Payment or other transaction through mobile device using NFC to access a contactless transaction card

• US 9,038,894 B2
• Filed: 11/20/2012
• Issued: 05/26/2015
• Est. Priority Date: 11/20/2012
• Status: Active Grant

• Current Assignee: Cellco Partnership, Inc. (Verizon Communications Inc.)
• Original Assignee: Cellco Partnership, Inc. (Verizon Communications Inc.)
• Inventors: Khalid, Mohammad Raheel
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): Habib, Asifa
• Application Number:
  US13/682,496
• Publication Number:
  US 20140138435A1
• Time in Patent Office: 917 Days
• Field of Search: 235/380, 705/26, 705/41, 717/178, 455/41.1, 455/41.2
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards

Abstract

A mobile device utilizes an embedded near field communication (NFC) capability to interact with a contactless transaction card to automatically obtain information from the card, e.g. reducing or eliminating the burden of manual user entry of the account information or the like into the mobile device. The mobile device, for a financial account transaction example, may read the information from the card at the time of a transaction, e.g. to facilitate an on-line purchase, an in-store purchase, ATM transaction or the like. The mobile device may store the information from one or more contactless transaction cards, for use in future transactions of various types. The mobile device and/or a server in communication with the mobile device may track various user activities on the mobile device that also utilize information obtained from the contactless transaction card.

Claims

1. A mobile device, comprising:

a wireless transceiver configured to enable wireless data communication via a network;

a near field communication transceiver;

a processor coupled to the wireless transceiver and the near field communication transceiver; and

programming stored in a memory accessible by the processor for execution by the processor, the programming comprising an application program including an embedded library, the embedded library configured to cause the mobile device to read information from a contactless transaction card via a Europay, MasterCard and Visa (EMV) communication protocol,

wherein execution of the programming configures the processor to cause the mobile device to perform functions, including functions to;

detect, via the near field communication transceiver, proximity of the contactless transaction card;

responsive to detecting the contactless transaction card, receive a data exchange message from the contactless transaction card;

identify that the contactless transaction card is capable of secure communication, based on one or more characteristics of the received message including at least one of a protocol of the received message or an encoding of the received message;

responsive to identifying that the contactless transaction card is capable of secure communication, perform the secure communication with the contactless transaction card using the EMV communication protocol stored in the embedded library via the near field communication transceiver, to automatically obtain the information from the contactless transaction card;

compare the obtained information from the contactless transaction card with one or more predetermined rules to validate the contactless transaction card; and

utilize the information obtained from the contactless transaction card to perform an action via the mobile device, when the contactless transaction card is validated,

wherein the application program is configured to cause the mobile device to perform the action by communication of at least some of the obtained information from the contactless transaction card via one of the wireless transceiver over the network and the near field communication transceiver in communication with another device using the EMV communication protocol stored in the embedded library.

2. The mobile device of claim 1, further comprising:

at least one user interface element coupled to the processor,

wherein the processor is further configured to cause the mobile device to provide information about the action performed, including at least some of the information obtained from the contactless transaction card, for a user of the mobile device and/or to receive input from the user regarding the action, via the at least one user interface element.

3. The mobile device of claim 2, wherein

execution of the application program configures the processor to cause the mobile device to implement the communication with the contactless transaction card via the near field communication transceiver.

4. The mobile device of claim 2, wherein the processor is further configured to:

cause the mobile device, during the secure communication, to prompt the user of the mobile device for additional information via the at least one user interface element; and

complete the secure communication to obtain the information from the contactless transaction card responsive to the additional information input by the user via the at least one user interface element.

5. The mobile device of claim 2, wherein the processor is further configured to:

detect an error during the secure communication with the contactless transaction card; and

responsive to the detected error, cause the mobile device to prompt the user of the mobile device for additional information via the at least one user interface element, the additional information being used to complete the secure communication or to restart the secure communication.

6. The mobile device of claim 1, wherein the processor is further configured to:

obtain information indicating a location of the mobile device at or around a time of the action; and

use the information indicating the location of the mobile device in the performance of the action.

7. The mobile device of claim 6, further comprising:

a global positioning satellite (GPS) receiver,

wherein the processor is configured to obtain the information indicating the location of the mobile device based at least in part on processing of received GPS satellite signals by the GPS receiver.

8. The mobile device of claim 6,

wherein the processor is further configured to store a record of the action, including the information indicating the location of the mobile device at or around the time of the action, in the memory.

9. The mobile device of claim 1, wherein the other device is a point of sale (POS) terminal configured to perform the secure communication via the EMV communication protocol.

