Single tap transactions using an NFC enabled mobile device
AssigneeBlaze Mobile, Inc.
InventorMichelle Fisher
Life of this patent
Estimating the term…
Abstract
The invention describes how a consumer can hold their NFC enabled device in proximity to an NFC enabled point-of-sale terminal and with a single “wave” or “tap” to automatically redeem coupons, pay for a purchase using a default payment card or a selected card, view receipts view reward point balances, and receive relevant coupons and other digital artifacts both before and after the purchase. The NFC enabled device includes a secure element with a payment application, payment credentials, and other digital artifacts such as coupons. The secure element can be internal to the mobile device, externally affixed to the mobile device, or inserted into a slot within the body of the mobile device.
Claims30
A method for conducting a near field communication payment transaction between a secure element coupled to a hand-held mobile communication device and a Point-of-Sale terminal, the method comprising:
- utilizing the secure element coupled to the hand-held mobile communication device,
- the secure element including:
- a memory storing multiple applications and payment credentials,
- a processor that executes a payment application stored on the memory in response to a near field communication interaction between the secure element and a Point-of-Sale terminal,
- a near field communication transceiver that sends transaction data including payment credentials corresponding to a default payment method associated with the executed application through a first communication channel;
- executing, by the processor of the secure element that is activated by a near field communication interaction between the secure element and the Point-Of-Sale terminal, the payment application on the processor of the secure element in response to a near field communication interaction between the secure element and a Point-Of-Sale terminal using the near field communication transceiver of the secure element;
- wirelessly transmitting the transaction data which includes payment credentials corresponding to a default payment method associated with the executed payment application from the secure element to the Point-Of-Sale terminal over the first communication channel;
- wherein transmission of the transaction data results from executing the payment application on the processor of the secure element in response to a near field communication interaction between the secure element and the Point-Of-Sale terminal;
- and
- automatically applying, by the payment application, one or more coupons stored in the memory of the secure element during the near field communication payment transaction and updating a total purchase amount based on the one or more applied coupons during the processing of the near field communication payment transaction.
A hand-held mobile device for conducting a near field communication payment transaction with a point-of-sale terminal physically distinct from the hand-held mobile device, the hand-held mobile device comprising:
- a first processor that executes a mobile application;
- a secure element coupled to the hand-held mobile device, the secure element comprising:
- a memory storing payment application and payment credentials, the execution of the payment application facilitating the transfer of transaction data including payment credentials from the secure element to the Point-Of-Sale terminal;
- a second processor, activated by a near field communication interaction between the secure element and a Point-Of-Sale terminal, that executes the payment application in response to a near field communication interaction between the secure element and a Point-Of-Sale terminal, wherein the second processor automatically applies coupons stored in the memory of the secure element and updates the total purchase amount in accordance with the coupon value during the processing of the near field communication payment transaction;
- and
- a near field communication transceiver that sends transaction data including the payment credentials corresponding to a default payment method associated with the executed payment application through a second communication channel from the secure element to the Point-Of-Sale terminal.
Dependencies are inferred from the claim text.