Automated opening of electronic wallet function in mobile device

• US 8,706,628 B2
• Filed: 02/25/2009
• Issued: 04/22/2014
• Est. Priority Date: 02/25/2009
• Status: Active Grant

• Current Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Original Assignee: Mastercard International Incorporated (MasterCard Incorporated)
• Inventors: Phillips, Simon
• Primary Examiner(s): Robinson, Kito R
• Application Number:
  US12/392,390
• Publication Number:
  US 20100217707A1
• Time in Patent Office: 1,882 Days
• Field of Search: 705/41, 705/35
• US Class Current: 705/41
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/3224 Transactions dependent on location of M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3263 characterised by activation or deactivation of payment capabilities
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/353 Payments by cards read by M-devices
• CPC Class Codes: G06Q 20/36 using electronic wallets or electronic money safes
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes

Abstract

A method includes bringing a mobile device into proximity with an indicium, the indicium adjacent a radio frequency identification (RFID) integrated circuit (IC), the RFID IC coupled to an antenna. The method further includes the mobile device reading a message from the RFID IC, where the message is transmitted by the RFID IC via the antenna. The method further includes the mobile device responding to the message by opening an electronic wallet function in the mobile device.

Claims

1. A method comprising:

bringing a mobile device into proximity with an indicium, the indicium adjacent a radio frequency identification (RFID) integrated circuit (IC) that is coupled to an antenna;

the mobile device reading a message transmitted from the RFID IC adjacent the indicium via the antenna; and

the mobile device responding to the message transmitted from the RFID IC adjacent the indicium by opening an electronic wallet function in the mobile device in advance of a presentation of the mobile device to a proximity reader to initiate a purchase transaction, the proximity reader being spaced apart from the indicium and the RFID adjacent to the indicium.

2. The method of claim 1, wherein the indicium and the adjacent RFID IC are located on a check-out counter, spaced apart from the proximity reader to initiate a purchase transaction.

3. The method of claim 1, wherein the indicium and the adjacent RFID IC are carried on a purchase separator, spaced apart from the proximity reader to initiate a purchase transaction.

4. The method of claim 1, wherein the electronic wallet function enables the mobile device to initiate a purchase transaction using at least one payment card account number.

5. The method of claim 1, wherein:

said indicium and said adjacent RFID IC are specific to a particular brand of payment card; and

the mobile device responds to receiving the message transmitted from the RFID IC adjacent the indicium by selecting a payment card account number that corresponds to said brand of payment card.

6. The method of claim 1, wherein the mobile device is a mobile telephone, a personal digital assistant or a music player.

7. The method of claim 1, wherein said reading includes:

the mobile device transmitting an interrogation signal to the RFID IC, the interrogation signal providing power to the RFID IC to cause the RFID IC to transmit the message.

8. A mobile device comprising:

a housing shaped and sized to be held in a user'"'"'s hand;

a control circuit contained in the housing;

a radio frequency (RF) reader circuit in communication with the control circuit;

an antenna coupled to the RF reader circuit; and

a memory contained in the housing and in communication with the control circuit, the memory storing program instructions, the control circuit operative with the program instructions to;

receive a message, via the RF reader circuit, transmitted from a radio frequency identification (RFID) integrated circuit (IC) adjacent to an indicium, where the indicium is within a proximity of the mobile device; and

respond to the received message transmitted from said RFID IC adjacent the indicium by opening an electronic wallet function in the mobile device in advance of a presentation of the mobile device to a proximity reader to initiate a purchase transaction, the proximity reader being spaced apart from the indicium and the RFID adjacent to the indicium.

9. The mobile device of claim 8, further comprising:

a voice signal transceiver coupled to the control circuit and contained in the housing; and

a second antenna coupled to the voice signal transceiver for sending and receiving voice signals.

10. The mobile device of claim 8, wherein:

a contactless payment application is associated with the electronic wallet function;

the contactless payment application stores a plurality of payment card account numbers; and

the contactless payment application selects one of the plurality of payment card account numbers in response to the message transmitted from said RFID IC adjacent the indicium.

11. The mobile device of claim 8, wherein:

the electronic wallet function stores a plurality of identification numbers; and

the electronic wallet function selects one of the plurality of identification numbers in response to the message transmitted from said RFID IC adjacent the indicium.

12. The mobile device of claim 11, wherein the plurality of identification numbers includes at least one payment card account number.

13. The mobile device of claim 8, wherein the mobile device is a mobile telephone, a personal digital assistant or a music player.

14. A method comprising:

tapping a mobile telephone on an indicium to stimulate a radio frequency identification (RFID) integrated circuit (IC) adjacent the indicium to transmit a message from the RFID IC to the mobile telephone;

automatically opening an electronic wallet function in the mobile telephone in response to the message transmitted from the RFID IC, in advance of a presentation of the mobile device to a proximity reader to initiate a purchase transaction; and

tapping the mobile telephone on a proximity reader to transmit an identification number from the mobile telephone to the proximity reader to initiate a purchase transaction, the proximity reader being spaced apart from the indicium and the RFID adjacent to the indicium.

15. The method of claim 14, further comprising:

prior to tapping the mobile telephone on the proximity reader, selecting the identification number from among a plurality of identification numbers stored in the mobile telephone.

16. The method of claim 15, wherein said selecting is performed automatically by the mobile telephone in response to the message transmitted from the RFID IC.

17. The method of claim 15, wherein said selecting includes a user providing input to the mobile telephone.

18. The method of claim 14, wherein:

the proximity reader is coupled to a point of sale terminal; and

the identification number is a payment card account number.

19. The method of claim 14, wherein the indicium and the RFID IC adjacent the indicium are located at least three feet away from the proximity reader.