# US 10,769,633 B2 · Method, apparatus, and system for performing wireless transactions with near-field communication (NFC) set up

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- Number: US 10,769,633 B2
- Document ID: US10769633B2
- Status: Granted
- Kind: B2
- Application number: 14/572,313
- Filed: 2014-12-16
- Published: 2015-04-09
- Granted: 2020-09-08
- Earliest claimed: 2005-01-21
- Assignees: Samsung Electronics Co., Ltd.
- Applicants: Samsung Electronics Co., Ltd.
- Inventors: Robin Dua
- Web page: https://patentgrep.com/patent/US10769633B2

## CPC

- G06Q 20/3821: {Electronic credentials}
- G06K 7/10297: {arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 (cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00)}
- G06Q 20/32: using wireless devices
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/325: {using wireless networks}
- G06Q 20/327: {Short range or proximity payments by means of M-devices}
- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06Q 20/3674: {involving authentication}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/401: {Transaction verification}
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment
- H04B 5/77: for interrogation
- H04W 12/06: Authentication
- G06K 7/10415: {the interrogation device being fixed in its position, such as an access control device for reading wireless access cards, or a wireless ATM (banking machines in general G07F19/00)}
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/3227: {using secure elements embedded in M-devices}
- G06Q 20/38215: {Use of certificates or encrypted proofs of transaction rights}
- G06Q 20/385: {using an alias or single-use codes}
- G06Q 20/40145: {Biometric identity checks}
- H04L 63/0428: {wherein the data content is protected, e.g. by encrypting or encapsulating the payload}
- H04L 63/08: {for authentication of entities (cryptographic mechanisms or cryptographic arrangements for entity authentication H04L9/32)}
- H04L 63/083: {using passwords (cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226)}
- H04L 63/18: {using different networks or channels, e.g. using out of band channels (cryptographic mechanisms or cryptographic arrangements for key distribution involving distinctive intermediate devices or communication paths H04L9/0827; cryptographic mechanisms or cryptographic arrangements for authentication using a plurality of channels H04L9/3215)}
- H04L 2463/102: applying security measure for e-commerce
- H04W 12/02: Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII]
- H04W 12/033: of the user plane, e.g. user's traffic
- H04W 12/068: {using credential vaults, e.g. password manager applications or one time password [OTP] applications}
- 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
- G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- H04B: TRANSMISSION
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)

## Abstract

An apparatus, system and methodology for establishing a wireless communications link using a wireless device are provided. A computing device includes a wallet application for completing transactions based on wireless data communications between the computing device and at least one external electronic device. The computing device includes a short-range radio frequency (RF) transceiver to communicate with an external RF transceiver. A near-field communication (NFC) module includes a NFC antenna, and the NFC module is configured to transmit wireless setup information between the NFC antenna and a NFC reader in communication with the external electronic device based on the NFC antenna of the computing device being within a RF range of the NFC antenna of the NFC reader. A processor establishes a wireless communications link between the short-range RF transceiver and the external RF transceiver to initiate transactions between the computing device and the at least one external electronic device.

## Claims

### Claim 1

A computing device, comprising:
at least one processor;
at least one memory having stored therein a plurality of applications to be executed by the at least one processor, the plurality of applications being programmed into at least one wallet application to govern transactions based on wireless data communications between the computing device and at least one external electronic device;
a short-range radio frequency (RF) transceiver configured to communicate with an external RF transceiver in communication with the at least one external electronic device, wherein the short-range RF transceiver and the external RF transceiver support a predetermined communications protocol; and
a near-field communication (NFC) device including a NFC antenna, the NFC device configured to transmit wireless setup information between the NFC antenna and a NFC reader in communication with the at least one external electronic device based on the NFC antenna of the computing device being within a RF range of the NFC antenna of the NFC reader,
wherein the at least one processor is configured to establish a wireless communications link between the short-range RF transceiver and the external RF transceiver to initiate at least one specific application governed transaction between the computing device and the at least one external electronic device via the short-range RF transceiver based on the establishing of the wireless communications link,
wherein the at least one memory further stores an electronic credential mapped to a reader key received from an issuer of the electronic credential, the electronic credential comprising reader key information indicating the reader key associated with the electronic credential, and
wherein the at least one processor is further configured to:
receive the reader key programmed in the at least one external electronic device via the wireless communications, and
select the electronic credential using the reader key information to initiate the transaction in response to the reader key.

### Claim 2 (depends on 1)

The computing device of claim 1,
wherein the at least one memory has stored therein at least one electronic credential,
wherein the short-range RF transceiver is configured to transmit to the at least one external electronic device the at least one electronic credential, and
wherein the at least one processor is further configured to initiate the at least one application governed transaction between the computer device and the at least one external electronic device via the short-range RF transceiver based on the transmission of the at least one electronic credential to the at least one external electronic device.

### Claim 3 (depends on 2)

The computing device of claim 2, wherein the at least one electronic credential includes one or more of data associated with a credit card account, a debit card account, a stored value card account, an automated teller machine card account, a bank account, a payment token card account, a membership card account, a loyalty card account, an access card account, an identification card account, a driver's license, an e-ticket, a pass, a coupon, or a certificate.

### Claim 4 (depends on 1)

The computing device of claim 1, further comprising a user interface,
wherein the short-range RF transceiver is further configured to receive from the at least one external device an information request,
wherein the user interface is further configured to generate a prompt for a user input to the user interface based on the information request,
wherein the at least one processor is further configured to generate user input data based on the user input to the user interface,
wherein the short-range RF transceiver is further configured to transmit the user input data to the at least one external electronic device via the short-range RF transceiver, and
wherein the at least one processor is further configured to initiate the at least one application governed transaction between the computing device and the at least one external electronic device via the short-range RF transceiver based on the transmitting of the user input data to the at least one external electronic device.

### Claim 5 (depends on 1)

The computing device of claim 1, wherein the wireless setup information includes at least one of wireless configuration information or security information.

### Claim 6 (depends on 1)

The computing device of claim 1, further comprising:
a network transceiver configured to communicate with a cellular communications network.

### Claim 7 (depends on 1)

The computing device of claim 1, further comprising:
a biometric characteristic reader for reading a biometric characteristic of a user,
wherein the computing device is configured to perform at least one of the transmission of the wireless setup information between the NFC antenna and the NFC reader and initiating the at least one application governed transaction between the computing device and the at least one external electronic device, based on comparing the biometric characteristic of the user with stored biometric information.

### Claim 8

A method, comprising:
storing in at least one memory of a computing device at least one application configured to be executed by at least one processor of the computing device, the at least one application being programmed into at least one wallet application to govern transactions based on wireless data communications between the computing device and at least one external electronic device;
storing, in the at least one memory of the computing device, an electronic credential mapped to a reader key received from an issuer of the electronic credential, the electronic credential comprising reader key information indicating the reader key associated with the electronic credential;
transmitting, between a near-field communication (NFC) device of the computing device and a NFC reader in communication with the external electronic device, wireless setup information based on a NFC antenna of the NFC device being within a radio frequency (RF) range of a NFC antenna of the NFC reader;
establishing a wireless communications link between a short-range RF transceiver of the computing device and an external RF transceiver in communication with the external electronic device, based on the transmitting of the wireless setup information, wherein the short-range RF transceiver of the computing device and the external RF transceiver support a predetermined communications protocol;
receiving a reader key programmed in the at least one external electronic device via the wireless communications;
selecting the electronic credential using the reader key information to initiate the transaction in response to the received reader key; and
initiating, based on the establishing of the wireless communications link and the selected electronic credential, at least one application governed transaction between the computing device and the external RF transceiver in communication with the external electronic device.

### Claim 9 (depends on 8)

The method of claim 8, wherein the at least one memory has stored therein at least one electronic credential, and the method further comprises:
transmitting to the at least one external electronic device the at least one electronic credential; and
initiating the at least one application governed transaction between the computing device and the at least one external electronic device via the short-range RF transceiver based on the transmission of the at least one electronic credential to the at least one external electronic device.

### Claim 10 (depends on 9)

The method of claim 9, wherein the at least one electronic credential includes at least one of data associated with a credit card account, a debit card account, a stored value card account, an automated teller machine card account, a bank account, a payment token card account, a membership card account, a loyalty card account, an access card account, an identification card account, a driver's license, an e-ticket, a pass, a coupon, or a certificate.

