Induction triggered transactions using an external NFC device

• US 8,275,312 B2
• Filed: 10/31/2007
• Issued: 09/25/2012
• Est. Priority Date: 12/31/2005
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Inventors: Fisher, Michelle
• Primary Examiner(s): Kincaid, Lester
• Assistant Examiner(s): KELLEY, STEVEN SHAUN
• Application Number:
  US11/933,321
• Publication Number:
  US 20080051059A1
• Time in Patent Office: 1,791 Days
• Field of Search: 455/552.1, 455/41.1, 455/41.2, 455/556.1, 235380-382, 340/5.4, 340/5.41, 705/41, 705/64
• US Class Current: 455/41.2
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• 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: H04M 1/67 by electronic means
• CPC Class Codes: H04M 1/72412 using two-way short-range wireless interfaces
• CPC Class Codes: H04M 11/00 Telephonic communication systems specially adapted for combination with other electrical systems
• CPC Class Codes: H04M 2250/04 including near field communication means, e.g. RFID
• CPC Class Codes: H04W 4/023 using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds
• 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 for configuring a mobile communication device to perform transactions using a second communication channel that is different from a first communication channel through which the mobile communication device sends voice data. The method includes attaching a secure element to the mobile communication device. The secure element includes a memory storing an application, a processor configured to execute the application stored in the memory; and a wireless transceiver configured to send transaction data associated with the executed application through the second communication channel to a terminal that is remote from the mobile communication device.

Claims

1. A method for conducting a near field communication transaction between a mobile communication device and a remote point-of-sale terminal, the method comprising:

executing a payment application on a processor of a secure element that is physically attached to the exterior of but not physically coupled to the electrical interior components of the mobile communication device, the secure element;

storing, in a memory of the secure element, the payment application and payment credentials, the execution of the payment application facilitating the transfer of the payment credentials with the point-of-sale terminal,

executing, using a smart chip capable of near field communication, the payment application stored in the memory, and wherein the payment application is executed in response to a near field communication trigger by the point-of-sale terminal;

sending, by a wireless transceiver, 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 mobile communication device communicates voice data;

providing a lining permanently embedded inside an outer shell which protects the components of the secure element;

wherein the lining is composed of RF absorbent material to shield the secure element from interference generated by the interior components of the mobile communication device and has a size and thickness to shield the secure element from interference generated by the mobile communication device to which the secure element is attached, but does not prevent the transmission of payment credentials to the point-of-sale terminal, wherein the outer shell has a maximum width of 25 mm and a maximum thickness of 5 mm;

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 point-of-sale terminal based on a determination by the point-of-sale terminal that authentication is required and prompts the user;

performing authentication by a remote server after the payment application has been triggered by the point-of-sale terminal and after payment credentials have been transferred to the point-of-sale terminal but prior to the payment being processed and completed; and

wherein the execution of the payment application and the sending of the transaction data occurs without further user interaction with the mobile communication device.

2. The method of claim 1, wherein the memory stores an identifier that uniquely identifies a user of the mobile communication device, and the transaction data includes the identifier.

3. The method of claim 1, wherein the first communication channel implements a GSM (Global System for Mobile communications) or CDMA (Code Division Multiple Access) communication protocol and the second communication channel implements an RFID, NFC, or Bluetooth communication protocol.

4. The method of claim 1, wherein the transfer of payment credentials as a result of the execution of the payment application is related to ticketing, content, purchase of a service, or management of payment.

5. The method of claim 1, wherein the payment credentials include credit card information.

6. The method of claim 1, wherein the payment credentials include debit card information.

7. The method of claim 1, wherein the payment credentials include prepaid card information.

8. The method of claim 1, wherein the wirelessly transmitted transaction data includes a digital coupon.

9. A communication system, the system comprising:

a mobile communication device that transmits voice data through a first communication channel; and

a secure element attached to the exterior of but not physically coupled to the electrical interior components of the mobile communication device, the secure element including;

a memory storing a payment application and payment credentials;

a smart chip capable of near field communication that executes the payment application stored in the memory, wherein execution of the payment application facilitating the transfer of the payment credentials with a point-of-sale terminal remote from the mobile communication device wherein the smart chip executes the payment application in response to a near field communication-based trigger from the point-of-sale terminal and occurs without further user interaction with the mobile communication device;

a wireless transceiver that sends transaction data including the payment credentials associated with the executed payment application that occurs without further user interaction with the mobile communication device through a second communication channel to the point-of-sale terminal, wherein the second communication channel is different from the first communication channel, and wherein the processor executes the payment application in response to a near field communication-based trigger from the point-of-sale terminal and the wireless transceiver wirelessly transmits the transaction data in response to the trigger from the point-of-sale terminal, and

a lining permanently embedded inside an outer shell which protects the components of the secure element;

wherein the lining is composed of RF absorbent material to shield the secure element from interference generated by the interior components of the mobile communication device and has a size and thickness to shield the secure element from interference generated by the mobile communication device to which the secure element is attached, but does not prevent the transmission of payment credentials to the point-of-sale terminal, wherein the outer shell has a maximum width of 25 mm and a maximum thickness of 5 mm;

the point of sale terminal receiving manual user authentication based on a determination by the point-of-sale terminal that authentication is required and prompts the user; and

a remote server performing authentication after the payment application has been triggered by the point-of-sale terminal and after payment credentials have been transferred to the point-of-sale terminal, but prior to the payment being processed and completed.

10. The communication system of claim 9, wherein the first communication channel implements a GSM (Global System for Mobile communications) or CDMA (Code Division Multiple Access) communication protocol and the second communication channel implements an RFID, NFC, or Bluetooth communication protocol.

11. The communication system of claim 9, wherein a surface of the outer shell includes an advertisement.

12. The communication system of claim 9 wherein the outer shell of the secure element is soft and pliable.

13. The communication system of claim 9, wherein the payment credentials include credit card information.

14. The communication system of claim 9, wherein the payment credentials include debit card information.