NEAR FIELD COMMUNICATION INTIALIZATION

• US 20090191811A1
• Filed: 09/30/2008
• Published: 07/30/2009
• Est. Priority Date: 01/30/2008
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: eBay Inc.
• Inventors: Stone, Carl, Griffin, Kent
• Granted Patent: US 8,233,841 B2
• Time in Patent Office: Days
• US Class Current: 455/41.1
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• 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 20/223 based on the use of peer-to-peer networks
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/3829 involving key management
• 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 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0601 Electronic shopping [e-shopping]
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G07F 17/32 for games, toys, sports, or amusements
• CPC Class Codes: H04B 5/00 Near-field transmission systems, e.g. inductive or capacitive transmission systems
• CPC Class Codes: H04L 63/06 for supporting key management in a packet data network cryptographic mechanisms or cryptographic arrangements for key management H04L9/08
• CPC Class Codes: H04L 67/04 specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability
• CPC Class Codes: H04W 12/06 Authentication
• CPC Class Codes: H04W 4/50 : Service provisioning or reconfiguring
• 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

Abstract

A method of application initialization of a near field communication (NFC) enabled device comprising loading a first NFC enabled device with an application for conducting a financial transaction over a network; and transferring the application to a second NFC enabled device via a NFC link, is described herein.

Claims

1. A method of application initialization of a near field communication (NFC) enabled device comprising:

loading a first NFC enabled device with an application for conducting a financial transaction over a network; and

transferring the application to a second NFC enabled device via a NFC link.

2. The method of claim 1, wherein the application comprises a service provider application for enabling the sending and receiving of data between the second NFC enabled device and a service provider.

3. The method of claim 2, wherein the sending and the receiving of data between the second NFC enabled device and the service provider enables activation of the second NFC enabled device.

4. The method of claim 3, wherein the sending and the receiving of data between the second NFC enabled device and the service provider enables one of payment processing of a payment request of the second NFC device by the service provider.

5. The method of claim 4, wherein the payment process includes one of receipt of a payment request, verification of the payment request, authorization of the payment request, or confirmation of a payment request.

6. The method of claim 1, wherein transferring the application further comprises one of tapping the second NFC enabled device with the NFC enabled device, or positioning the second NFC enabled device in close proximity to first NFC enabled device.

7. The method of claim 1, wherein the first NFC enabled device comprises a cell phone, a personal digital assistant (PDA), a smart phone, a computer, or a personal computer (PC).

8. The method of claim 1, wherein the second NFC enabled device comprises a cell phone, a fob, a smartcard, a personal digital assistant (PDA), a smart phone, a computer, a personal computer (PC), or a point of purchase (POP) terminal.

9. A near field communication (NFC) enabled device adapted to receive an application for conducting a financial transaction over a network from another NFC enabled device via a NFC link.

10. The NFC device of claim 9, wherein the application comprises a service provider application for enabling the sending and receiving of data between the NFC enabled device and a service provider.

11. The NFC device of claim 10, wherein sending and receiving of data between the NFC enabled device and the service provider enables activation and authorization of the NFC enabled device.

12. The method of claim 11, wherein the sending and the receiving of data between the second NFC enabled device and the service provider enables one of payment processing of a payment request of the second NFC device by the service provider.

13. The method of claim 12, wherein the payment process includes one of receipt of a payment request, verification of the payment request, authorization of the payment request, or confirmation of a payment request.

14. The NFC device of claim 9, wherein transferring the application further comprises one of tapping the NFC enabled device with the other NFC enabled device, or positioning the NFC enabled device in close proximity to other NFC enabled device.

15. The NFC device of claim 9, wherein the NFC enabled device comprises a cell phone, a personal digital assistant (PDA), a smart phone, a computer, or a personal computer (PC).

16. The NFC device of claim 9 wherein the other NFC enabled device comprises a cell phone, a fob, a smartcard, a personal digital assistant (PDA), a smart phone, a computer, a personal computer (PC), or a point of purchase (POP) terminal.