### Claim 11 (depends on 8)

The method of claim 8, further comprising:
receiving, from the at least one external device via the short-range RF transceiver, an information request based on establishing a wireless communication link;
generating a prompt for a user input to the user interface based on the information request;
generating user input data based on the user input to the user interface;
transmitting the user input data to the at least one external electronic device via the short-range RF transceiver; and
initiating the at least one application governed transaction between the computing device and the at least one external electronic device via the short-range RF transceiver based on the transmitting of the user input data to the at least one external electronic device.

### Claim 12 (depends on 8)

The method of claim 8, wherein the wireless setup information includes at least one of wireless configuration information or security information.

### Claim 13 (depends on 8)

The method of claim 8, further comprising:
reading a biometric characteristic of a user with a biometric characteristic reader; and
performing at least one of the transmission of the wireless setup information between the NFC antenna and the NFC reader and initiating the at least one application governed transaction between the computing device and the at least one external electronic device, based on comparing the biometric characteristic of the user with stored biometric information.

### Claim 14

A computing system comprising:
a near-field communication (NFC) reader;
an external electronic device in communication with the NFC reader;
an external radio frequency (RF) transceiver in communication with the external electronic device; and
a computing device including:
at least one processor,
at least one memory having stored therein a plurality of applications to be executed by the at least one processor, the plurality of applications being programmed into at least one wallet application to govern transactions based on wireless data communications between the computing device and at least one external electronic device,
a short-range RF transceiver configured to communicate with the external RF transceiver, wherein the short-range RF transceiver and the external RF transceiver support a predetermined communications protocol, and
a near-field communication (NFC) device including a NFC antenna, the NFC device configured to transmit wireless setup information between the NFC antenna and the NFC reader based on the NFC antenna of the computing device being within a RF range of a NFC antenna of the NFC reader,
wherein the at least one processor is configured to establish a wireless communications link between the short-range RF transceiver and the external RF transceiver to initiate at least one application governed transaction between the computing device and the at least one external device via the short-range RF transceiver based on establishing the wireless communications link,
wherein the at least one memory further stores an electronic credential mapped to a reader key received from an issuer of the electronic credential, the electronic credential comprising reader key information indicating the reader key associated with the electronic credential, and
wherein the at least one processor is further configured to:
receive a reader key programmed in the at least one external electronic device via the wireless communications, and
select the electronic credential using the reader key information to initiate the transaction in response to the received reader key.

### Claim 15 (depends on 14)

The computing system of claim 14,
wherein the at least one memory has stored therein at least one electronic credential,
wherein the short-range RF transceiver is further configured to transmit to the at least one external electronic device the at least one electronic credential, and
wherein the at least one processor is further configured to initiate the at least one application governed transaction between the computing device and the at least one external electronic device via the short-range RF transceiver based on the transmission of the at least one electronic credential to the at least one external electronic device.

### Claim 16 (depends on 15)

The computing system of claim 15, wherein the at least one electronic credential includes at least one of data associated with a credit card account, a debit card account, a stored value card account, an automated teller machine card account, a bank account, a payment token card account, a membership card account, a loyalty card account, an access card account, an identification card account, a driver's license, an e-ticket, a pass, a coupon, or a certificate.

### Claim 17 (depends on 14)

The computing system of claim 14,
wherein the computing device further comprises a user interface,
wherein the short-range RF transceiver is configured to receive from the at least one external device an information request,
wherein the user interface is configured to generate a prompt for a user input to the user interface based on the information request,
wherein the at least one processor is configured to generate user input data based on the user input to the user interface,
wherein the short-range RF transceiver is configured to transmit the user input data to the at least one external electronic device via the short-range RF transceiver, and
wherein the at least one processor is further configured to initiate the at least one application governed transaction between the computing device and the at least one external electronic via the short-range RF transceiver based on the transmitting of the user input data to the at least one external electronic device.

### Claim 18 (depends on 14)

The computing system of claim 14, wherein the wireless setup information includes at least one of wireless configuration information or security information.

### Claim 19 (depends on 14)

The computing system of claim 14, wherein the computing device further comprises a network transceiver configured to communicate with a cellular communications network.

### Claim 20 (depends on 14)

The computing system of claim 14,
wherein the computing device further comprises a biometric characteristic reader for reading a biometric characteristic of a user, and
wherein the computing device is configured to perform at least one of the transmission of the wireless setup information between the NFC antenna and the NFC reader and initiating the at least one application governed transaction between the computing device and the at least one external electronic device, based on comparing the biometric characteristic of the user with stored biometric information.