US20150213436A1 - Charge-for-service near field communication transactions - Google Patents
Charge-for-service near field communication transactions Download PDFInfo
- Publication number
- US20150213436A1 US20150213436A1 US14/681,900 US201514681900A US2015213436A1 US 20150213436 A1 US20150213436 A1 US 20150213436A1 US 201514681900 A US201514681900 A US 201514681900A US 2015213436 A1 US2015213436 A1 US 2015213436A1
- Authority
- US
- United States
- Prior art keywords
- payment
- nfc
- user device
- value item
- receiving
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Abandoned
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/327—Short range or proximity payments by means of M-devices
- G06Q20/3278—RFID or NFC payments by means of M-devices
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W12/00—Security arrangements; Authentication; Protecting privacy or anonymity
- H04W12/06—Authentication
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/223—Payment schemes or models based on the use of peer-to-peer networks
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
- G06Q20/322—Aspects of commerce using mobile devices [M-devices]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3821—Electronic credentials
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
- G06Q20/3829—Payment protocols; Details thereof insuring higher security of transaction involving key management
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—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
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—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
- G06Q20/401—Transaction verification
- G06Q20/4012—Verifying personal identification numbers [PIN]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q20/425—Confirmation, e.g. check or permission by the legal debtor of payment using two different networks, one for transaction and one for security confirmation
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07F—COIN-FREED OR LIKE APPARATUS
- G07F17/00—Coin-freed apparatus for hiring articles; Coin-freed facilities or services
- G07F17/32—Coin-freed apparatus for hiring articles; Coin-freed facilities or services for games, toys, sports, or amusements
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04B—TRANSMISSION
- H04B5/00—Near-field transmission systems, e.g. inductive loop type
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L67/00—Network arrangements or protocols for supporting network services or applications
- H04L67/01—Protocols
- H04L67/04—Protocols specially adapted for terminals or networks with limited capabilities; specially adapted for terminal portability
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/50—Service provisioning or reconfiguring
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04W—WIRELESS COMMUNICATION NETWORKS
- H04W4/00—Services specially adapted for wireless communication networks; Facilities therefor
- H04W4/80—Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
-
- H—ELECTRICITY
- H04—ELECTRIC COMMUNICATION TECHNIQUE
- H04L—TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
- H04L63/00—Network architectures or network communication protocols for network security
- H04L63/06—Network architectures or network communication protocols for network security for supporting key management in a packet data network
Definitions
- the present disclosure relates generally to financial transactions, and more particularly, to making peer-to-peer payments for services between mobile devices using near field communication (NFC) in a network environment.
- NFC near field communication
- mobile phones are currently the most widespread mobile computing device in the world. They have become ubiquitous companions in our life, enabling communication nearly anytime and anywhere to facilitate information access to mobile services and the Internet.
- mobile phones have become multimedia computing platforms with integral digital cameras for taking pictures and video, playing music, recording conversations, and for organizing our lives.
- Augmentation of the environment enables physical mobile interactions, which involve a user, a mobile device, and a physical object or another mobile device.
- the object is augmented with some kind of technology and subsequently stores information,
- the information is typically associated with a mobile service that might be triggered through an interaction with the physical object.
- Physical mobile interactions make it possible to bridge the gap between the physical and virtual world.
- communication technologies are required.
- Radio Frequency Identification is another technology that has been easily integrated into mobile devices, such as cellular telephones, personal digital assistants (PDAs), or computers.
- RFID works with both active communication devices (transceivers or read-write devices) and passive non-powered tags (transponders).
- the tags are relatively small, inexpensive, and can store information, making them suitable for augmenting physical objects unobtrusively.
- the transponder is attached to objects that are to be identified and contains information, such as product price or vehicle identification, for example.
- the transceiver device emits an electromagnetic signal that activates the tag and enables the transceiver to read the tag's information and/or to alter it, assuming the tag is re-writeable.
- the transceiver is in communication with a computer or similar device to which the information is passed.
- NFC Near Field Communication
- NFC is a short range, high frequency, wireless communication technology that enables the exchange of data between devices over a relatively short distance, viz., 0-20 cm.
- NFC is based on RFID technology and uses many of the same working principles. The technology is standardized in ISO/IEC 18092 (International Organization for Standardization/International Electrotechnical Commission), ECMA-340 (European association for standardizing information and communication systems), and ETSI 102.190 (European Telecommunications Standards Institute). All of these standards define the NFC Interface and Protocol-1 (NFCIP-1), see FIG. 1 , which specify the modulation schemes, coding, transfer speeds and frame format of the RF interface of NFC devices, as well as initialization schemes and conditions required for data collision-control during initialization for both passive and active NFC modes.
- NFCIP-1 NFC Interface and Protocol-1
- NFC is also standardized in ISO/IEC 21481 and ECMA 352, which corresponds to NFC Interface and Protocal-2 (NFCIP-2).
- the NFCIP-2 standard specifies the mechanism to detect and select one communication mode out of three possible communication modes typical of NFC devices (Peer-to-Peer, Read/Write Card, and Card Emulation), as further shown in FIG. 1 .
- NFC is compatible with ISO/IEC 14443 type A and type B (proximity cards operating at a maximum distance of 20 cm), ISO/IEC 15693 (vicinity cards operating at a distance from 10 cm to 2 m) and to the FeliCa contactless smart card system. Accordingly, an NFC device can communicate with both existing ISO 14443 smartcards and readers, as well as with other NFC devices, and is compatible with existing contactless infrastructure already in use for, among other things, public transportation, payment, and promotion/advertising.
- NFC devices As discussed above and illustrated in FIG. 1 , a key feature of NFC devices is that the NFC chip that is integrated into the NFC device can read out an RFID tag's information, emulate a smart card so that a reader can access its data, or communicate directly with another NFC device in peer-to-peer fashion when the two NFC enabled devices are brought into direct contact or in very close proximity to each other.
- NFC technology enables communication between devices that both have active power and computing capabilities, as well as communication between powered devices and passive tags.
- the NFC device For operating in Reader Mode, it is sufficient to hold the NFC device near a compatible tag that stores some information (typically 1 Kb-4 kb). This information could be, for example, a bookmark of a company website in the company advertising poster, a timetable of a bus near a bus stop, some tourist information beside works of art near a museum, or the like.
- peer-to-peer communication mode it is possible, for example, to synchronize calendars between two NFC PDAs, or to set up networks (Bluetooth, Wi-Fi, or the like) simply by holding the two NFC devices in close proximity to each other.
- the NFC device can host virtual payment cards and enable the user to make payments. For example, it is possible to buy a travel ticket while providing management of associated customer loyalty and bonus programs.
- card emulation mode it is also possible to control access, i.e., the NFC device acts as a key.
- the present disclosure describes an activation and authorization process that may provide security features, as well as check NFC device compatibility and pre-configure the device accordingly.
- NFC technology application is financial transactions.
- a consumer taps the NFC device on a reader to effect a monetary transfer.
- a retailer enters the total amount due, and the consumer taps the NFC device on the reader, which causes payment details to be sent to the consumer's financial institution.
- the consumer and retailer receive payment confirmation.
- PayPass is an example of this type of method.
- this method is limited in that the transfer is with a retailer at a POS terminal or reader. Further, the consumer NFC device simply authorizes a money transfer based on the POS terminal.
- a method for purchasing a value item such as a music download, using near field communication (NFC) includes placing a NFC enabled data communication device of a purchaser of the item in close proximity to a NFC enabled data communication device of a seller of the item, the devices being interoperable to establish a NFC communication link between the devices when placed in close proximity to each other, transferring the value item, together with a request for payment for the item, from the seller's device to the buyer's device via the NFC link, and transmitting the payment request, together a buyer's authorization for the payment, to a third party service provider via a network and thereby causing the service provider to transfer money in an amount equal to the purchase price of the item from a funding account of the buyer to a receiving account of the seller.
- NFC near field communication
- FIG. 1 shows that an NFC enabled device can read out an RFID tag's information, emulate a smart card so that a reader can access its data, or communicate directly with another NFC device in peer-to-peer fashion when the two NFC devices are brought in direct contact or in very close proximity to each other.
- FIGS. 2 and 3 show the establishment of a Bluetooth or a similar short range wireless communication between two computers using NFC.
- FIG. 4 shows the use of an NFC enabled computer (PC) and NFC enabled mobile phone to download a game application from a website directly into the mobile phone.
- PC NFC enabled computer
- FIG. 5 shows an example of NFC devices communicating consumer account information via radio frequency (RF) to a retailer's payment terminal.
- RF radio frequency
- FIG. 6 shows a system and method for enabling a peer-to-peer financial transaction between mobile devices using near field communication in a network environment in accordance with one embodiment.
- FIG. 7 shows application(s) activation in accordance with one embodiment.
- FIGS. 8A and 8B respectively illustrate a typical “known” request for money and a contrasting request for money in a peer-to-peer financial transaction between mobile devices using near field communication in a network environment in accordance with one embodiment of the present invention.
- FIG. 9 shows examples of various interface screens that be applicable to the a sender's mobile device and/or a recipient's mobile device for conducting a peer-to-peer financial transaction between mobile devices using near field communication in a network environment in accordance with one embodiment.
- NFC is a short-range wireless connectivity technology that evolved from a combination of existing contactless identification and interconnection technologies. Operating at 13.56 MHz via magnetic field induction (i.e., two loop antennas are located within each other's near field) and transferring data at up to 424 Kbits/second, NFC provides simple communication between electronic devices over relatively short distances, viz., 0-20 cm. This means that no restrictions are applied and no licenses are required for use of the NFC devices in the RF band. NFC is both a “read” and “write” technology. Furthermore, combining the read and write modes in more than two mobile devices enables a third peer-to-peer mode by alternating between read and write modes.
- NFC-enabled transactions are relatively secure.
- applications may use higher layer cryptographic protocols, such as TLS, SS, or the like.
- the NFC interface and protocols primarily target consumer electronics users that will be able to use the secure means of communication between various devices without exerting much effort in configuring their “network”.
- Communication between two NFC-compatible devices occurs when they are brought in close proximity with a wave or touch of the two device(s). This action causes the respective NFC wireless interfaces of the two devices to engage and configure the devices to link up in a peer-to-peer network, enabling the automated and transparent establishment of a network connection between the devices.
- the NFC communication protocol distinguishes between an Initiator device and a Target device of the NFC network communication. Any device may be either an Initiator or a Target.
- the Initiator as indicated by the name, is the device that initiates and controls the exchange of data.
- the Target is the device that answers a request for data from the Initiator.
- a device may also be both initiator and target, as described in the peer-to-peer mode above.
- the NFC protocol further distinguishes between two modes of operation, viz., an Active mode and a Passive mode. All devices support both communication modes. In the active mode of communication, both devices, i.e., both the Initiator and the Target, generate their own RF field to carry the data. In the passive mode of communication, only one device (the Initiator) generates the RF field while the other device (the Target) uses load modulation to transfer the data. This can be an important consideration for battery-powered devices, since the conservation of battery power is generally a high priority. As such, the protocol enables a device, such as a mobile phone, to operate in a power-saving mode (passive mode of NFC communication).
- the passive mode does not require both devices to generate the RF field and enables a complete communication to be powered from one side only. (The device still needs to be powered internally, but does not have to “waste” the battery on powering the RF communication interface.)
- NFC overcomes this difficulty, as once the configuration data has been exchanged using NFC, the devices can then easily setup and continue to communicate over a greater range and using faster protocols, such as Bluetooth or Wireless Ethernet (Wi-Fi).
- NFC may be used as a first step in establishing, e.g., a Bluetooth communication link by simply touching, or “tapping” one of the two devices against the other, or by bringing the two devices into close proximity to each other. By touching the devices at a “hotspot,” they can automatically open a data connection link to exchange the parameters of the Bluetooth communication and thereby seamlessly establish a secret key without any further action being required on the part of the user.
- the devices can then be moved away from each other in a second step as communication between the devices continues using the session of Bluetooth that was previously established.
- Substantially the same NFC procedure may be used to establish a wireless (e.g., Bluetooth, Wi-Fi, or the like) connection with a variety of devices, from mobile phones that enable payment or transfer of information to digital cameras that send their photos to a television set with just a touch.
- a wireless e.g., Bluetooth, Wi-Fi, or the like
- a game application may be downloaded from a website directly into the mobile phone from the PC.
- NFC capabilities further include information access via a “smart poster” application.
- the user taps an NFC enabled mobile phone to a tag embedded in a poster or similar object, which then triggers the transmission of a uniform resource locator (URL) to the phone.
- the URL could be used, for example, to direct a user to a website at which the user can gather information or download a special coupon or token.
- NFC applications include mobile cell phones, cards, or key fobs that have a built-in integrated circuit (IC) microchip and antenna.
- the chip is able to emulate contactless smart cards.
- Consumers can use the NFC device to communicate consumer account information via radio frequency to the retailer's payment terminal, such as the VIVO pay line of contactless payment systems manufactured by VIVOtech.
- the payment terminal then connects to the appropriate financial networks or other back-end processing system to authorize the transaction. Once authorized, the consumer completes the transaction and receives payment confirmation.
- Mobile cell phones or “wallet phones” may include a prepaid wallet that can be used for making mobile payments. Users interact with readers at point of sale (POS) terminals or cash machines to recharge the wallet and access control systems located there, for example, ticketing and reservation systems at train stations, airports, hotels, and the like, using the wallet phone to make purchases.
- POS point of sale
- access control systems located there, for example, ticketing and reservation systems at train stations, airports, hotels, and the like, using the wallet phone to make purchases.
- FIG. 6 illustrates an example embodiment of a system and method for enabling a peer-to-peer financial transaction between mobile devices using near field communication in a network environment in accordance with this invention.
- the system and method for enabling a peer-to-peer financial transaction between mobile devices 100 may include a first NFC enabled mobile device 105 and a second NFC enabled mobile device 110 , a network 115 to enable connectivity between entities/elements and the flow of information, and a third party payment provider system 120 (PPS) for, among other things, payment processing (verification, authorization and confirmation) of the financial transaction between the mobile devices 105 and 110 , as well as the debiting and crediting of appropriate accounts respectively associated with each of the users 140 and 145 thereof.
- PPS third party payment provider system
- mobile device is a broad term and may include, but is not limited to, cell phones, personal digital assistants (PDAs), smart phones, key fobs, smartcards, computers or PCs, or similar type of augmented objects or devices.
- PDAs personal digital assistants
- smart phones smart phones
- key fobs smartcards
- computers or PCs or similar type of augmented objects or devices.
- Each of the mobile devices 105 and 110 are NFC enabled and may include, among other things, a user identifier 125 , an NFC service application 126 , a network communication application 127 , and other applications 128 , including a payment provider application, a browser application, a toolbar application, and the like, as may be necessary to enable NFC communication between the mobile devices 105 , 100 and the payment provider system 120 via the network 115 .
- the NFC service application 126 provides those features that generally enable NFC communication between NFC enabled devices, but may also enable the user to activate various multimedia features, as well as to effect financial transactions via icon linked applications, such as “send money,” “request money,” “send contact information,” “acquire contact information,” and the like.
- the payment provider application provides those features that generally enable the mobile device 105 and 110 to communicate with the payment provider system 120 , but may also enable the user to activate various multimedia features, as well as to effect financial transactions via icon linked applications, such as “send money,” “request money,” “send contact information,” “acquire contact information,” and the like.
- the network 115 may be implemented as a single network or a combination of multiple networks.
- the network may include the Internet and/one or more intranets, landline networks, wireless networks, and/or other appropriate types of communication networks.
- the network may comprise a wireless telecommunications network (e.g., cellular phone network) adapted to communicate with other communication networks, such as the Internet.
- the payment provider system 120 may include, among other things, a server identifier 130 , a payment processing application 131 , and an account database 132 having account information 133 and other databases 134 , as may be required to enable payment processing between the mobile devices 105 and 110 .
- a financial transaction between the mobile devices 105 and 110 may include the transfer or sending of money from the first mobile device 105 (sender) to the second mobile device 110 (recipient).
- preconditions for the successful completion of the transfer of money between mobile devices 105 and 110 include the assumptions that the first mobile device 105 and the second mobile device 110 are NFC enabled; that a payment provider service application 126 , NFC service application, or bundled application is present on the sender's 140 mobile device 105 ; and, that at least the sender 140 has a previously established payment provider account 132 .
- the application(s) setup may be facilitated over-the-air (OTA), wherein, depending on implementation, an OTA application/software download can be initiated upon an action, such as a call to the payment provider system 120 or other dialable service, or can be performed automatically when visiting a service site.
- OTA over-the-air
- the application(s) setup may be facilitated by using another NFC chip, wherein, for example, a pre-loaded NFC card issued by the payment provider system 120 or other entity may be pre-loaded with a basic application, account information, URL, and the like, such that, when touched to an NFC enabled mobile device, the information is transferred to the mobile device to permit access to an OTA site where the application/software download can be effected.
- a pre-loaded NFC card issued by the payment provider system 120 or other entity may be pre-loaded with a basic application, account information, URL, and the like, such that, when touched to an NFC enabled mobile device, the information is transferred to the mobile device to permit access to an OTA site where the application/software download can be effected.
- an initial payment provider application activation process may be required to be completed prior to utilizing the application(s) 126 - 129 for the first time.
- application(s) activation may begin with the user entering login information, such as a phone number, pin number, email address and/or password, and the like, in the mobile device 105 , 110 .
- the application forwards the information and a public key (unique identifier) 125 based on the NFC mobile device's chip to the payment provider system 120 .
- network connectivity for the communication of voice and/data between the mobile device 105 , 110 and the payment provider e.g., PayPal.
- a Short Message Service (SMS) text message to the mobile device is then communicated from the payment provider system 120 may be facilitated by an HTTPS (Hyper Text Transfer Protocol Secure) connection over a general packet radio service (GPRS).
- GPRS is a packet based wireless communication service that offers continuous connection to the Internet or other network 115 for mobile phone and computer users.
- GPRS is based on GSM (Global System for Mobile Communication) and complements existing services such as circuit switched cellular phone connections and the Short Message Service (SMS), i.e., text message.
- GSM Global System for Mobile Communication
- SMS Short Message Service
- the service provider system 120 In response to receiving the user's information and unique identifier, the service provider system 120 sends packet information to the mobile device 105 , 110 .
- the packet information from the payment provider system 120 to the mobile device may include data relating to country, currency, language, activation code and/or security keys.
- a corresponding code generated by the application is then communicated back to the payment provider system 120 from the mobile device 105 , 110 .
- such a back-and-forth communication or “handshake” between the mobile device 105 , 110 and the payment provider system 120 allows for user and/or system verification, authorization, and compatibility check to complete the application(s) activation process.
- the users 140 , 145 are then notified that the application is activated.
- Packet information previously sent from the payment provider system 120 to the mobile device 105 , 110 is stored on the chipset for future use when activating the application(s) 126 - 129 .
- the payment provider system 120 may further communicate a short welcome text message to the mobile device 105 , 110 .
- the mobile device 105 may be a cell phone in which activation may occur upon opening the mobile device 105 .
