Induction based transactions at a moble device with authentication

  • US 9,652,771 B2
  • Filed: 06/07/2016
  • Issued: 05/16/2017
  • Est. Priority Date: 11/14/2007
  • Status: Active Grant
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First Claim
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1. A method for conducting a Near Field Communication (NFC) transaction using an NFC protocol, the method comprising:

  • storing a non-browser based-application in a mobile device memory included in the mobile device, wherein the non-browser based application is a mobile operating system platform non browser based mobile application preinstalled or downloaded and installed on the mobile device, the mobile device comprising a mobile device display, a mobile device processor, a mobile device transceiver that supports voice and data interactions through a first communication channel, an NFC transceiver configured to use the NFC protocol through a second communication channel, an NFC processor configured to use the NFC protocol, and a secure element memory, wherein the secure element memory includes an identification code and a secure element application configured to use the NFC protocol;

    receiving, at the non-browser based application, user authentication information, wherein the non-browser based application stored on the mobile device receives the user authentication information via the mobile device display of the mobile device and further wherein the user authentication information includes biometric data;

    upon receipt of the user authentication information, authenticating, at the mobile device, a user associated with the user authentication information before the NFC transaction;

    executing the secure element application by the NFC processor in response to a near field communication inductive signal by an NFC terminal; and

    transmitting, using the secure element application, the identification code via the second communication channel to the NFC terminal, wherein the identification code is transmitted to a server for processing the near field communication transaction using a payment method that corresponds to the identification code.

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