Using a secure element coupled to a mobile device as a POS terminal for processing mag stripe transactions

• US 8,818,870 B2
• Filed: 12/07/2012
• Issued: 08/26/2014
• Est. Priority Date: 11/30/2007
• Status: Expired due to Fees

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US13/708,858
• Publication Number:
  US 20130103517A1
• Time in Patent Office: 627 Days
• Field of Search: 705/16, 705/18, 705/30, 705/40, 705/41, 705/44, 725/9, 725/23, 725/35, 235/380, 235/383
• US Class Current: 705/16
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/202 Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR
• CPC Class Codes: G06Q 20/204 comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3223 Realising banking transactions through M-devices
• CPC Class Codes: G06Q 20/3226 Use of secure elements separate from M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 : insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 : Electronic credentials
• CPC Class Codes: G06Q 20/40 : Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 : Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/409 : Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0238 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0251 : Targeted advertisements
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0255 : based on user history
• CPC Class Codes: G06Q 30/0267 : Wireless devices
• CPC Class Codes: G06Q 30/0268 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 : Third-party assisted
• CPC Class Codes: G06Q 30/0635 : Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/10 : Tax strategies
• CPC Class Codes: G06Q 40/12 : Accounting
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04B 5/70 : specially adapted for specific purposes
• CPC Class Codes: H04M 1/72445 : for supporting Internet browser applications
• CPC Class Codes: H04N 21/812 : involving advertisement data advertising per se G06Q30/02
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/18 : Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 4/21 : for social networking applications
• 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
• CPC Class Codes: H04W 8/205 : Transfer to or from user equipment or user record carrier
• CPC Class Codes: H04W 88/02 : Terminal devices

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.

Claims

1. A method comprising:

receiving payment credentials at a secure element by using a secure element interface included in the secure element, the secure element including a secure element interface and a secure element mobile device connector, the secure element interface configured with a stripe to read payment credentials, the secure element mobile device connector configured for mechanical connection of the secure element to a mobile device through a slot provided for physical insertion of the secure element into the mobile device, the mobile device including a mobile device display, a mobile device processor, a mobile device memory, and a mobile device radio transceiver configured for voice and data communications; and

transferring the payment credentials to the mobile device from the secure element, the mobile device running non-browser based mobile payment application that allows the mobile device to operate as a point-of-sale (POS) terminal, wherein the mobile payment application receives a request from a user to purchase an item and generates a payment authorization;

sending a request to a remote server from the mobile payment application for a digital artifact for display within a specific mobile payment application generated screen, wherein the digital artifact is selected by the remote server based on correlating a user'"'"'s targeting parameters, the specific mobile payment application generated screen corresponding to a specific screen, scene, or real estate property;

receiving, at the mobile payment application, the digital artifact from the remote server, the remote server authorizes payment for the item selected; and

displaying, at the mobile payment application, the digital artifact within the specific mobile payment application generated screen.

2. The method of claim 1, wherein the mobile payment application is configured to store banking information including payment account numbers, security codes, and personal identification numbers.

3. The method of claim 1, wherein a data exchange between the mobile payment application and the remote server occurs to authorize the user to conduct a payment transaction.

4. The method of claim 3, wherein the data exchange includes exchanging an identification code.

5. The method of claim 4, wherein the identification code is a personal identification number (PIN).

6. The method of claim 1, wherein the mobile device radio transceiver is configured as a Wireless Fidelity (WiFi) interface.

7. The method of claim 1, wherein the mobile device radio transceiver is configured as a cellular radio interface.

8. The method of claim 1, wherein the mobile payment application is further configured to allow payment for electronic transactions.

9. The method of claim 1, wherein the mobile payment application displays transaction history, receipts, and payment accounts.

19. The method of claim 1, wherein the digital artifact includes an advertisements, receipt, ticket, coupon, media, and content.

10. A secure element comprising:

a secure element input interface configured with a stripe to read payment credentials;

a secure element mobile device connector configured for mechanical connection of the secure element to a mobile device through a slot provided for physical insertion of the secure element into the mobile device, the mobile device including a mobile device display, a mobile device processor, a mobile device memory, and a mobile device radio transceiver configured for voice and data communications;

the secure element transfers the payment credentials to the mobile device, the mobile device running a non browser based mobile payment application that allows the mobile device to operate as a point-of-sale (POS) terminal, the mobile payment application configured to;

receive a request from a user to purchase an item and generate a payment authorization;

send a request for a digital artifact for display within a specific mobile payment application generated screen to a remote server via the mobile device radio transceiver;

receive the digital artifact from the remote server via the mobile device radio transceiver, the remote server authorizes payment for the item selected, wherein the digital artifact is selected by the remote server based on correlating a user'"'"'s targeting parameters, the specific mobile payment application generated screen corresponding to a specific screen, scene, or real estate property; and

display, via the mobile device display, the digital artifact within the specific mobile payment application generated screen.

11. The secure element of claim 10, wherein the mobile payment application is configured to store banking information including payment account numbers, security codes, and personal identification numbers.

12. The secure element of claim 10, wherein a data exchange between the mobile payment application and the remote server occurs to authorize the user to conduct a payment transaction.

13. The secure element of claim 12, wherein the data exchange includes exchanging an identification code.

14. The secure element of claim 13, wherein the identification code is a personal identification number (PIN).

15. The secure element of claim 10, wherein the mobile device radio transceiver is configured as a Wireless Fidelity (WiFi) interface.

16. The secure element of claim 10, wherein the mobile device radio transceiver is configured as a cellular radio interface.

17. The secure element of claim 10, wherein the mobile payment application is further configured to allow payment for electronic transactions.

18. The secure element of claim 10, wherein the mobile payment application displays transaction history, receipts, and payment accounts.

20. The secure element of claim 10, wherein the digital artifact includes an advertisements, receipt, ticket, coupon, media, and content.