DISABLING MOBILE PAYMENTS FOR LOST ELECTRONIC DEVICES

• US 20150193764A1
• Filed: 09/02/2014
• Published: 07/09/2015
• Est. Priority Date: 01/03/2014
• Status: Active Grant

• Current Assignee: Apple Inc.
• Original Assignee: Apple Inc.
• Inventors: Haggerty, David T., Dicker, George R., Khan, Ahmer A., Sharp, Christopher B., Hurley, Timothy S., Chadha, Vineet
• Granted Patent: US 11,580,518 B2
• Time in Patent Office: Days
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• 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 20/4014 Identity check for transactions
• CPC Class Codes: H04W 8/22 Processing or transfer of terminal data, e.g. status or physical capabilities

Abstract

If a user loses an electronic device that has the capability to conduct financial transactions, the user may report that the electronic device is lost using a lost-device software application to a management electronic device associated with a provider of the electronic device. In response to receiving this information, a disabling command is sent to a payment network associated with the financial account of the user to temporarily disable use of the electronic device to conduct the financial transactions. In particular, the electronic device may include a secure element that stores a payment applet for a financial account, and the disabling command may disable a mapping from a virtual identifier for the financial account to a financial primary account number. Subsequently, if the user finds the electronic device, the user may re-enable the capability (and, thus, the mapping) by providing authentication information to the electronic device.

Claims

1. An electronic device, comprising:

an antenna;

an interface circuit, coupled to the antenna, configured to communicate with a management electronic device;

a processor coupled to the secure element; and

memory, coupled to the processor, which stores a program module configured to be executed by the processor, the program module including;

instructions for receiving, from a user of the electronic device, authentication information;

instructions for determining that a capability to conduct financial transactions via the electronic device is disabled; and

instructions for providing, to the management electronic device, a re-enabling command to re-enable use of the electronic device to conduct financial transactions based on the authentication information.

2. The electronic device of claim 1, wherein the authentication information includes one of:

a personal identification number;

a passcode for unlocking at least some functionality of the electronic device; and

a biometric identifier of the user.

3. The electronic device of claim 1, wherein the capability to use the electronic device to conduct the financial transactions was previously disabled by the user when the user reported to the management electronic device that the electronic device was lost.

4. The electronic device of claim 1, wherein the program module further includes:

instructions for requesting, from the user, additional authentication information associated with an account of the user, wherein the account is hosted by a provider of the management electronic device;

instructions for receiving, from the user, the additional authentication information; and

instructions for providing, to the management electronic device, the additional authentication information.

5. The electronic device of claim 1, wherein the electronic device further includes a secure element that stores a payment applet for a financial account;

and

wherein the re-enabling command re-establishes a mapping from a device primary account number (DPAN) for the financial account to a financial primary account number (FPAN) for the financial account.

6. A computer-program product for use in conjunction with an electronic device, the computer-program product comprising a non-transitory computer-readable storage medium and a computer-program mechanism embedded therein, to re-enable use of the electronic device to conduct financial transactions, the computer-program mechanism including:

instructions for receiving, from a user of the electronic device, authentication information;

instructions for determining that a capability to conduct the financial transactions via the electronic device is disabled; and

instructions for providing, to a management electronic device, a re-enabling command to re-enable use of the electronic device to conduct the financial transactions.

7. The computer-program product of claim 6, wherein the capability to use the electronic device to conduct the financial transactions was previously disabled by the user when the user reported to the management electronic device that the electronic device was lost.

8. The computer-program product of claim 6, wherein the re-enabling command re-establishes a mapping from a device primary account number (DPAN) for a financial account to a financial primary account number (FPAN) for the financial account;

and

wherein the DPAN is associated with a payment applet stored in a secure element in the electronic device.

9. A processor-implemented method for re-enabling use of an electronic device to conduct financial transactions, wherein the method comprises:

receiving, from a user of the electronic device, authentication information;

determining that a capability to conduct the financial transactions via the electronic device is disabled; and

using the processor in the electronic device, providing, to a management electronic device, a re-enabling command to re-enable use of the electronic device to conduct the financial transactions, wherein the re-enabling command re-establishes a mapping from a device primary account number (DPAN) for a financial account to a financial primary account number (FPAN) for the financial account; and

wherein the DPAN is associated with a payment applet stored in a secure element in the electronic device.

10. The method of claim 9, wherein the capability to use the electronic device to conduct the financial transactions was previously disabled by the user when the user reported to the management electronic device that the electronic device was lost.

11. A processor-implemented method for disabling use of an electronic device to conduct financial transactions, wherein the method comprises:

using the processor, receiving, from a user of a reporting electronic device, information indicating that the electronic device is lost; and

in response to receiving the information, providing a disabling command to a payment network associated with a financial account of the user to disable a mapping from a device primary account number (DPAN) for the financial account to a financial primary account number (FPAN) for the financial account; and

wherein the DPAN is associated with a payment applet stored in a secure element in the electronic device, which facilitates use of the electronic device to conduct the financial transactions.

12. The method of claim 11, wherein the information is received when the user provides login information to a lost-device application.

13. The method of claim 11, wherein, prior to providing the disabling command, the method further includes accessing, in a computer-readable memory, one of:

the DPAN, an identifier of the electronic device, and an identifier of the DPAN.

14. The method of claim 11, wherein the disabling command includes one of:

the DPAN, an identifier of the electronic device, and an identifier of the DPAN.

15. The method of claim 11, wherein the method further comprises:

receiving, from the electronic device, authentication information of the user; and

providing, to the payment network, a re-enabling command to re-enable the mapping.

16. A computer system, comprising:

a processor; and

a memory, coupled to the processor, which stores a program module configured to be executed by the processor, the program module including;

instructions for receiving, from a user of a reporting electronic device, information indicating that the electronic device is lost; and

in response to receiving the information, instructions for providing a disabling command to a payment network associated with a financial account of the user to disable use of the electronic device to conduct financial transactions.

17. The computer system of claim 16, wherein the information is received when the user provides login information to a lost-device application.

18. The computer system of claim 16, wherein the capability to use the electronic device to conduct the financial transactions is disabled by disabling a mapping from a device primary account number (DPAN) for the financial account to a financial primary account number (FPAN) for the financial account;

and

wherein the DPAN is associated with a payment applet stored in a secure element in the electronic device, which facilitates use of the electronic device to conduct the financial transactions.

19. The computer system of claim 16, wherein the disabling command includes one of:

the DPAN, an identifier of the electronic device, and an identifier of the DPAN.

20. The computer system of claim 16, wherein the program module further includes:

instructions for receiving, from the electronic device, authentication information of the user; and

instructions for providing, to the payment network, a re-enabling command to re-enable use of the electronic device to conduct the financial transactions.