Adding card to mobile wallet using NFC
First Claim
Patent Images
1. A method, comprising:
- retrieving, by a computing device, data from a payment instrument detected proximate to the computing device;
determining an account number associated with the payment instrument based at least on the data;
causing a user interface of the computing device to display account information with a plurality of fields, wherein the account information comprises at least a portion of the account number, and wherein at least one field from the plurality of fields is configured to receive an input to change the account information displayed;
receiving an authentication input in the plurality of fields that indicates a user identifier;
determining the user identifier is stored in one or more databases;
determining an authentication of the user identifier based at least on the user identifier stored in the one or more databases and the account information; and
causing the user interface to display an option to add the account number to a user account accessible by the computing device based at least on the authentication of the user identifier.
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Abstract
A user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user'"'"'s mobile/cloud wallet.
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Citations
20 Claims
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1. A method, comprising:
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retrieving, by a computing device, data from a payment instrument detected proximate to the computing device; determining an account number associated with the payment instrument based at least on the data; causing a user interface of the computing device to display account information with a plurality of fields, wherein the account information comprises at least a portion of the account number, and wherein at least one field from the plurality of fields is configured to receive an input to change the account information displayed; receiving an authentication input in the plurality of fields that indicates a user identifier; determining the user identifier is stored in one or more databases; determining an authentication of the user identifier based at least on the user identifier stored in the one or more databases and the account information; and causing the user interface to display an option to add the account number to a user account accessible by the computing device based at least on the authentication of the user identifier. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A system, comprising:
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non-transitory memory; and one or more hardware processors couples to the non-transitory memory and configured to execute instructions to cause the system to perform operations comprising; retrieving, by a computing device, data from a payment instrument detected proximate to the computing device; determining an account number associated with the payment instrument based at least on the data; causing a user interface of the computing device to display account information with a plurality of fields, wherein the account information comprises at least a portion of the account number, and wherein at least one field from the plurality of fields is configured to receive an input to change the account information displayed; receiving an authentication input in the plurality of fields that indicates a user identifier; determining the user identifier is stored in one or more databases; determining an authentication of the user identifier based at least on the user identifier stored in the one or more databases and the account information; and causing the user interface to display an option to add the account number to a user account accessible by the computing device based at least on the authentication of the user identifier. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A non-transitory machine readable medium having stored thereon machine readable instructions executable to cause a machine to perform operations comprising:
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retrieving, by a computing device, data from a payment instrument detected proximate to the computing device; determining an account number associated with the payment instrument based at least on the data; causing a user interface of the computing device to display account information with a plurality of fields, wherein the account information comprises at least a portion of the account number, and wherein at least one field from the plurality of fields is configured to receive an input to change the account information displayed; receiving an authentication input in the plurality of fields that indicates a user identifier; determining the user identifier is stored in one or more databases; determining an authentication of the user identifier based at least on the user identifier stored in the one or more databases and the account information; and causing the user interface to display an option to add the account number to a user account accessible by the computing device based at least on the authentication of the user identifier. - View Dependent Claims (16, 17, 18, 19, 20)
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Specification