- access or activation of the mobile device 105 will likewise activate one or more of the applications.
- the sender 140 may be required to touch a feature (e.g., an icon, pushbutton, or the like) on the mobile device 105 to access and activate one or more of the application(s).
- activation of one or more of the applications may occur upon “tapping” or bringing the mobile device 105 in close proximity with another NFC enabled device.
- the sender 140 may be presented with menu options for enabling various functions, including those associated with, for example, multimedia features (e.g., music, video, games, and the like), user contact information, and those relating to financial transactions, such as “request money,” “send money,” and the like.
- multimedia features e.g., music, video, games, and the like
- user contact information e.g., user contact information
- financial transactions such as “request money,” “send money,” and the like.
- the sender 140 may then choose the desired function from the menu options, for example, “send money” in the case of a proposed money transfer between the mobile devices 105 and 110 .
- the sender 140 may be asked to enter, in no particular order, funding particulars, including a funding source (e.g., MC, VISA, AMEX, Citibank, PPS account, or other funding source account), the amount of money to be sent, and login information (PIN, pass code, password, or the like).
- a funding source e.g., MC, VISA, AMEX, Citibank, PPS account, or other funding source account
- login information PIN, pass code, password, or the like.
- preset default settings may be enabled.
- the sender 140 may be presented with the opportunity to review and edit the payment choices prior to communicating the payment request to the payment provider system 120 .
- the recipient 145 may, like the sender 140 , be presented with various menu options for enabling various functions, including those associated with multimedia features (e.g., music, video, games, and the like), user contact information, and those relating to financial transactions, such as “request money,” “send money,” and the like.
- the recipient 140 of the intended money transfer may then choose the desired function from, for example, “receive money” or “ready, wait”(a default setting having implications of what is being shared) in the case of the above described proposed money transfer between the mobile devices 105 and 110 .
- the recipient implicitly/explicitly agrees to provide certain designated information, such as email address, phone number, receiving account information, and the like, to facilitate funding by the payment provider system 120 to the designated recipient account, digital wallet (phone), or email address where funds may be deposited or acquired.
- certain designated information such as email address, phone number, receiving account information, and the like
- the sender 140 may then simply touch or “tap” the NFC enabled mobile device 110 of the recipient 145 with the sender's mobile device 105 to effect the transfer of the designated recipient information from the recipient' mobile device 110 to the sender's mobile device 105 via NFC.
- recipient information may be acquired prior to selecting the funding source and/or the amount of money to be sent by the sender 140 .
- the acquisition of recipient information may automatically activate the “send money” function on the sender's mobile device 105 , thereby presenting the menu options for enabling various functions, including those relating to financial transactions, as described above.
- the sender's payment request is then automatically communicated (submitted) to the payment provider system 120 for processing, including, among others, verification, authorization, distribution, and confirmation thereof.
- the sender 140 may be provided with an opportunity to review the payment request information prior to its submission to the payment provider system 120 .
- the payment provider system may communicate a corresponding SMS notification, i.e., successful transfer of funds, successful deposit of funds, amount of transfer or deposit, or some other related message informing the sender 140 and/or the recipient 145 of the payment processing results, such as by way of an email, phone call, or a multimedia messaging service (MMS) message.
- SMS notification i.e., successful transfer of funds, successful deposit of funds, amount of transfer or deposit, or some other related message informing the sender 140 and/or the recipient 145 of the payment processing results, such as by way of an email, phone call, or a multimedia messaging service (MMS) message.
- Sender 140 and/or recipient 145 notifications may further include an audible and/or a visible and/or a tactile indication, such as a vibration in the respective devices.
- contact information of the transfer is communicated directly via NFC from the recipient's mobile device 110 to the sender's mobile device 105 .
- Payment review is done via NFC from the sender's mobile device 105 to the recipient's mobile device 110 showing the conditions of the financial transaction.
- the payment request is communicated OTA to the payment provider system 120 in real-time, while notifications and confirmations are communicated to the sender's mobile device 105 and the recipient's mobile device 110 via SMS and/or MMS and/or other form of sensible indicators.
- peer-to-peer payment between mobile devices 105 and 110 may be facilitated using near field communication in a network environment.
- objects such as mobile devices 105 and 110
- Such transactions include the payment for goods, receiving money, transferring money, and transferring and receiving user information.
- a financial transaction may include a “one-tap” process between NFC enabled mobile devices 105 and 110 in which a single “tap” between the mobile devices communicates contact information (e.g., cell phone number or email address), and then communicates the payment request to the payment provider system if the payment amount was previously entered.
- contact information e.g., cell phone number or email address
- a financial transaction may comprise a two step or “two-tap” process between NFC enabled mobile devices 105 and 110 in which a first “tap” between the devices communicates contact information (e.g., cell phone number or email address), as above, and a second “tap” between the devices communicates the payment request to the payment provider system 120 .
- contact information e.g., cell phone number or email address
- the sender 140 may be given the opportunity to review and edit certain of the details of the transaction, e.g., payment amount, funding account, after effecting the first tap and before effecting the second.
- the systems and methods for payment between mobile devices 105 and 110 using near field communication in a network environment may be utilized to facilitate an “open loop” financial transaction in which a one-time virtual credit card or debit account is issued by the payment provider system 120 and used by a merchant so that the user and merchant view the process as a standard financial transaction.
- the systems and methods for payment between mobile devices 105 and 110 using near field communication in a network environment may be utilized to facilitate a “closed loop” financial transaction in which the payment provider system 120 provides POS terminals for merchants.
- the payment provider system 120 provides POS terminals for merchants.
- a user can “tap” his or her mobile device 105 on the POS terminal to pay for merchandise and the merchant may be paid directly through the payment provider system 120 .
- FIGS. 8A and 8B respectively illustrate a typical “known” type of request for money and a contrasting request for money in a peer-to-peer or “face-to-face” financial transaction between mobile devices using near field communication in a network environment in accordance with one embodiment of the present invention.
- a money request utilizing NFC may, as illustrated in FIG. 8B , include a first step of (1) the recipient sending a request for money to the sender via NFC, a second step of (2) the sender authorizing payment with the payment provider system via an OTA transmission, and a third step of (3) the payment provider system notifying the recipient of the transfer of funds, as illustrated in FIG. 8B .
- the sender by communicating information via NFC, the sender only needs to enter a PIN to approve payment with the payment provider system.
- a “charge for a service” may be conducted in a peer-to-peer financial transaction between mobile devices using near field communication in a network environment in accordance with one embodiment.
- downloadable data content for example, a music download or a computer game
- the sender's mobile device may be communicated to the sender's mobile device along with a money request of a specified amount for the downloaded item from the recipient's mobile device via an NFC link. If the sender agrees to the purchase of or the sending of money for the music download, the process would then continue with steps (2) and (3) substantially as described above.
- the recipient-seller may send a value item (e.g., a locked music file) along with a payment request to the sender-buyer via an NFC link between the respective NFC enabled devices of the recipient and the sender initiated by, e.g., a single a “tap” between the devices. If the sender does not agree to purchase the item, the transaction is terminated, and the value item remains locked or unusable by the user.
- a value item e.g., a locked music file
- the sender sends the payment request, along with the sender's authorization to make the payment, to a third party service provider, e.g., PayPal, which can be effected by a second tap between the respective devices, or alternatively, by a direct OTA communication by the sender with the third party provider.
- a third party service provider e.g., PayPal
- the third party provider then makes the payment authorized by the sender and sends a message confirming the transaction to the sender and the recipient.
- the NFC devices may connect to the Internet to effect the money portion of the transaction.
- additional information can be transferred along with the payment information, such as user IDs, telephone numbers, account numbers, avatars, icons, and the like.
- the users are notified thereof, such as with an audio and/or visual indication and/or a tactile message, e.g., a vibration of the respective recipient and sender devices.
- the value item may then be unlocked, e.g., by receipt of the confirmation message itself, or by the separate transmission of a digital “key” from the recipient to the sender, so that the value item can be then be used or accessed by the sender.
- an “offer of sale” of the item i.e., a payment request alone, may be transmitted to the sender via a first tap between the respective NFC devices of the sender and recipient, and upon acceptance of the offer by the sender, transmission of the payment request and authorization therefor to the third party provider, and receipt of confirmation of the success of the transaction by the recipient, a transmission of the subject “goods,” i.e., the music or game (in an unlocked state), from the recipient to the sender via an NFC link between their respective devices can then be initiated by, e.g, a second tap between the devices.
- a swap meet or a flea market scenario in which the goods are not a downloadable type, e.g., a stereo or a TV the recipient may simply hand the goods over to the sender upon receipt of confirmation of the transaction.
- a downloadable type e.g., a stereo or a TV
- the recipient may simply hand the goods over to the sender upon receipt of confirmation of the transaction.
- FIG. 9 shows examples of various interface screens that can be displayed on a sender's and/or a recipient's mobile device for conducting a peer-to-peer financial transaction between two mobile devices using near field communication in a network environment in accordance with one embodiment of the present disclosure.
Abstract
A method for purchasing a value item using near field communication (NFC) includes placing a NFC enabled data communication device of a buyer of the item in close proximity to a NFC enabled data communication device of a seller of the item, the devices being interoperable to establish a NFC communication link between the devices when placed in close proximity to each other, transferring a request for payment for the item from the seller's device to the buyer's device via the NFC link, and transmitting the payment request, together a buyer's authorization therefor, to a third party service provider via a network. In response to receipt of the transmission, the service provider transfers money in an amount equal to the purchase price of the item from a funding account of the buyer to a receiving account of the seller, and optionally, can send the parties a message confirming the transfer.
Description
- This application is a continuation of U.S. patent application Ser. No. 12/242,667, filed Sep. 30, 2008, which claims benefit of U.S. Prov. App. Nos. 61/024,758, filed Jan. 30, 2008, and 61/034,890, filed Mar. 7, 2008, the entire disclosure of each of which is incorporated herein by reference.
- 1. Field of the Invention
- The present disclosure relates generally to financial transactions, and more particularly, to making peer-to-peer payments for services between mobile devices using near field communication (NFC) in a network environment.
- 2. Related Art
- Arguably, mobile phones are currently the most widespread mobile computing device in the world. They have become ubiquitous companions in our life, enabling communication nearly anytime and anywhere to facilitate information access to mobile services and the Internet. In addition, mobile phones have become multimedia computing platforms with integral digital cameras for taking pictures and video, playing music, recording conversations, and for organizing our lives.
- Using physical objects as entry points to data and services can ease mobile communication and information access. Augmentation of the environment enables physical mobile interactions, which involve a user, a mobile device, and a physical object or another mobile device. The object is augmented with some kind of technology and subsequently stores information, The information is typically associated with a mobile service that might be triggered through an interaction with the physical object. Physical mobile interactions make it possible to bridge the gap between the physical and virtual world. In order to support communication between the mobile device and the augmented object, communication technologies are required.
- Different short-range communication technologies have been integrated into mobile devices in recent years. The process began with infrared transceivers for synchronizing applications with a desktop computer. Bluetooth technology evolved and overcame some of the problems experienced with infrared. However, when attempting to connect two devices with Bluetooth, the setup is often lengthy and is very often not user-friendly.
- Radio Frequency Identification (RFID) is another technology that has been easily integrated into mobile devices, such as cellular telephones, personal digital assistants (PDAs), or computers. RFID works with both active communication devices (transceivers or read-write devices) and passive non-powered tags (transponders). The tags are relatively small, inexpensive, and can store information, making them suitable for augmenting physical objects unobtrusively. The transponder is attached to objects that are to be identified and contains information, such as product price or vehicle identification, for example. The transceiver device emits an electromagnetic signal that activates the tag and enables the transceiver to read the tag's information and/or to alter it, assuming the tag is re-writeable. Usually, the transceiver is in communication with a computer or similar device to which the information is passed.
- Near Field Communication, herein referred to as “NFC,” is the most recently explored technology for object augmentation to bring mobile devices and physical objects together to enable a user to interact with the augmented objects for information and/or data communication.
- In this regard, NFC is a short range, high frequency, wireless communication technology that enables the exchange of data between devices over a relatively short distance, viz., 0-20 cm. NFC is based on RFID technology and uses many of the same working principles. The technology is standardized in ISO/IEC 18092 (International Organization for Standardization/International Electrotechnical Commission), ECMA-340 (European association for standardizing information and communication systems), and ETSI 102.190 (European Telecommunications Standards Institute). All of these standards define the NFC Interface and Protocol-1 (NFCIP-1), see
FIG. 1 , which specify the modulation schemes, coding, transfer speeds and frame format of the RF interface of NFC devices, as well as initialization schemes and conditions required for data collision-control during initialization for both passive and active NFC modes. - NFC is also standardized in ISO/IEC 21481 and ECMA 352, which corresponds to NFC Interface and Protocal-2 (NFCIP-2). The NFCIP-2 standard specifies the mechanism to detect and select one communication mode out of three possible communication modes typical of NFC devices (Peer-to-Peer, Read/Write Card, and Card Emulation), as further shown in
FIG. 1 . - NFC is compatible with ISO/IEC 14443 type A and type B (proximity cards operating at a maximum distance of 20 cm), ISO/IEC 15693 (vicinity cards operating at a distance from 10 cm to 2 m) and to the FeliCa contactless smart card system. Accordingly, an NFC device can communicate with both existing ISO 14443 smartcards and readers, as well as with other NFC devices, and is compatible with existing contactless infrastructure already in use for, among other things, public transportation, payment, and promotion/advertising.
- As discussed above and illustrated in
FIG. 1 , a key feature of NFC devices is that the NFC chip that is integrated into the NFC device can read out an RFID tag's information, emulate a smart card so that a reader can access its data, or communicate directly with another NFC device in peer-to-peer fashion when the two NFC enabled devices are brought into direct contact or in very close proximity to each other. In other words, NFC technology enables communication between devices that both have active power and computing capabilities, as well as communication between powered devices and passive tags. - For operating in Reader Mode, it is sufficient to hold the NFC device near a compatible tag that stores some information (typically 1 Kb-4 kb). This information could be, for example, a bookmark of a company website in the company advertising poster, a timetable of a bus near a bus stop, some tourist information beside works of art near a museum, or the like. With peer-to-peer communication mode, it is possible, for example, to synchronize calendars between two NFC PDAs, or to set up networks (Bluetooth, Wi-Fi, or the like) simply by holding the two NFC devices in close proximity to each other. In card emulation mode, the NFC device can host virtual payment cards and enable the user to make payments. For example, it is possible to buy a travel ticket while providing management of associated customer loyalty and bonus programs. In card emulation mode, it is also possible to control access, i.e., the NFC device acts as a key.
- Prior to utilizing many known NFC devices for the first time, some sort of preoperationally process is typically required. In this regard, the present disclosure describes an activation and authorization process that may provide security features, as well as check NFC device compatibility and pre-configure the device accordingly.
- One example of an NFC technology application is financial transactions. A consumer taps the NFC device on a reader to effect a monetary transfer. Typically, a retailer enters the total amount due, and the consumer taps the NFC device on the reader, which causes payment details to be sent to the consumer's financial institution. Very shortly after, the consumer and retailer receive payment confirmation. Such a method provides advantages such as eliminating the need to carry cash and enabling a faster financial transaction. PayPass is an example of this type of method. However, this method is limited in that the transfer is with a retailer at a POS terminal or reader. Further, the consumer NFC device simply authorizes a money transfer based on the POS terminal.
- For purposes of summarizing the disclosure, exemplary embodiments of peer-to-peer payments between mobile devices using near field communication in a network environment are described herein.
- In one embodiment, a method for purchasing a value item, such as a music download, using near field communication (NFC) includes placing a NFC enabled data communication device of a purchaser of the item in close proximity to a NFC enabled data communication device of a seller of the item, the devices being interoperable to establish a NFC communication link between the devices when placed in close proximity to each other, transferring the value item, together with a request for payment for the item, from the seller's device to the buyer's device via the NFC link, and transmitting the payment request, together a buyer's authorization for the payment, to a third party service provider via a network and thereby causing the service provider to transfer money in an amount equal to the purchase price of the item from a funding account of the buyer to a receiving account of the seller.
- A better understanding of the above and many other features and advantages of the novel payment systems and methods of the present invention may be obtained from a consideration of the detailed description of some example embodiments thereof below, particularly if such consideration is made in conjunction with the several views of the appended drawings, wherein like elements are referred to by like reference numerals throughout.
-
FIG. 1 shows that an NFC enabled device can read out an RFID tag's information, emulate a smart card so that a reader can access its data, or communicate directly with another NFC device in peer-to-peer fashion when the two NFC devices are brought in direct contact or in very close proximity to each other. -
FIGS. 2 and 3 show the establishment of a Bluetooth or a similar short range wireless communication between two computers using NFC. -
FIG. 4 shows the use of an NFC enabled computer (PC) and NFC enabled mobile phone to download a game application from a website directly into the mobile phone. -
FIG. 5 shows an example of NFC devices communicating consumer account information via radio frequency (RF) to a retailer's payment terminal. -
FIG. 6 shows a system and method for enabling a peer-to-peer financial transaction between mobile devices using near field communication in a network environment in accordance with one embodiment. -
FIG. 7 shows application(s) activation in accordance with one embodiment. -
FIGS. 8A and 8B respectively illustrate a typical “known” request for money and a contrasting request for money in a peer-to-peer financial transaction between mobile devices using near field communication in a network environment in accordance with one embodiment of the present invention. -
FIG. 9 shows examples of various interface screens that be applicable to the a sender's mobile device and/or a recipient's mobile device for conducting a peer-to-peer financial transaction between mobile devices using near field communication in a network environment in accordance with one embodiment. - Exemplary embodiments will now be described with references to the accompanying figures, wherein like reference numbers are used to refer to like elements throughout. The terminology used in the description presented herein is not intended to be interpreted in any limiting or restrictive manner simply because it is being utilized in conjunction with a detailed description of certain embodiments. Furthermore, various embodiments (whether or not specifically described herein) may include novel features, no single one of which is solely responsible for their novelty or desirability.
- As indicated above, NFC is a short-range wireless connectivity technology that evolved from a combination of existing contactless identification and interconnection technologies. Operating at 13.56 MHz via magnetic field induction (i.e., two loop antennas are located within each other's near field) and transferring data at up to 424 Kbits/second, NFC provides simple communication between electronic devices over relatively short distances, viz., 0-20 cm. This means that no restrictions are applied and no licenses are required for use of the NFC devices in the RF band. NFC is both a “read” and “write” technology. Furthermore, combining the read and write modes in more than two mobile devices enables a third peer-to-peer mode by alternating between read and write modes. As also discussed above, the underlying layers of NFC technology follow universally implemented ISO, ECMA, and ETSI standards. Because the transmission range of NFC is very short, NFC-enabled transactions are relatively secure. However, to provide more robust security, applications may use higher layer cryptographic protocols, such as TLS, SS, or the like.
