Enhanced near field communications attachment
First Claim
Patent Images
1. A contactless attachment, comprising:
- a controller that controls the operations of the contactless attachment;
a near field communication antenna;
a secure element that securely stores an account number that is used to identify a financial account and is transmitted from the contactless attachment when processing a financial transaction relating to the financial account;
a power source;
a secure wireless communication module that establishes a secure wireless connection with a mobile device and enables encrypted communication between the contactless attachment and the mobile device;
a token generator that generates a respective token for each financial transaction, the token enabling additional security for the financial transaction; and
a button connected to a button interface, the button being used to initiate transmission of the respective token from the contactless attachment to the mobile device to authorize the financial transaction.
2 Assignments
0 Petitions
Accused Products
Abstract
A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob.
29 Citations
24 Claims
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1. A contactless attachment, comprising:
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a controller that controls the operations of the contactless attachment; a near field communication antenna; a secure element that securely stores an account number that is used to identify a financial account and is transmitted from the contactless attachment when processing a financial transaction relating to the financial account; a power source; a secure wireless communication module that establishes a secure wireless connection with a mobile device and enables encrypted communication between the contactless attachment and the mobile device; a token generator that generates a respective token for each financial transaction, the token enabling additional security for the financial transaction; and a button connected to a button interface, the button being used to initiate transmission of the respective token from the contactless attachment to the mobile device to authorize the financial transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A method for initializing an attachment, comprising the steps of:
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receiving an encrypted secure element provisioning signal from a trusted service manager, the encrypted secure element provisioning signal including an account number that is used to identify an account and is transmitted from the attachment when processing a transaction relating to the account; establishing a secure wireless communication channel with the attachment; using one or more computer processors, sending at least one provisioning instruction, formed as encrypted data, through a secure wireless communication channel to the attachment; decrypting the secure element provisioning instruction; provisioning the attachment for use with the account by storing the received account number in a secure element; binding the attachment to at least one device; and when processing a transaction relating to the account, receiving a signal that a button on the attachment has been depressed, and in response to the signal, using a token generator, generating a token, for the transaction being processed, the token enabling additional security for the financial transaction, and transmitting the token from the attachment to a mobile device to authorize the transaction. - View Dependent Claims (14, 15, 16, 17, 18, 19, 20, 21, 22, 23)
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24. A method of conducting a transaction using a secure attachment, comprising:
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establishing using a secure wireless communication module a connection between the secure attachment and a mobile device, wherein the connection is established using a secure, low-energy technology based on the proximity of the secure attachment and the mobile device, and wherein the secure attachment includes a controller that controls the operations of the secure attachment, a near field communication antenna, a secure element that securely stores an account number that is used to identify a financial account and is transmitted from the secure attachment when processing a financial transaction relating to the financial account, a power source, and the secure wireless communication module; and receiving a signal that a button on the secure attachment has been depressed, and in response to the signal, using a token generator of the secure attachment, generating a token, for the financial transaction being processed, the token enabling additional security for the financial transaction, and transmitting the token from the secure attachment to a mobile device to authorize the financial transaction; receiving a signal from the mobile device that the financial transaction is authorized; and transmitting, using the near field communication antenna, the account number to a near field communications reader when the secure connection is established between the secure attachment and a mobile device and the signal is received that the financial transaction is authorized.
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Specification