Two step near field communication transactions

• US 9,558,485 B2
• Filed: 09/30/2008
• Issued: 01/31/2017
• 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 B.
• Primary Examiner(s): Dass, Harish T
• Application Number:
  US12/242,627
• Publication Number:
  US 20090192937A1
• Time in Patent Office: 3,045 Days
• Field of Search: 455/412.1, 455/406, 455/412, 235/380, 235/379, 705/39, 705 41- 42, 705/76, 463/39
• 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 two step method for transferring money from a sender to a recipient includes entering information relating to the transfer into a near field communication (NFC) enabled device of the sender. The device is then placed in contact with or close proximity to a recipient'"'"'s device a first time, causing the sender'"'"'s device to establish an NFC link between the two devices and to gather information relating to the recipient via the NFC link. The sender'"'"'s device is then placed in contact with or close proximity to the recipient'"'"'s device a second time, causing it to transmit the information relating to the transfer and the recipient to a third party service provider via another network, e.g., the Internet, thereby causing the service provider to transfer the money from an account of the sender to an account of the recipient.

Claims

1. A method, comprising:

receiving information relating to a transfer by a near field communication (NFC) enabled data communication device of a sender;

detecting the device of the sender is within a first proximity to an NFC enabled data communication device of a recipient a first time;

in response to the detecting;

establishing a first NFC link between the device of the sender and the device of the recipient; and

transmitting information relating to the recipient from the device of the recipient to the device of the sender via the first NFC link;

detecting the device of the sender is within the first proximity to the device of the recipient a second time; and

in response to detecting the device of the sender is within the first proximity of the device of the recipient the second time;

establishing a second NFC link between the device of the sender and the device of the recipient;

in response to establishing the second NFC link, establishing a data communication link between the device of the sender and a third party service provider via a network; and

transmitting the information relating to the transfer and the information relating to the recipient directly from the device of the sender to the third party service provider via the network and thereby cause the service provider to transfer money from a funding account of the sender to a receiving account of the recipient.

2. The method of claim 1, further comprising receiving changes to the information relating to the transfer after detecting the device of the sender is within the first proximity to the device of the recipient the first time and before detecting the device of the sender is within the first proximity to the device of the recipient the second time.

3. The method of claim 1, wherein at least one of the NFC enabled devices of the sender and the recipient comprises a cell phone, a personal digital assistant (PDA), a smart phone, a fob, a smartcard, a computer, a personal computer (PC) or a point of purchase (POP) terminal.

4. The method of claim 1, wherein detecting the device of the sender within the first proximity to the device of the recipient the first time and the second time comprises detecting the device of the recipient being tapped with the device of the sender.

5. The method of claim 1, wherein the information relating to the transfer comprises at least one of the group consisting of the sender'"'"'s identity, funding account and amount of the transfer.

6. The method of claim 1, wherein the information relating to the recipient comprises at least one of the group consisting of the recipient'"'"'s identity, cell phone number, email address and receiving account.

7. The method of claim 1, wherein the network comprises the Internet, an intranet, a landline network or a wireless network.

8. The method of claim 1, further comprising transferring other information to the service provider along with the information relating to the transfer and the information relating to the recipient, the other information comprising one or more of the group consisting of the user'"'"'s identity, password, pin number, avatars and icons.

9. The method of claim 1, further comprising receiving a message confirming the transfer of the money from the sender to the recipient.

10. The method of claim 9, wherein the message comprises at least one of the group consisting of a visible message, an audible message and a tactile message.

11. The method of claim 1, wherein each of the device of the sender and the device of the recipient comprises software adapted to facilitate at least one of:

establishing the first NFC link and the second NFC link between the device of the sender and the device of the recipient; and

effecting the transfer of the money from the sender to the recipient.

12. The method of claim 1, further comprising:

encrypting communications between the device of the sender and the device of the recipient via the first NFC link and the second NFC link; and

encrypting communications between the device of the sender and the service provider via the network.