- In this regard, the NFC interface and protocols primarily target consumer electronics users that will be able to use the secure means of communication between various devices without exerting much effort in configuring their “network”. Communication between two NFC-compatible devices occurs when they are brought in close proximity with a wave or touch of the two device(s). This action causes the respective NFC wireless interfaces of the two devices to engage and configure the devices to link up in a peer-to-peer network, enabling the automated and transparent establishment of a network connection between the devices.
- The NFC communication protocol distinguishes between an Initiator device and a Target device of the NFC network communication. Any device may be either an Initiator or a Target. The Initiator, as indicated by the name, is the device that initiates and controls the exchange of data. The Target is the device that answers a request for data from the Initiator. A device may also be both initiator and target, as described in the peer-to-peer mode above.
- The NFC protocol further distinguishes between two modes of operation, viz., an Active mode and a Passive mode. All devices support both communication modes. In the active mode of communication, both devices, i.e., both the Initiator and the Target, generate their own RF field to carry the data. In the passive mode of communication, only one device (the Initiator) generates the RF field while the other device (the Target) uses load modulation to transfer the data. This can be an important consideration for battery-powered devices, since the conservation of battery power is generally a high priority. As such, the protocol enables a device, such as a mobile phone, to operate in a power-saving mode (passive mode of NFC communication). In other words, the passive mode does not require both devices to generate the RF field and enables a complete communication to be powered from one side only. (The device still needs to be powered internally, but does not have to “waste” the battery on powering the RF communication interface.)
- The difficulty in using longer-range protocols, such as Bluetooth and Wireless Ethernet (Wi-Fi), is in selecting the correct device from a multitude of devices in the operating range and providing the right parameters to establish the connection. However, NFC overcomes this difficulty, as once the configuration data has been exchanged using NFC, the devices can then easily setup and continue to communicate over a greater range and using faster protocols, such as Bluetooth or Wireless Ethernet (Wi-Fi).
- For example, as indicated by the dashed double-headed
arrow 2 inFIG. 2 , ordinarily, to establish Bluetooth communication between two computers, the two devices need to be setup manually with a password to protect communication. However, as indicated by thebroad arrow 1 inFIG. 2 , NFC may be used as a first step in establishing, e.g., a Bluetooth communication link by simply touching, or “tapping” one of the two devices against the other, or by bringing the two devices into close proximity to each other. By touching the devices at a “hotspot,” they can automatically open a data connection link to exchange the parameters of the Bluetooth communication and thereby seamlessly establish a secret key without any further action being required on the part of the user. As illustrated inFIG. 3 , once the Bluetooth communication link is established, the devices can then be moved away from each other in a second step as communication between the devices continues using the session of Bluetooth that was previously established. - Substantially the same NFC procedure may be used to establish a wireless (e.g., Bluetooth, Wi-Fi, or the like) connection with a variety of devices, from mobile phones that enable payment or transfer of information to digital cameras that send their photos to a television set with just a touch. For example, as illustrated in
FIG. 4 , by using an NFC enabled computer (PC) and an NFC enabled mobile phone, a game application may be downloaded from a website directly into the mobile phone from the PC. - NFC capabilities further include information access via a “smart poster” application. In this example, the user taps an NFC enabled mobile phone to a tag embedded in a poster or similar object, which then triggers the transmission of a uniform resource locator (URL) to the phone. The URL could be used, for example, to direct a user to a website at which the user can gather information or download a special coupon or token.
- As illustrated in
FIG. 5 , other examples of NFC applications include mobile cell phones, cards, or key fobs that have a built-in integrated circuit (IC) microchip and antenna. The chip is able to emulate contactless smart cards. Consumers can use the NFC device to communicate consumer account information via radio frequency to the retailer's payment terminal, such as the VIVO pay line of contactless payment systems manufactured by VIVOtech. The payment terminal then connects to the appropriate financial networks or other back-end processing system to authorize the transaction. Once authorized, the consumer completes the transaction and receives payment confirmation. - Mobile cell phones or “wallet phones” may include a prepaid wallet that can be used for making mobile payments. Users interact with readers at point of sale (POS) terminals or cash machines to recharge the wallet and access control systems located there, for example, ticketing and reservation systems at train stations, airports, hotels, and the like, using the wallet phone to make purchases.
-
FIG. 6 illustrates an example embodiment of a system and method for enabling a peer-to-peer financial transaction between mobile devices using near field communication in a network environment in accordance with this invention. The system and method for enabling a peer-to-peer financial transaction betweenmobile devices 100 may include a first NFC enabledmobile device 105 and a second NFC enabledmobile device 110, anetwork 115 to enable connectivity between entities/elements and the flow of information, and a third party payment provider system 120 (PPS) for, among other things, payment processing (verification, authorization and confirmation) of the financial transaction between themobile devices users - As used herein, the term “mobile device” is a broad term and may include, but is not limited to, cell phones, personal digital assistants (PDAs), smart phones, key fobs, smartcards, computers or PCs, or similar type of augmented objects or devices.
- Each of the
mobile devices NFC service application 126, anetwork communication application 127, and other applications 128, including a payment provider application, a browser application, a toolbar application, and the like, as may be necessary to enable NFC communication between themobile devices payment provider system 120 via thenetwork 115. - Broadly, the
NFC service application 126 provides those features that generally enable NFC communication between NFC enabled devices, but may also enable the user to activate various multimedia features, as well as to effect financial transactions via icon linked applications, such as “send money,” “request money,” “send contact information,” “acquire contact information,” and the like. - Likewise, the payment provider application provides those features that generally enable the
mobile device payment provider system 120, but may also enable the user to activate various multimedia features, as well as to effect financial transactions via icon linked applications, such as “send money,” “request money,” “send contact information,” “acquire contact information,” and the like. - Accordingly, persons of ordinary skill in the art will understand that the use of either a NFC service application and a separate payment provider application, or the use of a single bundled application that is the functional equivalent of the NFC service application and the payment provider application in any mobile device may depend on a number of factors, including manufacturer preferences, cost, and intended use, to name a few. Accordingly, the term “application,” “applications,” or “application(s)” as used herein indicates that either a separate NFC service application and a payment provider application, or a bundled application having capabilities of both the NFC service application and the payment provider application is present in the mobile device.
- In one example embodiment, the
network 115 may be implemented as a single network or a combination of multiple networks. For example, in various embodiments, the network may include the Internet and/one or more intranets, landline networks, wireless networks, and/or other appropriate types of communication networks. In another example, the network may comprise a wireless telecommunications network (e.g., cellular phone network) adapted to communicate with other communication networks, such as the Internet. - The
payment provider system 120 may include, among other things, aserver identifier 130, apayment processing application 131, and anaccount database 132 havingaccount information 133 and other databases 134, as may be required to enable payment processing between themobile devices - In one embodiment, a financial transaction between the
mobile devices mobile devices mobile device 105 and the secondmobile device 110 are NFC enabled; that a paymentprovider service application 126, NFC service application, or bundled application is present on the sender's 140mobile device 105; and, that at least thesender 140 has a previously establishedpayment provider account 132. - In this regard, the application(s) setup may be facilitated over-the-air (OTA), wherein, depending on implementation, an OTA application/software download can be initiated upon an action, such as a call to the
payment provider system 120 or other dialable service, or can be performed automatically when visiting a service site. - Alternatively, the application(s) setup may be facilitated by using another NFC chip, wherein, for example, a pre-loaded NFC card issued by the
payment provider system 120 or other entity may be pre-loaded with a basic application, account information, URL, and the like, such that, when touched to an NFC enabled mobile device, the information is transferred to the mobile device to permit access to an OTA site where the application/software download can be effected. - In one embodiment, an initial payment provider application activation process may be required to be completed prior to utilizing the application(s) 126-129 for the first time. In this regard, as illustrated in
FIG. 7 , application(s) activation may begin with the user entering login information, such as a phone number, pin number, email address and/or password, and the like, in themobile device payment provider system 120. In one embodiment, network connectivity for the communication of voice and/data between themobile device payment provider system 120 may be facilitated by an HTTPS (Hyper Text Transfer Protocol Secure) connection over a general packet radio service (GPRS). GPRS is a packet based wireless communication service that offers continuous connection to the Internet orother network 115 for mobile phone and computer users. GPRS is based on GSM (Global System for Mobile Communication) and complements existing services such as circuit switched cellular phone connections and the Short Message Service (SMS), i.e., text message. Persons of skill in the art will understand similar protocols and wireless services may be utilized within the scope of the disclosure to enable wireless connectivity and communication between the mobile devices and the payment service provider. - In response to receiving the user's information and unique identifier, the
service provider system 120 sends packet information to themobile device payment provider system 120 to the mobile device may include data relating to country, currency, language, activation code and/or security keys. A corresponding code generated by the application is then communicated back to thepayment provider system 120 from themobile device - In this regard, such a back-and-forth communication or “handshake” between the
mobile device payment provider system 120 allows for user and/or system verification, authorization, and compatibility check to complete the application(s) activation process. Typically, theusers payment provider system 120 to themobile device payment provider system 120 may further communicate a short welcome text message to themobile device - After the initial setup and activation of the application(s) is complete, subsequent activation of one or more of the application(s) may occur upon activation of the mobile device. In one embodiment, the
mobile device 105 may be a cell phone in which activation may occur upon opening themobile device 105. Typically, as indicated above, access or activation of themobile device 105 will likewise activate one or more of the applications. In another case, thesender 140 may be required to touch a feature (e.g., an icon, pushbutton, or the like) on themobile device 105 to access and activate one or more of the application(s). In yet another case, activation of one or more of the applications may occur upon “tapping” or bringing themobile device 105 in close proximity with another NFC enabled device. - Upon activation of the
mobile device 105, thesender 140 may be presented with menu options for enabling various functions, including those associated with, for example, multimedia features (e.g., music, video, games, and the like), user contact information, and those relating to financial transactions, such as “request money,” “send money,” and the like. - The
sender 140 may then choose the desired function from the menu options, for example, “send money” in the case of a proposed money transfer between themobile devices sender 140 may be asked to enter, in no particular order, funding particulars, including a funding source (e.g., MC, VISA, AMEX, Citibank, PPS account, or other funding source account), the amount of money to be sent, and login information (PIN, pass code, password, or the like). - As persons of skill in the art will appreciate, in the absence of an affirmative choice of one or more presented funding particulars, preset default settings may be enabled. In addition, in some embodiments, the
sender 140 may be presented with the opportunity to review and edit the payment choices prior to communicating the payment request to thepayment provider system 120. - Upon activation of the
mobile device 110, therecipient 145 may, like thesender 140, be presented with various menu options for enabling various functions, including those associated with multimedia features (e.g., music, video, games, and the like), user contact information, and those relating to financial transactions, such as “request money,” “send money,” and the like. Therecipient 140 of the intended money transfer may then choose the desired function from, for example, “receive money” or “ready, wait”(a default setting having implications of what is being shared) in the case of the above described proposed money transfer between themobile devices payment provider system 120 to the designated recipient account, digital wallet (phone), or email address where funds may be deposited or acquired. - The
sender 140 may then simply touch or “tap” the NFC enabledmobile device 110 of therecipient 145 with the sender'smobile device 105 to effect the transfer of the designated recipient information from the recipient'mobile device 110 to the sender'smobile device 105 via NFC. - As those of ordinary skill in the art will understand, although the method(s)/step(s) are illustrated and described herein as occurring in a certain order, the specific order, or any combination or interpretation of the order, is not required. Obvious modifications will be apparent to those of ordinary skill in the art, all of which will not depart from the essence of disclosed subject matter, and all such changes and modifications are intended to be encompassed within the scope of the disclosure.
- For example, recipient information may be acquired prior to selecting the funding source and/or the amount of money to be sent by the
sender 140. In this regard, the acquisition of recipient information may automatically activate the “send money” function on the sender'smobile device 105, thereby presenting the menu options for enabling various functions, including those relating to financial transactions, as described above. - The sender's payment request is then automatically communicated (submitted) to the
payment provider system 120 for processing, including, among others, verification, authorization, distribution, and confirmation thereof. Alternatively, thesender 140 may be provided with an opportunity to review the payment request information prior to its submission to thepayment provider system 120. - Upon the successful completion of payment processing, the payment provider system may communicate a corresponding SMS notification, i.e., successful transfer of funds, successful deposit of funds, amount of transfer or deposit, or some other related message informing the
sender 140 and/or therecipient 145 of the payment processing results, such as by way of an email, phone call, or a multimedia messaging service (MMS) message.Sender 140 and/orrecipient 145 notifications may further include an audible and/or a visible and/or a tactile indication, such as a vibration in the respective devices. - In summary, in one embodiment, contact information of the transfer is communicated directly via NFC from the recipient's
mobile device 110 to the sender'smobile device 105. Payment review is done via NFC from the sender'smobile device 105 to the recipient'smobile device 110 showing the conditions of the financial transaction. The payment request is communicated OTA to thepayment provider system 120 in real-time, while notifications and confirmations are communicated to the sender'smobile device 105 and the recipient'smobile device 110 via SMS and/or MMS and/or other form of sensible indicators. - As described above, peer-to-peer payment between
mobile devices mobile devices - As further described above with reference to
FIG. 6 , a financial transaction may include a “one-tap” process between NFC enabledmobile devices - Alternatively, a financial transaction may comprise a two step or “two-tap” process between NFC enabled
mobile devices payment provider system 120. As discussed above, thesender 140 may be given the opportunity to review and edit certain of the details of the transaction, e.g., payment amount, funding account, after effecting the first tap and before effecting the second. - The systems and methods for payment between
mobile devices payment provider system 120 and used by a merchant so that the user and merchant view the process as a standard financial transaction. - Alternatively, the systems and methods for payment between
mobile devices payment provider system 120 provides POS terminals for merchants. In this regard, a user can “tap” his or hermobile device 105 on the POS terminal to pay for merchandise and the merchant may be paid directly through thepayment provider system 120. -
FIGS. 8A and 8B respectively illustrate a typical “known” type of request for money and a contrasting request for money in a peer-to-peer or “face-to-face” financial transaction between mobile devices using near field communication in a network environment in accordance with one embodiment of the present invention. - In contrast to the known four-step process for requesting money illustrated in
FIG. 8A , a money request utilizing NFC may, as illustrated inFIG. 8B , include a first step of (1) the recipient sending a request for money to the sender via NFC, a second step of (2) the sender authorizing payment with the payment provider system via an OTA transmission, and a third step of (3) the payment provider system notifying the recipient of the transfer of funds, as illustrated inFIG. 8B . - In this regard, by communicating information via NFC, the sender only needs to enter a PIN to approve payment with the payment provider system.
- Similar to the money request transaction illustrated in
FIG. 8B , a “charge for a service” may be conducted in a peer-to-peer financial transaction between mobile devices using near field communication in a network environment in accordance with one embodiment. In this regard, in the first step ofFIG. 8B , downloadable data content, for example, a music download or a computer game, may be communicated to the sender's mobile device along with a money request of a specified amount for the downloaded item from the recipient's mobile device via an NFC link. If the sender agrees to the purchase of or the sending of money for the music download, the process would then continue with steps (2) and (3) substantially as described above. - In detail, in this embodiment, the recipient-seller may send a value item (e.g., a locked music file) along with a payment request to the sender-buyer via an NFC link between the respective NFC enabled devices of the recipient and the sender initiated by, e.g., a single a “tap” between the devices. If the sender does not agree to purchase the item, the transaction is terminated, and the value item remains locked or unusable by the user. However, if the sender chooses to purchase the item, then the sender sends the payment request, along with the sender's authorization to make the payment, to a third party service provider, e.g., PayPal, which can be effected by a second tap between the respective devices, or alternatively, by a direct OTA communication by the sender with the third party provider.
- The third party provider then makes the payment authorized by the sender and sends a message confirming the transaction to the sender and the recipient. The NFC devices may connect to the Internet to effect the money portion of the transaction. As in the above embodiments, additional information can be transferred along with the payment information, such as user IDs, telephone numbers, account numbers, avatars, icons, and the like. Once the transaction is in progress or has been completed, the users are notified thereof, such as with an audio and/or visual indication and/or a tactile message, e.g., a vibration of the respective recipient and sender devices. The value item may then be unlocked, e.g., by receipt of the confirmation message itself, or by the separate transmission of a digital “key” from the recipient to the sender, so that the value item can be then be used or accessed by the sender.
- It should be understood that the value item need not necessarily be downloaded simultaneously with the payment request from the recipient, or indeed, be a downloadable type of item at all. Thus, in another embodiment, an “offer of sale” of the item, i.e., a payment request alone, may be transmitted to the sender via a first tap between the respective NFC devices of the sender and recipient, and upon acceptance of the offer by the sender, transmission of the payment request and authorization therefor to the third party provider, and receipt of confirmation of the success of the transaction by the recipient, a transmission of the subject “goods,” i.e., the music or game (in an unlocked state), from the recipient to the sender via an NFC link between their respective devices can then be initiated by, e.g, a second tap between the devices. In yet another peer-to-peer embodiment, for example, a swap meet or a flea market scenario in which the goods are not a downloadable type, e.g., a stereo or a TV, the recipient may simply hand the goods over to the sender upon receipt of confirmation of the transaction. Indeed, as those of skill in the art will appreciate, many advantageous variations on the foregoing peer-to-peer payment transaction scenarios are possible, each enabling the transaction to be effected quickly, easily and without the need for cash, checks, credit cards and the known drawbacks respectively attendant thereto.
-
FIG. 9 shows examples of various interface screens that can be displayed on a sender's and/or a recipient's mobile device for conducting a peer-to-peer financial transaction between two mobile devices using near field communication in a network environment in accordance with one embodiment of the present disclosure. - Although the apparatus and methods of the present invention have been described and illustrated herein with reference to certain specific example embodiments thereof, it should be understood that a wide variety of modifications and variations may be made to these without departing from the spirit and scope of the invention, as defined by the claims appended hereafter and their functional equivalents.
Claims (20)
1. An electronic payment method for facilitating purchase and transfer of a value item, the method comprising:
in response to detecting a first tap at a user device, establishing a near field communication (NFC) link by the user device with a merchant device;
receiving, at the user device, a transaction request from the merchant device via the NFC link;
displaying, at the user device, information corresponding to the received transaction request;
creating, at the user device, a payment request based on the received transaction request;
in response to detecting a second tap at the user device, transmitting the payment request by the user device to a payment provider system via a communication channel that is distinct from the NFC link, wherein the payment request is configured to cause the payment provider system to transfer funds from an account associated with the user device to an account associated with the merchant device; and
receiving, at the user device, information corresponding to the value item.
2. The electronic payment method of claim 1 , wherein the receiving information corresponding to the value item includes receiving a transmission of the value item.
3. The electronic payment method of claim 1 , wherein the receiving information corresponding to the value item includes receiving information for unlocking use of the value item.
4. The electronic payment method of claim 3 , further comprising receiving at the user device, in response to the first tap, a locked version of the value item.
5. The electronic payment method of claim 1 , wherein:
the displaying the information corresponding to the received transaction request includes displaying an option to enter modifications to the displayed information; and
the creating the payment request based on the received transaction request is further based on the modifications.
