Proximity payment with coupon redemption using a server and an identification code

• US 9,684,892 B2
• Filed: 04/22/2014
• Issued: 06/20/2017
• Est. Priority Date: 08/25/2006
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US14/259,102
• Publication Number:
  US 20150032524A1
• Time in Patent Office: 1,155 Days
• Field of Search: 705 1435- 40, 705 67, 705 64, 235379-385, 23547202, 235451, 455406-410, 4554141, 455558, 455566, 713 18
• 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

The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.

Claims

1. A method of processing a Near Field Communication (NFC) payment transaction comprising:

receiving at a management server an identification code and a coupon from an NFC terminal, and further wherein the NFC terminal receives the identification code and the coupon from a secure element in response to a near field communication inductive signal by the NFC terminal to the secure element which triggers, a secure element processor to execute an NFC application and transmit, via a secure element transceiver, the identification code and the coupon to the NFC terminal using the NFC application, and further wherein the NFC terminal automatically applies the coupon to the near field communication payment transaction, wherein the secure element processor, a secure element memory, and the secure element transceiver are included in the secure element permanently embedded within the body of a mobile device, the mobile device comprising 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 for processing the NFC payment transaction; and

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

2. The method of claim 1, further wherein a digital artifact is delivered from the management server to the mobile device through the mobile device transceiver.

3. The method of claim 2, wherein the digital artifact comprises an advertisement, receipt, ticket, media, metadata and/or content.

4. The method of claim 2, wherein the digital artifact is sent to the mobile device based on personal information and transactions related information stored at the management server.

5. The method of claim 4, wherein personal information includes user location, gender, age, interest, userid, and/or affiliations.

6. The method of claim 4, wherein transaction related information comprises information related to historical payment transactions, information related to real-time payment transactions, information related to banking transactions, information related to bill pay, information related to merchants, information related to price-level, information related to spend categories, information related to contactless transactions made using the mobile device, information related to interact commerce, information related to storage of banking information, accessing account balance, information related to accessing payment history, information related to accessing funds transfer, information related to storage of tickets, information related to storage of receipts, information related to storage of coupons, information related to transactions made by the user but not conducted through the mobile device, and/or information related to transactions downloaded from banks.

7. The method of claim 2, wherein the digital artifact is sent to the mobile device based on movement of the mobile device into close proximity of a smart poster, a radio frequency identification (RFID) device, a Bluetooth device, or a location-based service device.

8. The method of claim 2, wherein the digital artifact is received through a near field communication transceiver at the secure element after purchase from the NFC terminal, wherein the digital artifact comprises a receipt, coupon, ticket, and/or return/refund policy.

10. The method of claim 1, wherein the payment method is a credit card.

11. The method of claim 1, wherein the payment method is a debit card.

12. The method of claim 2, wherein the digital artifact includes metadata operable to trigger a secondary call-to-action.

18. The method of claim 1, wherein the payment method is a cash card.

9. A management server that processes a near field communication (NFC) payment transaction comprising:

a management server interface that receives an identification code and a coupon from an NFC terminal, and further wherein the NFC terminal receives the identification code and the coupon from a secure element in response to a near field communication inductive signal by the NFC terminal to the secure element which triggers a secure element processor to execute an NFC application which transmits, via a secure element transceiver, the identification code and the coupon to the NFC terminal using the NFC application, and further wherein the NFC terminal automatically applies the coupon to the near field communication payment transaction, wherein the secure element processor, a secure element memory, and the secure element transceiver are included in the secure element permanently embedded within the body of a mobile device, the mobile device comprising a mobile device memory, a mobile device processor, and a mobile device transceiver; and

a management server processor that

transmits transaction information including a payment method corresponding to the identification code to a transaction server for processing the NFC payment transaction; and

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

13. The management server of claim 9, wherein the payment method is a credit card.

14. The management server of claim 9, wherein the payment method is a debit card.

15. The management server of claim 9, further wherein a digital artifact is delivered from the management server to the mobile device through the mobile device transceiver.

16. The management server of claim 15, wherein the digital artifact comprises an advertisement, receipt, ticket, media, metadata and/or content.

17. The management server of claim 15, wherein the digital artifact includes metadata operable to trigger a secondary call-to-action.

19. The management server of claim 9, wherein the payment method is a cash card.