Automated opening of electronic wallet function in mobile device

• US 9,292,845 B2
• Filed: 04/15/2014
• Issued: 03/22/2016
• Est. Priority Date: 02/25/2009
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Phillips, Simon
• Primary Examiner(s): Robinson, Kito R
• Application Number:
  US14/253,214
• Publication Number:
  US 20140209673A1
• Time in Patent Office: 707 Days
• Field of Search: 705/41, 705/35, 235/379
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A method includes bringing a mobile device into proximity with an indicium, the indicium adjacent a radio frequency identification (RFID) integrated circuit (IC), the RFID IC coupled to an antenna. The method further includes the mobile device reading a message from the RFID IC, where the message is transmitted by the RFID IC via the antenna. The method further includes the mobile device responding to the message by opening an electronic wallet function in the mobile device.

Claims

1. A method comprising:

receiving, by at least one radio frequency identification (RFID) tag, a first interrogation signal from a mobile device in proximity with the at least one RFID tag;

transmitting, in response to the first interrogation signal, a message from the at least one RFID tag to the mobile device, the mobile device to open an electronic wallet function in the mobile device in response to receiving the message; and

receiving a second interrogation signal from the mobile device by a proximity reader to initiate a purchase transaction, the proximity reader being located spaced apart from the RFID tag and the mobile device having opened the electronic wallet function in the mobile device in advance of the mobile device sending the second interrogation signal to the proximity reader to initiate the purchase transaction.

2. The method of claim 1, wherein the RFID tag is located adjacent to an indicium.

3. The method of claim 2, wherein the indicium is carried on a purchase separator, spaced apart from the proximity reader.

4. The method of claim 1, further comprising receiving an indication of a payment account number selected from at least one payment account number in the electronic wallet to use in the purchase transaction.

5. The method of claim 4, wherein the selected payment account number is selected by at least one of:

(1) a user of the mobile device and (2) automatically based on the message from the at least one RFID tag to the mobile device.

6. The method of claim 1, further comprising receiving an indication of a user-selected payment account number selected from at least one payment account number in the electronic wallet to use in the purchase transaction.

7. The method of claim 1, further comprising receiving an indication of a personal identification number to authorize use of the electronic wallet to use in the purchase transaction.

8. The method of claim 1, wherein the mobile device comprises functionality for at least one of a mobile telephone, a personal digital assistant, and a music player.

9. A system, the system comprising:

at least one radio frequency identification (RFID) tag to receive a first interrogation signal from a mobile device in proximity with the at least one RFID tag and to transmit, in response to the received first interrogation signal, a message from the at least one RFID tag to the mobile device, the mobile device to open an electronic wallet function in the mobile device in response to receiving the message; and

a proximity reader spaced apart from the at least one RFID IC to receive a second interrogation signal from the mobile device to initiate a purchase transaction, the mobile device having opened the electronic wallet function in the mobile device in advance of the mobile device sending the second interrogation signal to the proximity reader to initiate the purchase transaction.

10. The system of claim 9, further comprising an indicium located adjacent to the RFID tag.

11. The system of claim 10, wherein the indicium is carried on a purchase separator, spaced apart from the proximity reader.

12. The system of claim 9, wherein the proximity reader further receives an indication of a payment account number selected from at least one payment account number in the electronic wallet to use in the purchase transaction.

13. The system of claim 12, wherein the selected payment account number is selected by at least one of:

(1) a user of the mobile device and (2) automatically based on the message from the at least one RFID tag to the mobile device.

14. The system of claim 9, wherein the mobile device is a mobile telephone, a personal digital assistant or a music player.