6. A non-transitory machine-readable medium comprising a plurality of machine-readable instructions which, when executed by one or more processors of one, the other, or both of a communication device of a user and a communication device of a seller, are adapted to cause one, the other or both of the devices to perform a method comprising:
in response to detecting a first tap between the user device and the merchant device, establishing a near field communication (NFC) link between the user device and the merchant device;
receiving, at the user device, a transaction request from the merchant device via the NFC link;
displaying, at the user device, information corresponding to the received transaction request;
generating, at the user device, a payment authorization based on the received transaction request;
in response to receiving a user authorization at the user device, transmitting the payment authorization by the user device to a payment provider system via a communication channel different from the NFC link, the payment authorization being configured to cause the payment provider system to effect a transfer of funds from an account associated with the user to an account associated with the merchant; and
receiving a value item at the user device.
7. The non-transitory machine-readable medium of claim 6 , wherein the receiving a user authorization comprises detecting a second tap between the user device and the merchant device.
8. The non-transitory machine-readable medium of claim 6 , wherein the transaction request comprises at least one of the group consisting of an identity of the merchant, phone number, an address, a receiving account identity and a price of the value item.
9. The non-transitory machine-readable medium of claim 6 , wherein the payment authorization comprises at least one of the group consisting of an identity of the user, a password, a personal identification number (PIN), a phone number, an address, a payment funding account identity and an amount of funds to be transferred.
10. The non-transitory machine-readable medium of claim 6 , wherein the method further comprises receiving, at one, the other, or both the user device and the merchant device, a message from the payment provider system confirming the transfer of funds.
11. The non-transitory machine-readable medium of claim 10 , wherein:
the value item is received in a locked form, and
the method further comprises transmitting, from the merchant device to the user device, information for unlocking use of the value item.
12. The non-transitory machine-readable medium of claim 11 , wherein the transmitting information for unlocking use of the value item is in response to the receiving, at the merchant device, the message from the payment provider system confirming the transfer of funds.
13. The non-transitory machine-readable medium of claim 7 , wherein the value item is received after the first tap, the second tap or after receiving, at one, the other, or both the user device and the merchant device, a message from the payment provider system confirming the transfer of funds.
14. A method, comprising:
causing a first tap between a buyer's communication device and a seller's communication device, the first tap being effective to:
establish a near field communication (NFC) link between the buyer's communication device and the seller's communication device; and
transmit an offer of sale of a value item from the seller's communication device to the buyer's communication device via the NFC link;
creating, on the buyer's communication device, a payment authorization based on the offer of sale;
causing a second tap between the buyer's communication device and the seller's communication device, the second tap being effective to:
transmit the payment authorization by the user device to a payment provider via a communication channel that is distinct from the NFC link, the payment authorization being effective to cause the payment provider to effect a transfer of funds from an account associated with the buyer to an account associated with the seller; and
receiving information relating to the value item at the buyer's communication device.
15. The method of claim 14 , wherein the receiving information relating to the value item includes receiving a transmission of the value item.
16. The method of claim 15 , wherein the receiving information relating to the value item includes receiving information for unlocking use of the value item.
17. The method of claim 16 , further comprising receiving, at the buyer's communication device, in response to the first tap, a locked version of the value item.
18. The method of claim 14 , further comprising displaying information relating to the offer of sale on the buyer's communication device, wherein the displaying includes displaying an option to enter modifications to the offer of sale, and the creating is further based on the modifications.
19. The method of claim 14 , wherein at least a portion of the communication channel that is distinct from the NFC link is wireless.
20. The method of claim 14 , further comprising receiving, at one, the other, or both the buyer's communication device and the seller's communication device, a message from the payment provider confirming the transfer of funds.
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US14/681,900 US20150213436A1 (en) | 2008-01-30 | 2015-04-08 | Charge-for-service near field communication transactions |
Applications Claiming Priority (4)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US2475808P | 2008-01-30 | 2008-01-30 | |
US3489008P | 2008-03-07 | 2008-03-07 | |
US12/242,667 US20090192912A1 (en) | 2008-01-30 | 2008-09-30 | Charge-for-service near field communication transactions |
US14/681,900 US20150213436A1 (en) | 2008-01-30 | 2015-04-08 | Charge-for-service near field communication transactions |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/242,667 Continuation US20090192912A1 (en) | 2008-01-30 | 2008-09-30 | Charge-for-service near field communication transactions |
Publications (1)
Publication Number | Publication Date |
---|---|
US20150213436A1 true US20150213436A1 (en) | 2015-07-30 |
Family
ID=40899729
Family Applications (9)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/242,627 Active 2032-11-08 US9558485B2 (en) | 2008-01-30 | 2008-09-30 | Two step near field communication transactions |
US12/241,601 Active 2030-09-27 US8233841B2 (en) | 2008-01-30 | 2008-09-30 | Near field communication initialization |
US12/241,557 Active 2032-05-22 US8813182B2 (en) | 2008-01-30 | 2008-09-30 | Near field communication activation and authorization |
US12/242,667 Abandoned US20090192912A1 (en) | 2008-01-30 | 2008-09-30 | Charge-for-service near field communication transactions |
US12/242,647 Abandoned US20090192935A1 (en) | 2008-01-30 | 2008-09-30 | One step near field communication transactions |
US14/457,363 Active US9224140B2 (en) | 2008-01-30 | 2014-08-12 | Near field communication activation and authorization |
US14/681,900 Abandoned US20150213436A1 (en) | 2008-01-30 | 2015-04-08 | Charge-for-service near field communication transactions |
US14/955,011 Active US9552579B2 (en) | 2008-01-30 | 2015-11-30 | Near field communication activation and authorization |
US15/421,307 Active US10395238B2 (en) | 2008-01-30 | 2017-01-31 | Two step near field communication transactions |
Family Applications Before (6)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US12/242,627 Active 2032-11-08 US9558485B2 (en) | 2008-01-30 | 2008-09-30 | Two step near field communication transactions |
US12/241,601 Active 2030-09-27 US8233841B2 (en) | 2008-01-30 | 2008-09-30 | Near field communication initialization |
US12/241,557 Active 2032-05-22 US8813182B2 (en) | 2008-01-30 | 2008-09-30 | Near field communication activation and authorization |
US12/242,667 Abandoned US20090192912A1 (en) | 2008-01-30 | 2008-09-30 | Charge-for-service near field communication transactions |
US12/242,647 Abandoned US20090192935A1 (en) | 2008-01-30 | 2008-09-30 | One step near field communication transactions |
US14/457,363 Active US9224140B2 (en) | 2008-01-30 | 2014-08-12 | Near field communication activation and authorization |
Family Applications After (2)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
US14/955,011 Active US9552579B2 (en) | 2008-01-30 | 2015-11-30 | Near field communication activation and authorization |
US15/421,307 Active US10395238B2 (en) | 2008-01-30 | 2017-01-31 | Two step near field communication transactions |
Country Status (4)
Country | Link |
---|---|
US (9) | US9558485B2 (en) |
KR (1) | KR20100117639A (en) |
CN (2) | CN101933246A (en) |
WO (1) | WO2009097215A1 (en) |
Cited By (11)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20140293980A1 (en) * | 2013-03-28 | 2014-10-02 | Brother Kogyo Kabushiki Kaisha | Communication Device |
US9485608B2 (en) | 2012-08-06 | 2016-11-01 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9596007B2 (en) | 2012-08-03 | 2017-03-14 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9661667B2 (en) | 2012-08-03 | 2017-05-23 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9696956B2 (en) | 2012-07-03 | 2017-07-04 | Brother Kogyo Kabushiki Kaisha | Communication device communicating target data with external device according to near field communication |
US20170237472A1 (en) | 2012-03-30 | 2017-08-17 | Brother Kogyo Kabushiki Kaisha | Communication Device |
US9781299B2 (en) | 2012-03-30 | 2017-10-03 | Brother Kogyo Kabushiki Kaisha | Function executing device with two types of wireless communication interfaces |
US10142014B2 (en) | 2013-09-30 | 2018-11-27 | Brother Kogyo Kabushiki Kaisha | Multi-function device and terminal device |
US10278045B2 (en) | 2014-05-30 | 2019-04-30 | Brother Kogyo Kabushiki Kaisha | Function execution device and communication terminal |
US10902408B2 (en) * | 2017-03-29 | 2021-01-26 | Chien-Kang Yang | Mobile payment method using a barcode, device and server for implementing the method |
WO2022027069A1 (en) * | 2020-07-31 | 2022-02-03 | Verifone, Inc. | Systems and methods for touchless alternate payment provider selection at kiosks or payment terminals using mobile electronic devices |
Families Citing this family (419)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US20080278286A1 (en) * | 2004-06-29 | 2008-11-13 | Antti Takaluoma | Communication Method, System and User Terminal |
CA2648523C (en) | 2005-04-21 | 2018-09-04 | Securedpay Solutions, Inc. | Portable handheld device for wireless order entry and real time payment authorization and related methods |
US11195163B2 (en) | 2006-09-01 | 2021-12-07 | Mastercard International Incorporated | Methods, systems and computer readable media for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities |
US9311766B2 (en) | 2007-09-12 | 2016-04-12 | Devicefidelity, Inc. | Wireless communicating radio frequency signals |
US8070057B2 (en) | 2007-09-12 | 2011-12-06 | Devicefidelity, Inc. | Switching between internal and external antennas |
US8915447B2 (en) | 2007-09-12 | 2014-12-23 | Devicefidelity, Inc. | Amplifying radio frequency signals |
US9304555B2 (en) | 2007-09-12 | 2016-04-05 | Devicefidelity, Inc. | Magnetically coupling radio frequency antennas |
US8341083B1 (en) | 2007-09-12 | 2012-12-25 | Devicefidelity, Inc. | Wirelessly executing financial transactions |
US20090299903A1 (en) * | 2007-12-07 | 2009-12-03 | Taiwan Pelican Express Co., Ltd. | Non-Cash Cash-on-Delivery Method and System |
US8011577B2 (en) | 2007-12-24 | 2011-09-06 | Dynamics Inc. | Payment cards and devices with gift card, global integration, and magnetic stripe reader communication functionality |
US9626821B2 (en) * | 2008-04-24 | 2017-04-18 | Qualcomm Incorporated | Electronic payment system |
US9715709B2 (en) | 2008-05-09 | 2017-07-25 | Visa International Services Association | Communication device including multi-part alias identifier |
CN104410436B (en) * | 2008-07-20 | 2018-04-17 | 三星电子株式会社 | The short-range communication controller and its method of connection are managed in short-range communication |
US8620299B2 (en) * | 2008-08-12 | 2013-12-31 | Mastercard International Incorporated | Methods, systems and computer readable media for electronically delivering a prepaid card to a mobile device |
US8447669B2 (en) | 2008-08-26 | 2013-05-21 | Visa U.S.A. Inc. | System and method for implementing financial assistance programs |
US8090359B2 (en) | 2008-09-08 | 2012-01-03 | Proctor Jr James Arthur | Exchanging identifiers between wireless communication to determine further information to be exchanged or further services to be provided |
US9639852B2 (en) * | 2008-09-24 | 2017-05-02 | Paypal, Inc. | GUI-based wallet program for online transactions |
US8868939B2 (en) | 2008-09-26 | 2014-10-21 | Qualcomm Incorporated | Portable power supply device with outlet connector |
US8385822B2 (en) * | 2008-09-26 | 2013-02-26 | Hewlett-Packard Development Company, L.P. | Orientation and presence detection for use in configuring operations of computing devices in docked environments |
US8688037B2 (en) | 2008-09-26 | 2014-04-01 | Hewlett-Packard Development Company, L.P. | Magnetic latching mechanism for use in mating a mobile computing device to an accessory device |
US20110106954A1 (en) * | 2008-09-26 | 2011-05-05 | Manjirnath Chatterjee | System and method for inductively pairing devices to share data or resources |
US8712324B2 (en) | 2008-09-26 | 2014-04-29 | Qualcomm Incorporated | Inductive signal transfer system for computing devices |
US8850045B2 (en) | 2008-09-26 | 2014-09-30 | Qualcomm Incorporated | System and method for linking and sharing resources amongst devices |
US8527688B2 (en) * | 2008-09-26 | 2013-09-03 | Palm, Inc. | Extending device functionality amongst inductively linked devices |
US8526885B2 (en) * | 2008-09-30 | 2013-09-03 | Apple Inc | Peer-to-peer host station |
US20100078472A1 (en) * | 2008-09-30 | 2010-04-01 | Apple Inc. | Group peer-to-peer financial transactions |
US10380573B2 (en) * | 2008-09-30 | 2019-08-13 | Apple Inc. | Peer-to-peer financial transaction devices and methods |
US20100078471A1 (en) * | 2008-09-30 | 2010-04-01 | Apple Inc. | System and method for processing peer-to-peer financial transactions |
US8706588B1 (en) * | 2008-10-20 | 2014-04-22 | Sprint Communications Company L.P. | System and method of provisioning confidential information via a mobile device |
US8850532B2 (en) * | 2008-10-31 | 2014-09-30 | At&T Intellectual Property I, L.P. | Systems and methods to control access to multimedia content |
US20100174598A1 (en) * | 2008-12-31 | 2010-07-08 | Mohammad Khan | Methods, systems and computer readable media for redeeming and delivering electronic loyalty reward certificates using a mobile device |
US9092772B2 (en) * | 2009-02-16 | 2015-07-28 | Xius Corp. | Integrated system and method for enabling mobile commerce transactions using “contactless identity modules in mobile handsets” |
US8768845B1 (en) | 2009-02-16 | 2014-07-01 | Sprint Communications Company L.P. | Electronic wallet removal from mobile electronic devices |
US8346210B2 (en) * | 2009-02-27 | 2013-01-01 | Nokia Corporation | Method and apparatus for managing services using bearer tags |
US10992817B2 (en) * | 2009-03-18 | 2021-04-27 | Mastercard International Incorporated | Methods, systems and computer readable media for selecting and delivering electronic value certificates using a mobile device |
US20140089180A1 (en) * | 2009-03-26 | 2014-03-27 | Won Inc. | Electronic wallet service system based on an idle screen application |
FI121948B (en) * | 2009-04-09 | 2011-06-15 | Solocem Systems Oy | Arrangement for Delaying the Transfer of a Friend Connect for an NFC-Compatible Mobile Device and Related Method |
US9396603B2 (en) * | 2009-05-22 | 2016-07-19 | Nokia Technologies Oy | Method and apparatus for managing services using reusable bearer tags |
US9734496B2 (en) | 2009-05-29 | 2017-08-15 | Paypal, Inc. | Trusted remote attestation agent (TRAA) |
US20100312692A1 (en) * | 2009-06-03 | 2010-12-09 | Mordechai Teicher | Compact payment terminal |
US9841282B2 (en) | 2009-07-27 | 2017-12-12 | Visa U.S.A. Inc. | Successive offer communications with an offer recipient |
US9342835B2 (en) | 2009-10-09 | 2016-05-17 | Visa U.S.A | Systems and methods to deliver targeted advertisements to audience |
EP2494509A4 (en) * | 2009-10-30 | 2016-06-08 | Mastercard International Inc | Methods, systems, and computer readable media for facilitating use of wireless smart devices to purchase goods or services |
WO2011056745A1 (en) * | 2009-11-06 | 2011-05-12 | Mastercard International, Inc. | Methods for risk management in payment-enabled mobile device |
US9240005B2 (en) * | 2009-11-06 | 2016-01-19 | Mastercard International, Incorporated | Methods for risk management in payment-enabled mobile device |
USD674391S1 (en) | 2009-11-17 | 2013-01-15 | Hewlett-Packard Development Company, L.P. | Docking station for a computing device |
US20110125565A1 (en) | 2009-11-24 | 2011-05-26 | Visa U.S.A. Inc. | Systems and Methods for Multi-Channel Offer Redemption |
US8907768B2 (en) * | 2009-11-25 | 2014-12-09 | Visa International Service Association | Access using a mobile device with an accelerometer |
US20110264543A1 (en) * | 2010-04-26 | 2011-10-27 | Ebay Inc. | Reverse payment flow |
US10977965B2 (en) | 2010-01-29 | 2021-04-13 | Avery Dennison Retail Information Services, Llc | Smart sign box using electronic interactions |
CN102725785B (en) | 2010-01-29 | 2015-03-25 | 艾利丹尼森公司 | Smart sign box using electronic interactions |
US9065532B2 (en) * | 2010-02-03 | 2015-06-23 | Google Inc. | Bump button |
CN102771064B (en) * | 2010-02-26 | 2015-09-30 | Lg电子株式会社 | Electronic equipment and method of operation thereof |
US8869263B2 (en) * | 2010-02-26 | 2014-10-21 | Blackberry Limited | Wireless communications system providing mobile device authentication bypass based upon user-wearable security device and related methods |
AU2011223674B2 (en) * | 2010-03-03 | 2014-08-28 | Visa International Service Association | Systems and methods using mobile device in payment transaction |
US8458088B2 (en) | 2010-04-08 | 2013-06-04 | The Western Union Company | Money transfer smart phone methods and systems |
