One-click offline buying
First Claim
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1. A computer-implemented method to initiate mobile computing device contactless payment transactions, comprising:
- detecting, by a programmed mobile computing device, whether a screen activation status of the programmed mobile computing device is active or inactive;
in response to detecting that the screen activation status is inactive, maintaining a contactless communication system of the programmed mobile computing device and a secure element of the programmed mobile computing device in an inactive state, wherein an antenna of the contactless communication system and the secure element cannot receive or transmit data until activated;
in response to detecting that the screen activation status is active, activating, by the programmed mobile computing device, the contactless communication system of the programmed mobile computing device and the secure element of the programmed mobile computing device, wherein the antenna of the contactless communication system and the secure element can receive or transmit data when activated;
detecting, by the programmed mobile computing device, a contactless communication reader terminal signal;
establishing, by the programmed mobile computing device, a contactless communication session with the reader terminal in response to detecting the reader terminal signal;
receiving, by the programmed mobile computing device, information to conduct a payment transaction from the reader terminal; and
communicating, by the programmed contactless communication system of the mobile computing device, default payment information stored in the secure element of the mobile computing device to the reader terminal in response to receiving the information to conduct the payment transaction.
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Abstract
Contactless payment transactions are initiated through single input activation of a mobile device'"'"'s secure element and contactless communication system. Activation of the secure element and the contactless communication system is coupled to the activation status of the mobile device'"'"'s screen. Activation of the secure element may be further coupled to the activation status of an electronic wallet application. Where activation of the electronic wallet application is required, one-click activation of the electronic wallet application and secure element is provided.
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Citations
24 Claims
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1. A computer-implemented method to initiate mobile computing device contactless payment transactions, comprising:
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detecting, by a programmed mobile computing device, whether a screen activation status of the programmed mobile computing device is active or inactive; in response to detecting that the screen activation status is inactive, maintaining a contactless communication system of the programmed mobile computing device and a secure element of the programmed mobile computing device in an inactive state, wherein an antenna of the contactless communication system and the secure element cannot receive or transmit data until activated; in response to detecting that the screen activation status is active, activating, by the programmed mobile computing device, the contactless communication system of the programmed mobile computing device and the secure element of the programmed mobile computing device, wherein the antenna of the contactless communication system and the secure element can receive or transmit data when activated; detecting, by the programmed mobile computing device, a contactless communication reader terminal signal; establishing, by the programmed mobile computing device, a contactless communication session with the reader terminal in response to detecting the reader terminal signal; receiving, by the programmed mobile computing device, information to conduct a payment transaction from the reader terminal; and communicating, by the programmed contactless communication system of the mobile computing device, default payment information stored in the secure element of the mobile computing device to the reader terminal in response to receiving the information to conduct the payment transaction. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer-implemented method for initiating mobile computing device contactless payment transactions, comprising:
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detecting, by a programmed mobile computing device, whether a screen activation status of the mobile computing device is active or inactive; in response to detecting that the screen activation status is active, activating, by the programmed mobile computing device, a contactless communication system of the mobile device, wherein an antenna of the contactless communication system cannot receive or transmit data until activated; in response to activating the contactless communication system, activating, by the programmed mobile computing device, a secure element of the mobile computing device, wherein default payment information is stored in the secure element, and wherein the secure element cannot transmit or receive data until activated; detecting, by the contactless communication system of the programmed mobile computing device, a signal from a reader terminal; and communicating, by the contactless communication system of the programmed mobile computing device, the default payment information stored in the secure element of the mobile computing device to the reader terminal in response to detecting the reader terminal signal. - View Dependent Claims (9, 10, 11, 12, 13, 14, 15)
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16. A computer program product, comprising:
a non-transitory computer readable medium having computer-readable program code embodied thereon that when executed by a mobile computing device causes the mobile computing device to activate a secure element of the mobile computing device, the computer-readable medium comprising; computer-readable program code to detect whether a screen activation status of the mobile computing device is active or inactive; computer-readable program code to activate a contactless communication system and a secure element of a the mobile computing device in response to detecting that the screen activation status is active, wherein an NFC antenna of the contactless communication system and the secure element cannot receive or transmit data until activated; computer-readable program code for receiving a one-click input, wherein the one-click input initiates a contactless payment transaction using default payment information stored in the secure element of the mobile computing device; computer-readable program code for communicating the one-click input to the secure element, wherein receipt of the communication by a control software application of the secure element activates the secure element; computer-readable program code for identifying the default payment information stored in the secure element; and computer-readable program code for preparing the default payment information for communication by the mobile computing device to a terminal reader. - View Dependent Claims (17, 18, 19, 20)
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21. A mobile computing device for processing mobile device contactless payment transactions, comprising:
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a contactless communication device comprising an antenna, wherein the antenna cannot receive or transmit data when inactive; a storage device comprising a secure element, wherein the secure element cannot transmit or receive data when inactive; and a processor communicatively coupled to the contactless communication device and the storage device, wherein the processor executes application code instructions that cause the mobile computing device to; detect a screen activation status of a screen of the mobile computing device; activate the contactless communication device when the screen activation status is detected as being active; activate the secure element when the screen activation status is detected as being active; detect a contactless communication signal of a reader terminal; access default payment information stored in the secure element in response to detecting the contactless communication of the reader terminal; and communicate, via the contactless communication system, the default payment information to the reader terminal. - View Dependent Claims (22, 23, 24)
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Specification