Mobile phone payment with disabling feature

• US 9,647,855 B2
• Filed: 01/09/2008
• Issued: 05/09/2017
• Est. Priority Date: 01/09/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Deibert, Doug, Wong, Erick, Shenker, Gavin, Wentker, David
• Primary Examiner(s): OJIAKU, CHIKAODINAKA
• Application Number:
  US11/971,586
• Publication Number:
  US 20080172317A1
• Time in Patent Office: 3,408 Days
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3267 In-app payments
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 12/66 Arrangements for connecting between networks having differing types of switching systems, e.g. gateways
• CPC Class Codes: H04M 15/83 Notification aspects
• CPC Class Codes: H04M 15/8355 after the end of the communication
• CPC Class Codes: H04M 15/84 Types of notifications
• CPC Class Codes: H04M 15/844 Message, e.g. SMS
• CPC Class Codes: H04M 15/85 characterised by the type of condition triggering a notification
• CPC Class Codes: H04M 15/852 Low balance or limit reached
• CPC Class Codes: H04M 15/854 : Available credit
• CPC Class Codes: H04M 15/881 : for continuing the call beyond the limit using allow grace
• CPC Class Codes: H04M 15/93 : using near field or similar technologies
• CPC Class Codes: H04W 4/24 : Accounting or billing
• 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 88/02 : Terminal devices

Abstract

A method and system for payments for mobile phone payments with a disabling feature is disclosed. The method includes activating a mobile phone containing contactless payment systems, and having a timeout feature disable the contactless payment systems after a set period of time.

Claims

1. A method comprising:

entering a first configurable predetermined timeout time into a mobile phone, wherein the mobile phone comprises a contactless element that is configured to be read by a contactless reader in an access device, the mobile phone comprising a plurality of issuer specific mobile payment applications, each issuer specific mobile payment application associated with the mobile phone and capable of selection by a user, each issuer specific mobile payment application in the plurality of issuer specific mobile payment applications is associated with its own configurable predetermined timeout time, wherein the configurable predetermined timeout time is chosen by the user;

entering a password into a first issuer specific mobile payment application in the plurality of issuer specific mobile payment applications for a first time, the first issuer specific mobile payment application associated with payment account information;

initiating a first payment transaction using the mobile phone by executing the first issuer specific mobile payment application in the plurality of issuer specific mobile payment applications in the mobile phone after entering the password, wherein the first issuer specific mobile payment application has a pay functionality and is further configured for password protection;

during the first payment transaction, transmitting the payment account information to the access device, wherein the first issuer specific mobile payment application is a default mobile payment application;

during the first payment transaction, starting a timer to begin timing the first payment transaction and displaying a countdown timer that counts down from the first configurable predetermined timeout time;

for subsequent payment transactions before the first configurable predetermined timeout time has elapsed, reselecting the first issuer specific mobile payment application, the reselecting not requiring a password to be entered after the password is entered the first time, even while the first issuer specific mobile payment application is configured for password protection; and

disabling the first issuer specific mobile payment application after the first configurable predetermined timeout time has elapsed.

2. The method of claim 1 wherein each issuer specific mobile payment application in the plurality of issuer specific mobile payment applications is associated with a different issuer specific payment service.

3. The method of claim 1 wherein the first configurable predetermined timeout time is 30 seconds.

4. The method of claim 1 wherein the access device is a point of sale terminal.

5. The method of claim 1 further comprising setting the first issuer specific payment application to an always on state where payment transactions can be conducted with the first issuer specific payment application while the mobile phone is on.

6. The method of claim 5 wherein a contactless payment using the first issuer specific payment application cannot be made using the mobile phone when the first issuer specific payment application is disabled.

7. The method of claim 6 wherein the executing the first issuer specific payment application is performed by pressing a soft key on the mobile phone.

8. The method of claim 7 further comprising, displaying by the mobile phone a message that the mobile phone is ready to conduct a transaction.

9. The method of claim 8 wherein the first issuer specific payment application is linked to a debit card.