Induction based transactions at a moble device with authentication

• US 9,652,771 B2
• Filed: 06/07/2016
• Issued: 05/16/2017
• Est. Priority Date: 11/14/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc.
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): AJIBADE AKONAI, OLUMIDE
• Application Number:
  US15/175,150
• Publication Number:
  US 20160314457A1
• Time in Patent Office: 343 Days
• Field of Search: 455405, 455406, 455407, 455408, 455409, 455410, 455411, 4554141, 455418, 455419, 455550, 4555521, 4555531, 4555561, 455557, 455558, 455 411, 455 412, 455 413, 705 261, 705 39, 705 40, 705 42, 705 64, 705 75, 235379, 235380, 235492
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• 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 20/3229 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 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: H04B 5/72 for local intradevice communication
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04W 12/062 Pre-authentication
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 12/082 : using revocation of authorisation
• 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 88/06 : adapted for operation in multiple networks or having at least two operational modes, e.g. multi-mode terminals

Abstract

A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

Claims

1. A method for conducting a Near Field Communication (NFC) transaction using an NFC protocol, the method comprising:

storing a non-browser based-application in a mobile device memory included in the mobile device, wherein the non-browser based application is a mobile operating system platform non browser based mobile application preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device transceiver that supports voice and data interactions through a first communication channel, an NFC transceiver configured to use the NFC protocol through a second communication channel, an NFC processor configured to use the NFC protocol, and a secure element memory, wherein the secure element memory includes an identification code and a secure element application configured to use the NFC protocol;

receiving, at the non-browser based application, user authentication information, wherein the non-browser based application stored on the mobile device receives the user authentication information via the mobile device display of the mobile device and further wherein the user authentication information includes biometric data;

upon receipt of the user authentication information, authenticating, at the mobile device, a user associated with the user authentication information before the NFC transaction;

executing the secure element application by the NFC processor in response to a near field communication inductive signal by an NFC terminal; and

transmitting, using the secure element application, the identification code via the second communication channel to the NFC terminal, wherein the identification code is transmitted to a server for processing the near field communication transaction using a payment method that corresponds to the identification code.

2. The method of claim 1, wherein the payment method is a default payment method.

3. The method of claim 1, wherein the payment method is a user selected payment method.

4. The method of claim 1, further comprising applying a coupon during the near field communication transaction.

5. The method of claim 1, further wherein a digital artifact is delivered from the server to the mobile device using the first communication channel.

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

7. The method of claim 5, wherein the digital artifact includes metadata operable to trigger a secondary call-to-action.

8. The method of claim 1, further wherein a digital artifact is received through the NFC transceiver at the secure element after purchase from the NFC terminal during an NEC interaction between the secure element and the NFC terminal using the second communication channel.

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

10. A mobile device for conducting a Near Field Communication (NFC) transaction using an NFC protocol, the mobile device comprising:

a mobile device memory including a non-browser based-application, wherein the non-browser based application is a mobile operating system platform non browser based mobile application preinstalled or downloaded and installed on the mobile device;

a mobile device transceiver that supports voice and data interactions through a first communication channel;

a mobile device processor that receives, at the non-browser based application, user authentication information, wherein the non-browser based application stored on the mobile device receives the user authentication information via the mobile device display of the mobile device and further wherein the user authentication information includes biometric data; and

upon receipt of the user authentication information, authenticating, at the mobile device, a user associated with the user authentication information before the NFC transaction;

an NFC processor that executes a secure element application in response to a near field communication inductive signal by an NFC terminal;

a secure element memory that maintains an identification code and the secure element application configured to use the NFC protocol, wherein the secure element application transmits the identification code through a second communication channel to an NFC terminal in response to the near field communication inductive signal by the NFC terminal, and further wherein the identification code is transmitted to a server for processing the near field communication transaction using a payment method that corresponds to the identification code; and

an NFC transceiver configured to use the NFC protocol through the second communication channel.

11. The mobile device of claim 10, wherein the payment method is a default payment method.

12. The mobile device of claim 10, wherein the payment method is a user selected payment method.

13. The mobile device of claim 10, further comprising applying a coupon during the near field communication transaction.

14. The mobile device of claim 10, further wherein a digital artifact is delivered from the server to the mobile device using the first communication channel.

15. The mobile device of claim 14, wherein the digital artifact comprises an advertisement, receipt, ticket, coupon, media, metadata and/or content.

16. The mobile device of claim 14, wherein the digital artifact includes metadata operable to trigger a secondary call-to-action.

17. The mobile device of claim 10, further wherein a digital artifact is received through the NFC transceiver at the secure element after purchase from the NFC terminal during an NFC interaction between the secure element and the NFC terminal using the second communication channel.

18. The mobile device of claim 10, further wherein data stored on the mobile device is encrypted using a mobile operating system native to the mobile device.

19. A non-transitory computer readable medium for conducting a Near Field Communication (NFC) transaction using an NFC protocol comprising:

computer code for storing a non-browser based-application in a mobile device memory included in the mobile device, wherein the non-browser based application is a mobile operating system platform non browser based mobile application preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device transceiver that supports voice and data interactions through a first communication channel, an NFC transceiver configured to use the NFC protocol through a second communication channel, an NFC processor configured to use the NFC protocol, and a secure element memory, wherein the secure element memory includes an identification code and a secure element application configured to use the NFC protocol;

computer code for receiving, at the non-browser based application, user authentication information, wherein the non-browser based application stored on the mobile device receives the user authentication information via the mobile device display of the mobile device and further wherein the user authentication information includes biometric data;

computer code for upon receipt of the user authentication information, authenticating, at the mobile device a user associated with the user authentication information before the NFC transaction;

computer code for executing the secure element application by the NFC processor in response to a near field communication inductive signal by an NFC terminal; and

computer code for transmitting, using the secure element application, the identification code via the second communication channel to the NFC terminal, wherein the identification code is transmitted to a server for processing the near field communication transaction using a payment method that corresponds to the identification code.