Enhanced near field communications attachment
AssigneeCapital One Financial Corporation
InventorsThomas S. POOLE, Paul MORETON, Hutch DOUGLAS, Anthony SWIDER, III, Christopher CLARKE
Life of this patent
Estimating the term…
Abstract
A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob.
Claims26
A contactless attachment, comprising:
- a controller that controls the operations of the contactless payment attachment;
- a near field communication antenna;
- a secure element that securely stores an account number that is used to identify a financial account and is transmitted from the contactless attachment when processing a financial transaction relating to the financial account;
- a power source;
- and
- a secure wireless communication module that establishes a secure wireless connection with a mobile device and enables encrypted communication between the attachment and the mobile device.
A method for initializing an attachment, comprising the steps of:
- receiving an encrypted secure element provisioning signal from a trusted service manager, the encrypted secure element provisioning signal including an account number that is used to identify an account and is transmitted from the attachment when processing a transaction relating to the account;
- establishing a secure wireless communication channel with the attachment;
- using one or more computer processors, sending at least one provisioning instruction, formed as encrypted data, through a secure wireless communication channel to the attachment;
- decrypting the secure element provisioning instruction;
- provisioning the attachment for use with the account by storing the received account number in the secure element;
- and
- binding the attachment to at least one device.
A method of conducting a transaction using a secure attachment, comprising:
- establishing using a secure wireless communication module a connection between the secure attachment and a mobile device, wherein the connection is established using a secure, low-energy technology based on the proximity of the secure attachment and the mobile device, and wherein the secure attachment includes a controller that controls the operations of the contactless payment attachment, a near field communication antenna, a secure element that securely stores an account number that is used to identify a financial account and is transmitted from the contactless attachment when processing a financial transaction relating to the financial account, a power source, and the secure wireless communication module;
- and
- transmitting, using the near field communication antenna, the account number to a near field communications reader when the secure connection is established between the secure attachment and a mobile device.
Dependencies are inferred from the claim text.