Using mobile device to monitor for electronic bank card communication

• US 9,202,212 B1
• Filed: 09/23/2014
• Issued: 12/01/2015
• Est. Priority Date: 09/23/2014
• Status: Active Grant

• Current Assignee: Sony Corporation (Sony Group Corp.)
• Original Assignee: Sony Corporation (Sony Group Corp.)
• Inventors: Candelore, Brant, Richman, Steven Martin, Zustak, Frederick J.
• Primary Examiner(s): LE, THIEN MINH
• Application Number:
  US14/493,650
• Time in Patent Office: 434 Days
• Field of Search: 235/492, 235/380, 235/375, 235/379
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/351 Virtual cards
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/4016 involving fraud or risk level assessment in transaction processing

Abstract

A bank customer'"'"'s CE device passively eavesdrops on NFC communications between the customer'"'"'s electronic debit or credit card (“e-card”) and a third device and alerts the customer when such communication is detected from the e-card. In this way, the customer is alerted to possibly fraudulent “fishing” of the e-card data by a nearby thief device.

Claims

1. CE device comprising:

at least one processor;

at least one output device configured for being controlled by the processor;

at least one near field communication (NFC) receiver configured to provide input to the processor; and

at least one computer memory comprising instructions executable by the processor to;

receive input signals from the NFC receiver;

retrieve at least one identification (ID) from the signals from the NFC receiver;

compare the ID to at least one test ID, the test ID being an ID of an electronic transaction card (e-card);

responsive to the ID matching the test ID, present a user-perceptible alert on the output device; and

responsive to the ID not matching the test ID, not present the user-perceptible alert on the output device.

2. The CE device of claim 1, wherein the CE device is implemented by a wireless telephone.

3. The CE device of claim 1, wherein the NFC receiver is a radiofrequency identification (RFID) receiver.

4. The CE device of claim 1, wherein the instructions are executable to:

receive at least one test ID, the test ID being a same ID as the ID of the e-card, the e-card being correlated to a customer associated with the CE device.

5. The CE device of claim 4, wherein the test ID is received from a financial institution.

6. The CE device of claim 1, wherein the instructions are executable to:

responsive to receiving the signals from the NFC receiver, transmit a wireless signal to a financial institution indicating reception of the signal from the NFC receiver by the CE device.

7. The memory of claim 1, wherein the instructions are executable to:

send to the bank computer a signal indicating a selection in response to the prompt.

8. Non-transitory computer readable storage medium (NTCRSM) including instructions executable by a processor to:

receive input signals from an NFC receiver, the input signals being from an electronic transaction card (e-card);

retrieve at least one identification (ID) from the signals from the NFC receiver;

compare the ID to at least one test ID, the test ID being an ID of an electronic transaction card (e-card);

responsive to the ID matching the test ID, present a user-perceptible alert on an output device; and

responsive to the ID not matching the test ID, not present the user-perceptible alert.

9. The NTCRSM of claim 8, wherein the CE device is implemented by a wireless telephone.

10. The NTCRSM of claim 8, wherein the instructions are executable to:

receive at least one test ID, the test ID being a same ID as the ID of the e-card, the e-card being correlated to a customer associated with the CE device.

11. The NTCRSM of claim 8, wherein the instructions are executable to:

responsive to receiving the signals from the NFC receiver, transmit a wireless signal to a financial institution indicating reception of the signal from the NFC receiver by the CE device.

12. A method comprising:

receiving input signals from a near field communication (NFC) receiver;

retrieving at least one identification (ID) from the signals from the NFC receiver;

comparing the ID to at least one test ID, the test ID being an ID of an electronic transaction card (e-card);

responsive to the ID matching the test ID, presenting a user-perceptible alert on the output device; and

responsive to the ID not matching the test ID, not presenting the user-perceptible alert on the output device.

13. The method of claim 12, comprising:

receiving at least one test ID, the test ID being a same ID as the ID of the e-card, the e-card being correlated to a customer associated with the CE device.

14. The method of claim 13, comprising:

receiving the test ID from a financial institution.

15. The method of claim 12, comprising:

responsive to receiving the signals from the NFC receiver, transmitting a wireless signal to a financial institution indicating reception of the signal from the NFC receiver by the CE device.