13. A system, comprising:

a sender'"'"'s near field communication (NFC) enabled data communication device adapted to receive information relating to a transfer entered by the sender; and

a recipient'"'"'s NFC enabled data communication device adapted to transmit information relating to the recipient to the sender'"'"'s device via a first NFC link established between the two devices,

wherein the sender'"'"'s device is operable in response to detecting the recipient'"'"'s device within a first proximity a first time to;

establish the first NFC link between the sender'"'"'s device and the recipient'"'"'s device; and

gather the information relating to the recipient from the recipient'"'"'s device via the first NFC link; and

wherein the sender'"'"'s device is operable in response to detecting the recipient'"'"'s device within the first proximity a second time to;

establish a second NFC link between the sender'"'"'s device and the recipient'"'"'s device; and

in response to establishing the second NFC link, transmit the information relating to the transfer and the information relating to the recipient to a third party service provider via a network and thereby cause the service provider to transfer money from a funding account of the sender to a receiving account of the recipient.

14. The system of claim 13, wherein at least one of the sender'"'"'s and the recipient'"'"'s NFC enabled devices comprises a cell phone, a personal digital assistant (PDA), a smart phone, a fob, a smartcard, a computer, a personal computer (PC) or a point of purchase (POP) terminal.

15. The system of claim 13, further comprising a service provider server device operable to receive the information relating to the transfer and information relating to the recipient from the sender'"'"'s device via the network and to verify, authorize and confirm the transfer of the money from the sender to the recipient.

16. The system of claim 15, wherein the service provider server device is further operable to effect the transfer of the money from the funding account of the sender to the receiving account of the recipient.

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

provisioning a near field communication (NFC) enabled data communication device of a recipient of money with information relating to the recipient, the information including a designated acquiring account of the recipient;

establishing a first NFC link between the device of the recipient and an NFC enabled data communication device of a sender of the money;

transmitting the information relating to the recipient from the device of the recipient to the device of the sender via the first NFC link;

establishing a second NFC link between the device of the recipient and the device of the sender; and

receiving the money in the designated acquiring account of the recipient,

wherein establishing the first NFC link and transmitting the information relating to the recipient comprise detecting the device of the recipient and the device of the sender within a first proximity to each other a first time, and

wherein establishing the second NFC link and receiving the money in the designated acquiring account of the recipient comprise detecting the device of the recipient and the device of the sender within the first proximity to each other a second time.

18. The non-transitory machine-readable medium of claim 17, wherein detecting the device of the recipient and the device of the sender within the first proximity to each other the first time and the second time comprises detecting the device of the sender and the device of the recipient being within a range of from about 0 to about 10 centimeters from each other.

19. The non-transitory machine-readable medium of claim 17, wherein detecting the device of the recipient and the device of the sender within the first proximity to each other the first time and the second time comprises detecting the device of the recipient touching the device of the sender.

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

receiving, at a service provider, information relating to a transfer of money to a recipient from a sender and information relating to the recipient via a network; and

transferring the money from a funding account of the sender to a receiving account of the recipient in response to receiving the information relating to the transfer and the information relating to the recipient by the service provider,

wherein the information relating to the recipient is transmitted from the recipient to the service provider at least in part via a first near field communication (NFC) link and is effected by detecting respective NFC enabled data communication devices of the sender and the recipient within the first proximity to each other a first time to establish the first NFC link, and

wherein transferring the money is in response to establishing a second NFC link and is effected by detecting the respective data communication devices of the sender and the recipient within the first proximity to each other a second time to establish the second NFC link.

21. The non-transitory machine-readable medium of claim 20, further comprising sending a message confirming the transfer of the money to at least one of the sender and the recipient.

22. The non-transitory machine-readable medium of claim 21, wherein the message comprises at least one of the group consisting of a visible message, an audible message and a tactile message.