Adding card to mobile/cloud wallet using NFC

• US 9,218,624 B2
• Filed: 02/01/2013
• Issued: 12/22/2015
• Est. Priority Date: 02/03/2012
• Status: Active Grant

• Current Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Original Assignee: PayPal, Inc. (PayPal Holdings, Inc.)
• Inventors: Moghadam, Ali Minaei
• Primary Examiner(s): HESS, DANIEL A
• Application Number:
  US13/757,408
• Publication Number:
  US 20130200146A1
• Time in Patent Office: 1,054 Days
• Field of Search: 235/379, 705/27.2, 705/26.1
• US Class Current: 1/1
• CPC Class Codes: G06K 7/10366 the interrogation device being adapted for miscellaneous applications
• 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 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3567 Software being in the reader
• CPC Class Codes: G06Q 20/3672 initialising or reloading thereof
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4018 using the card verification value [CVV] associated with the card
• CPC Class Codes: G06Q 40/04 Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
• 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 user enables a communication, such as through a tap, between an NFC-enabled payment or funding card and a mobile device. Card information, such as the card number, type, and expiration date, are read by the mobile device. The user is then authenticated through the user device, such as by entering a CVV code, a PIN for the card, a cardholder name, and/or a billing address for the card. If confirmed, the card is added to the user'"'"'s mobile/cloud wallet.

Claims

1. A system comprising:

a memory storing information about user accounts, where the information comprises funding card information; and

one or more hardware processors in communication with the memory, wherein the one or more hardware processors performs;

receiving a request from a user device to add a funding card;

receiving, from the user device, near field communications data between the user device and the funding card;

in response to receiving the near field communications data;

causing the user device to display a number associated with the funding card, an expiration date, and a type of card; and

causing the user device to display fields enabling a user of the user device to manually correct at least one of the number, the expiration date, and the type of card;

receiving, from the user device, a manual correction to at least one of the number, the expiration date, and the type of card;

requesting, from the user device, a name and address through text;

receiving, from the user device, the name and address;

identifying a database-stored name and a database-stored address associated with the card using at least the manual correction;

determining whether the name and address matches the database-stored name and the database-stored address associated with the funding card; and

adding the funding card to the user account on the system when the name and address match the database-stored name and database-stored address.

2. The system of claim 1, wherein the funding card is an NFC-enabled funding card.

3. The system of claim 1, wherein the request is from a mobile app on the user device.

4. The system of claim 1, wherein the near field communications data comprise a card number and a card expiration date.

5. The system of claim 1, wherein the processor further performs authenticating the user of the user device.

6. The system of claim 5, wherein the authenticating comprises receiving a valid PIN associated with the funding card from the user.

7. The system of claim 5, wherein the authenticating comprises receiving a valid card security code from the user.

8. The system of claim 1, wherein the database-stored name and the database-stored address are obtained from a user account with the payment provider.

9. The system of claim 1, wherein the name and address are obtained from user entry into the user device.

10. A method of adding a card to a user account on a device, comprising:

receiving, electronically, a request from a user device to add the card;

receiving, electronically from the user device, near field communications data between the user device and the funding card;

in response to receiving the near field communications data;

causing the user device to display a number associated with the funding card, an expiration date, and a type of card; and

causing the user device to display fields enabling a user of the user device to manually correct at least one of the number the expiration date, and the type of card;

receiving, from the user device, a manual correction to at least one the number, the expiration date, and the type of card;

requesting a name and address through text;

receiving, electronically, the name and address;

identifying a database-stored name and database-stored address associated with the card using at least the manual correction;

determining whether the name and address matches the database-stored name and the database-stored address associated with the card; and

adding, by the hardware processor, the card to the user account on the device when the name and address match the database-stored name and database stored address.

11. The method of claim 10, wherein the request is from a mobile app on the user device.

12. The method of claim 10, wherein the near field communications data comprise a card number and a card expiration date.

13. The method of claim 10, the method further comprising authenticating, by a hardware processor of a payment provides, the user of the user device.

14. The method of claim 13, wherein the authenticating comprises receiving a valid card security code from the user.

15. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which when executed by one or more processors of a server are adapted to cause the server to perform a method comprising:

receiving a request from a user device to add a funding card;

receiving, from the user device, near field communications data between the user device and the funding card;

in response to receiving the near field communications data;

causing the user device to display a number associated with the funding card, expiration date, and type of card; and

causing the user device to display fields enabling a user of the user device to manually correct at least one of the number, expiration date, and the type of card;

receiving, from the user device, a manual correction to at least one the number, the expiration date, and the type of card;

requesting a name and address through text;

receiving, from the user device, the name and address;

identifying a database-stored name and database-stored address associated with the card using at least the manual correction;

determining whether the name and address matches the database-stored name and database-stored address associated with the funding card; and

adding the funding card to the user account on the server when the name and address match the database-stored name and address.

16. The non-transitory machine-readable medium of claim 15, wherein the request is from a mobile app on the user device.

17. The non-transitory machine-readable medium of claim 15, wherein the near field communications data comprise a card number and a card expiration date.

18. The non-transitory machine-readable medium of claim 15, wherein the method further comprises authenticating the user of the user device.

19. The non-transitory machine-readable medium of claim 18, wherein the authenticating comprises receiving a valid PIN associated with the funding card from the user.

20. The non-transitory machine-readable medium of claim 18, wherein the authenticating comprises receiving a valid card security code from the user.

21. The non-transitory machine-readable medium of claim 15, wherein the name and address of the user are obtained from a user account with the payment provider.

22. The non-transitory machine-readable medium of claim 15, wherein the name and address of the user are obtained from user entry into the user device.