10. An article of manufacture comprising:

a non-transitory machine readable medium, and

programming embodied in the medium, the programming comprising an application program including an embedded library, the embedded library configured to cause a mobile device to read information from a contactless transaction card via a Europay, MasterCard and Visa (EMV) communication protocol, wherein execution of the programming by a processor of the mobile device configures the mobile device to perform functions, including functions to;

detect, via a near field communication transceiver of the mobile device, proximity of the contactless transaction card;

responsive to detecting the contactless transaction card, receive a data exchange message from the contactless transaction card;

identify that the contactless transaction card is capable of secure communication, based on one or more characteristics of the received message including at least one of a protocol of the received message or an encoding of the received message;

responsive to identifying that the contactless transaction card is capable of secure communication, perform the secure communication with the contactless transaction card using the EMV communication protocol stored in the embedded library via the near field communication transceiver, to automatically obtain account information from the contactless transaction card;

compare the obtained account information from the contactless transaction card with one or more predetermined rules to validate the contactless transaction card; and

utilize the account information obtained from the contactless transaction card to perform an action via the mobile device, when the contactless transaction card is validated,

wherein the application program is configured to cause the mobile device to perform the action by communication of at least some of the obtained information from the contactless transaction card via one of the wireless transceiver over the network and the near field communication transceiver in communication with another device using the EMV communication protocol stored in the embedded library.

11. The article of claim 10, wherein:

execution of the application program configures the processor to cause the mobile device to implement the communication with the contactless transaction card via the near field communication transceiver.

12. The article of claim 11, wherein execution of the programming further configures the processor to cause the mobile device to determine a location of the mobile device at or around a time of the action and use the information indicating the location of the mobile device in the performance of the action.

13. The article of claim 10, wherein execution of the programming further configures the processor to cause the mobile device to provide information about the action performed via at least one user interface element of the mobile device, including at least some of the information obtained from the contactless transaction card.

14. A method comprising steps of:

detecting via a near field communication sensor in a mobile device when a contactless transaction card comes within proximity of the near field communication sensor;

responsive to the detecting of the contactless transaction card coming within proximity of the near field communication sensor, receiving, by an application program stored in a memory of the mobile device, a data exchange message from the contactless transaction card, the application program including an embedded library configured to cause the mobile device to read information from the contactless transaction card via a Europay, MasterCard and Visa (EMV) communication protocol;

identifying, by the application program of the mobile device, that the contactless transaction card is capable of secure communication, based on one or more characteristics of the received message including at least one of a protocol of the received message or an encoding of the received message;

responsive to identifying that the contactless transaction card is capable of secure communication, performing, by the application program of the mobile device, the secure communication with the contactless transaction card using the EMV communication protocol stored in the embedded library via a near field communication transceiver of the mobile device, to automatically obtain the information from the contactless transaction card by the mobile device;

comparing, by the application program of the mobile device, the obtained information from the contactless transaction card with one or more predetermined rules to validate the contactless transaction card; and

performing an action using the obtained information via the application program of the mobile device, when the contactless transaction card is validated,

wherein the application program is configured to cause the mobile device to perform the action by communication of at least some of the obtained information from the contactless transaction card via one of the wireless transceiver over a network and the near field communication transceiver in communication with another device using the EMV communication protocol stored in the embedded library.

15. The method of claim 14, wherein:

the action is an on-line transaction on a financial account identified by the information obtained from the contactless transaction card, and

performing the action includes mobile device communication via the network of the at least some of the information obtained from the contactless transaction card to identify the financial account.

16. The method of claim 14, wherein:

the at least some of the information identifies a financial account associated with the contactless transaction card; and

the action implements a financial transaction at an enterprise establishment utilizing the identified financial account.

17. The method of claim 14, further comprising steps of:

determining a location of the mobile device at or around a time of the action; and

using information indicating the determined location in the performance of the action.

18. The method of claim 17, wherein the step of using the information indicating the determined location comprises including the information indicating the determined location in a record of the action stored in a memory of the mobile device.

19. The method of claim 17, wherein the step of using the information indicating the determined location comprises sending the information, indicating the determined location via the network to a server for use in tracking activities of the mobile device.

20. The method of claim 14, wherein the step of performing the secure communication with the contactless transaction card comprises:

sending, by the mobile device, a processing data objects list to the contactless transaction card, the processing data objects list including data for use by the contactless transaction card during the secure communication;

responsive to the processing data objects list, receiving, by the mobile device, an application interchange profile (AIP) and an application file locator (AFL) each associated with the EMV communication protocol, the AIP including a list of functions to be performed during the secure communication, the AFL including data for use by the mobile device during the secure communication; and

performing, by the mobile device, the EMV communication protocol based on the received AIP and the received AFL.

21. The method of claim 14, further comprising a step of:

providing information about the action performed via at least one user interface element of the mobile device, including at least some of the information obtained from the contactless transaction card.