Limiting e-card transactions based on lack of proximity to associated CE device

• US 9,953,323 B2
• Filed: 09/23/2014
• Issued: 04/24/2018
• Est. Priority Date: 09/23/2014
• Status: Active Grant

• Current Assignee: Sony Corporation (Sony Group Corp.)
• Original Assignee: Sony Corporation (Sony Group Corp.)
• Inventors: Candelore, Brant, Richman, Steven Martin, Zustak, Frederick J.
• Primary Examiner(s): Crawley, Talia F
• Application Number:
  US14/493,779
• Publication Number:
  US 20160086181A1
• Time in Patent Office: 1,309 Days
• CPC Class Codes: G06Q 20/18 involving self-service terminals [SST], vending machines, kiosks or multimedia terminals
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: H04L 63/0492 by using a location-limited connection, e.g. near-field communication or limited proximity of entities
• CPC Class Codes: H04L 63/0853 using an additional device, e.g. smartcard, SIM or a different communication terminal cryptographic mechanisms or cryptographic arrangements for entity authentication involving additional secure or trusted devices H04L9/3234

Abstract

A bank customer'"'"'s CE device is used to authorize transactions using the customer'"'"'s electronic debit or credit card (“e-card”). If the CE device is determined not to be proximate to the e-card, the transaction is limited.

Claims

1. Apparatus comprising:

at least one computer memory that is not a transitory signal and that comprises instructions executable by at least one processor to;

determine, at least in part based on detecting a near field communication (NFC) signal from an electronic transaction card (e-card), that the e-card is sought to be used to execute a transaction with a point of sale (POS) device, the transaction including a requested monetary amount;

responsive to determining that the e-card is sought to be used to execute a transaction with the POS device, determine whether an authenticating device separate from the e-card is proximate to the e-card at least in part based on receiving respective NFC signals from both the e-card and the authenticating device, wherein the authenticating device is embodied as a consumer electronics (CE) device associated with an owner of the e-card;

responsive to a determination that the authenticating device separate from the e-card is proximate to the e-card, permit the transaction to be completed at the requested monetary amount; and

responsive to a determination that the authenticating device separate from the e-card is not proximate to the e-card based at least in part on not receiving an NFC signal from at least one of;

the e-card, and the authenticating device, not permit the transaction to be completed at the requested monetary amount.

2. The apparatus of claim 1, wherein the apparatus is embodied in the POS device.

3. The apparatus of claim 1, wherein the CE device is a mobile telephone.

4. The apparatus of claim 1, wherein determining whether the authenticating device separate from the e-card is proximate to the e-card includes:

querying the CE device for its location information, and if the CE device location matches that of the POS device, the CE device is determined to be proximate to the e-card.

5. The apparatus of claim 1, wherein not permitting the transaction to be completed at the requested monetary amount includes preventing a transaction between the e-card and the POS device.

6. The apparatus of claim 1, wherein not permitting the transaction to be completed at the requested monetary amount includes allowing a transaction between the e-card and the POS device at an amount lower than the requested monetary amount.

7. The apparatus of claim 1, wherein limiting the transaction includes denying the transaction altogether.

8. The apparatus of claim 1, wherein limiting the transaction does not include denying the transaction altogether.