Single tap transactions using an NFC enabled mobile device

  • US 8,332,272 B2
  • Filed: 12/27/2011
  • Issued: 12/11/2012
  • Est. Priority Date: 08/25/2006
  • Status: Active Grant
  • ×
    • Pin
First Claim
Patent Images

1. A method for conducting a near field communication payment transaction between a secure element coupled to a hand-held mobile communication device and a Point-of-Sale terminal, the method comprising:

  • utilizing the secure element coupled to the hand-held mobile communication device,the secure element including;

    a memory storing multiple applications and payment credentials,a processor that executes a payment application stored on the memory in response to a near field communication interaction between the secure element and a Point-of-Sale terminal,a near field communication transceiver that sends transaction data including payment credentials corresponding to a default payment method associated with the executed application through a first communication channel;

    executing, by the processor of the secure element that is activated by a near field communication interaction between the secure element and the Point-Of-Sale terminal, the payment application on the processor of the secure element in response to a near field communication interaction between the secure element and a Point-Of-Sale terminal using the near field communication transceiver of the secure element;

    wirelessly transmitting the transaction data which includes payment credentials corresponding to a default payment method associated with the executed payment application from the secure element to the Point-Of-Sale terminal over the first communication channel;

    wherein transmission of the transaction data results from executing the payment application on the processor of the secure element in response to a near field communication interaction between the secure element and the Point-Of-Sale terminal; and

    automatically applying, by the payment application, one or more coupons stored in the memory of the secure element during the near field communication payment transaction and updating a total purchase amount based on the one or more applied coupons during the processing of the near field communication payment transaction.

View all claims
    ×
    ×

    Thank you for your feedback

    ×
    ×