Secure element with terminal and mobile device interaction capabilities

• US 9,031,611 B2
• Filed: 10/12/2012
• Issued: 05/12/2015
• Est. Priority Date: 11/14/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc.
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): AJIBADE AKONAI, OLUMIDE
• Application Number:
  US13/650,315
• Publication Number:
  US 20130035072A1
• Time in Patent Office: 942 Days
• Field of Search: 455/41.1, 455/41.2, 455/418, 455/420, 455405-411, 455/414.1, 455/419, 455/550.1, 455/552.1, 455/553.1, 455/556.1, 455/557, 455/558, 455/41.3, 705/16, 705/17, 705/39, 705/40, 705/26.1, 705/42, 705/64, 705/75, 235/379, 235/380, 235/492
• US Class Current: 455/558
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• 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 20/3229 Use of the SIM of a M-device as secure element
• 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 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: H04B 5/72 for local intradevice communication
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04W 12/062 Pre-authentication
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 12/082 : using revocation of authorisation
• 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 88/06 : adapted for operation in multiple networks or having at least two operational modes, e.g. multi-mode terminals

Abstract

A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

Claims

1. A secure element for conducting a transaction, the secure element comprising:

a secure element memory configured to maintain a near field communication (NFC) application and transaction data;

a secure element processor configured to execute the NFC application without communication with a mobile device processor, wherein “

a”

NFC terminal begins the transaction by initiating an NFC induction based trigger of the secure element processor, wherein the secure element processor is configured to initiate execution of the NFC application on the secure element processor in response to the NFC induction based trigger from the NFC terminal;

a plurality of communications transceivers including an NFC communications transceiver configured to transmit transaction data to the NFC terminal after execution of the NFC application, wherein the NFC terminal transmits transaction data to a remote server for processing by the remote server after the transaction data are received at the NFC terminal but before completion of the transaction, wherein the secure element NFC transceiver is further configured to receive response information during the NFC transaction from the NFC terminal after transmitting transaction data to the NFC terminal and after processing by the remote server, wherein the secure element is coupled to a mobile device comprising a mobile device memory, a mobile device processor, and a mobile device transceiver; and

a secure element radio transceiver configured to transmit response information from the secure element to the mobile device transceiver.

2. The secure element of claim 1, wherein the transaction data includes payment credentials associated with a payment application.

3. The secure element of claim 1, wherein the transaction data includes identity credentials associated with an identity application.

4. The secure element of claim 1, wherein the transaction data includes a ticket associated with a ticketing application.

5. The secure element of claim 1, wherein the transaction data includes a coupon associated with a coupon application.

6. The secure element of claim 1, wherein the NFC terminal is a point-of-sale (POS) terminal connected to a remote server.

7. The secure element of claim 1, wherein the NFC terminal is a point-of-entry (POE) terminal connected to a remote server.

8. The secure element of claim 1, wherein the secure element is physically coupled to but electrically decoupled from electrical components of the mobile device.

9. The secure element of claim 1, wherein the secure element is sticker affixed to the mobile device.

10. The secure element of claim 1, wherein the secure element is removably inserted into a slot associated with the mobile device.

11. The secure element of claim 1, wherein the NFC terminal is a mobile device coupled with a secure element and further wherein the secure element is configured for near field communications.

12. The secure element of claim 1, wherein the NFC terminal is a secure element and further wherein the secure element includes a chip configured for unidirectional near field communication.

13. A method for conducting a transaction, the method comprising:

maintaining a near field communication (NFC) application and transaction data in a secure element memory included in a secure element;

executing the NFC application by using a secure element processor without communication with a mobile device processor, wherein a NFC terminal begins the transaction by initiating an NFC induction based trigger of the secure element processor, wherein the secure element processor is configured to initiate execution of the NFC application on the secure element processor in response to the NFC induction based trigger from the NFC terminal transmitting transaction data by using a secure element NFC transceiver configured to transmit transaction data to the NFC terminal after execution of the NFC application, wherein the NFC terminal transmits transaction data to a remote server for processing by the remote server after the transaction data are received at the NFC terminal but before completion of the transaction;

receiving response information at the secure element during the NFC transaction from the NFC terminal by using the secure element NFC transceiver included in the secure element after transmitting transaction data to the NFC terminal and after processing by the remote server, wherein the secure element includes a plurality of communications transceivers including an NFC communications transceiver configured for NFC, wherein the secure element is coupled to a mobile device comprising a mobile device memory, a mobile device processor, and a mobile device transceiver; and

transmitting response information to the mobile device transceiver and the mobile device by using a secure element radio transceiver included in the secure element.

14. The method of claim 13, wherein the transaction data includes payment credentials associated with a payment application.

15. The method of claim 13, wherein the transaction data includes identity credentials associated with an identity application.

16. The method of claim 13, wherein the transaction data includes a ticket associated with a ticketing application.

17. The method of claim 13, wherein the transaction data includes a coupon associated with a coupon application.

18. The method of claim 13, wherein the NFC terminal is a point-of-sale (POS) terminal connected to a remote server.

19. The method of claim 13, wherein the NFC terminal is a point-of-entry (POE) terminal connected to a remote server.

20. The method of claim 13, wherein the secure element is physically coupled to but electrically decoupled from electrical components of the mobile device.

21. The method of claim 13, wherein the secure element is sticker affixed to the mobile device.

22. The method of claim 13, wherein the secure element is removably inserted into a slot associated with the mobile device.

23. The method of claim 15, wherein the NFC terminal is a mobile device coupled with a secure element and further wherein the secure element is configured for near field communications.

24. The method of claim 15, wherein the NFC terminal is a secure element and further wherein the secure element includes a chip configured for unidirectional near field communication.