Near field communication activation and authorization

• US 9,552,579 B2
• Filed: 11/30/2015
• Issued: 01/24/2017
• Est. Priority Date: 01/30/2008
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Griffin, Kent, Stone, Carl
• Primary Examiner(s): LEE, JASON T
• Application Number:
  US14/955,011
• Publication Number:
  US 20160086164A1
• Time in Patent Office: 421 Days
• Field of Search: 726/2
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 17/32 for games, toys, sports, or amusements
• CPC Class Codes: H04B 5/00 Near-field transmission systems, e.g. inductive or capacitive transmission systems
• CPC Class Codes: H04L 63/06 for supporting key management in a packet data network cryptographic mechanisms or cryptographic arrangements for key management H04L9/08
• CPC Class Codes: H04L 67/04 specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 4/50 : Service provisioning or reconfiguring
• 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

Abstract

A method of activation and authorization of a near field communication (NFC) enabled device comprising: receiving login information from an NFC enabled device; sending packet data via a network in response to receiving the login information from the NFC enabled device; and receiving corresponding data from the NFC enabled device in response to the sending of the packet data, the sending of the packet data and the receiving of the corresponding code facilitates the activation and authorization of the NFC enabled device, and the subsequent activation of the NFC device via a NFC link without further authorization of the NFC enabled device, is described herein.

Claims

1. A transaction processing system, comprising:

a non-transitory memory; and

one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the transaction processing system to perform operations comprising;

determining that a money transfer request is received from a sender requesting a transfer of money from an account of the sender to an account of a recipient;

detecting that a recipient device of the recipient is brought within an Near Field Communication (NFC) range of the transaction processing system;

in response to the detecting, establishing an NFC link with the recipient device;

automatically retrieving recipient information that identifies the account of the recipient from the recipient device via the NFC link; and

sending the money transfer request and the recipient information to a payment provider device to cause the payment provider device to process the money transfer request.

2. The transaction processing system of claim 1, wherein the NFC link is established based on a physical contact between the transaction processing system and the recipient device.

3. The transaction processing system of claim 1, wherein the recipient information is retrieved from the recipient device in response to a first physical contact between the transaction processing system and the recipient device and the money transfer request is sent to the payment provider device in response to a second physical contact between the transaction processing system and the recipient device.

4. The transaction processing system of claim 3, wherein the operations further comprise:

presenting a summary of the money transfer request for sender confirmation after the first physical contact and before the second physical contact.

5. The transaction processing system of claim 1, wherein the operations further comprise:

receiving a user selection of a funding source via a payment application installed on the transaction processing system for making the transfer of money; and

receiving a user input of an amount of the transfer of money via the payment application.

6. The transaction processing of claim 5, wherein the recipient information is retrieved before receiving the user selection of a funding source or receiving the user input of the amount of the transfer of money.

7. The transaction processing system of claim 1, wherein the operations further comprise:

receiving a confirmation from the payment provider device after the transfer of money is successfully processed.

8. The transaction processing system of claim 1, wherein the operations further comprise:

communicating login information and a public key to the payment provider device for activation and authorization of the payment application, wherein the login information comprises one or more of a phone number, a pin number, an email address, and a password;

receiving packet data sent from the payment provider device in response to receiving the login information and the public key from the transaction processing system; and

storing the packet data for subsequent activation of the payment application.

9. The transaction processing system of claim 8, wherein the packet data includes data associated with the transaction processing system and comprises one or more of a country, a currency, a language, or a security code.

10. The transaction processing system of claim 1, wherein the recipient device comprises one of a cell phone, a fob, a smartcard, a personal digital assistant (PDA), a smart phone, a computer, a personal computer (PC), or a point of purchase (POP) terminal.

11. The transaction processing system of claim 1, wherein the NFC link is established automatically in response to positioning the transaction processing system within a predetermined proximity to the recipient device.

12. A transaction processing method comprising:

determining, by a device of a sender, that a money transfer request is received from the sender requesting a transfer of money from an account of the sender to an account of a recipient;

detecting, by the device of the sender, that a recipient device of the recipient is brought within an Near Field Communication (NFC) range of the device of the sender;

in response to the detecting, establishing, by the device of the sender, an NFC link with the recipient device;

automatically retrieving, by the device of the sender, recipient information that identifies the account of the recipient from the recipient device via the NFC link; and

sending, by the device of the sender, the money transfer request and the recipient information to a payment provider device to cause the payment provider device to process the money transfer request.

13. The method of claim 12, wherein the NFC link is established based on a physical contact between the device of the sender and the recipient device.

14. The method of claim 12, wherein the recipient information is retrieved from the recipient device in response to a first physical contact between the device of the sender and the recipient device and the money transfer request is sent to the payment provider device in response to a second physical contact between the device of the sender and the recipient device.

15. The method of claim 14, further comprising:

presenting, by the device of the sender, a summary of the money transfer request for sender confirmation after the first physical contact and before the second physical contact.

16. The method of claim 12, further comprising:

receiving, by the device of the sender, a user selection of a funding source via a payment application installed on the device of the sender for making the transfer of money; and

receiving, by the device of the sender, a user input of an amount of the transfer of money via the payment application.

17. The method of claim 16, wherein the recipient information is retrieved before receiving the user selection of a funding source or receiving the user input of the amount of the transfer of money.

18. The method of claim 12, further comprising:

receiving, by the device of the sender, a confirmation after the transfer of money is successfully processed.

19. A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:

determining, by a device of a sender, that a money transfer request is received from the sender requesting a transfer of money from an account of the sender to an account of a recipient;

detecting that a recipient device of the recipient is brought within an Near Field Communication (NFC) range of the device of the sender;

in response to the detecting, establishing, by the device of the sender, an NFC link with the recipient device;

automatically retrieving, by the device of the sender, recipient information that identifies the account of the recipient from the recipient device via the NFC link; and

sending, by the device of the sender, the money transfer request and the recipient information to a payment provider device to cause the payment provider device to process the money transfer request.

20. The non-transitory machine-readable medium of claim 19, wherein the NFC link is established based on a physical contact between the device of the sender and the recipient device.