Mobile payment management

• US 8,923,827 B2
• Filed: 01/09/2008
• Issued: 12/30/2014
• Est. Priority Date: 01/09/2007
• Status: Active Grant

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Wentker, Dave, Wong, Erick, Shenker, Gavin, Deibert, Doug
• Primary Examiner(s): BALAOING, ARIEL A
• Application Number:
  US11/971,715
• Publication Number:
  US 20080167017A1
• Time in Patent Office: 2,547 Days
• Field of Search: 455/414.1, 455/556.1, 455/406, 455/466, 455/407, 705/35, 705/39
• US Class Current: 455/414.1
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/20 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 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• CPC Class Codes: G06Q 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/3267 In-app payments
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 30/0224 based on user history
• CPC Class Codes: G06Q 40/00 Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: H04L 12/66 Arrangements for connecting between networks having differing types of switching systems, e.g. gateways
• CPC Class Codes: H04M 15/83 Notification aspects
• CPC Class Codes: H04M 15/8355 after the end of the communication
• CPC Class Codes: H04M 15/84 Types of notifications
• CPC Class Codes: H04M 15/844 Message, e.g. SMS
• CPC Class Codes: H04M 15/85 characterised by the type of condition triggering a notification
• CPC Class Codes: H04M 15/852 Low balance or limit reached
• CPC Class Codes: H04M 15/854 : Available credit
• CPC Class Codes: H04M 15/881 : for continuing the call beyond the limit using allow grace
• CPC Class Codes: H04M 15/93 : using near field or similar technologies
• CPC Class Codes: H04W 4/24 : Accounting or billing
• 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 88/02 : Terminal devices

Abstract

A method for managing mobile payments in a mobile phone. The method includes receiving data associated with a plurality of issuer specific payment services at a mobile phone, selecting one of the issuer specific payment services, and conducting a transaction using the phone.

Claims

1. A method comprising:

receiving a plurality of issuer specific payment applications associated with a plurality of issuer specific payment services at a mobile phone, wherein the mobile phone comprises a contactless element that allows the mobile phone to communicate contactlessly with a point of sale terminal with a contactless reader;

storing the received the plurality of issuer specific payment applications and a plurality of issuer specific keys respectively associated with the plurality of issuer specific payment services in a secure element in the mobile phone, wherein the mobile phone also stores a plurality of mobile applications respectively associated with the plurality of issuer specific payment applications, the plurality of mobile applications residing on the mobile phone outside of the secure element and having respectively different issuer specific account management services and payment functions;

receiving a selection of one of the issuer specific payment services as a default service; and

conducting a payment transaction using the mobile phone using the one issuer specific payment service.

2. The method of claim 1 wherein the method further comprises, prior to receiving the selection:

displaying indicators for the plurality of issuer specific payment services so that a consumer can select an issuer specific payment service from the plurality of issuer specific payment services.

3. The method of claim 1 wherein payment services in the plurality of issuer specific payment services have different functions.

9. The method of claim 1 wherein the plurality of issuer specific payment services comprises a first issuer specific payment service that provides transaction alerts, and a second issuer specific payment service that does not provide transaction alerts.

10. The method of claim 1 further comprising, providing by the mobile phone, an option for the user to indicate that the one issuer specific payment service is always on.

11. The method of claim 1 wherein the plurality of issuer specific payment services comprises a first issuer specific payment service that provides for a remote payment option and a second issuer specific payment service that provides for a proximity payment option.

12. The method of claim 1 wherein the plurality of mobile applications provide a plurality of issuer-specific user interfaces.

13. The method of claim 1 wherein the plurality of mobile applications comprise a plurality of issuer specific account management and offer management features.

14. The method of claim 1 wherein the mobile device further comprises a download manager that resides outside of the secure element.

15. The method of claim 1 wherein conducting the payment transaction using the mobile phone using the one issuer specific payment service comprises placing the mobile phone in the vicinity of a contactless reader of a point of sale terminal, wherein the reader obtains account information from the secure element.

16. The method of claim 1 wherein the secure element comprises a removable universal subscriber identity module.

17. The method of claim 1 wherein each of the issuer specific payment applications includes a Java card application.

18. The method of claim 1 further comprising:

provisioning the plurality of issuer specific payment applications over the air through a service activation system.

19. The method of claim 18 wherein the service activation system is configured to provide provisioning, initialization, and personalization commands to the mobile phone.

4. A non-transitory computer readable medium comprising code, executable by a processor, for implementing a method comprising:

receiving a plurality of issuer specific payment applications associated with a plurality of issuer specific payment services at a mobile phone, wherein the mobile phone comprises a contactless element that allows the mobile phone to communicate contactlessly with a point of sale terminal with a contactless reader,

storing the received the plurality of issuer specific payment applications and a plurality of issuer specific keys respectively associated with the plurality of issuer specific payment services in a secure element in the mobile phone, wherein the mobile phone also stores a plurality of mobile applications respectively associated with the plurality of issuer specific payment applications, the plurality of mobile applications residing on the mobile phone outside of the secure element and having respectively different issuer specific account management services and payment functions,

receiving a selection of one of the issuer specific payment services as a default service, and

conducting a payment transaction using the mobile phone using the one issuer specific payment service.

5. The computer readable medium of claim 4 wherein the method further comprises:

displaying a prompt to select an issuer specific payment service from the plurality of issuer specific payment services.

6. A phone comprising the computer readable medium of claim 4.

7. A phone comprising the computer readable medium of claim 5.

8. A mobile phone comprising:

a processor;

a contactless element coupled to the processor;

a memory operatively coupled to the processor, the memory comprising a plurality of mobile applications having respectively different issuer specific account management services and payment functions;

a secure element separate from the memory and comprising a plurality of payment applications respectively associated with the plurality of mobile applications, and a plurality of issuer specific keys respectively associated with the plurality of payment applications;

a display operatively coupled to the processor; and

an antenna operatively coupled to the processor.