Method and apparatus for settling payments using mobile devices
AssigneeRFCyber Corp.
InventorsXiangzhen Xie, Liang Seng Koh, Hsin Pan
Life of this patent
Estimating the term…
Abstract
Techniques for mobile devices configured to support settlement of charges in electronic invoices or bills are described. A mobile device embedded with a secure element generates or is loaded with an electronic invoice. When the mobile device is brought to a consumer with an NFC mobile device, the data including the electronic invoice and other information regarding the mobile device or an owner thereof is read off wirelessly into the NFC mobile device. After the user verifies the amount being charged and authorizes the payment, the NFC mobile device communicates with a payment gateway or network for payment that is configured to proceed with the payment in accordance with a chosen payment methods.
Claims20
A method for settling a payment, the method comprising:
- providing a software module to be executed in a first mobile device embedded with a secure element, wherein the secure element has been personalized and the software module is provisioned with the personalized secure element, the first mobile device is configured to include data pertaining to an electronic invoice;
- receiving a payment request from a second mobile device after a user of the second mobile device authorizes the payment to the electronic invoice transported wirelessly from the first mobile device, wherein the second mobile device is a near-field communication device and is configured to execute an application that communicates with the software module in the first mobile device to read the data off from the first mobile device;
- verifying the payment request;
- and
- sending a payment response to a user of the first mobile device after the payment request is processed.
A gateway provided for settling a payment, the gateway comprising:
- a portal providing a software module to be downloaded and executed in a first mobile device embedded with a secure element, wherein the secure element has been personalized and the software module is provisioned with the personalized secure element, the first mobile device is configured to include data pertaining to an electronic invoice;
- a server comprising:
- a processor;
- a store, coupled to the processor, for code to be executed in the processor to cause the server to perform operations of:
- receiving a payment request from a second mobile device after a user of the second mobile device authorizes the payment to the electronic invoice transported wirelessly from the first mobile device, wherein the second mobile device is a near-field communication device and is configured to execute an application that communicates with the software module in the first mobile device to read the data off from the first mobile device;
- verifying the payment request;
- and
- sending a payment response to a user of the first mobile device after the payment request is processed.
Dependencies are inferred from the claim text.