Utilizing a secure element for NFC transactions which includes response data during induction

• US 9,015,064 B2
• Filed: 12/11/2012
• Issued: 04/21/2015
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US13/710,646
• Publication Number:
  US 20130097032A1
• Time in Patent Office: 861 Days
• Field of Search: 455/406, 455/410, 455/558, 455/41.1, 455/556.1, 705/16, 705/18, 705/30, 705/40, 705/41, 705/44, 705/5, 705/51, 705/64, 235/462.42, 235/462.11, 235380-385, 235/451
• US Class Current: 705/16
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 : insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 : Electronic credentials
• CPC Class Codes: G06Q 20/40 : Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 : Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/409 : Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0238 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0251 : Targeted advertisements
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0255 : based on user history
• CPC Class Codes: G06Q 30/0267 : Wireless devices
• CPC Class Codes: G06Q 30/0268 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 : Third-party assisted
• CPC Class Codes: G06Q 30/0635 : Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/10 : Tax strategies
• CPC Class Codes: G06Q 40/12 : Accounting
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04B 5/70 : specially adapted for specific purposes
• CPC Class Codes: H04M 1/72445 : for supporting Internet browser applications
• CPC Class Codes: H04N 21/812 : involving advertisement data advertising per se G06Q30/02
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/18 : Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 4/21 : for social networking applications
• CPC Class Codes: H04W 4/80 : Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
• CPC Class Codes: H04W 8/205 : Transfer to or from user equipment or user record carrier
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Claims

1. A method comprising:

maintaining a secure element application in a secure element memory;

executing the secure element application maintained in the secure element memory using a secure element processor, the secure element memory and the secure element processor included in a secure element, wherein the secure element application configured for near field communication is executed in response to a near field communication trigger from a near field communication (NFC) terminal;

transmitting transaction data without prior authentication from the secure element to the NFC terminal which subsequently transfers the transaction data to a server for processing; and

receiving response information from the server via the NFC terminal at the secure element during the NFC interaction;

wherein the secure element is coupled to a mobile device comprising a mobile device processor, a mobile device memory that stores a non browser based mobile application, and a mobile device radio transceiver.

2. The method of claim 1, wherein the response information includes a coupon.

3. The method of claim 2, wherein the coupon is selected by the server and is based on user preferences, previous shopping history, and/or proximity to a store.

4. The method of claim 1, wherein the NFC terminal is a point-of-sale (POS) terminal.

5. The method of claim 1, further wherein the response information is transmitted from the secure element to a second secure element coupled to a second mobile device.

6. The method of claim 1, wherein the secure element is physically coupled to the mobile device and wirelessly coupled to electrical interior components of the mobile device.

7. The method of claim 1, wherein the secure element is included within the body of a memory card configured for placement in a memory card slot in the mobile device.

8. The method of claim 1, wherein the secure element is embedded within the body of the mobile device.

9. The method of claim 1, further wherein the mobile application is configured to allow items in a shopping list to be added, deleted, or changed.

15. The method of claim 1, wherein the secure element application is an identity application and the transaction data includes identity credentials.

16. The method of claim 1, wherein the secure element application is a ticket application and the transaction data includes payment credentials.

17. The method of claim 1, wherein the secure element application is a coupon application and the transaction data includes a coupon.

10. A secure element comprising:

a secure element memory configured to maintain a secure element application;

a secure element processor that executes the secure element application configured for near field communication in response to a near field communication trigger from a near field communication (NFC) terminal, the secure element coupled to a mobile device comprising a mobile device processor, a mobile device memory that stores a non browser based mobile application, and a mobile device radio transceiver; and

a secure element transceiver that;

sends transaction data associated with a transaction without prior authentication from the secure element to the NFC terminal which subsequently transfers the transaction data to a server for processing; and

receives response information from the server via the NFC terminal during the NFC interaction.

11. The secure element of claim 10, wherein the response information includes a coupon.

12. The secure element of claim 11, wherein the coupon is selected by the server and based on user preferences, previous shopping history, and/or proximity to a store.

13. The secure element of claim 11, wherein the coupon is selected by the server and is based on spend category, merchant, and/or price level.

14. The secure element of claim 10, wherein the NFC terminal is a point-of-sale (POS) terminal.

18. The secure element of claim 10, wherein the secure element application is a payment application and the transaction data includes payment credentials.

19. The secure element of claim 10, wherein the secure element application is an identity application and the transaction data includes identity credentials.

20. The secure element of claim 10, wherein the secure element application is a ticket application and the transaction data includes payment credentials.

21. The secure element of claim 10, wherein the secure element application is a coupon application and the transaction data includes a coupon.