Induction based mobile transactions
AssigneeMichelle Fisher
InventorMichelle Fisher
Life of this patent
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Abstract
The present invention provides a method and apparatus for completing a transaction using a wireless mobile communication channel and another communication channel, particularly another communication channel that provides for near field radio channels (NFC), as well as other communication channels, such as Bluetooth or WIFI. The present invention also provides a method of completing a transaction in which a management server assists a transaction server and a point of sale terminal in forwarding transaction information to a hand-held mobile device, with the transaction having originated from the hand-held mobile device. There is also provided a hand-held mobile device that wirelessly communicates between a secure element and a radio element that are associated with the hand-held mobile device.
Claims20
A server for conducting a near field communication transaction, the server comprising:
- a server transceiver that receives an identification code from a point of sale (POS) terminal, the POS terminal including a terminal processor to receive the identification code from a secure element and to transmit a near field communication (NFC) inductive trigger interaction between the secure element coupled to a mobile device, wherein a secure element processor initiates execution of an NFC application maintained in secure element memory in response to the NFC inductive trigger interaction and further wherein the secure element is in proximity to the POS terminal;
- and
- a server processor that processes an NFC transaction using the identification code transferred from the secure element memory through the POS terminal to the server, wherein the identification code is transferred to the POS terminal during the NFC interaction using a first communication channel, the mobile application running on the mobile device, the mobile device including a mobile device display, a mobile device memory, a mobile device processor, and a mobile device transceiver.
A method for conducting a near field communication transaction, the method comprising
- receiving at a server an identification code from a point of sale (POS) terminal, the POS terminal including a terminal processor configured to receive the identification code from a secure element to transmit a near field communication (NFC) inductive trigger interaction with a the secure element coupled to a mobile device, wherein a secure element processor initiates execution of an NFC application maintained in secure element memory in response to the NFC inductive trigger interaction and further wherein the secure element is in proximity to the POS terminal;
- and
- processing at the server an NFC transaction using the identification code transferred from the secure element memory through the POS terminal to the management server, wherein the identification code is transferred during the NFC interaction to the POS terminal using a first communication channel, the mobile application running on the mobile device, the mobile device including a mobile device display, a mobile device memory, a mobile device processor, and a mobile device transceiver.
A computer readable medium for conducting a near field communication transaction, comprising
- computer code to receive an identification code at a server from a point of sale (POS) terminal, the POS terminal including a terminal processor that receives the identification code from a secure element and to transmits a near field communication (NFC) inductive trigger interaction between the secure element coupled to a mobile device, wherein a secure element processor initiates execution of an NFC application maintained in secure element memory in response to the NFC inductive trigger interaction and further wherein the secure element is in proximity to the POS terminal;
- computer code to process an NFC transaction at the server using the identification code transferred from the secure element memory through the POS terminal to the server, wherein the identification code is transferred to the POS terminal during the NFC interaction using a first communication channel, the mobile application running on the mobile device, the mobile device including a mobile device display, a mobile device memory, a mobile device processor, and a mobile device transceiver.
Dependencies are inferred from the claim text.