone using the one issuer specific payment service. - View Dependent Claims (2, 3, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
-
-
4. A non-transitory computer readable medium comprising code, executable by a processor, for implementing a method comprising:
-
receiving a plurality of issuer specific payment applications associated with a plurality of issuer specific payment services at a mobile phone, wherein the mobile phone comprises a contactless element that allows the mobile phone to communicate contactlessly with a point of sale terminal with a contactless reader, storing the received the plurality of issuer specific payment applications and a plurality of issuer specific keys respectively associated with the plurality of issuer specific payment services in a secure element in the mobile phone, wherein the mobile phone also stores a plurality of mobile applications respectively associated with the plurality of issuer specific payment applications, the plurality of mobile applications residing on the mobile phone outside of the secure element and having respectively different issuer specific account management services and payment functions, receiving a selection of one of the issuer specific payment services as a default service, and conducting a payment transaction using the mobile phone using the one issuer specific payment service. - View Dependent Claims (5, 6, 7)
-
-
8. A mobile phone comprising:
-
a processor; a contactless element coupled to the processor; a memory operatively coupled to the processor, the memory comprising a plurality of mobile applications having respectively different issuer specific account management services and payment functions; a secure element separate from the memory and comprising a plurality of payment applications respectively associated with the plurality of mobile applications, and a plurality of issuer specific keys respectively associated with the plurality of payment applications; a display operatively coupled to the processor; and an antenna operatively coupled to the processor.
-
Specification