Mobile communication device near field communication (NFC) transactions

• US 9,378,493 B2
• Filed: 09/14/2012
• Issued: 06/28/2016
• Est. Priority Date: 11/14/2007
• Status: Active Grant

• Current Assignee: Michelle T. Fisher
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle, Guha, Rathin
• Primary Examiner(s): Ajibade Akonai, Olumide T
• Application Number:
  US13/620,632
• Publication Number:
  US 20130023209A1
• Time in Patent Office: 1,383 Days
• Field of Search: 455/41.1, 455/41.2, 455/418, 455/420, 455405-411, 455/414.1, 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, 235/492
• US Class Current: 1/1
• 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 20/326 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 20/3552 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 Communications (NFC) transaction using an NEC protocol and a mobile communication device, the method comprising:

maintaining a secure element application configured to use the NFC protocol and an identification code in a secure element memory in a secure element, the secure element, associated with a mobile communication device comprising of a mobile device memory, a mobile device processor, and a mobile device transceiver, the secure element including the secure element memory, a secure element processor and a secure element communication transceiver supporting a communication channel comprising the (NFC) protocol;

executing the secure element application, wherein the secure element application is executed by the secure element processor in response to detection of a near field communication inductive signal by an NFC terminal, and execution of the secure element application facilitates transfer of the identification code to the NFC terminal using the NFC protocol and further wherein the NFC terminal transfers the identification code to a management server which transmits the identification code to a transaction server for processing of the NFC transaction using a payment method corresponding to the identification code, wherein the NFC terminal is configured to use the NFC protocol.

2. The method of claim 1, further wherein a mobile application running on the mobile device uses biometrics to authenticate the user before the NFC transaction is processed.

3. The method of claim 1, further comprising applying a coupon during the near field communication payment transaction.

4. The method of claim 1, further wherein a digital artifact is delivered from the management server to the mobile device through the mobile device-transceiver.

5. The method of claim 4, wherein the digital artifact comprises a receipt, ticket, advertisement, or coupon.

6. The method of claim 1, further wherein a digital artifact is received through the secure element communication transceiver at the secure element after purchase from the NFC terminal.

7. The method of claim 6, wherein the digital artifact comprises a receipt, coupon, ticket, and/or return/refund policy.

8. The method of claim 1, further wherein the management server transmits the identification code to the transaction server associated with the identification code.

9. A mobile device using a near field communication protocol for an NFC transaction, the mobile communication device comprising:

a mobile device memory;

a mobile device processor; and

a mobile device transceiver;

wherein the mobile device is associated with a secure element, the secure element including a secure element memory, a secure element-processor, a secure element communication transceiver supporting a first communication channel comprising the near field communications (NFC) protocol, wherein the secure element memory maintains a secure element application configured to use the NFC protocol and an identification code, wherein the secure element application is executed by the secure element processor in response to detection of a near field communication inductive signal by an NFC terminal and execution of the secure element application facilitates transfer of the identification code to the NFC terminal the secure element communication transceiver and further wherein the NFC terminal transfers the identification code to a management server which transmits the identification code to a transaction server for processing of the NFC transaction using a payment method corresponding to the identification code, the NFC terminal configured to use the NFC protocol.

10. The mobile device of claim 9, further wherein a mobile application running on the mobile device uses biometrics to authenticate the user before the NFC transaction is processed.

11. The mobile device of claim 9, further comprising applying a coupon during the near field communication payment transaction.

12. The mobile device of claim 9, farther wherein a digital artifact is delivered from the management server to the mobile device through the mobile device-transceiver.

13. The mobile device of claim 12, wherein the digital artifact comprises a receipt, ticket, advertisement, or coupon.

14. The mobile device of claim 9, wherein the digital artifact is received through the secure element communication transceiver at the secure element after purchase from the NFC, terminal.

15. The mobile device of claim 14, wherein the digital artifact comprises a receipt, coupon, ticket, and/or return/refund policy.

16. The mobile device of claim 9, further wherein the management server transits the identification code to the transaction server associated with the identification code.