US8336088B2 (en) * | 2010-04-19 | 2012-12-18 | Visa International Service Association | Alias management and value transfer claim processing |
US20120029997A1 (en) * | 2010-06-28 | 2012-02-02 | Mohammad Khan | Methods, systems, and computer readable media for registering in a merchant sponsored program using a near field communication (nfc) device |
US9536243B2 (en) * | 2010-06-28 | 2017-01-03 | Mastercard International Incorporated | Methods, systems, and computer readable media for facilitating in-store or near-store ordering and payment of goods and services through a single-tap of a near field communication (NFC) device |
CN101908912A (en) * | 2010-08-12 | 2010-12-08 | 武汉天喻信息产业股份有限公司 | Non-contact communication data tracking device |
US8718546B2 (en) * | 2010-08-16 | 2014-05-06 | Blackberry Limited | Near-field communication (NFC) system providing low power peer-to-peer recognition mode and related methods |
US8068011B1 (en) | 2010-08-27 | 2011-11-29 | Q Street, LLC | System and method for interactive user-directed interfacing between handheld devices and RFID media |
US20120209677A1 (en) | 2010-10-20 | 2012-08-16 | Mehta Kaushal N | Person-2-person social network marketing apparatuses, methods and systems |
US9525548B2 (en) | 2010-10-21 | 2016-12-20 | Microsoft Technology Licensing, Llc | Provisioning techniques |
US20120203620A1 (en) | 2010-11-08 | 2012-08-09 | Douglas Howard Dobyns | Techniques For Wireless Communication Of Proximity Based Marketing |
EP2641411B1 (en) * | 2010-11-17 | 2018-10-31 | BlackBerry Limited | Application routing configuration for nfc controller supporting multiple nfc execution environments nfcee |
US8805434B2 (en) | 2010-11-23 | 2014-08-12 | Microsoft Corporation | Access techniques using a mobile communication device |
JP5633336B2 (en) * | 2010-11-29 | 2014-12-03 | ソニー株式会社 | COMMUNICATION DEVICE AND COMMUNICATION METHOD, COMMUNICATION CONTROL DEVICE, COMMUNICATION CONTROL METHOD, AND PROGRAM |
US20120143758A1 (en) * | 2010-12-01 | 2012-06-07 | Microsoft Corporation | Account Transfer Techniques |
US20120143769A1 (en) * | 2010-12-02 | 2012-06-07 | Microsoft Corporation | Commerce card |
US9509686B2 (en) | 2010-12-03 | 2016-11-29 | Microsoft Technology Licensing, Llc | Secure element authentication |
US9292870B2 (en) | 2010-12-13 | 2016-03-22 | Qualcomm Incorporated | System and method for point of service payment acceptance via wireless communication |
US9135429B2 (en) | 2010-12-23 | 2015-09-15 | Blackberry Limited | Mobile device for authenticating a device accessory |
WO2012092293A2 (en) * | 2010-12-30 | 2012-07-05 | Visa International Service Association | Mixed mode transaction protocol |
CN109559148A (en) | 2011-01-04 | 2019-04-02 | Aq株式会社 | Advertising information provides system |
US10007915B2 (en) | 2011-01-24 | 2018-06-26 | Visa International Service Association | Systems and methods to facilitate loyalty reward transactions |
US8977251B2 (en) * | 2011-01-31 | 2015-03-10 | Bank Of America Corporation | Transferring content to a mobile device |
WO2012106655A2 (en) | 2011-02-05 | 2012-08-09 | Visa International Service Association | Merchant-consumer bridging platform apparatuses, methods and systems |
US8948692B2 (en) | 2011-02-08 | 2015-02-03 | Qualcomm Incorporated | Graphic notification feedback for indicating inductive coupling amongst devices |
US9953334B2 (en) | 2011-02-10 | 2018-04-24 | Visa International Service Association | Electronic coupon issuance and redemption apparatuses, methods and systems |
US10586227B2 (en) | 2011-02-16 | 2020-03-10 | Visa International Service Association | Snap mobile payment apparatuses, methods and systems |
BR112013021059A2 (en) | 2011-02-16 | 2020-10-27 | Visa International Service Association | Snap mobile payment systems, methods and devices |
AU2012220669A1 (en) | 2011-02-22 | 2013-05-02 | Visa International Service Association | Universal electronic payment apparatuses, methods and systems |
US20120215610A1 (en) * | 2011-02-23 | 2012-08-23 | Visa International Service Association | Systems and Methods to Facilitate Offer Sharing |
AU2012223415B2 (en) | 2011-02-28 | 2017-05-18 | Visa International Service Association | Secure anonymous transaction apparatuses, methods and systems |
US20120221464A1 (en) * | 2011-02-28 | 2012-08-30 | Research In Motion Limited | Communications system for performing secure transactions based upon mobile wireless communications device proximity and related methods |
US8803659B2 (en) | 2011-02-28 | 2014-08-12 | Blackberry Limited | Methods and apparatus to support personal information management |
WO2012122060A1 (en) | 2011-03-04 | 2012-09-13 | Visa International Service Association | Cloud service facilitator apparatuses, methods and systems |
EP2498225B1 (en) * | 2011-03-11 | 2014-12-17 | Telit Automotive Solutions NV | Road toll system and method |
US8392259B2 (en) * | 2011-03-17 | 2013-03-05 | Research In Motion Limited | Methods and apparatus to obtain transaction confirmation |
EP2503495A1 (en) * | 2011-03-17 | 2012-09-26 | Research In Motion Limited | Methods and apparatus to obtain transaction confirmation |
US8929809B2 (en) * | 2011-03-22 | 2015-01-06 | Radeum, Inc. | Techniques for wireless communication of proximity based content |
US8880100B2 (en) | 2011-03-23 | 2014-11-04 | Radium, Inc. | Proximity based social networking |
US8509808B2 (en) | 2011-03-29 | 2013-08-13 | Research In Motion Limited | Mobile wireless communications device having a near field communication (NFC) device and providing memory disabling and related |
US10223743B2 (en) | 2011-03-29 | 2019-03-05 | Blackberry Limited | Communication system providing near field communication (NFC) transaction features and related methods |
CN102256001B (en) * | 2011-04-02 | 2013-06-05 | 上海华申智能卡应用系统有限公司 | Near field payment method for smart phone |
US8740064B2 (en) * | 2011-04-08 | 2014-06-03 | Blackberry Limited | Payment processing system including mobile wireless communications device to send a payment confirmation to a transaction terminal and associated methods |
US9384331B2 (en) | 2011-04-28 | 2016-07-05 | Intel Corporation | Device, system and method of wirelessly delivering content |
PT105677A (en) * | 2011-05-06 | 2012-11-06 | Manuel Janssen Valadas Preto | TELEMATIC PAYMENT CARD |
US20120290472A1 (en) * | 2011-05-10 | 2012-11-15 | Mullen Jeffrey D | Systems and devices for mobile payment acceptance |
WO2012155081A1 (en) | 2011-05-11 | 2012-11-15 | Visa International Service Association | Electronic receipt manager apparatuses, methods and systems |
KR101760911B1 (en) | 2011-05-18 | 2017-07-24 | 엘지전자 주식회사 | Mobile Terminal |
CN103797500A (en) | 2011-06-03 | 2014-05-14 | 维萨国际服务协会 | Virtual wallet card selection apparatuses, methods and systems |
US9793962B2 (en) * | 2011-06-10 | 2017-10-17 | Amx Llc | Processing near field communications between active/passive devices and a control system |
US20120323767A1 (en) * | 2011-06-15 | 2012-12-20 | Joseph Michael | Systems and methods for monitoring, managing, and facilitating transactions involving vehicles |
US20120323771A1 (en) | 2011-06-15 | 2012-12-20 | Joseph Michael | Systems and methods for monitoring, managing, and facilitating transactions involving vehicles |
US9209867B2 (en) * | 2011-06-28 | 2015-12-08 | Broadcom Corporation | Device for authenticating wanted NFC interactions |
KR101248596B1 (en) * | 2011-06-30 | 2013-03-28 | 중소기업은행 | Method for paying small money within a short distance |
US9355393B2 (en) | 2011-08-18 | 2016-05-31 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
WO2013006725A2 (en) | 2011-07-05 | 2013-01-10 | Visa International Service Association | Electronic wallet checkout platform apparatuses, methods and systems |
US9582598B2 (en) | 2011-07-05 | 2017-02-28 | Visa International Service Association | Hybrid applications utilizing distributed models and views apparatuses, methods and systems |
US10438176B2 (en) | 2011-07-17 | 2019-10-08 | Visa International Service Association | Multiple merchant payment processor platform apparatuses, methods and systems |
US9165131B1 (en) * | 2011-07-20 | 2015-10-20 | Thomas M. Kowalick | Vehicle connector lockout for in-vehicle diagnostic link connector (DLC) interface port |
US10346823B2 (en) * | 2011-08-12 | 2019-07-09 | Citibank, N.A. | Methods and systems for activating an electronic payments infrastructure |
US10825001B2 (en) | 2011-08-18 | 2020-11-03 | Visa International Service Association | Multi-directional wallet connector apparatuses, methods and systems |
US9710807B2 (en) | 2011-08-18 | 2017-07-18 | Visa International Service Association | Third-party value added wallet features and interfaces apparatuses, methods and systems |
US10242358B2 (en) | 2011-08-18 | 2019-03-26 | Visa International Service Association | Remote decoupled application persistent state apparatuses, methods and systems |
US10318941B2 (en) | 2011-12-13 | 2019-06-11 | Visa International Service Association | Payment platform interface widget generation apparatuses, methods and systems |
US9008616B2 (en) * | 2011-08-19 | 2015-04-14 | Google Inc. | Point of sale processing initiated by a single tap |
US9113284B2 (en) * | 2011-08-26 | 2015-08-18 | Qualcomm Incorporated | Methods and apparatus for improving management of NFC logical connections |
US9858583B2 (en) | 2011-09-01 | 2018-01-02 | Avery Dennison Retail Information Services, Llc | Apparatus, system and method for tracking consumer product interest using mobile devices |
CN102982449A (en) * | 2011-09-07 | 2013-03-20 | 中兴通讯股份有限公司 | Mobile terminal and transaction system and method |
US9117225B2 (en) | 2011-09-16 | 2015-08-25 | Visa International Service Association | Apparatuses, methods and systems for transforming user infrastructure requests inputs to infrastructure design product and infrastructure allocation outputs |
US9390414B2 (en) | 2011-09-18 | 2016-07-12 | Google Inc. | One-click offline buying |
TW201315199A (en) * | 2011-09-22 | 2013-04-01 | Acer Inc | Electronic systems and methods for playing contents |
US10223730B2 (en) | 2011-09-23 | 2019-03-05 | Visa International Service Association | E-wallet store injection search apparatuses, methods and systems |
US10019704B2 (en) * | 2011-09-26 | 2018-07-10 | Cubic Corporation | Personal point of sale |
AU2012316111B2 (en) * | 2011-09-26 | 2016-07-07 | Cubic Corporation | Personal point of sale |
US20130084798A1 (en) * | 2011-09-29 | 2013-04-04 | Broadcom Corporation | Single nfc device identity selection on a multiple-identity supported device |
US8838026B2 (en) * | 2011-09-30 | 2014-09-16 | Qualcomm Incorporated | Methods and apparatus for improving NFC data exchange configuration parameter update mechanisms |
EP2761551A4 (en) * | 2011-10-01 | 2015-09-02 | Intel Corp | Cloud based credit card emulation |
US11138573B2 (en) * | 2011-10-25 | 2021-10-05 | Isi Corporation | Electronic money transfer payment method and system for same |
US9544759B2 (en) | 2011-11-01 | 2017-01-10 | Google Inc. | Systems, methods, and computer program products for managing states |
MX341641B (en) | 2011-11-01 | 2016-08-29 | Google Inc | Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements. |
US8630908B2 (en) | 2011-11-02 | 2014-01-14 | Avery Dennison Corporation | Distributed point of sale, electronic article surveillance, and product information system, apparatus and method |
US9466877B2 (en) | 2011-11-29 | 2016-10-11 | Hill-Rom Services, Inc. | Hospital bed having near field communication capability |
US8918855B2 (en) * | 2011-12-09 | 2014-12-23 | Blackberry Limited | Transaction provisioning for mobile wireless communications devices and related methods |
WO2013090611A2 (en) | 2011-12-13 | 2013-06-20 | Visa International Service Association | Dynamic widget generator apparatuses, methods and systems |
US9953378B2 (en) | 2012-04-27 | 2018-04-24 | Visa International Service Association | Social checkout widget generation and integration apparatuses, methods and systems |
WO2013089777A1 (en) * | 2011-12-16 | 2013-06-20 | Intel Corporation | Login via near field communication with automatically generated login information |
EP2605206A1 (en) * | 2011-12-16 | 2013-06-19 | France Télécom | Method and system to recommend applications from an application market place to an electronic device |
WO2013095410A1 (en) * | 2011-12-21 | 2013-06-27 | Intel Corporation | Tap zones for near field coupling devices |
KR101323683B1 (en) * | 2012-01-03 | 2013-10-30 | 주식회사 필로시스 | Automatic Processing Method of Information for Purchasing Teststrip |
US10223710B2 (en) | 2013-01-04 | 2019-03-05 | Visa International Service Association | Wearable intelligent vision device apparatuses, methods and systems |
US10262148B2 (en) | 2012-01-09 | 2019-04-16 | Visa International Service Association | Secure dynamic page content and layouts apparatuses, methods and systems |
US11308227B2 (en) | 2012-01-09 | 2022-04-19 | Visa International Service Association | Secure dynamic page content and layouts apparatuses, methods and systems |
US20130183936A1 (en) * | 2012-01-17 | 2013-07-18 | Entrust, Inc. | Method and apparatus for remote portable wireless device authentication |
US10165440B2 (en) * | 2012-01-17 | 2018-12-25 | Entrust, Inc. | Method and apparatus for remote portable wireless device authentication |
AU2013214801B2 (en) | 2012-02-02 | 2018-06-21 | Visa International Service Association | Multi-source, multi-dimensional, cross-entity, multimedia database platform apparatuses, methods and systems |
WO2013116726A1 (en) | 2012-02-03 | 2013-08-08 | Ebay Inc. | Adding card to mobile wallet using nfc |
US8363086B1 (en) | 2012-02-06 | 2013-01-29 | Google Inc. | Initiating communications using short-range wireless communications |
CN103249085A (en) * | 2012-02-07 | 2013-08-14 | 中兴通讯股份有限公司 | WiFi data transmission method and terminal |
US9231660B1 (en) | 2012-02-17 | 2016-01-05 | Google Inc. | User authentication using near field communication |
US8478195B1 (en) | 2012-02-17 | 2013-07-02 | Google Inc. | Two-factor user authentication using near field communication |
US9767453B2 (en) | 2012-02-23 | 2017-09-19 | XRomb Inc. | System and method for processing payment during an electronic commerce transaction |
US9013425B2 (en) | 2012-02-23 | 2015-04-21 | Cypress Semiconductor Corporation | Method and apparatus for data transmission via capacitance sensing device |
EP2632180A1 (en) * | 2012-02-27 | 2013-08-28 | Gemalto SA | Method for exchanging data between two mobile devices |
JP5941300B2 (en) | 2012-03-05 | 2016-06-29 | キヤノン株式会社 | Information processing apparatus, information processing apparatus control method, and program |
US9691056B2 (en) | 2012-03-07 | 2017-06-27 | Clearxchange, Llc | System and method for transferring funds |
US10395223B2 (en) | 2012-03-07 | 2019-08-27 | Early Warning Services, Llc | System and method for transferring funds |
CN104145284A (en) * | 2012-03-07 | 2014-11-12 | 索尼公司 | Payment processing system, payment terminal, communication device, payment server and payment processing method |
US10318936B2 (en) | 2012-03-07 | 2019-06-11 | Early Warning Services, Llc | System and method for transferring funds |
US11593800B2 (en) | 2012-03-07 | 2023-02-28 | Early Warning Services, Llc | System and method for transferring funds |
US10395247B2 (en) | 2012-03-07 | 2019-08-27 | Early Warning Services, Llc | Systems and methods for facilitating a secure transaction at a non-financial institution system |
US10970688B2 (en) | 2012-03-07 | 2021-04-06 | Early Warning Services, Llc | System and method for transferring funds |
US11354637B2 (en) * | 2012-03-08 | 2022-06-07 | Citicorp Credit Services, Inc. (Usa) | Methods and systems for performing a financial transaction using a mobile communication device |
WO2013134769A1 (en) | 2012-03-09 | 2013-09-12 | Mastercard International Incorporated | Systems, methods, and computer readable media for conducting an electronic transaction via a backend server system |
US10223687B2 (en) * | 2012-03-23 | 2019-03-05 | International Business Machines Corporation | Link of mobile devices to facilitate mobile commerce transactions |
US10664876B1 (en) | 2013-06-20 | 2020-05-26 | Groupon, Inc. | Method and apparatus for promotion template generation |
US10304091B1 (en) | 2012-04-30 | 2019-05-28 | Groupon, Inc. | Deal generation using point-of-sale systems and related methods |
US10304093B2 (en) | 2013-01-24 | 2019-05-28 | Groupon, Inc. | Method, apparatus, and computer readable medium for providing a self-service interface |
US10664861B1 (en) | 2012-03-30 | 2020-05-26 | Groupon, Inc. | Generating promotion offers and providing analytics data |
US10255620B1 (en) | 2013-06-27 | 2019-04-09 | Groupon, Inc. | Fine print builder |
US9996859B1 (en) | 2012-03-30 | 2018-06-12 | Groupon, Inc. | Method, apparatus, and computer readable medium for providing a self-service interface |
US10147130B2 (en) | 2012-09-27 | 2018-12-04 | Groupon, Inc. | Online ordering for in-shop service |
US10192243B1 (en) | 2013-06-10 | 2019-01-29 | Groupon, Inc. | Method and apparatus for determining promotion pricing parameters |
US20130268378A1 (en) * | 2012-04-06 | 2013-10-10 | Microsoft Corporation | Transaction validation between a mobile communication device and a terminal using location data |
US8774721B2 (en) | 2012-04-10 | 2014-07-08 | Google Inc. | Detecting a communication tap via signal monitoring |
US11386461B2 (en) | 2012-04-30 | 2022-07-12 | Groupon, Inc. | Deal generation using point-of-sale systems and related methods |
CN106879047B (en) | 2012-05-02 | 2020-06-09 | 阿里巴巴集团控股有限公司 | Method for near-field information transfer, information transmission and receiving client and information system |
US8949974B2 (en) * | 2012-05-11 | 2015-02-03 | Tyfone, Inc. | Mobile device with password protected desktop screen |
CN103457729A (en) * | 2012-05-31 | 2013-12-18 | 阿里巴巴集团控股有限公司 | Safety equipment, service terminal and encryption method |
EP2672442A1 (en) | 2012-06-05 | 2013-12-11 | Nxp B.V. | Multi-protocol communication circuit |
US10572915B2 (en) * | 2012-06-22 | 2020-02-25 | International Business Machines Corporation | Transaction management based on individual orders or number of devices at table for desired distribution |
US20140012704A1 (en) | 2012-07-05 | 2014-01-09 | Google Inc. | Selecting a preferred payment instrument based on a merchant category |
