Scheduling and paying for a banking transaction using an NFC enabled mobile communication device

  • US 8,190,087 B2
  • Filed: 10/31/2007
  • Issued: 05/29/2012
  • Est. Priority Date: 12/31/2005
  • Status: Active Grant
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First Claim
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1. A method for scheduling a banking transaction using a hand-held mobile device, the method comprising:

  • providing a hand-held mobile device with a visual display, a first processor, a first communication channel which supports voice and data interactions at a first radio transceiver at the hand-held mobile device using at least one of GSM and CDMA, and a secure element coupled to the hand-held mobile device, running a client application, the secure element being affixed externally to the hand-held mobile device and not electrically connected to the interior components in the hand-held mobile device;

    executing an application at the hand-held mobile device to create a task to perform a banking transaction, the application allowing for creating the task and subsequently assigning the task a status of pending while the hand-held mobile device has no network connectivity;

    actively monitoring for available network connectivity, wherein the active monitoring takes place at the first transceiver in the hand-held mobile device;

    automatically connecting to an available network upon identifying available network connectivity, wherein the connection to the available network is established via the transceiver of the hand-held mobile device;

    in response to identifying an available network to access, automatically connecting to the available network via the first transceiver and uploading the task that has a status defined as pending to a remote server;

    refreshing the status and displaying the new status of the task in the mobile application after the remote server has received the task;

    executing a payment application stored in memory of the secure element to pay for the banking transaction wherein the payment application is executed in response to a near field communication interaction of the hand-held mobile device with a Point-Of-Sale terminal using a second communication channel capable of supporting near field communications, and further wherein the Point-Of-Sale terminal is physically remote from the hand-held mobile device and the secure element including;

    a memory storing the payment application and payment credentials associated with the payment account, the execution of the payment application facilitating the transfer of the payment credentials to the Point of Sale Terminal for the banking transaction;

    a processor of the secure element, wherein the processor is capable of near field communication, and further wherein the processor executes the payment application stored in the memory, anda wireless transceiver that sends transaction data including the payment credentials associated with the executed payment application through a second communication channel to the Point-Of-Sale terminal, the second communication channel being different from a first communication channel through which the hand-held mobile device communicates voice data, the payment application executed in response to a near field communication interaction from the Point-Of-Sale terminal;

    wirelessly transmitting transaction data associated with the executed payment application through the second communication channel to the Point-Of-Sale terminal using the wireless transceiver;

    receiving manual user authentication at the remote Point-Of-Sale terminal based on a determination by the Point-Of-Sale terminal that authentication is required and prompts the user, wherein authentication is performed by the remote server after the payment application has been triggered by the remote Point-Of-Sale terminal and after payment credentials have been transferred to the remote Point-Of-Sale terminal but prior to the payment being processed and completed; and

    receiving purchase information from the Point-Of-Sale terminal, wherein the purchase information from the Point-of-Sale terminal is received at the secure element memory.

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