INDUCTION BASED TRANSACTIONS AT A MOBILE DEVICE
First Claim
1. A method for conducting a Near Field Communication (NFC) transaction using an NFC protocol, the method comprising:
- maintaining a non-browser based application in a mobile device memory, wherein the non-browser based application is a mobile operating system platform non browser based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, the mobile device comprising the mobile device memory, a mobile device display, a mobile device processor, a mobile device wireless transceiver that supports voice and data interactions through a first communication channel, an NFC transceiver configured to use the NFC protocol through a second communication channel configured to use the NFC protocol, an NFC processor configured to use the NFC protocol, and a secure element memory, wherein the secure element memory maintains an identification code associated with a user and a secure element application configured to use the NFC protocol, the secure element memory, NFC transceiver, and NFC processor are included in the secure element permanently embedded within a body of the mobile device;
receiving, at the mobile device, user input login information, wherein the mobile device receives the user input login information via the mobile device;
upon receipt of the user input login information, authenticating, at the mobile device, a user associated with the user input login information before the NFC transaction;
after user authentication, activating the secure element in response to a detection of a near field communication inductive signal from an NFC terminal configured to use the NFC protocol;
transmitting, using the secure element application, via the NFC transceiver transaction information including the identification code associated with the user via the second communication channel from the secure element memory to the NFC terminal during an NFC inductive interaction between the secure element and the NFC terminal, wherein the transaction information including the identification code associated with the user is transmitted to a remote management server which transmits the transaction information including a payment method that corresponds to the identification code associated with the user to a transaction server that processes the near field communication transaction using the payment method that corresponds to the identification code associated with the user, wherein the payment method is maintained at the remote management server; and
after the NFC transaction has been processed, receiving a digital artifact from the remote management server at a non-browser based application generated screen over the first communication channel for display in the non-browser based application generated screen, wherein the non-browser based application generated screen is a screen or area of the non-browser based application.
1 Assignment
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Accused Products
Abstract
A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.
215 Citations
38 Claims
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1. A method for conducting a Near Field Communication (NFC) transaction using an NFC protocol, the method comprising:
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maintaining a non-browser based application in a mobile device memory, wherein the non-browser based application is a mobile operating system platform non browser based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device, the mobile device comprising the mobile device memory, a mobile device display, a mobile device processor, a mobile device wireless transceiver that supports voice and data interactions through a first communication channel, an NFC transceiver configured to use the NFC protocol through a second communication channel configured to use the NFC protocol, an NFC processor configured to use the NFC protocol, and a secure element memory, wherein the secure element memory maintains an identification code associated with a user and a secure element application configured to use the NFC protocol, the secure element memory, NFC transceiver, and NFC processor are included in the secure element permanently embedded within a body of the mobile device; receiving, at the mobile device, user input login information, wherein the mobile device receives the user input login information via the mobile device; upon receipt of the user input login information, authenticating, at the mobile device, a user associated with the user input login information before the NFC transaction; after user authentication, activating the secure element in response to a detection of a near field communication inductive signal from an NFC terminal configured to use the NFC protocol; transmitting, using the secure element application, via the NFC transceiver transaction information including the identification code associated with the user via the second communication channel from the secure element memory to the NFC terminal during an NFC inductive interaction between the secure element and the NFC terminal, wherein the transaction information including the identification code associated with the user is transmitted to a remote management server which transmits the transaction information including a payment method that corresponds to the identification code associated with the user to a transaction server that processes the near field communication transaction using the payment method that corresponds to the identification code associated with the user, wherein the payment method is maintained at the remote management server; and after the NFC transaction has been processed, receiving a digital artifact from the remote management server at a non-browser based application generated screen over the first communication channel for display in the non-browser based application generated screen, wherein the non-browser based application generated screen is a screen or area of the non-browser based application. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 35, 37)
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18. A mobile device for conducting a Near Field Communication (NFC) transaction using an NFC protocol, the mobile device comprising:
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a mobile device memory maintaining a non-browser based application, wherein the non-browser based application is a mobile operating system platform non-browser based mobile application with a graphical user interface that is preinstalled or downloaded and installed on the mobile device; a mobile device wireless transceiver that supports voice and data interactions through a first wireless communication channel and after the NFC transaction has been processed, receives a digital artifact from a remote server for display in a non-browser based application generated screen, wherein the non-browser based application generated screen corresponds to a screen or area of the non-browser based application; a mobile device input receiver that receives user login input information, wherein the mobile device receives the user login input information via the mobile device; a mobile device processor that upon receipt of the user login input information, authenticates, a user associated with the user login input; a secure element permanently embedded within the body of the mobile device and after user authentication, is activated in response to a detection of a near field communication inductive signal from an NFC terminal configured to use the NFC protocol, the secure element comprising; a secure element memory that maintains an identification code associated with a user and a secure element application configured to use the NFC protocol; and an NFC transceiver configured to use the NFC protocol that transmits using the secure element application, transaction information including the identification code associated with the user through a second communication channel configured to use the NFC protocol to an NFC terminal during an NFC inductive interaction between the secure element and the NFC terminal, and further wherein the transaction information including the identification code associated with the user is transmitted to a remote management server transmits the transaction information including a payment method that corresponds to the identification code associated with the user to a transaction server for processing the near field communication transaction using the payment method that corresponds to the identification code associated with the user;
wherein the payment method is maintained at the remote management server. - View Dependent Claims (19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 36, 38)
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Specification