Gesture based authentication for wireless payment by a mobile electronic device

• US 9,082,117 B2
• Filed: 07/25/2011
• Issued: 07/14/2015
• Est. Priority Date: 05/17/2008
• Status: Active Grant

• Current Assignee: David H. Chin
• Original Assignee: David H. Chin
• Inventors: Chin, David H.
• Primary Examiner(s): Dharia, Prabodh M
• Application Number:
  US13/189,592
• Publication Number:
  US 20110282785A1
• Time in Patent Office: 1,450 Days
• Field of Search: 715/863, 235/379, 455/68, 726/19, 345156-184, 705/42
• US Class Current: 1/1
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 2203/04808 Several contacts: gestures triggering a specific function, e.g. scrolling, zooming, right-click, when the user establishes several contacts with the surface simultaneously; e.g. using several fingers or a combination of fingers and pen
• CPC Class Codes: G06F 3/04883 for inputting data by handwriting, e.g. gesture or text
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices

Abstract

A method of gesture based authentication for wireless payment by a mobile electronic device is disclosed. In one aspect, the method includes determining that an applied gesture above a touch receptive area of a target device is associated with a user-defined payment gesture stored locally within the mobile electronic device. The method may include comparing the applied gesture above the touch receptive input area of a mobile electronic device with a user-defined payment gesture stored locally within the mobile electronic device. If the applied gesture above the touch receptive input area of a mobile electronic device matches the user-defined payment gesture stored locally within the mobile electronic device, the method includes permitting the wireless transfer of protected payment data resident on the mobile electronic device to an external reader using near-field communication technology.

Claims

1. A method comprising:

comparing an applied gesture above a touch receptive input area of a target device with a user-defined payment gesture stored locally within the target device wherein the user-defined payment gesture is designated by an individual user of the target device;

permitting a wireless transmission of protected payment data resident on the target device to an initiator device if the applied gesture matches the user-defined payment gesture stored locally within the target device;

denying the wireless transmission of the protected payment data resident on the target device to the initiator device if the applied gesture does not match the user-defined payment gesture stored locally within the target device; and

transmitting, when permitted, the protected payment data from the target device to the initiator device by magnetic induction between a loop antenna located within a first electromagnetic field of the target device and an another loop antenna located within a second electromagnetic field of the initiator device such that a strong inductive effect and a strong capacitive effect are present in a near field region of an electromagnetic radiation that emanates from the loop antenna and the another loop antenna forming an air-core transformer, wherein during the transmitting the target device operates in an emulation mode.

2. A method comprising:

comparing an applied gesture above a touch receptive input area of a target device with a user-defined payment gesture stored locally within the target device, wherein the user-defined payment gesture is designated by an individual user of the target device, and wherein the applied gesture consists of a spatial pattern and the applied gesture is independent of a scale value and a position value on the touchscreen;

permitting a wireless transmission of protected payment data resident on the target device to an initiator device if the applied gesture matches the user-defined payment gesture stored locally within the target device; and

denying the wireless transmission of the protected payment data resident on the target device to the initiator device if the applied gesture does not match the user-defined payment gesture stored locally within the target device.

3. The method of claim 2 further comprising transmitting, when permitted, the protected payment data from the target device to the initiator device by magnetic induction between a loop antenna located within a first electromagnetic field of the target device and an another loop antenna located within a second electromagnetic field of the initiator device such that a strong inductive effect and a strong capacitive effect are present in a near field region of an electromagnetic radiation that emanates from the loop antenna and the another loop antenna forming an air-core transformer.

4. The method of claim 3 wherein during the transmitting the target device operates in a passive communication state such that the initiator device provides the second electromagnetic field and the target device answers by modulating the first electromagnetic field during which the target device draws at least some of its operating power from the second electromagnetic field provided by the initiator device.

5. The method of claim 3 wherein during the transmitting the target device operates in an active communication state such that the initiator device provides the second electromagnetic field and the target device answers by creating the first electromagnetic field during which the target device draws at least some of its operating power from a battery.

6. The method of claim 2 further comprising operating the target device in a peer-to-peer state.

7. The method of claim 2 further comprising permitting the user to select the protected payment data.

8. The method of claim 2 further comprising receiving a request from the initiator device.

9. The method of claim 2 wherein the target device is a mobile electronic device.

10. The method of claim 2 wherein the initiator device is a mobile electronic device.

11. The method of claim 2 further comprising transmitting, when permitted, the protected payment data from the target device to the initiator device, wherein the protected payment data are in the form of an encoded optical emission.

12. The method of claim 2 further comprising:

accepting the user-defined payment gesture as an input above a touch receptive input area of a target device; and

storing the user-defined payment gesture locally within the target device.

13. The method of claim 2 further comprising accessing a user-defined parameter, wherein the parameter comprises at least one of a transaction amount, an application resident on the target device, the nature of the initiator device, and the identity of the initiator device.

14. The method of claim 2 further comprising prompting the user to enter the applied gesture.

15. The method of claim 2 further comprising permitting a finite number of additional wireless transmission of one or more of the protected payment data and another protected payment data.

16. The method of claim 2 further comprising permitting, for a finite time period, additional wireless transmissions of one or more of the protected payment data and another protected payment data.

17. The method of claim 2 further comprising sending a deactivating signal to the target device preventing one or more of transmission of another protected payment data and another transmission of the protected payment data.

18. A method comprising:

comparing an applied gesture above a touch receptive input area of a target device with a user-defined payment gesture stored locally within the target device, wherein the user-defined payment gesture is designated by an individual user of the target device, and wherein the applied gesture consists of a spatial pattern and the applied gesture does not depend on sequential activation of fixed areas on the touchscreen;

permitting a wireless transmission of protected payment data resident on the target device to an initiator device if the applied gesture matches the user-defined payment gesture stored locally within the target device; and

denying the wireless transmission of the protected payment data resident on the target device to the initiator device if the applied gesture does not match the user-defined payment gesture stored locally within the target device.