Peer-to-peer transfer between mobile devices with coupled secure elements

• US 9,361,612 B2
• Filed: 10/11/2012
• Issued: 06/07/2016
• Est. Priority Date: 11/14/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Ajibade Akonai, Olumide T
• Application Number:
  US13/650,086
• Publication Number:
  US 20130035069A1
• Time in Patent Office: 1,335 Days
• Field of Search: 455/90.3, 455/575.5, 455/41.2, 455/558
• US Class Current: 1/1
• 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 method for transferring data between two mobile devices using near field communication, the method comprising:

maintaining a first application and transaction data in a first secure element memory included in a first secure element, the first secure element coupled to a first mobile device, the first mobile device configured to use a first communication channel;

executing the first application using a first secure element processor included in the first secure element, the first secure element processor uses near field communication, wherein the first application is executed without communication with the mobile device processor in response to a near field communication inductive interaction with a second secure element coupled to a second mobile device, wherein execution of the first application facilitates the transfer of the transaction data to the second secure element, the second secure element including a second memory, a second processor that uses near field communication, and a plurality of communications transceiver and wherein each of the communications transceivers support a respective communications protocol and wherein one of the plurality of communications transceiver uses for near field communication;

transmitting the transaction data to the second secure element using the near field communication transceiver and a second communication channel different from the first communication channel.

2. The method of claim 1, wherein the second secure element includes a wireless transceiver configured to use a third communication channel to transmit transaction data to the second mobile device.

3. The system of method of claim 1, wherein the first secure element is electrically connected to the electrical interior components of the first mobile device.

4. A system comprising:

a first secure element memory included in a first secure element, the first secure element memory configured to maintain a first application and transaction data, wherein the first secure element is coupled to a first mobile device and is configured to use a first communication channel;

a first secure element processor to execute the first application included in the first secure element, the first secure element processor that uses near field communication, wherein the first application is executed without communication with the mobile device processor in response to a near field communication inductive interaction with a second secure element coupled to a second mobile device, wherein execution of the first application facilitates a transfer of the transaction data to the second secure element, the second secure element including a second memory and a second processor that uses near field communication, and a plurality of communications transceiver and wherein each of the communications transceivers support a respective communications protocol and wherein one of the plurality of communications transceiver uses near field communication; and

a transmitter configured to send the transaction data to the second secure element using the near field communication transceiver and a second communication channel different from the first communication channel.

5. The system of claim 4, wherein the first secure element is electrically connected to the electrical interior components of the first mobile device.