Secure device based NFC payment transactions

• US 9,015,063 B2
• Filed: 10/12/2012
• Issued: 04/21/2015
• Est. Priority Date: 11/14/2007
• Status: Expired due to Fees

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): AJIBADE AKONAI, OLUMIDE
• Application Number:
  US13/650,226
• Publication Number:
  US 20130035036A1
• Time in Patent Office: 921 Days
• Field of Search: 455/41.1, 455/41.2, 455405-411, 455/414.1, 455/418, 455/419, 455/550.1, 455/552.1, 455/553.1, 455/556.1, 455/557, 455/558, 455/41.3, 705/16, 705/17, 705/39, 705/40, 705/26.1, 705/42, 705/64, 705/75, 235/379, 235/380
• US Class Current: 705/16
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• 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 20/3229 Use of the SIM of a M-device as secure element
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/3552 Downloading or loading of personalisation data
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 30/0238 at point-of-sale [POS]
• CPC Class Codes: H04B 5/72 for local intradevice communication
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 63/102 Entity profiles
• CPC Class Codes: H04W 12/062 Pre-authentication
• CPC Class Codes: H04W 12/068 using credential vaults, e.g. password manager applications or one time password [OTP] applications
• CPC Class Codes: H04W 12/082 using revocation of authorisation
• 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 88/06 : adapted for operation in multiple networks or having at least two operational modes, e.g. multi-mode terminals

Abstract

A method for transmitting data between a mobile communication device and a server. The method includes running a mobile application on the mobile communication device. The mobile application is hosted on the mobile communication device through the server as a Software as a Service (SaaS). The method further includes transmitting data associated with the mobile application between the mobile communication device and the server, in which transmission of the data between the mobile communication device and the server is monitored through the server.

Claims

1. A method for conducting a near field communication contactless payment transaction, the method comprising:

conducting a data exchange between a mobile application running on a mobile device and a management server;

receiving authorization for a user associated with the mobile application running on the mobile device to conduct a near field communication (NFC) contactless payment transaction with an NFC terminal, wherein authorization is received after the data exchange between the mobile application and the management server;

wherein the mobile device is coupled to a secure element, the secure element operable to maintain a secure element application in secure element memory and includes a plurality of secure element communications transceiver and wherein each of the communications transceivers support a respective communications protocol and wherein one of the plurality of secure element communications transceiver is configured for NFC, wherein the initiation of the secure element application is executed by using the processor of the secure element that is activated by a NFC interaction between the secure element and a NFC terminal without communication with the mobile device during the NFC contactless payment transaction, wherein the secure element sends transaction data including payment credentials to the NFC terminal using a transceiver configured for NFC without prior authentication and subsequently transmits the transaction data to the management server for processing, the transaction data sent to the NFC terminal as a result of the execution of the secure element application on the processor of the secure element in response to a NFC interaction between the secure element and the NFC terminal.

2. The method of claim 1, wherein the data exchange includes exchanging an identification code.

3. The method of claim 2, wherein the identification code is a personal identification number (PIN).

4. The method of claim 1, wherein the data exchange includes using a session key that is a shared key.

5. The method of claim 1, wherein the data exchange between the mobile device and the management server includes prompting a user to enter a payment limit personal identification number (PIN) in response to a purchase exceeding a pre-determined amount.

6. The method of claim 1, wherein access to data associated with the data exchange is controlled.

7. The method of claim 6, wherein access to the data is controlled by deleting cached data from the mobile device memory of the mobile device and from the secure element memory of the secure element.

8. The method of claim 6, wherein access to the data is controlled by disabling the secure element.

9. The method of claim 1, wherein the user is prompted for a personal identification number (PIN) by the mobile application before allowing the user to conduct the payment transaction.

10. The method of claim 1, wherein the user is prompted for biometric data before allowing the user to conduct the payment transaction.

11. The method of claim 1, wherein the user is prompted for multifactor authentication before allowing the user to conduct the payment transaction.

12. The method of claim 1, wherein the secure element is permanently embedded within the body of the mobile device.

13. The method of claim 1, wherein the secure element is affixed externally to the mobile device.

14. The method of claim 1, wherein the secure element is removably embedded in a slot of the mobile device.

15. The method of claim 1, wherein the mobile device wireless transceiver in the mobile device communicates wirelessly with the secure element wireless transceiver in the secure element.

16. The method of claim 1, wherein the mobile device processor in the mobile device communicates through a wired connection to the secure element processor in the secure element.

17. The method of claim 1, wherein the NFC terminal is a another mobile device coupled with a secure element and further wherein the secure element is configured for near field communications.

18. The method of claim 1, wherein the NFC terminal is another secure element and further wherein the secure element includes a chip configured for unidirectional near field communication.

19. A mobile device for conducting a near field communication contactless payment transaction, the mobile device comprising:

a mobile device memory configured to maintain a mobile application;

a mobile device processor configured to execute the mobile application to conduct a data exchange between the mobile application and a management server;

a mobile device transceiver configured to receive authorization from the management server, wherein the management server permits a user associated with the mobile application running on the mobile device to conduct a near field communication (NFC) contactless payment transaction with an NFC terminal,

wherein the mobile device is coupled to a secure element, the secure element operable to maintain a secure element application in secure element memory and includes a plurality of secure element communications transceiver and wherein each of the communications transceivers support a respective communications protocol and wherein one of the plurality of secure element communications transceiver is configured for NFC, wherein initiation of the secure element application is executed by using the processor of the secure element that is activated by a NFC interaction between the secure element and a NFC terminal without communication with the mobile device during the NFC contactless payment transaction, wherein the secure element sends transaction data including payment credentials to the NFC terminal without prior authentication using a transceiver configured for NFC and subsequently transmits the transaction data to the management server for processing, the transaction data sent to the NFC terminal as a result of the execution of the secure element application on the processor of the secure element in response to a NFC interaction between the secure element and the NFC terminal.

20. The mobile device of claim 19, wherein the data exchange includes exchanging an identification code.

21. The mobile device of claim 20, wherein the identification code is a personal identification number (PIN).

22. The mobile device of claim 19, wherein the data exchange includes using a session key that is a shared key.

23. The mobile device of claim 19, wherein the data exchange between the mobile device and the management server includes prompting a user to enter a payment limit personal identification number (PIN) in response to a purchase exceeding a pre-determined amount.

24. The mobile device of claim 19, wherein the NFC terminal is a another mobile device coupled with a secure element and further wherein the secure element is configured for near field communications.

25. The mobile device of claim 19, wherein the NFC terminal is another secure element and further wherein the secure element includes a chip configured for unidirectional near field communication.