Induction based transactions at a POS terminal

• US 9,600,811 B2
• Filed: 04/14/2015
• Issued: 03/21/2017
• Est. Priority Date: 11/30/2007
• Status: Active Grant

• Current Assignee: Blaze Mobile, Inc. (iWin, Inc.)
• Original Assignee: Michelle Fisher
• Inventors: Fisher, Michelle
• Primary Examiner(s): Goyea, Olusegun
• Application Number:
  US14/686,715
• Publication Number:
  US 20150262165A1
• Time in Patent Office: 707 Days
• Field of Search: 455/41.1, 455406-410, 455/556.1, 455/558, 455/41.2, 455/39, 705/16, 705/18, 705/30, 705/40, 705/41, 705/44, 705/64, 235375-385, 235/451, 235/462, 235/492, 370/338
• US Class Current: 1/1
• CPC Class Codes: G06Q 10/10 Office automation; Time management
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/16 Payments settled via telecommunication 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 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• 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 20/325 using wireless networks
• CPC Class Codes: G06Q 20/3255 using mobile network messaging services for payment, e.g. SMS
• 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 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 : insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 : Electronic credentials
• CPC Class Codes: G06Q 20/40 : Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 : Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 : Identity check for transactions
• CPC Class Codes: G06Q 20/409 : Device specific authentication in transaction processing
• CPC Class Codes: G06Q 30/02 : Marketing; Price estimation or determination; Fundraising
• CPC Class Codes: G06Q 30/0222 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0238 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/0251 : Targeted advertisements
• CPC Class Codes: G06Q 30/0253 : During e-commerce, i.e. online transactions
• CPC Class Codes: G06Q 30/0255 : based on user history
• CPC Class Codes: G06Q 30/0267 : Wireless devices
• CPC Class Codes: G06Q 30/0268 : at point-of-sale [POS]
• CPC Class Codes: G06Q 30/06 : Buying, selling or leasing transactions
• CPC Class Codes: G06Q 30/0613 : Third-party assisted
• CPC Class Codes: G06Q 30/0635 : Processing of requisition or of purchase orders
• CPC Class Codes: G06Q 40/00 : Finance; Insurance; Tax strategies; Processing of corporate or income taxes
• CPC Class Codes: G06Q 40/10 : Tax strategies
• CPC Class Codes: G06Q 40/12 : Accounting
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04B 5/70 : specially adapted for specific purposes
• CPC Class Codes: H04M 1/72445 : for supporting Internet browser applications
• CPC Class Codes: H04N 21/812 : involving advertisement data advertising per se G06Q30/02
• CPC Class Codes: H04W 4/02 : Services making use of location information
• CPC Class Codes: H04W 4/029 : Location-based management or tracking services
• CPC Class Codes: H04W 4/18 : Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
• CPC Class Codes: H04W 4/21 : for social networking applications
• 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 8/205 : Transfer to or from user equipment or user record carrier
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

A method and system for conducting an online payment transaction through a point of sale device. The method includes receiving input from a user selecting an item for purchase through the point of sale device; calculating a total purchase amount for the item in response to a request from the user to purchase the item; and sending payment authorization for the total purchase amount from the point of sale device to a payment entity, in which the payment authorization is sent to the payment entity via a mobile communication device of the user. The method further includes receiving a result of the payment authorization from the payment entity through the mobile communication device; and completing the payment transaction based on the result of the payment authorization.

Claims

1. A method for conducting a Near Field Communication (NFC) transaction at a point of sale terminal, the method comprising:

transmitting an NFC inductive signal and triggering an NFC interaction with a secure element which activates a secure element processor to execute an NFC application stored in a secure element memory by using a point of sale terminal processor, wherein the secure element processor, the secure element memory, and an NFC transceiver are included in the secure element permanently embedded within the body of a mobile device, the mobile device including a mobile device display, a mobile device memory, a mobile device processor, and a mobile device transceiver;

receiving an identification code from the secure element memory via the NFC application, by using a point of sale terminal NFC transceiver during the NFC interaction; and

sending the identification code from the point of sale terminal to a management server, and further wherein a payment method corresponding to the wherein the identification code corresponds to a payment method to be transmitted by the management server is received by to a transaction server for processing the near field communication transaction using the payment method.

4. The method of claim 1, wherein the point of sale terminal is a desktop computer, a laptop computer, or a thin client, and wherein the point of sale terminal includes an NFC chip configured as an NFC scanner and an NFC reader.

5. The method of claim 1, wherein, after the near field communication transaction, a digital artifact is sent from the management server to a non-browser based mobile application stored on the mobile device for display in the non-browser based mobile application.

6. The method of claim 5, wherein the digital artifact comprises an advertisement, receipt, ticket, media, metadata and/or content.

7. The method of claim 5, further wherein the digital artifact is accessible by the non-browser based mobile application when the mobile device is not connected to a network.

