Induction based transaction at a transaction server

• US 9,836,731 B2
• Filed: 04/14/2015
• Issued: 12/05/2017
• 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:
  US14/686,695
• Publication Number:
  US 20150310420A1
• Time in Patent Office: 966 Days
• Field of Search: 455 411, 455406-410, 4555561, 455558, 705 16, 705 18, 705 30, 705 40, 705 41, 705 44, 705 64, 235375-385, 235451, 235462, 235492
• 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 processing a Near Field Communication (NFC) transaction, the method comprising:

receiving, at a transaction server, transaction information including a payment method from a management server, wherein the payment method corresponds to an identification code received by the management server from an NFC terminal and further wherein the identification code is received by the NFC terminal from a secure element memory in response to an NFC inductive signal by the NFC terminal which triggers an NFC processor to execute a secure element application and transfer, via an NFC transceiver, the identification code from the secure element memory to the NFC terminal using the secure element application, wherein the NFC processor, the secure element memory, and the NFC transceiver are included in a secure element permanently embedded within the body of a mobile device, the mobile device comprising a mobile device processor, mobile device memory storing a non-browser based mobile application with a graphical user interface, and mobile device transceiver, wherein the mobile device processor, the mobile device memory, and the mobile device transceiver are separate from the secure element; and

processing the NFC transaction at the transaction server using the payment method; and

after the NFC transaction has processed, sending a transaction verification to the management server, wherein the transaction verification indicates that the NFC transaction has processed.

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

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

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

6. The method of claim 1, further wherein, after the NFC transaction has processed, a digital artifact is delivered from the management server to the non-browser based mobile application stored on the mobile device for display by the non-browser based mobile application.

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

8. The method of claim 6, wherein the digital artifact is available for use by the non-browser based mobile application stored on the mobile device when there is no network connection.

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

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

19. The method of claim 1, wherein the transaction server receives the transaction information including the payment method from the management server based on the management server associating information related to the transaction server with information related to the identification code.

21. The method of claim 6, further wherein the, non-browser based mobile application sends an alert to the management server if it has not received the digital artifact within a certain period of time.

22. The method of claim 8, wherein the non-browser based mobile application monitors for network availability and automatically reconnects to the management server when the network is available.

23. The method of claim 6, further wherein the management server sends the digital artifact to the non-browser based mobile application based on the geographical location of the mobile device.

2. A transaction server for processing a Near Field Communication (NFC) transaction, the server comprising:

a transaction server memory;

a transaction server interface coupled to the server memory, the server interface operable to

receive transaction information including a payment method from a management server, wherein the payment method corresponds to an identification code received by the management server from an NFC terminal and further wherein the identification code is received by the NFC terminal from a secure element memory in response to an NFC inductive signal by the NFC terminal which triggers an NFC processor to execute a secure element application and transfer, via an NFC transceiver, the identification code from the secure element memory to the NFC terminal using the secure element application, wherein the NFC processor, the secure element memory, and the NFC transceiver are included in a secure element permanently embedded within the body of a mobile device, the mobile device comprising a mobile device processor, mobile device memory, and mobile device transceiver which are separate from the secure element, wherein the mobile device processor, the mobile device memory storing a non-browser based mobile application with a graphical user interface, and the mobile device transceiver are separate from the secure element; and

after the NFC transaction has processed, send a transaction verification to the management server, wherein the transaction verification indicates that the NFC transaction has processed; and

a transaction server processor configured to process the NFC transaction using the transaction information including the payment method.

10. The transaction server of claim 2, wherein the payment method is a credit card.

11. The transaction server of claim 2, wherein the payment method is a debit card.

12. The transaction server of claim 2, further comprising applying a coupon during a near field communication interaction between the secure element and the NFC terminal transaction.

13. The transaction server of claim 2, further wherein, after the NFC transaction has processed, a digital artifact is delivered from the management server to the non-browser based mobile application stored on the mobile device for display by the non-browser based mobile application.

14. The transaction server of claim 13, wherein the digital artifact comprises an advertisement, receipt, ticket, coupon, media, metadata and/or content.

15. The transaction server of claim 13, wherein the digital artifact is available for use by the non-browser based mobile application stored on the mobile device when there is no network connection.

16. The transaction server of claim 2, further wherein data stored on the mobile device is encrypted using a mobile operating system native to the mobile device.

18. The transaction server of claim 2, wherein the payment method is a cash card.

20. The transaction server of claim 2, wherein the transaction server receives the transaction information including the payment method from the management server based on the management server associating information related to the transaction server with information to related the identification code.

24. The transaction server of claim 13, further wherein the, non-browser based mobile application sends an alert to the management server if it has not received the digital artifact within a certain period of time.

25. The transaction server of claim 15, wherein the non-browser based mobile application monitors for network availability and automatically reconnects to the management server when the network is available.

26. The transaction server of claim 13, further wherein the management server sends the digital artifact to the non-browser based mobile application based on the geographical location of the mobile device.