US9959567B2 (en) * | 2012-07-12 | 2018-05-01 | Sears Brands, Llc | Systems and methods of targeted interactions for integrated retail applications |
US9052896B2 (en) * | 2012-07-20 | 2015-06-09 | Facebook, Inc. | Adjusting mobile device state based on user intentions and/or identity |
CA2880029C (en) * | 2012-07-25 | 2018-01-09 | Ebay Inc. | Electronic payments to non-internet connected devices systems and methods |
US8676709B2 (en) | 2012-07-31 | 2014-03-18 | Google Inc. | Merchant category codes in a proxy card transaction |
WO2014019026A1 (en) * | 2012-07-31 | 2014-02-06 | Misolutions Pty Ltd | Electronic transction system and method |
US20140052532A1 (en) | 2012-08-17 | 2014-02-20 | Google Inc. | Portable device wireless reader and payment transaction terminal functionality with other portable devices |
WO2014030959A1 (en) * | 2012-08-24 | 2014-02-27 | Samsung Electronics Co., Ltd. | Information providing method, mobile terminal and display device for the same |
US20140074655A1 (en) * | 2012-09-07 | 2014-03-13 | David Lim | System, apparatus and methods for online one-tap account addition and checkout |
US9734365B2 (en) | 2012-09-10 | 2017-08-15 | Avery Dennison Retail Information Services, Llc | Method for preventing unauthorized diversion of NFC tags |
US10891599B2 (en) | 2012-09-12 | 2021-01-12 | Microsoft Technology Licensing, Llc | Use of state objects in near field communication (NFC) transactions |
KR101825157B1 (en) | 2012-09-18 | 2018-03-14 | 구글 엘엘씨 | Systems, methods, and computer program products for interfacing multiple service provider trusted service managers and secure elements |
US20140095275A1 (en) * | 2012-09-30 | 2014-04-03 | Jason R. Fosback | Promotional code distribution using mobile devices |
US8792936B2 (en) | 2012-10-01 | 2014-07-29 | Xerox Corporation | Establishing communication between devices using close proximity protocol |
US8959032B2 (en) | 2012-10-10 | 2015-02-17 | Quisk, Inc. | Self-authenticating peer to peer transaction |
US20140108247A1 (en) | 2012-10-17 | 2014-04-17 | Groupon, Inc. | Peer-To-Peer Payment Processing |
US10235692B2 (en) | 2012-10-17 | 2019-03-19 | Groupon, Inc. | Consumer presence based deal offers |
US10540527B2 (en) | 2012-10-18 | 2020-01-21 | Avery Dennison Retail Information Services Llc | Method, system and apparatus for NFC security |
TW201417610A (en) * | 2012-10-31 | 2014-05-01 | Hon Hai Prec Ind Co Ltd | System and method for performing NFC functions in Wi-Fi apparatus |
US9634726B2 (en) * | 2012-11-02 | 2017-04-25 | Google Inc. | Seamless tethering setup between phone and laptop using peer-to-peer mechanisms |
US10057400B1 (en) | 2012-11-02 | 2018-08-21 | Majen Tech, LLC | Lock screen interface for a mobile device apparatus |
CN110351693A (en) | 2012-11-19 | 2019-10-18 | 艾利丹尼森公司 | Disable unwarranted NFC security system and method |
US9277394B2 (en) * | 2012-11-29 | 2016-03-01 | Paypal, Inc. | Nomination of a primary cell phone from a pool of cell phones |
US20140187147A1 (en) | 2012-12-27 | 2014-07-03 | Haim Rochberger | Method and system of generating nfc-transaction remotely |
CA3053278C (en) * | 2013-02-08 | 2023-05-09 | Schlage Lock Company Llc | Control system and method |
US20140229375A1 (en) | 2013-02-11 | 2014-08-14 | Groupon, Inc. | Consumer device payment token management |
US9264905B2 (en) | 2013-02-21 | 2016-02-16 | Digi International Inc. | Establishing secure connection between mobile computing device and wireless hub using security credentials obtained from remote security credential server |
US9092767B1 (en) | 2013-03-04 | 2015-07-28 | Google Inc. | Selecting a preferred payment instrument |
US20140253540A1 (en) * | 2013-03-07 | 2014-09-11 | Yoav DORI | Method and system of incorporating real world objects into a virtual environment |
US9852409B2 (en) | 2013-03-11 | 2017-12-26 | Groupon, Inc. | Consumer device based point-of-sale |
US9576286B1 (en) | 2013-03-11 | 2017-02-21 | Groupon, Inc. | Consumer device based point-of-sale |
US9270649B1 (en) * | 2013-03-11 | 2016-02-23 | Emc Corporation | Secure software authenticator data transfer between processing devices |
US10482511B1 (en) | 2013-03-12 | 2019-11-19 | Groupon, Inc. | Employee profile for customer assignment, analytics and payments |
US20140266624A1 (en) * | 2013-03-15 | 2014-09-18 | Motorola Mobility Llc | Wearable Authentication Device |
EP2974418B1 (en) * | 2013-03-15 | 2022-05-11 | Entrust, Inc. | Method and apparatus for remote portable wireless device authentication |
CN104065399B (en) * | 2013-03-20 | 2017-09-01 | 华为终端有限公司 | Consult method, equipment and the system of mode of operation |
KR20140118111A (en) * | 2013-03-28 | 2014-10-08 | 삼성전자주식회사 | Method for displaying contact information in electronic device |
US9391983B2 (en) * | 2013-04-27 | 2016-07-12 | Tencent Technology (Shenzhen) Company Limited | Method and system for access control |
US20140337235A1 (en) | 2013-05-08 | 2014-11-13 | The Toronto-Dominion Bank | Person-to-person electronic payment processing |
DE102013105781A1 (en) * | 2013-06-05 | 2014-12-11 | Ralf Sommer | Method for addressing, authentication and secure data storage in computer systems |
CN104239803B (en) * | 2013-06-06 | 2017-08-25 | 中国银联股份有限公司 | The safety information interaction method shifted for e-sourcing |
CN104240075A (en) * | 2013-06-07 | 2014-12-24 | 中兴通讯股份有限公司 | Financial card, mobile terminal and mobile payment system |
US8977201B1 (en) | 2013-06-11 | 2015-03-10 | Google Inc. | Techniques for using near field communication to add a person to an email thread |
US20140365358A1 (en) * | 2013-06-11 | 2014-12-11 | Yuji Higaki | Methods and systems for context-based check-out flows using a pass-through payment gateway |
CN104253840B (en) * | 2013-06-28 | 2017-12-12 | 中国银联股份有限公司 | For the device and its communication means for supporting to communicate between polytype safety barrier |
US20150026296A1 (en) * | 2013-07-18 | 2015-01-22 | Bernard B. HALPERN | Interactive giftware system and method |
US9037082B2 (en) * | 2013-08-28 | 2015-05-19 | Ebay Inc. | Wireless technology bridging system |
JP2016535361A (en) * | 2013-08-28 | 2016-11-10 | バージン パルス インコーポレイテッド | Activity tracker |
US9864976B2 (en) * | 2013-09-10 | 2018-01-09 | Simple Finance Technology Corp. | Transferring funds between financial accounts of two accountholders |
CN104469705A (en) * | 2013-09-18 | 2015-03-25 | 中兴通讯股份有限公司 | Method for sending message, server, and terminal |
US9928493B2 (en) | 2013-09-27 | 2018-03-27 | Groupon, Inc. | Systems and methods for providing consumer facing point-of-sale interfaces |
SE537718C2 (en) | 2013-10-11 | 2015-10-06 | Fidesmo Ab | Identification of service providers for integrating a secure element into a short-range type wireless communication device |
US10033530B2 (en) * | 2013-11-08 | 2018-07-24 | International Business Machines Corporation | Executing electronic contract on NFC enabled mobile devices |
US20150149291A1 (en) * | 2013-11-26 | 2015-05-28 | Najla Ferraz Abdala | Magnetic card transaction system based in cloud computing and simulated magnetic cards |
US10380564B1 (en) * | 2013-12-05 | 2019-08-13 | Square, Inc. | Merchant performed banking-type transactions |
CN103729794A (en) * | 2013-12-17 | 2014-04-16 | 深圳怡化电脑股份有限公司 | Electronic currency circulating method |
US20150178726A1 (en) * | 2013-12-23 | 2015-06-25 | Tencent Technology (Shenzhen) Company Limited | System and method for mobile payment authentication |
US10148749B2 (en) * | 2014-02-04 | 2018-12-04 | Dell Products L.P. | Local connection and sharing system |
US9858572B2 (en) | 2014-02-06 | 2018-01-02 | Google Llc | Dynamic alteration of track data |
US10599831B2 (en) | 2014-02-07 | 2020-03-24 | Snowshoefood Inc. | Increased security method for hardware-tool-based authentication |
US11282131B2 (en) | 2014-03-31 | 2022-03-22 | Monticello Enterprises LLC | User device enabling access to payment information in response to user input |
US10511580B2 (en) | 2014-03-31 | 2019-12-17 | Monticello Enterprises LLC | System and method for providing a social media shopping experience |
WO2015153726A1 (en) * | 2014-04-01 | 2015-10-08 | Snowshoefood, Inc. | Methods for enabling real-time digital object and tangible object interactions |
US9400977B2 (en) | 2014-05-29 | 2016-07-26 | Apple Inc. | User device enabling access to payment information in response to mechanical input detection |
CN105321068A (en) * | 2014-06-17 | 2016-02-10 | 中国电信股份有限公司 | Method and system for transferring between intelligent terminals with NFC functions |
EP3162163B1 (en) | 2014-06-30 | 2020-04-01 | Telefonaktiebolaget LM Ericsson (publ) | Methods and devices for supporting transfer processes of data in wireless communications network |
JP6747290B2 (en) * | 2014-07-15 | 2020-08-26 | ソニー株式会社 | Information processing device, state control device, information processing method, state control method, and program |
CN105282202B (en) * | 2014-07-22 | 2019-05-10 | 中国银联股份有限公司 | Resource management system and equipment based on near-field communication |
CN104217326A (en) * | 2014-08-14 | 2014-12-17 | 陈业军 | Electronic payment, consumption method and system based on NFC (near field communication) |
US9780837B2 (en) | 2014-08-29 | 2017-10-03 | Freelinc Technologies | Spatially enabled secure communications |
DK3191997T3 (en) | 2014-09-08 | 2020-05-04 | Snowshoefood Inc | Hybrid Hardware Authentication Systems and Methods |
US9449318B2 (en) * | 2014-10-01 | 2016-09-20 | Paypal, Inc. | Systems and methods for providing payment hotspots |
CN104240074B (en) * | 2014-10-11 | 2018-02-13 | 上海众人网络安全技术有限公司 | The online payment system of prepaid card and its method of payment of identity-based certification |
US9985699B1 (en) | 2014-12-16 | 2018-05-29 | Blazer and Flip Flops, Inc. | NFC center |
US10580011B1 (en) | 2014-12-17 | 2020-03-03 | Blazer and Flip Flops, Inc. | NFC-based options selection |
US10262311B1 (en) | 2014-12-17 | 2019-04-16 | Blazer and Flip Flops, Inc. | NFC-based payments tagging |
US10262318B1 (en) | 2014-12-17 | 2019-04-16 | Blazer and Flip Flops, Inc. | Eligibility verification for real-time offers |
US10679207B1 (en) | 2014-12-17 | 2020-06-09 | Blazer and Flip Flops, Inc. | Bill splitting and account delegation for NFC |
US11062375B1 (en) | 2014-12-17 | 2021-07-13 | Blazer and Flip Flops, Inc. | Automatic shopping based on historical data |
CN104537533A (en) * | 2014-12-25 | 2015-04-22 | 李思贤 | Short distance induction type payment method and system |
US10164685B2 (en) | 2014-12-31 | 2018-12-25 | Freelinc Technologies Inc. | Spatially aware wireless network |
US20160210634A1 (en) * | 2015-01-19 | 2016-07-21 | Enet It Group, Llc | Method and system for processing payments |
US11216468B2 (en) | 2015-02-08 | 2022-01-04 | Visa International Service Association | Converged merchant processing apparatuses, methods and systems |
KR102371943B1 (en) * | 2015-02-24 | 2022-03-08 | 삼성전자 주식회사 | Handheld electronic device capable of magnetic field communication and payment method using the same |
US10832235B2 (en) * | 2015-03-10 | 2020-11-10 | Paypal, Inc. | Image based MMS transactions mechanism |
US10769606B2 (en) | 2015-03-23 | 2020-09-08 | Early Warning Services, Llc | Payment real-time funds availability |
US10748127B2 (en) | 2015-03-23 | 2020-08-18 | Early Warning Services, Llc | Payment real-time funds availability |
US10832246B2 (en) | 2015-03-23 | 2020-11-10 | Early Warning Services, Llc | Payment real-time funds availability |
US10839359B2 (en) | 2015-03-23 | 2020-11-17 | Early Warning Services, Llc | Payment real-time funds availability |
US10878387B2 (en) | 2015-03-23 | 2020-12-29 | Early Warning Services, Llc | Real-time determination of funds availability for checks and ACH items |
US9980304B2 (en) | 2015-04-03 | 2018-05-22 | Google Llc | Adaptive on-demand tethering |
US10321317B1 (en) * | 2015-06-04 | 2019-06-11 | American Megatrends, Inc. | NFC-enhanced firmware security |
US11157884B2 (en) | 2015-07-21 | 2021-10-26 | Early Warning Services, Llc | Secure transactions with offline device |
US10970695B2 (en) | 2015-07-21 | 2021-04-06 | Early Warning Services, Llc | Secure real-time transactions |
US11386410B2 (en) | 2015-07-21 | 2022-07-12 | Early Warning Services, Llc | Secure transactions with offline device |
US11151522B2 (en) | 2015-07-21 | 2021-10-19 | Early Warning Services, Llc | Secure transactions with offline device |
US11151523B2 (en) | 2015-07-21 | 2021-10-19 | Early Warning Services, Llc | Secure transactions with offline device |
US10963856B2 (en) | 2015-07-21 | 2021-03-30 | Early Warning Services, Llc | Secure real-time transactions |
US11037122B2 (en) | 2015-07-21 | 2021-06-15 | Early Warning Services, Llc | Secure real-time transactions |
US10956888B2 (en) | 2015-07-21 | 2021-03-23 | Early Warning Services, Llc | Secure real-time transactions |
US10438175B2 (en) | 2015-07-21 | 2019-10-08 | Early Warning Services, Llc | Secure real-time payment transactions |
US11037121B2 (en) | 2015-07-21 | 2021-06-15 | Early Warning Services, Llc | Secure real-time transactions |
US11062290B2 (en) | 2015-07-21 | 2021-07-13 | Early Warning Services, Llc | Secure real-time transactions |
CN106535082B (en) * | 2015-09-09 | 2021-07-06 | 腾讯科技(深圳)有限公司 | Data processing method, device and system |
US9699597B2 (en) * | 2015-12-07 | 2017-07-04 | Google Inc. | Wireless signal forwarding |
US20170193468A1 (en) * | 2015-12-30 | 2017-07-06 | Paypal, Inc. | Peer-to-peer mobile transaction device |
US20170345043A1 (en) * | 2016-05-31 | 2017-11-30 | Ncr Corporation | Contactless identification and locating |
US10621581B2 (en) | 2016-06-11 | 2020-04-14 | Apple Inc. | User interface for transactions |
US11151567B2 (en) | 2016-09-19 | 2021-10-19 | Early Warning Services, Llc | Authentication and fraud prevention in provisioning a mobile wallet |
US20180121892A1 (en) * | 2016-11-03 | 2018-05-03 | International Business Machines Corporation | Automated Payments using a Cryptocurrency Address Embedded in a Passive Radio-Frequency Identification (RFID) Device |
US10373146B2 (en) | 2016-12-29 | 2019-08-06 | Capital One Services, Llc | Smart card NFC secure money transfer |
US11468439B2 (en) * | 2017-01-12 | 2022-10-11 | American Express Travel Related Services Company, Inc. | Systems and methods for blockchain based proof of payment |
US20180247465A1 (en) * | 2017-02-28 | 2018-08-30 | Mastercard International Incorporated | Methods and systems for offering universal access to mass transit systems using mobile devices |
US10621825B2 (en) * | 2017-04-07 | 2020-04-14 | Japan Cash Machine Co., Ltd. | Device, system, and method for facilitating communications between electronic gaming machines and mobile devices |
US10755330B1 (en) | 2017-04-19 | 2020-08-25 | Payray Inc. | Geo detection systems and methods |
US10796294B2 (en) | 2017-05-16 | 2020-10-06 | Apple Inc. | User interfaces for peer-to-peer transfers |
US11221744B2 (en) | 2017-05-16 | 2022-01-11 | Apple Inc. | User interfaces for peer-to-peer transfers |
JP6414283B2 (en) * | 2017-06-28 | 2018-10-31 | ブラザー工業株式会社 | Communication device |
US10453056B2 (en) | 2017-06-29 | 2019-10-22 | Square, Inc. | Secure account creation |
US10104525B1 (en) * | 2017-07-24 | 2018-10-16 | GM Global Technology Operations LLC | NFC-enabled systems, methods and devices for wireless vehicle communication |
US10474332B2 (en) | 2018-01-02 | 2019-11-12 | Bank Of America Corporation | Multi-use resource interaction projection system |
CN111860020A (en) | 2018-04-25 | 2020-10-30 | 创新先进技术有限公司 | Service processing method, device and equipment |
US10546444B2 (en) | 2018-06-21 | 2020-01-28 | Capital One Services, Llc | Systems and methods for secure read-only authentication |
CN109246188B (en) * | 2018-08-03 | 2022-04-29 | 银联数据服务有限公司 | System supporting multi-channel transaction and multi-channel transaction processing method |
US11429704B2 (en) | 2018-09-18 | 2022-08-30 | Apple Inc. | Packaging with automatic authentication system for packaged product |
US11216806B2 (en) * | 2018-09-19 | 2022-01-04 | Capital One Services, Llc | Systems and methods for providing card interactions |
US10395244B1 (en) * | 2018-09-19 | 2019-08-27 | Capital One Services, Llc | Systems and methods for providing card interactions |
KR20210069033A (en) | 2018-10-02 | 2021-06-10 | 캐피탈 원 서비시즈, 엘엘씨 | System and method for cryptographic authentication of contactless card |
US10909527B2 (en) | 2018-10-02 | 2021-02-02 | Capital One Services, Llc | Systems and methods for performing a reissue of a contactless card |
KR20210066798A (en) | 2018-10-02 | 2021-06-07 | 캐피탈 원 서비시즈, 엘엘씨 | System and method for cryptographic authentication of contactless card |
US10511443B1 (en) | 2018-10-02 | 2019-12-17 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10565587B1 (en) | 2018-10-02 | 2020-02-18 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10489781B1 (en) | 2018-10-02 | 2019-11-26 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072474A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10554411B1 (en) | 2018-10-02 | 2020-02-04 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072670A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10581611B1 (en) | 2018-10-02 | 2020-03-03 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
JP2022501861A (en) | 2018-10-02 | 2022-01-06 | キャピタル・ワン・サービシーズ・リミテッド・ライアビリティ・カンパニーCapital One Services, LLC | Systems and methods for cryptographic authentication of non-contact cards |
KR20210065961A (en) | 2018-10-02 | 2021-06-04 | 캐피탈 원 서비시즈, 엘엘씨 | System and method for cryptographic authentication of contactless card |
US10949520B2 (en) | 2018-10-02 | 2021-03-16 | Capital One Services, Llc | Systems and methods for cross coupling risk analytics and one-time-passcodes |
US10542036B1 (en) | 2018-10-02 | 2020-01-21 | Capital One Services, Llc | Systems and methods for signaling an attack on contactless cards |
US10623393B1 (en) | 2018-10-02 | 2020-04-14 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
SG11202102543WA (en) | 2018-10-02 | 2021-04-29 | Capital One Services Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072440A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10607214B1 (en) | 2018-10-02 | 2020-03-31 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
