# US 8,751,313 B2 · