Wireless peer to peer mobile wallet connections

• US 10,652,223 B1
• Filed: 08/07/2018
• Issued: 05/12/2020
• Est. Priority Date: 12/29/2016
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Hayes, Thomas, Maeng, Joon, Ramanathan, Ramanathan
• Primary Examiner(s): Holder, Bradley W
• Application Number:
  US16/057,094
• Time in Patent Office: 644 Days
• CPC Class Codes: G06Q 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: H04L 63/061 for key exchange, e.g. in peer-to-peer networks cryptographic mechanisms or cryptographic arrangements for key agreement H04L9/0838
• CPC Class Codes: H04L 63/0823 using certificates cryptographic mechanisms or cryptographic arrangements for entity authentication involving certificates H04L9/3263
• CPC Class Codes: H04L 67/104 Peer-to-peer [P2P] networks
• CPC Class Codes: H04W 12/069 using certificates or pre-shared keys

Abstract

Disclosed in some examples are devices, systems, and machine readable mediums for establishing peer to peer mobile wallet communications (P2PMW) over short range wireless communication networks. These P2PMW communications allow exchange of information between two wallet clients. Example communications include payments, providing identification, providing loans, and the like. The use of P2PMW communications opens up the prospect of anyone accepting payment from anybody else at any time. All that is needed is a computing device with a mobile wallet. Example short range wireless communications include Wireless LANs (WLAN) such as WIFI (e.g., communicating according to an Institute for Electrical and Electronics Engineers (IEEE) 802.11 family of standards), BLUETOOTH® or the like.

Claims

1. A method for establishing a mobile wallet to mobile wallet session, the method comprising:

using one or more computer processors on a first computing device;

establishing a short range wireless session with a second computing device, the second computing device wirelessly advertising a mobile wallet service by transmitting beacon frames;

obtaining mobile wallet information from the second computing device over the short range wireless session;

transmitting a digital certificate of the first computing device along with the mobile wallet information to a third computing device;

receiving an encrypted message from the third computing device;

decrypting the encrypted message and identifying a first random number based upon the decrypted message;

encrypting a second message with a public key of the third computing device, the second message including the first random number;

sending the encrypted second message to the third computing device;

receiving a peer-to-peer mobile wallet (P2PMW) certificate including a session key from the third computing device;

encrypting a third message using the session key; and

sending the encrypted third message to the second computing device over the short range wireless session.

2. The method of claim 1, wherein the short range wireless session is a BLUETOOTH wireless session.

3. The method of claim 2, wherein establishing the short range wireless session comprises:

connecting to the second computing device over BLUETOOTH;

sending a service search request with an identifier specifying a mobile wallet service;

receiving a response with a service record handle of the mobile wallet service;

sending a service attribute request with the service record handle; and

receiving information about a mobile wallet application executing on the second computing device.

4. The method of claim 1, wherein the short range wireless session is a Wireless Local Area Network (WLAN) wireless session according to an Institute for Electrical and Electronics Engineers (IEEE) 802.11 standard.

5. The method of claim 4, wherein the method comprises scanning for beacon frames from the second computing device.

6. The method of claim 1, further comprising:

conducting a transfer of monetary value from a first account associated with a first user of the first computing device to a second account associated with a second user of the second computing device by exchanging messages encrypted with the session key.

7. The method of claim 1, further comprising:

selecting a second random number; and

including the second random number in the encrypted second message.

8. A computing device, the computing device comprising:

a processor;

a memory, communicatively coupled to the processor and storing instructions, the instructions, when executed by the processor, cause the computing device to perform operations comprising;

establishing a short range wireless session with a second computing device, the second computing device wirelessly advertising a mobile wallet service by transmitting beacon frames;

obtaining mobile wallet information from the second computing device over the short range wireless session;

transmitting a digital certificate of the first computing device along with the mobile wallet information to a third computing device;

receiving an encrypted message from the third computing device;

decrypting the encrypted message and identifying a first random number based upon the decrypted message;

encrypting a second message with a public key of the third computing device, the second message including the first random number;

sending the encrypted second message to the third computing device;

receiving a peer-to-peer mobile wallet (P2PMW) certificate including a session key from the third computing device;

encrypting a third message using the session key; and

sending the encrypted third message to the second computing device over the short range wireless session.

9. The computing device of claim 8, wherein the short range wireless session is a BLUETOOTH wireless session.

10. The computing device of claim 9, wherein the operations of establishing the short range wireless session comprises:

connecting to the second computing device over BLUETOOTH;

sending a service search request with an identifier specifying a mobile wallet service;

receiving a response with a service record handle of the mobile wallet service;

sending a service attribute request with the service record handle; and

receiving information about a mobile wallet application executing on the second computing device.

11. The computing device of claim 8, wherein the short range wireless session is a Wireless Local Area Network (WLAN) wireless session according to an Institute for Electrical and Electronics Engineers (IEEE) 802.11 standard.

12. The computing device of claim 11, wherein the operations further comprise scanning for beacon frames from the second computing device.

13. The computing device of claim 8, wherein the operations further comprise:

conducting a transfer of monetary value from a first account associated with a first user of the first computing device to a second account associated with a second user of the second computing device by exchanging messages encrypted with the session key.

14. The computing device of claim 8, further comprising:

selecting a second random number; and

including the second random number in the encrypted second message.

15. A non-transitory machine-readable medium, storing instructions, the instructions, when executed by a machine, cause the machine to perform operations comprising:

establishing a short range wireless session with a second computing device, the second computing device wirelessly advertising a mobile wallet service by transmitting beacon frames;

obtaining mobile wallet information from the second computing device over the short range wireless session;

transmitting a digital certificate of the first computing device along with the mobile wallet information to a third computing device;

receiving an encrypted message from the third computing device;

decrypting the encrypted message and identifying a first random number based upon the decrypted message;

encrypting a second message with a public key of the third computing device, the second message including the first random number;

sending the encrypted second message to the third computing device;

receiving a peer-to-peer mobile wallet (P2PMW) certificate including a session key from the third computing device;

encrypting a third message using the session key; and

sending the encrypted third message to the second computing device over the short range wireless session.

16. The machine-readable medium of claim 15, wherein the short range wireless session is a BLUETOOTH wireless session.

17. The machine-readable medium of claim 16, wherein the operations of establishing the short range wireless session comprises:

connecting to the second computing device over BLUETOOTH;

sending a service search request with an identifier specifying a mobile wallet service;

receiving a response with a service record handle of the mobile wallet service;

sending a service attribute request with the service record handle; and

receiving information about a mobile wallet application executing on the second computing device.

18. The machine-readable medium of claim 15, wherein the short range wireless session is a Wireless Local Area Network (WLAN) wireless session according to an Institute for Electrical and Electronics Engineers (IEEE) 802.11 standard.

19. The machine-readable medium of claim 18, wherein the operations further comprise scanning for beacon frames from the second computing device.

20. The machine-readable medium of claim 15, wherein the operations further comprise:

conducting a transfer of monetary value from a first account associated with a first user of the first computing device to a second account associated with a second user of the second computing device by exchanging messages encrypted with the session key.