WO2020072537A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10505738B1 (en) | 2018-10-02 | 2019-12-10 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10592710B1 (en) | 2018-10-02 | 2020-03-17 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US11210664B2 (en) | 2018-10-02 | 2021-12-28 | Capital One Services, Llc | Systems and methods for amplifying the strength of cryptographic algorithms |
US10733645B2 (en) | 2018-10-02 | 2020-08-04 | Capital One Services, Llc | Systems and methods for establishing identity for order pick up |
CA3115252A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10579998B1 (en) | 2018-10-02 | 2020-03-03 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10771254B2 (en) | 2018-10-02 | 2020-09-08 | Capital One Services, Llc | Systems and methods for email-based card activation |
US10771253B2 (en) | 2018-10-02 | 2020-09-08 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
KR20210069643A (en) | 2018-10-02 | 2021-06-11 | 캐피탈 원 서비시즈, 엘엘씨 | System and method for cryptographic authentication of contactless card |
CA3115064A1 (en) | 2018-10-02 | 2020-04-09 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US10582386B1 (en) | 2018-10-02 | 2020-03-03 | Capital One Services, Llc | Systems and methods for cryptographic authentication of contactless cards |
US11361302B2 (en) | 2019-01-11 | 2022-06-14 | Capital One Services, Llc | Systems and methods for touch screen interface interaction using a card overlay |
US11037136B2 (en) | 2019-01-24 | 2021-06-15 | Capital One Services, Llc | Tap to autofill card data |
US11120453B2 (en) | 2019-02-01 | 2021-09-14 | Capital One Services, Llc | Tap card to securely generate card data to copy to clipboard |
US10467622B1 (en) * | 2019-02-01 | 2019-11-05 | Capital One Services, Llc | Using on-demand applications to generate virtual numbers for a contactless card to securely autofill forms |
US10510074B1 (en) | 2019-02-01 | 2019-12-17 | Capital One Services, Llc | One-tap payment using a contactless card |
US10425129B1 (en) | 2019-02-27 | 2019-09-24 | Capital One Services, Llc | Techniques to reduce power consumption in near field communication systems |
US10807766B2 (en) | 2019-03-15 | 2020-10-20 | Apple Inc. | Packaging with radio-frequency authentication system for packaged product |
US10523708B1 (en) | 2019-03-18 | 2019-12-31 | Capital One Services, Llc | System and method for second factor authentication of customer support calls |
US10438437B1 (en) | 2019-03-20 | 2019-10-08 | Capital One Services, Llc | Tap to copy data to clipboard via NFC |
US10643420B1 (en) | 2019-03-20 | 2020-05-05 | Capital One Services, Llc | Contextual tapping engine |
US10535062B1 (en) | 2019-03-20 | 2020-01-14 | Capital One Services, Llc | Using a contactless card to securely share personal data stored in a blockchain |
US10984416B2 (en) | 2019-03-20 | 2021-04-20 | Capital One Services, Llc | NFC mobile currency transfer |
US10970712B2 (en) | 2019-03-21 | 2021-04-06 | Capital One Services, Llc | Delegated administration of permissions using a contactless card |
US10467445B1 (en) | 2019-03-28 | 2019-11-05 | Capital One Services, Llc | Devices and methods for contactless card alignment with a foldable mobile device |
US11521262B2 (en) | 2019-05-28 | 2022-12-06 | Capital One Services, Llc | NFC enhanced augmented reality information overlays |
EP3981108A1 (en) * | 2019-06-04 | 2022-04-13 | Telefonaktiebolaget Lm Ericsson (Publ) | Managing a charging operation in a communication network |
US10516447B1 (en) | 2019-06-17 | 2019-12-24 | Capital One Services, Llc | Dynamic power levels in NFC card communications |
US11392933B2 (en) | 2019-07-03 | 2022-07-19 | Capital One Services, Llc | Systems and methods for providing online and hybridcard interactions |
US10871958B1 (en) | 2019-07-03 | 2020-12-22 | Capital One Services, Llc | Techniques to perform applet programming |
US11694187B2 (en) | 2019-07-03 | 2023-07-04 | Capital One Services, Llc | Constraining transactional capabilities for contactless cards |
US10713649B1 (en) | 2019-07-09 | 2020-07-14 | Capital One Services, Llc | System and method enabling mobile near-field communication to update display on a payment card |
US10885514B1 (en) | 2019-07-15 | 2021-01-05 | Capital One Services, Llc | System and method for using image data to trigger contactless card transactions |
US10498401B1 (en) | 2019-07-15 | 2019-12-03 | Capital One Services, Llc | System and method for guiding card positioning using phone sensors |
US10733601B1 (en) | 2019-07-17 | 2020-08-04 | Capital One Services, Llc | Body area network facilitated authentication or payment authorization |
US10832271B1 (en) | 2019-07-17 | 2020-11-10 | Capital One Services, Llc | Verified reviews using a contactless card |
US11182771B2 (en) * | 2019-07-17 | 2021-11-23 | Capital One Services, Llc | System for value loading onto in-vehicle device |
US11521213B2 (en) | 2019-07-18 | 2022-12-06 | Capital One Services, Llc | Continuous authentication for digital services based on contactless card positioning |
US10506426B1 (en) | 2019-07-19 | 2019-12-10 | Capital One Services, Llc | Techniques for call authentication |
US10541995B1 (en) | 2019-07-23 | 2020-01-21 | Capital One Services, Llc | First factor contactless card authentication system and method |
EP4038587A4 (en) | 2019-10-02 | 2023-06-07 | Capital One Services, LLC | Client device authentication using contactless legacy magnetic stripe data |
US10885410B1 (en) | 2019-12-23 | 2021-01-05 | Capital One Services, Llc | Generating barcodes utilizing cryptographic techniques |
US10733283B1 (en) | 2019-12-23 | 2020-08-04 | Capital One Services, Llc | Secure password generation and management using NFC and contactless smart cards |
US11651361B2 (en) | 2019-12-23 | 2023-05-16 | Capital One Services, Llc | Secure authentication based on passport data stored in a contactless card |
US10657754B1 (en) | 2019-12-23 | 2020-05-19 | Capital One Services, Llc | Contactless card and personal identification system |
US10862540B1 (en) | 2019-12-23 | 2020-12-08 | Capital One Services, Llc | Method for mapping NFC field strength and location on mobile devices |
US11615395B2 (en) | 2019-12-23 | 2023-03-28 | Capital One Services, Llc | Authentication for third party digital wallet provisioning |
US11113685B2 (en) | 2019-12-23 | 2021-09-07 | Capital One Services, Llc | Card issuing with restricted virtual numbers |
US10664941B1 (en) | 2019-12-24 | 2020-05-26 | Capital One Services, Llc | Steganographic image encoding of biometric template information on a card |
US10853795B1 (en) | 2019-12-24 | 2020-12-01 | Capital One Services, Llc | Secure authentication based on identity data stored in a contactless card |
US11200563B2 (en) | 2019-12-24 | 2021-12-14 | Capital One Services, Llc | Account registration using a contactless card |
US10757574B1 (en) | 2019-12-26 | 2020-08-25 | Capital One Services, Llc | Multi-factor authentication providing a credential via a contactless card for secure messaging |
US10909544B1 (en) | 2019-12-26 | 2021-02-02 | Capital One Services, Llc | Accessing and utilizing multiple loyalty point accounts |
US11038688B1 (en) | 2019-12-30 | 2021-06-15 | Capital One Services, Llc | Techniques to control applets for contactless cards |
US11455620B2 (en) | 2019-12-31 | 2022-09-27 | Capital One Services, Llc | Tapping a contactless card to a computing device to provision a virtual number |
US10860914B1 (en) | 2019-12-31 | 2020-12-08 | Capital One Services, Llc | Contactless card and method of assembly |
US11153729B2 (en) * | 2020-01-20 | 2021-10-19 | Amanda Cobb | Tag and tap™ |
US11153428B2 (en) | 2020-03-02 | 2021-10-19 | Capital One Services, Llc | Systems, methods, and computer-accessible mediums for repressing or turning off the read of a digital tag |
US11210656B2 (en) | 2020-04-13 | 2021-12-28 | Capital One Services, Llc | Determining specific terms for contactless card activation |
US10915888B1 (en) | 2020-04-30 | 2021-02-09 | Capital One Services, Llc | Contactless card with multiple rotating security keys |
US10861006B1 (en) | 2020-04-30 | 2020-12-08 | Capital One Services, Llc | Systems and methods for data access control using a short-range transceiver |
US11030339B1 (en) | 2020-04-30 | 2021-06-08 | Capital One Services, Llc | Systems and methods for data access control of personal user data using a short-range transceiver |
US11222342B2 (en) | 2020-04-30 | 2022-01-11 | Capital One Services, Llc | Accurate images in graphical user interfaces to enable data transfer |
US11823175B2 (en) | 2020-04-30 | 2023-11-21 | Capital One Services, Llc | Intelligent card unlock |
US10963865B1 (en) | 2020-05-12 | 2021-03-30 | Capital One Services, Llc | Augmented reality card activation experience |
US11063979B1 (en) | 2020-05-18 | 2021-07-13 | Capital One Services, Llc | Enabling communications between applications in a mobile operating system |
US11100511B1 (en) | 2020-05-18 | 2021-08-24 | Capital One Services, Llc | Application-based point of sale system in mobile operating systems |
US11763288B2 (en) * | 2020-05-18 | 2023-09-19 | Galatea Technology LLC | NFC-ring-based terminal-less payment system |
EP3913559A1 (en) * | 2020-05-20 | 2021-11-24 | Accenture Global Solutions Limited | Controlling and monitoring devices using near field communication |
US11062098B1 (en) | 2020-08-11 | 2021-07-13 | Capital One Services, Llc | Augmented reality information display and interaction via NFC based authentication |
US11165586B1 (en) | 2020-10-30 | 2021-11-02 | Capital One Services, Llc | Call center web-based authentication using a contactless card |
US11482312B2 (en) | 2020-10-30 | 2022-10-25 | Capital One Services, Llc | Secure verification of medical status using a contactless card |
US11373169B2 (en) | 2020-11-03 | 2022-06-28 | Capital One Services, Llc | Web-based activation of contactless cards |
US11216799B1 (en) | 2021-01-04 | 2022-01-04 | Capital One Services, Llc | Secure generation of one-time passcodes using a contactless card |
US11682012B2 (en) | 2021-01-27 | 2023-06-20 | Capital One Services, Llc | Contactless delivery systems and methods |
US11792001B2 (en) | 2021-01-28 | 2023-10-17 | Capital One Services, Llc | Systems and methods for secure reprovisioning |
US11687930B2 (en) | 2021-01-28 | 2023-06-27 | Capital One Services, Llc | Systems and methods for authentication of access tokens |
US11562358B2 (en) | 2021-01-28 | 2023-01-24 | Capital One Services, Llc | Systems and methods for near field contactless card communication and cryptographic authentication |
US11438329B2 (en) | 2021-01-29 | 2022-09-06 | Capital One Services, Llc | Systems and methods for authenticated peer-to-peer data transfer using resource locators |
US11777933B2 (en) | 2021-02-03 | 2023-10-03 | Capital One Services, Llc | URL-based authentication for payment cards |
US11637826B2 (en) | 2021-02-24 | 2023-04-25 | Capital One Services, Llc | Establishing authentication persistence |
US11245438B1 (en) | 2021-03-26 | 2022-02-08 | Capital One Services, Llc | Network-enabled smart apparatus and systems and methods for activating and provisioning same |
US11935035B2 (en) | 2021-04-20 | 2024-03-19 | Capital One Services, Llc | Techniques to utilize resource locators by a contactless card to perform a sequence of operations |
US11961089B2 (en) | 2021-04-20 | 2024-04-16 | Capital One Services, Llc | On-demand applications to extend web services |
US11902442B2 (en) | 2021-04-22 | 2024-02-13 | Capital One Services, Llc | Secure management of accounts on display devices using a contactless card |
US11354555B1 (en) | 2021-05-04 | 2022-06-07 | Capital One Services, Llc | Methods, mediums, and systems for applying a display to a transaction card |
CN113490193A (en) * | 2021-07-28 | 2021-10-08 | 中国第一汽车股份有限公司 | Vehicle control method, device, equipment and storage medium |
US20230196417A1 (en) * | 2021-12-16 | 2023-06-22 | Blake Hicks | System, method, and graphical user interface for integrating digital tickets with promotional and editorial references and content |
US11431793B1 (en) | 2022-02-04 | 2022-08-30 | Bank Of America Corporation | System and method using peer-to-peer connections with ultra-wideband for an interaction |
Citations (31)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6175922B1 (en) * | 1996-12-04 | 2001-01-16 | Esign, Inc. | Electronic transaction systems and methods therefor |
US6282656B1 (en) * | 1996-12-04 | 2001-08-28 | Ynjiun Paul Wang | Electronic transaction systems and methods therefor |
US20020023010A1 (en) * | 2000-03-21 | 2002-02-21 | Rittmaster Ted R. | System and process for distribution of information on a communication network |
US20020023215A1 (en) * | 1996-12-04 | 2002-02-21 | Wang Ynjiun P. | Electronic transaction systems and methods therefor |
US20020108062A1 (en) * | 2000-05-15 | 2002-08-08 | Takayuki Nakajima | Authentication system and method |
US20030236120A1 (en) * | 2002-04-19 | 2003-12-25 | Kenneth Reece | Method and device for determining the physical location and identity of a user |
US6850916B1 (en) * | 1998-04-27 | 2005-02-01 | Esignx Corporation | Portable electronic charge and authorization devices and methods therefor |
US6868391B1 (en) * | 1997-04-15 | 2005-03-15 | Telefonaktiebolaget Lm Ericsson (Publ) | Tele/datacommunications payment method and apparatus |
US6898299B1 (en) * | 1998-09-11 | 2005-05-24 | Juliana H. J. Brooks | Method and system for biometric recognition based on electric and/or magnetic characteristics |
US7107246B2 (en) * | 1998-04-27 | 2006-09-12 | Esignx Corporation | Methods of exchanging secure messages |
US20060258397A1 (en) * | 2005-05-10 | 2006-11-16 | Kaplan Mark M | Integrated mobile application server and communication gateway |
US20070055632A1 (en) * | 2003-03-11 | 2007-03-08 | Christian Hogl | Method And System For Initiating And/Or Conducting A Transaction That Is Associated With At Least Two Corresponding Declarations Of Intent |
US20070171880A1 (en) * | 2006-01-24 | 2007-07-26 | Samir Ismail | System and method for providing data to a wireless communication device |
US20070188323A1 (en) * | 2006-01-26 | 2007-08-16 | Microsoft Corporation | Motion Detection Notification |
US20070213045A1 (en) * | 2006-03-10 | 2007-09-13 | Jonas Gunnar Hermansson | Electronic equipment with data transfer function using motion and method |
US20070250447A1 (en) * | 2004-10-25 | 2007-10-25 | Koninklijke Philips Electronics, N.V. | Method And Apparatus For Boostrapping Mobile A/V Jukeboxes |
US7303120B2 (en) * | 2001-07-10 | 2007-12-04 | American Express Travel Related Services Company, Inc. | System for biometric security using a FOB |
US20080046570A1 (en) * | 2006-08-17 | 2008-02-21 | Microsoft Corporation | Web format-based wireless communications |
US20080195735A1 (en) * | 2007-01-25 | 2008-08-14 | Microsoft Corporation | Motion Triggered Data Transfer |
US20080212779A1 (en) * | 2005-01-21 | 2008-09-04 | Koninklijke Philips Electronics, N.V. | Ordering Content by Mobile Phone to be Played on Consumer Devices |
US7500607B2 (en) * | 2003-12-23 | 2009-03-10 | First Data Corporation | System for managing risk of financial transactions with location information |
US20090111378A1 (en) * | 2007-10-31 | 2009-04-30 | Motorola, Inc. | Devices and methods for content sharing |
US7543738B1 (en) * | 2001-07-10 | 2009-06-09 | American Express Travel Related Services Company, Inc. | System and method for secure transactions manageable by a transaction account provider |
US20090177530A1 (en) * | 2007-12-14 | 2009-07-09 | Qualcomm Incorporated | Near field communication transactions in a mobile environment |
US20100042954A1 (en) * | 2008-08-12 | 2010-02-18 | Apple Inc. | Motion based input selection |
US20100082445A1 (en) * | 2008-09-30 | 2010-04-01 | Apple Inc. | Smart menu options |
US7690577B2 (en) * | 2001-07-10 | 2010-04-06 | Blayn W Beenau | Registering a biometric for radio frequency transactions |
US20100169817A1 (en) * | 2008-12-31 | 2010-07-01 | Roy Want | Method and apparatus for context enhanced wireless discovery |
US20100167646A1 (en) * | 2008-12-30 | 2010-07-01 | Motorola, Inc. | Method and apparatus for device pairing |
US7761374B2 (en) * | 2003-08-18 | 2010-07-20 | Visa International Service Association | Method and system for generating a dynamic verification value |
US7962369B2 (en) * | 2006-09-29 | 2011-06-14 | Einar Rosenberg | Apparatus and method using near field communications |
Family Cites Families (54)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
FI86124C (en) * | 1990-11-15 | 1992-07-10 | Telenokia Oy | RADIOSAENDARMOTTAGARSYSTEM. |
US7248719B2 (en) * | 1994-11-28 | 2007-07-24 | Indivos Corporation | Tokenless electronic transaction system |
US6901241B2 (en) * | 1998-02-11 | 2005-05-31 | Telefonaktiebolaget L M Ericsson (Publ) | System, method and apparatus for secure transmission of confidential information |
US6331865B1 (en) * | 1998-10-16 | 2001-12-18 | Softbook Press, Inc. | Method and apparatus for electronically distributing and viewing digital contents |
WO2002011019A1 (en) * | 2000-08-01 | 2002-02-07 | First Usa Bank, N.A. | System and method for transponder-enabled account transactions |
US20020080969A1 (en) * | 2000-12-27 | 2002-06-27 | Giobbi John J. | Digital rights management system and method |
US20020116329A1 (en) * | 2001-02-20 | 2002-08-22 | Serbetcioglu Bekir Sami | Systems and methods for approval of credit/debit account transactions using a wireless device |
JP3671881B2 (en) * | 2001-07-18 | 2005-07-13 | ソニー株式会社 | COMMUNICATION SYSTEM AND METHOD, INFORMATION PROCESSING DEVICE AND METHOD, COMMUNICATION TERMINAL AND METHOD, EXPANSION DEVICE, AND PROGRAM |
US7174130B2 (en) * | 2001-09-12 | 2007-02-06 | Agere Systems Inc. | Security apparatus and method during BLUETOOTH pairing |
US20040230489A1 (en) * | 2002-07-26 | 2004-11-18 | Scott Goldthwaite | System and method for mobile payment and fulfillment of digital goods |
US7784684B2 (en) * | 2002-08-08 | 2010-08-31 | Fujitsu Limited | Wireless computer wallet for physical point of sale (POS) transactions |
KR100547855B1 (en) * | 2003-01-14 | 2006-01-31 | 삼성전자주식회사 | Secure communication system and method of a composite mobile communication terminal having a local area communication device |
US7539186B2 (en) * | 2003-03-31 | 2009-05-26 | Motorola, Inc. | Packet filtering for emergency service access in a packet data network communication system |
