System and method for providing contactless payment with a near field communications attachment
AssigneeCapital One Financial Corporation
InventorsPaul Young Moreton, Thomas Poole
Life of this patent
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Abstract
A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.
Claims20
A contactless payment attachment, comprising:
- a near field communication antenna;
- a secure element;
- an input/output module to encode information related to a financial transaction as audio data and decode audio data;
- and
- a plug capable of connecting the attachment to an audio jack on a mobile device.
(canceled)
A method for initializing an attachment, comprising the steps of:
- receiving a secure element provisioning signal front a trusted service manager;
- using one or more computer processors, sending at least one provisioning instruction through an audio jack to the attachment;
- provisioning the device for a plurality of financial accounts;
- and
- binding the attachment to at least one device.
A method of providing contactless payment, comprising the steps of:
- receiving, at a computer processor, a payment initiation instruction from a customer;
- and
- using a near field communication antenna, sending payment information to a point of sale device;
- using one or more computer processors, encoding data related to the payment as audio data;
- transmitting the data related to the payment through an audio jack;
- analyzing the data related to the payment;
- determine an object to present to a customer associated with the payment;
- and
- presenting the object to the customer.
Dependencies are inferred from the claim text.