Induction based transaction using a management server

• US 9,646,294 B2
• Filed: 12/11/2012
• Issued: 05/09/2017
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US13/710,610
• Publication Number:
  US 20130103513A1
• Time in Patent Office: 1,610 Days
• Field of Search: 455 411, 455406, 455410, 4555561, 455558, 705 16, 705 18, 705 30, 705 40, 705 41, 705 44, 705 64, 235379, 23546211, 23546242, 235380-385, 235492, 235451
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 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 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• 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 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• 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 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 : insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 : Electronic credentials
• 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 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/409 : Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0238 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0251 : Targeted advertisements
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0255 : based on user history
• CPC Class Codes: G06Q 30/0267 : Wireless devices
• CPC Class Codes: G06Q 30/0268 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 : Third-party assisted
• CPC Class Codes: G06Q 30/0635 : Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/10 : Tax strategies
• CPC Class Codes: G06Q 40/12 : Accounting
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04B 5/70 : specially adapted for specific purposes
• CPC Class Codes: H04M 1/72445 : for supporting Internet browser applications
• CPC Class Codes: H04N 21/812 : involving advertisement data advertising per se G06Q30/02
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/18 : Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 4/21 : for social networking applications
• 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 8/205 : Transfer to or from user equipment or user record carrier
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Claims

1. A management server for processing a Near Field Communication (NFC) transaction comprising:

a management server wireless transceiver configured to;

receive an identification code from a point of sale (POS) terminal, the POS terminal including a terminal processor that receives the identification code from a secure element embedded within the body of a mobile device, wherein a secure element processor initiates execution of an NFC application maintained in a secure element memory in response to an NFC inductive signal from the POS terminal and further wherein the NFC application transmits the identification code to the POS terminal using a first communication channel in response to the NFC inductive signal from the POS terminal, wherein the secure element processor and the secure element memory are included in the secure element, the mobile device including a mobile device display, a mobile device memory, a mobile device processor, and mobile device transceiver;

transmit transaction information including a payment method corresponding to the identification code to a transaction server configured to process the NFC transaction using the payment method corresponding to the identification code;

after the NFC transaction has been processed, receives a transaction verification from the transaction server, wherein the transaction verification indicates that the NFC transaction has been processed.

2. The management server of claim 1, wherein the point of sale terminal is a desktop computer, a laptop computer, or a thin client, and wherein the point of sale terminal includes an NFC chip configured as an NFC scanner and an NFC reader.

3. The management server of claim 1, further comprising a management server processor configured to automatically apply a coupon during a near field communication interaction between the secure element and the POS terminal.

4. The management server of claim 1, wherein the payment method is a credit card.

5. The management server of claim 1, further comprising, after the NFC transaction has been processed, the management server wireless transceiver is configured to send a digital artifact to a non-browser based mobile application stored on the mobile device for display in the non-browser based mobile application.

6. The management server of claim 5, further wherein the digital artifact is accessible by the non-browser based mobile application when the mobile device is not connected to a network.

7. The management server of claim 1, wherein a security tool s implemented at the non-browser based mobile application, and wherein implementation of the security tool comprises prompting the user to login to the mobile device, using biometrics to authenticate the user before authorizing the NFC transaction, disabling use of the non-browser based mobile application, prompting the user to enter a payment limit PIN in response to a pending purchase exceeding a pre-determined amount, temporarily disabling the secure element, permanently disabling the secure element, deleting all cached data stored in the mobile device memory, and/or storing encrypted security codes on the mobile device, wherein disabling the secure element prevents the near field communication transaction, coupon redemption, and ticket redemption.

14. The management server of claim 5, wherein the digital artifact comprises an advertisement, receipt, ticket, coupon, media, metadata and/or content.

15. The management server of claim 1, further wherein data stored on the mobile device is encrypted using a mobile operating system native to the mobile device.

16. The management server of claim 1, wherein the payment method is a debit card.

20. The management server of claim 1, wherein the payment method is a cash card.

8. A method for processing a Near Field Communication (NFC) transaction comprising:

receiving, at a management server, an identification code from a point of sale (POS) terminal, the POS terminal including a terminal processor that receives the identification code from a secure element embedded within the body of a mobile device, and further wherein a secure element processor initiates execution of an NFC application maintained in a secure element memory and transmits, using the NFC application, the identification code to the POS terminal using a first communication channel in response to an NFC inductive signal from the POS terminal, wherein the secure element processor and the secure element memory are included in the secure element, the mobile device including a mobile device display, a mobile device memory, a mobile device processor, and a mobile device transceiver;

transmitting, from the management server, transaction information including a payment method corresponding to the identification code to a transaction server which processes the NFC transaction using the payment method corresponding to the identification code;

after the NFC transaction has been processed, receiving, at the management server, a transaction verification from the transaction server, wherein the transaction verification indicates that the NFC transaction has been processed.

9. The method of claim 8, wherein the point of sale terminal is a desktop computer, a laptop computer, or a thin client, and wherein the point of sale terminal includes an NFC chip configured as an NFC scanner and an NFC reader.

10. The method of claim 8, further comprising automatically applying a coupon during a near field communication interaction between the secure element and the POS terminal.

11. The method of claim 8, wherein the payment method is a credit card.

12. The method of claim 8, further wherein after the NFC transaction has been processed, sending by the management server, a digital artifact to a non-browser based mobile application stored on the mobile device for display in the non-browser based mobile application.

13. The method of claim 12, further wherein the digital artifact is accessible by the non-browser based mobile application when the mobile device is not connected to a network.

17. The method of claim 12, the digital artifact comprises an advertisement, receipt, ticket, coupon, media, metadata and/or content.

18. The method of claim 8, wherein data stored on the mobile device is encrypted using a mobile operating system native to the mobile device.

19. The method of claim 8, wherein the payment method is a debit card.

21. The method of claim 8, wherein the payment method is a cash card.