US7110792B2 (en) * | 2003-05-19 | 2006-09-19 | Einar Rosenberg | Apparatus and method for increased security of wireless transactions |
GB2406925B (en) * | 2003-10-09 | 2007-01-03 | Vodafone Plc | Facilitating and authenticating transactions |
DE10347990A1 (en) * | 2003-10-15 | 2005-06-02 | Giesecke & Devrient Gmbh | Method for processing a cashless payment transaction |
US8170602B2 (en) * | 2003-10-17 | 2012-05-01 | Olympus Corporation | Information acquisition device, information providing device, and information providing system |
JP2005149623A (en) * | 2003-11-17 | 2005-06-09 | Tdk Corp | Magnetic recording medium |
US7597250B2 (en) * | 2003-11-17 | 2009-10-06 | Dpd Patent Trust Ltd. | RFID reader with multiple interfaces |
CN1642148B (en) * | 2004-01-17 | 2012-06-20 | 腾讯科技(深圳)有限公司 | Immediate communication treatment method |
WO2005091182A2 (en) * | 2004-03-19 | 2005-09-29 | Roger Humbel | Mobile telephone all in one remote key or software regulating card for radio bicycle locks, cars, houses, and rfid tags, with authorisation and payment function |
CN101014985A (en) * | 2004-04-05 | 2007-08-08 | 佩兹公司B.V. | System and method of facilitating contactless payment transactions across different payment systems using a common mobile device acting as a stored value device |
JP4670270B2 (en) * | 2004-06-28 | 2011-04-13 | ソニー株式会社 | Communication system and communication apparatus |
CN101065938A (en) * | 2004-09-30 | 2007-10-31 | 皇家飞利浦电子股份有限公司 | Method and device for fast near-field communication |
US7587332B2 (en) * | 2005-03-23 | 2009-09-08 | Cubic Corporation | Directed autoload of contactless stored value card within a transportation system |
JP2006309489A (en) * | 2005-04-28 | 2006-11-09 | Nec Corp | System, server and terminal for settlement, value management unit, mobile communication terminal, settlement method and program |
TWI259385B (en) * | 2005-05-03 | 2006-08-01 | Shooter Digital Co Ltd | Electronic transaction system capable of enhancing transaction security and electronic transaction method thereof |
EP1907976B1 (en) * | 2005-07-25 | 2017-03-15 | Nokia Technologies Oy | Method and device for operating a multifunctional near-field communication device supporting several data formats |
US8103545B2 (en) * | 2005-09-14 | 2012-01-24 | Jumptap, Inc. | Managing payment for sponsored content presented to mobile communication facilities |
US7912458B2 (en) * | 2005-09-14 | 2011-03-22 | Jumptap, Inc. | Interaction analysis and prioritization of mobile content |
US8209344B2 (en) * | 2005-09-14 | 2012-06-26 | Jumptap, Inc. | Embedding sponsored content in mobile applications |
US8195133B2 (en) * | 2005-09-14 | 2012-06-05 | Jumptap, Inc. | Mobile dynamic advertisement creation and placement |
DE602005008982D1 (en) * | 2005-09-30 | 2008-09-25 | Alcatel Lucent | Apparatus and method for system parameter adaptation for radio-based communication systems |
US20080249898A1 (en) * | 2008-06-17 | 2008-10-09 | Novation Science, Llc | Method, system, and apparatus to identify products in proximity to mobile device |
US20070125840A1 (en) * | 2005-12-06 | 2007-06-07 | Boncle, Inc. | Extended electronic wallet management |
US8352323B2 (en) * | 2007-11-30 | 2013-01-08 | Blaze Mobile, Inc. | Conducting an online payment transaction using an NFC enabled mobile communication device |
CN1835007A (en) * | 2006-04-07 | 2006-09-20 | 浙江通普通信技术有限公司 | Mobile payment method based on mobile communication network |
US7907896B2 (en) * | 2006-04-28 | 2011-03-15 | Motorola Mobility, Inc. | Mobile commerce method and device |
US7562813B2 (en) * | 2006-05-10 | 2009-07-21 | First Data Corporation | System and method for activating telephone-based payment instrument |
US7823772B2 (en) * | 2006-08-09 | 2010-11-02 | Verizon Patent And Licensing Inc. | Transaction information mining |
US7886962B2 (en) * | 2006-08-17 | 2011-02-15 | Verizon Patent And Licensing Inc. | Multi-function transaction device |
US8116734B2 (en) * | 2006-08-22 | 2012-02-14 | Verizon Patent And Licensing Inc. | Party identification in a wireless network |
US7991427B2 (en) * | 2006-09-13 | 2011-08-02 | Mformation Technologies, Inc. | System and method to provide application management on wireless data terminals by means of device management agent and dynamic link libraries |
US7965981B2 (en) * | 2006-09-29 | 2011-06-21 | Sony Ericsson Mobile Communications Ab | Device and method for content searching between peer devices |
US20080147548A1 (en) * | 2006-12-13 | 2008-06-19 | Lixian Jiang | Online third party payment system as a guarantor for business transaction safety |
US8190885B2 (en) * | 2006-12-21 | 2012-05-29 | Spansion Llc | Non-volatile memory sub-system integrated with security for storing near field transactions |
US7739193B2 (en) * | 2006-12-27 | 2010-06-15 | Sap Ag | Paying multiple payees through integration of a third-party on-line payment system with an enterprise information technology system |
US10311427B2 (en) * | 2006-12-29 | 2019-06-04 | Google Technology Holdings LLC | Method and system for monitoring secure application execution events during contactless RFID/NFC communication |
US20080177668A1 (en) * | 2007-01-24 | 2008-07-24 | Bruno Delean | Computerized person-to-person payment system and method without use of currency |
US7831141B2 (en) * | 2007-03-29 | 2010-11-09 | Sony Ericsson Mobile Communications Ab | Mobile device with integrated photograph management system |
US8688570B2 (en) * | 2007-04-27 | 2014-04-01 | American Express Travel Related Services Company, Inc. | System and method for performing person-to-person funds transfers via wireless communications |
WO2009039419A1 (en) * | 2007-09-21 | 2009-03-26 | Wireless Dynamics, Inc. | Wireless smart card and integrated personal area network, near field communication and contactless payment system |
CN101290669A (en) * | 2008-04-24 | 2008-10-22 | 北京爱奥时代信息科技有限公司 | NFC mobile phones payment terminal, payment procedure and system |
US8131645B2 (en) * | 2008-09-30 | 2012-03-06 | Apple Inc. | System and method for processing media gifts |
-
2008
- 2008-09-30 US US12/242,627 patent/US9558485B2/en active Active
- 2008-09-30 US US12/241,601 patent/US8233841B2/en active Active
- 2008-09-30 US US12/241,557 patent/US8813182B2/en active Active
- 2008-09-30 US US12/242,667 patent/US20090192912A1/en not_active Abandoned
- 2008-09-30 US US12/242,647 patent/US20090192935A1/en not_active Abandoned
-
2009
- 2009-01-22 WO PCT/US2009/031729 patent/WO2009097215A1/en active Application Filing
- 2009-01-22 CN CN2009801036510A patent/CN101933246A/en active Pending
- 2009-01-22 CN CN201610640267.6A patent/CN106251128A/en active Pending
- 2009-01-22 KR KR1020107019312A patent/KR20100117639A/en not_active Application Discontinuation
-
2014
- 2014-08-12 US US14/457,363 patent/US9224140B2/en active Active
-
2015
- 2015-04-08 US US14/681,900 patent/US20150213436A1/en not_active Abandoned
- 2015-11-30 US US14/955,011 patent/US9552579B2/en active Active
-
2017
- 2017-01-31 US US15/421,307 patent/US10395238B2/en active Active
Patent Citations (31)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US6282656B1 (en) * | 1996-12-04 | 2001-08-28 | Ynjiun Paul Wang | Electronic transaction systems and methods therefor |
US20020023215A1 (en) * | 1996-12-04 | 2002-02-21 | Wang Ynjiun P. | Electronic transaction systems and methods therefor |
US6175922B1 (en) * | 1996-12-04 | 2001-01-16 | Esign, Inc. | Electronic transaction systems and methods therefor |
US6868391B1 (en) * | 1997-04-15 | 2005-03-15 | Telefonaktiebolaget Lm Ericsson (Publ) | Tele/datacommunications payment method and apparatus |
US7107246B2 (en) * | 1998-04-27 | 2006-09-12 | Esignx Corporation | Methods of exchanging secure messages |
US6850916B1 (en) * | 1998-04-27 | 2005-02-01 | Esignx Corporation | Portable electronic charge and authorization devices and methods therefor |
US6898299B1 (en) * | 1998-09-11 | 2005-05-24 | Juliana H. J. Brooks | Method and system for biometric recognition based on electric and/or magnetic characteristics |
US20020023010A1 (en) * | 2000-03-21 | 2002-02-21 | Rittmaster Ted R. | System and process for distribution of information on a communication network |
US20020108062A1 (en) * | 2000-05-15 | 2002-08-08 | Takayuki Nakajima | Authentication system and method |
US7690577B2 (en) * | 2001-07-10 | 2010-04-06 | Blayn W Beenau | Registering a biometric for radio frequency transactions |
US7303120B2 (en) * | 2001-07-10 | 2007-12-04 | American Express Travel Related Services Company, Inc. | System for biometric security using a FOB |
US7543738B1 (en) * | 2001-07-10 | 2009-06-09 | American Express Travel Related Services Company, Inc. | System and method for secure transactions manageable by a transaction account provider |
US20030236120A1 (en) * | 2002-04-19 | 2003-12-25 | Kenneth Reece | Method and device for determining the physical location and identity of a user |
US20070055632A1 (en) * | 2003-03-11 | 2007-03-08 | Christian Hogl | Method And System For Initiating And/Or Conducting A Transaction That Is Associated With At Least Two Corresponding Declarations Of Intent |
US7761374B2 (en) * | 2003-08-18 | 2010-07-20 | Visa International Service Association | Method and system for generating a dynamic verification value |
US7500607B2 (en) * | 2003-12-23 | 2009-03-10 | First Data Corporation | System for managing risk of financial transactions with location information |
US20070250447A1 (en) * | 2004-10-25 | 2007-10-25 | Koninklijke Philips Electronics, N.V. | Method And Apparatus For Boostrapping Mobile A/V Jukeboxes |
US20080212779A1 (en) * | 2005-01-21 | 2008-09-04 | Koninklijke Philips Electronics, N.V. | Ordering Content by Mobile Phone to be Played on Consumer Devices |
US20060258397A1 (en) * | 2005-05-10 | 2006-11-16 | Kaplan Mark M | Integrated mobile application server and communication gateway |
US20070171880A1 (en) * | 2006-01-24 | 2007-07-26 | Samir Ismail | System and method for providing data to a wireless communication device |
US20070188323A1 (en) * | 2006-01-26 | 2007-08-16 | Microsoft Corporation | Motion Detection Notification |
US20070213045A1 (en) * | 2006-03-10 | 2007-09-13 | Jonas Gunnar Hermansson | Electronic equipment with data transfer function using motion and method |
US20080046570A1 (en) * | 2006-08-17 | 2008-02-21 | Microsoft Corporation | Web format-based wireless communications |
US7962369B2 (en) * | 2006-09-29 | 2011-06-14 | Einar Rosenberg | Apparatus and method using near field communications |
US20080195735A1 (en) * | 2007-01-25 | 2008-08-14 | Microsoft Corporation | Motion Triggered Data Transfer |
US20090111378A1 (en) * | 2007-10-31 | 2009-04-30 | Motorola, Inc. | Devices and methods for content sharing |
US20090177530A1 (en) * | 2007-12-14 | 2009-07-09 | Qualcomm Incorporated | Near field communication transactions in a mobile environment |
US20100042954A1 (en) * | 2008-08-12 | 2010-02-18 | Apple Inc. | Motion based input selection |
US20100082445A1 (en) * | 2008-09-30 | 2010-04-01 | Apple Inc. | Smart menu options |
US20100167646A1 (en) * | 2008-12-30 | 2010-07-01 | Motorola, Inc. | Method and apparatus for device pairing |
US20100169817A1 (en) * | 2008-12-31 | 2010-07-01 | Roy Want | Method and apparatus for context enhanced wireless discovery |
Cited By (34)
Publication number | Priority date | Publication date | Assignee | Title |
---|---|---|---|---|
US10282153B2 (en) | 2012-03-30 | 2019-05-07 | Brother Kogyo Kabushiki Kaisha | Function executing device with two types of wireless communication interfaces |
US10879960B2 (en) | 2012-03-30 | 2020-12-29 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9787363B2 (en) | 2012-03-30 | 2017-10-10 | Brother Kogyo Kabushiki Kaisha | Communication device |
US11733950B2 (en) | 2012-03-30 | 2023-08-22 | Brother Kogyo Kabushiki Kaisha | Function executing device with two types of wireless communication interfaces |
US11435969B2 (en) | 2012-03-30 | 2022-09-06 | Brother Kogyo Kabushiki Kaisha | Function executing device with two types of wireless communication interfaces |
US20170237472A1 (en) | 2012-03-30 | 2017-08-17 | Brother Kogyo Kabushiki Kaisha | Communication Device |
US10831427B2 (en) | 2012-03-30 | 2020-11-10 | Brother Kogyo Kabushiki Kaisha | Function executing device with two types of wireless communication interfaces |
US10333587B2 (en) | 2012-03-30 | 2019-06-25 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9781299B2 (en) | 2012-03-30 | 2017-10-03 | Brother Kogyo Kabushiki Kaisha | Function executing device with two types of wireless communication interfaces |
US11381280B2 (en) | 2012-03-30 | 2022-07-05 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9858022B2 (en) | 2012-03-30 | 2018-01-02 | Brother Kogyo Kabushiki Kaisha | Function executing device with two types of wireless communication interfaces |
US9696956B2 (en) | 2012-07-03 | 2017-07-04 | Brother Kogyo Kabushiki Kaisha | Communication device communicating target data with external device according to near field communication |
US10108383B2 (en) | 2012-07-03 | 2018-10-23 | Brother Kogyo Kabushiki Kaisha | Communication device communicating target data with external device according to near field communication |
US9887742B2 (en) | 2012-08-03 | 2018-02-06 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9698875B2 (en) | 2012-08-03 | 2017-07-04 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9596007B2 (en) | 2012-08-03 | 2017-03-14 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9661667B2 (en) | 2012-08-03 | 2017-05-23 | Brother Kogyo Kabushiki Kaisha | Communication device |
US10389408B2 (en) | 2012-08-06 | 2019-08-20 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9485608B2 (en) | 2012-08-06 | 2016-11-01 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9866992B2 (en) | 2012-08-06 | 2018-01-09 | Brother Kogyo Kabushiki Kaisha | Communication device |
US9609690B2 (en) * | 2013-03-28 | 2017-03-28 | Brother Kogyo Kabushiki Kaisha | Communication device |
US20140293980A1 (en) * | 2013-03-28 | 2014-10-02 | Brother Kogyo Kabushiki Kaisha | Communication Device |
US10581516B2 (en) | 2013-09-30 | 2020-03-03 | Brother Kogyo Kabushiki Kaisha | Communication device and terminal device |
US10142014B2 (en) | 2013-09-30 | 2018-11-27 | Brother Kogyo Kabushiki Kaisha | Multi-function device and terminal device |
US11012149B2 (en) | 2013-09-30 | 2021-05-18 | Brother Kogyo Kabushiki Kaisha | Communication device and terminal device |
US11641573B2 (en) | 2014-05-30 | 2023-05-02 | Brother Kogyo Kabushiki Kaisha | Function execution device and communication terminal |
US11140535B2 (en) | 2014-05-30 | 2021-10-05 | Brother Kogyo Kabushiki Kaisha | Function execution device and communication terminal |
US10278045B2 (en) | 2014-05-30 | 2019-04-30 | Brother Kogyo Kabushiki Kaisha | Function execution device and communication terminal |
US11671813B2 (en) | 2014-05-30 | 2023-06-06 | Brother Kogyo Kabushiki Kaisha | Function execution device and communication terminal |
US10542403B2 (en) | 2014-05-30 | 2020-01-21 | Brother Kogyo Kabushiki Kaisha | Function execution device and communication terminal |
US11956705B2 (en) | 2014-05-30 | 2024-04-09 | Brother Kogyo Kabushiki Kaisha | Function execution device and communication terminal |
US10902408B2 (en) * | 2017-03-29 | 2021-01-26 | Chien-Kang Yang | Mobile payment method using a barcode, device and server for implementing the method |
WO2022027069A1 (en) * | 2020-07-31 | 2022-02-03 | Verifone, Inc. | Systems and methods for touchless alternate payment provider selection at kiosks or payment terminals using mobile electronic devices |
US11416842B2 (en) | 2020-07-31 | 2022-08-16 | Verifone, Inc. | Systems and methods for touchless alternate payment provider selection at kiosks or payment terminals using mobile electronic devices |
Also Published As
Publication number | Publication date |
---|---|
KR20100117639A (en) | 2010-11-03 |
CN101933246A (en) | 2010-12-29 |
US9552579B2 (en) | 2017-01-24 |
US20140349575A1 (en) | 2014-11-27 |
WO2009097215A1 (en) | 2009-08-06 |
US20090191811A1 (en) | 2009-07-30 |
US9558485B2 (en) | 2017-01-31 |
US10395238B2 (en) | 2019-08-27 |
US20090192935A1 (en) | 2009-07-30 |
US9224140B2 (en) | 2015-12-29 |
US20090193500A1 (en) | 2009-07-30 |
WO2009097215A9 (en) | 2009-10-22 |
US20090192937A1 (en) | 2009-07-30 |
US20170140368A1 (en) | 2017-05-18 |
US8813182B2 (en) | 2014-08-19 |
CN106251128A (en) | 2016-12-21 |
US20160086164A1 (en) | 2016-03-24 |
US8233841B2 (en) | 2012-07-31 |
US20090192912A1 (en) | 2009-07-30 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US10395238B2 (en) | Two step near field communication transactions | |
US10600045B2 (en) | Mobile device with disabling feature | |
Curran et al. | Near field communication | |
US9378496B1 (en) | System and method for providing contactless payment with a near field communications attachment | |
US9842356B2 (en) | System, method, apparatus and computer program product for interfacing a multi-card radio frequency (RF) device with a mobile communications device | |
US10445723B2 (en) | NFC-transaction processing systems and methods | |
KR101802303B1 (en) | Systems, methods, and computer readable media for payment and non-payment virtual card transfer between mobile devices | |
US8630905B2 (en) | Single tap transactions using a secure element | |
CA2593657C (en) | Method and mobile terminal device including smartcard module and near field communications means | |
JP2018520401A (en) | Vending machine transaction | |
WO2008087471A1 (en) | Method and system for carrying out a transaction between a mobile device and a terminal | |
EP2218238A1 (en) | Transaction authentication | |
WO2013173339A1 (en) | Nfc transaction processing systems and methods | |
EP2889823A1 (en) | Method for securing a completion step of an online transaction |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
AS | Assignment |
Owner name: EBAY INC., CALIFORNIA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNORS:GRIFFIN, KENT;STONE, CARL B.;REEL/FRAME:035899/0866 Effective date: 20080929 |
|
AS | Assignment |
Owner name: PAYPAL, INC., CALIFORNIA Free format text: ASSIGNMENT OF ASSIGNORS INTEREST;ASSIGNOR:EBAY INC.;REEL/FRAME:036171/0446 Effective date: 20150717 |
|
STCB | Information on status: application discontinuation |
Free format text: ABANDONED -- FAILURE TO RESPOND TO AN OFFICE ACTION |