Secure wallet-to-wallet transactions

• US 10,853,798 B1
• Filed: 11/28/2016
• Issued: 12/01/2020
• Est. Priority Date: 11/28/2016
• Status: Active Grant

• Current Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Original Assignee: Wells Fargo Bank NA (Wells Fargo & Company)
• Inventors: Maeng, Joon, Ramanathan, Ramanathan, Hayes, Thomas
• Primary Examiner(s): Tinkler, Muriel S
• Application Number:
  US15/362,559
• Time in Patent Office: 1,464 Days
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/3674 involving authentication

Abstract

Various examples are directed to systems and methods for secure mobile wallet transactions. A computing device on which a mobile wallet operates may receive payment credentials from other devices using near field communication (NFC) path and/or wallet-to-wallet (W2W) communication paths. The computing device may initiate an NFC mode in response to user selection or the identification of a nearby NFC-enabled device. The computing device may send the received payment credentials to a wallet service provider associated with the mobile wallet using W2W communication. The computing device may send approvals or denials of the transaction to the other device.

Claims

1. A method, comprising:

initiating an NFC mode on a first mobile device associated with a first mobile wallet;

receiving, with the first mobile device, payment credentials for a transaction from a second mobile device using near field communication (NFC);

sending, by the first mobile device, the received payment credentials to a mobile wallet provider, associated with the first mobile wallet, using wallet to wallet (W2W) communication; and

receiving, with the first mobile device, an approval or denial of the transaction from the mobile wallet provider using W2W communication.

2. The method of claim 1, wherein a second mobile wallet operates on the second mobile device and the method further includes sending by the first mobile wallet an indication of the approval or denial of the transaction to the second mobile wallet using NFC.

3. The method of claim 2, further including receiving second payment credentials for a second transaction from third mobile wallet using W2W communication, sending the second payment credentials to the mobile wallet provider using W2W communication, receiving an approval or denial of the second transaction using W2W communication, and sending an indication of the approval or the denial to the third mobile wallet using W2W communication.

4. The method of claim 1, wherein the second mobile device is at least one of a mobile computing device and an NFC-enabled transaction card.

5. The method of claim 1, wherein initiating the NFC mode includes initiating the NFC mode in response to a user selection or upon identifying that the second mobile device is an NFC-enabled device.

6. The method of claim 5, wherein initiating the NFC mode includes initiating a POS emulator and an NFC controller on the first mobile device.

7. The method of claim 6, further including receiving the payment credentials from the second mobile device with the POS emulator using the NFC controller and sending the payment credentials to the mobile wallet provider using a mobile user agent.

8. The method of claim 1, further including sending an identifier of a financial account to the mobile wallet provider for receiving funds for the transaction.

9. The method of claim 8, wherein sending the identifier includes registering the financial account with the mobile wallet provider prior to receiving the payment credentials.

10. The method of claim 8, wherein sending the identifier includes sending the identifier to the mobile wallet provider after receiving payment credentials for the transaction.

11. A method, comprising:

receiving, with a recipient mobile wallet operating on a computing device, first payment credentials for a first transaction from a first mobile device using near field communication (NFC);

sending the first payment credentials to a mobile wallet provider associated with the recipient mobile wallet using W2W communication;

receiving a first approval or denial for the first transaction from the wallet service provider using W2W communication;

sending an indication of the first approval or denial for the first transaction to first mobile device using NFC;

receiving, with the recipient mobile wallet, second payment credentials for a second transaction from a second mobile device using W2W communication;

sending the second payment credentials to the mobile wallet provider associated with recipient mobile wallet using W2W communication;

receiving a second approval or denial for the second transaction from the wallet service provider using W2W communication; and

sending an indication of the second approval or denial for the second transaction to the second mobile device using W2W.

12. The method of claim 11, wherein each of the first mobile device and second mobile device is a computing device that includes a mobile wallet.

13. The method of claim 11, wherein the first mobile device is an NFC-enabled transaction card and the second mobile device is a computing device having a mobile wallet.

14. A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a computer, cause the computer to perform operations of:

initiating an NFC mode on a first mobile device associated with a first mobile wallet;

receiving, with the first mobile device, payment credentials for a transaction from a second mobile device using near field communication (NFC);

sending, by the first mobile device, the received payment credentials to a mobile wallet provider, associated with the first mobile wallet, using wallet to wallet (W2W) communication; and

receiving, with the first mobile device, a first approval or denial of the transaction from the mobile wallet provider using W2W communication.

15. The medium of claim 14, wherein the instructions cause the computer to perform operations of:

sending by the first mobile wallet an indication of the first approval or denial of the transaction to a second mobile wallet using NFC; and

receiving second payment credentials for a second transaction from a third mobile wallet using W2W communication; and

sending the second payment credentials to the mobile wallet provider using W2W communication, receiving a second approval or denial of the second transaction using W2W communication, and sending an indication of the second approval or denial to the third mobile wallet using W2W communication.

16. A system comprising:

at least one processor; and

at least one storage device comprising instructions, which when executed by the at least one processor, configure to at least one processor to perform operations comprising;

initiating an NFC mode on a first mobile device associated with a first mobile wallet;

receiving, with the first mobile device, payment credentials for a transaction from a second mobile device using near field communication (NFC);

sending, by the first mobile device, the received payment credentials to a mobile wallet provider, associated with the first mobile wallet, using wallet to wallet (W2W) communication; and

receiving, with the first mobile device, an approval or denial of the transaction from the mobile wallet provider using W2W communication.

17. The system of claim 16, wherein initiating an NFC mode includes initiating the NFC mode in response to a user selection or upon identifying an NFC-enabled device.

18. The system of claim 16, wherein the operations further include sending an identifier of a financial account to the mobile wallet provider for receiving funds for the transaction.

19. The system of claim 18, wherein sending the identifier includes registering the financial account with the mobile wallet provider prior to receiving the payment credentials.

20. The system of claim 19, wherein initiating the NFC mode includes initiating a POS emulator and an NFC controller on the first mobile device in response to at least one of receiving a user selection using the first mobile device and identifying that the second mobile device is an NFC-enabled transaction card or a mobile device using NFC.