8. The method of claim 1, further wherein a non-browser based mobile application executing on the mobile device implements a security tool, and wherein the security tool comprises:

prompting the user to login to the mobile device, using biometrics to authenticate the user before authorizing the near field communications transaction, disabling use of the non-browser based mobile application, prompting the user to enter a payment limit PIN in response to a pending purchase exceeding a pre-determined amount, temporarily disabling the secure element, permanently disabling the secure element, deleting all cached data stored in the mobile device memory, and/or storing encrypted security codes on the mobile device, wherein disabling the secure element prevents transmission of the identification code to the point of sale terminal using the secure element application the near field communication transaction, coupon redemption, and ticket redemption.

9. The method of claim 1, further comprising applying a coupon during the near field communication interaction between the secure element and the point of sale terminal.

10. The method of claim 1, wherein data stored on the mobile device is encrypted using a mobile operating system native to the mobile device.

18. The method of claim 1, wherein the payment method is a credit card.

19. The method of claim 1, wherein the payment method is a debit card.

20. The method of claim 1, wherein the payment method is a cash card.

24. The method of claim 1, wherein the transaction server receives the transaction information including the payment method based on information related to the identification code.

2. A point of sale (POS) terminal for conducting a near field communication (NFC) transaction, the POS terminal comprising:

a point of sale terminal processor configured to transmit an NFC inductive signal and trigger an NFC interaction with a secure element which activates a secure element processor to execute an NFC application stored in a secure element memory, wherein the secure element processor, the secure element memory, and an NFC transceiver are included in the secure element permanently embedded within the body of a mobile device, the mobile device including a mobile device display, a mobile device memory, a mobile device processor, and a mobile device transceiver; and

a point of sale terminal NFC transceiver configured to;

receive an identification code, via the NFC application, from the secure element memory during the NFC interaction;

send the identification code to a management server, wherein the identification code corresponds to a payment method to be transmitted by the management server to a transaction server for processing the near field communication transaction using the payment method.

11. The point of sale terminal of claim 2, wherein the point of sale terminal is a desktop computer, a laptop computer, or a thin client, and wherein the point of sale terminal includes an NFC chip configured as an NFC scanner and an NFC reader.

12. The point of sale terminal of claim 2, wherein, after the near field communication transaction, a digital artifact is sent from the management server to a non-browser based mobile application stored on the mobile device for display in the non-browser based mobile application.

13. The point of sale terminal of claim 12, wherein the digital artifact comprises an advertisement, receipt, ticket, media, metadata and/or content.

14. The point of sale terminal of claim 12 further wherein the digital artifact is accessible by the non-browser based mobile application when the mobile device is not connected to a network.

15. The point of sale terminal of claim 2, further wherein a non-browser based mobile application executing on the mobile device implements a security tool, and wherein the security tool comprises prompting the user to login to the mobile device, using biometrics to authenticate the user before authorizing the near field communications transaction, disabling use of the non-browser based mobile application, prompting the user to enter a payment limit PIN in response to a pending purchase exceeding a pre-determined amount, temporarily disabling the secure element, permanently disabling the secure element, deleting all cached data stored in the mobile device memory, and/or storing encrypted security codes on the mobile device, wherein disabling the secure element prevents the near field communication transaction, coupon redemption, and ticket redemption.

16. The point of sale terminal of claim 2, further comprising applying a coupon during the near field communication interaction between the secure element and the point of sale terminal.

17. The point of sale terminal of claim 2, wherein data stored on the mobile device is encrypted using a mobile operating system native to the mobile device.

21. The point of sale terminal of claim 2, wherein the payment method is a credit card.

22. The point of sale terminal of claim 2, wherein the payment method is a debit card.

23. The point of sale terminal of claim 2, wherein the payment method is a cash card.

25. The point of sale terminal of claim 2, wherein the transaction server receives the transaction information including the payment method based on information related to the identification code.

3. A non-transitory computer readable medium for conducting a Near Field Communication (NFC) transaction at a point of sale terminal, the non-transitory computer readable medium comprising:

computer code for transmitting an NFC inductive signal and triggering an NFC interaction with a secure element which activates a secure element processor to execute an NFC application stored in a secure element memory by using a point of sale terminal processor, wherein the secure element processor, the secure element memory, and an NFC transceiver are included in the secure element permanently embedded within the body of a mobile device, the mobile device including a mobile device display, a mobile device memory, a mobile device processor, and a mobile device transceiver;

computer code for receiving an identification code from the secure element memory via the secure element application, by using a point of sale terminal NFC transceiver during the NFC interaction; and

computer code for sending the identification code from the point of sale terminal to a management server, wherein the identification code corresponds to a payment method to be transmitted by the management server to a transaction server for processing the near field communication transaction using the payment method corresponding to the identification code.