Mobile device with disabling feature
First Claim
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1. A method comprising:
- receiving a first configurable predetermined timeout time by a mobile device, wherein the mobile device comprises a contactless element that is configured to be read by a contactless reader in an access device, the mobile device comprising a mobile payment application, the mobile payment application capable of selection by a user, wherein the mobile payment application is associated with a configurable predetermined timeout time, wherein the configurable predetermined timeout time is chosen by the user;
receiving a password by the mobile payment application at a first time, the mobile payment application associated with payment account information;
initiating a first payment transaction using the mobile device by executing the mobile payment application in the mobile device after receiving the password, wherein the 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;
during the first payment transaction, starting a timer to begin timing the first payment transaction that counts down from the first configurable predetermined timeout time;
for subsequent payment transactions before the first configurable predetermined timeout time has elapsed, receiving a reselection of the mobile payment application, the reselection not requiring a password to be entered after the password is entered the first time, even while the mobile payment application is configured for password protection; and
disabling the mobile payment application after the first configurable predetermined timeout time has elapsed.
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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.
159 Citations
20 Claims
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1. A method comprising:
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receiving a first configurable predetermined timeout time by a mobile device, wherein the mobile device comprises a contactless element that is configured to be read by a contactless reader in an access device, the mobile device comprising a mobile payment application, the mobile payment application capable of selection by a user, wherein the mobile payment application is associated with a configurable predetermined timeout time, wherein the configurable predetermined timeout time is chosen by the user; receiving a password by the mobile payment application at a first time, the mobile payment application associated with payment account information; initiating a first payment transaction using the mobile device by executing the mobile payment application in the mobile device after receiving the password, wherein the 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; during the first payment transaction, starting a timer to begin timing the first payment transaction that counts down from the first configurable predetermined timeout time; for subsequent payment transactions before the first configurable predetermined timeout time has elapsed, receiving a reselection of the mobile payment application, the reselection not requiring a password to be entered after the password is entered the first time, even while the mobile payment application is configured for password protection; and disabling the mobile payment application after the first configurable predetermined timeout time has elapsed. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A mobile device comprising:
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a processor; and a computer readable medium, the computer readable medium comprising a method, the method comprising receiving a first configurable predetermined timeout time, wherein the mobile device comprises a contactless element that is configured to be read by a contactless reader in an access device, the mobile device comprising a mobile payment application, the mobile payment application capable of selection by a user, wherein the mobile payment application is associated with a configurable predetermined timeout time, wherein the configurable predetermined timeout time is chosen by the user, receiving a password by the mobile payment application at a first time, the mobile payment application associated with payment account information, initiating a first payment transaction using the mobile device by executing the mobile payment application in the mobile device after receiving the password, wherein the 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, during the first payment transaction, starting a timer to begin timing the first payment transaction that counts down from the first configurable predetermined timeout time, for subsequent payment transactions before the first configurable predetermined timeout time has elapsed, receiving a reselection of the mobile payment application, the reselection not requiring a password to be entered after the password is entered the first time, even while the mobile payment application is configured for password protection, and disabling the mobile payment application after the first configurable predetermined timeout time has elapsed. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19, 20)
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Specification