# US 10,872,333 B2 · System, devices, and method to automatically launch an application on a mobile computing device based on a near-field communication data exchange

> Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt

- Number: US 10,872,333 B2
- Document ID: US10872333B2
- Status: Granted
- Kind: B2
- Application number: 14/572,287
- Filed: 2014-12-16
- Published: 2015-04-09
- Granted: 2020-12-22
- Earliest claimed: 2005-01-21
- Assignees: Samsung Electronics Co., Ltd.
- Applicants: Samsung Electronics Co., Ltd.
- Inventors: Robin Dua
- Web page: https://patentgrep.com/patent/US10872333B2

## 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

A novel system, methodology and devices to conduct financial and other transactions using a wireless device with a near-field communication (NFC) module. Credentials may be selectively issued by issuers such as credit card companies, banks, and merchants to a mobile device permitting the consumer to conduct a transaction according to the authorization given as reflected by the credential or set of credentials. Such credentials can be stored in a mobile device, and can be accessed by an RF reader when the mobile device is within a predetermined range of the RF reader and one or more messages provided from the RF reader are able to launch a wallet application and select one or more corresponding credentials to be transmitted thereto to complete the transactions.

## Claims

### Claim 1

A system to automatically launch a wallet application on a mobile computing device based on a near-field communication (NFC) data exchange, the system comprising:
a radio frequency (RF) reader including an NFC antenna to transmit at least one message; and
a mobile communication device comprising:
a secure storage storing a plurality of credentials therein that each represent a respective personal account and are each associated with a respective one of a plurality of mini-programs operated within the wallet application, wherein each credential is issued in connection with the respective personal account by a respective external issuer system, and
a near-field communication (NFC) proximity chip to:
automatically launch the wallet application in response to the NFC antenna of the mobile communication device receiving the at least one message from the RF reader when the mobile computing device's NFC antenna is within an RF range of the NFC antenna of the RF reader,
execute one of the plurality of mini-programs operated within the wallet application according to instructions of the wallet application upon a selection of an associated credential among a plurality of credentials displayed on an interface of the launched wallet application,
masking the selected credential based on a credential type and specified security characteristics, wherein the specified security characteristics are based on the credential type, and
transmit the selected credential to the RF reader in accordance with the executed mini-program.

### Claim 2 (depends on 1)

The system of claim 1, wherein the NFC proximity chip of the mobile computing device allows at least one of the plurality of credentials stored therein to be selected based on a corresponding received message.

### Claim 3 (depends on 1)

The system of claim 1, wherein the mobile computing device is connected to at least one of a cellular network and a short-range RF network.

### Claim 4 (depends on 1)

The system of claim 1, wherein the personal accounts represented by the plurality of credentials includes data corresponding to at least one of 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 5

A mobile communication device to communicate with a radio frequency (RF) reader via near-field communication (NFC), the mobile communication device comprising:
a secure storage storing a plurality of credentials therein that each represent a respective personal account and are each associated with a respective one of a plurality of mini-programs operated within a wallet application, wherein each credential is issued in connection with the respective personal account by a respective external issuer system; and
a near-field communication (NFC) proximity chip including:
a NFC antenna, and
a processor,
wherein the processor is configured to:
automatically launch a wallet application stored on the mobile communication device in response to the NFC antenna receiving at least one message from the RF reader when the NFC antenna is within a RF range of a NFC antenna of the RF reader,
execute one of the plurality of mini-programs operated within the wallet application according to instructions of the wallet application upon a selection of an associated credential among a plurality of credentials displayed on an interface of the launched wallet application,
mask the selected credential based on a credential type and specified security characteristics, wherein the specified security characteristics are based on the credential type, and
transmit the selected credential to the RF reader in accordance with the executed mini-program.

### Claim 6 (depends on 5)

The mobile communication device of claim 5, wherein the processor selects a credential from the plurality of credentials based on a received at least one message, and transmits the selected credential to the RF reader.

### Claim 7 (depends on 5)

The mobile communication device of claim 5, wherein the mobile communication device is connected to at least one of a cellular network and a short-range RF network.

### Claim 8 (depends on 5)

The mobile communication device of claim 5, wherein the personal accounts represented by the plurality of credentials includes data corresponding to at least one of 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, and a certificate.

### Claim 9

A method of transmitting a plurality of credentials via near-field communication (NFC), the method comprising:
storing a plurality of credentials in a secure storage of a mobile communication device that each represent a respective personal account and are each associated with a respective one of a plurality of mini-programs operated within a wallet application within the mobile communication device, wherein each credential is issued in connection with the respective personal account by a respective external issuer system;
receiving at least one message from an external radio frequency (RF) reader at the mobile communication device when an NFC antenna of the mobile communication device is within an RF range of an NFC antenna of the RF reader;
launching a wallet application within the mobile communication device automatically upon receipt of the at least one received message;
executing one of the plurality of mini-programs operated within the wallet application according to instructions of the wallet application upon a selection of an associated credential among a plurality of credentials displayed on an interface of the launched wallet application;
masking the selected credential based on a credential type and specified security characteristics, wherein the specified security characteristics are based on the credential type; and
transmitting the selected credential to the RF reader in accordance with the executed mini-program.

### Claim 10 (depends on 9)

The method of claim 9, further comprising:
selecting the at least one of the plurality of credentials stored within the mobile communication device based on the received message.

### Claim 11 (depends on 9)

The method of claim 9, wherein the personal accounts represented by the plurality of credentials includes data corresponding to at least one of 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, and a certificate.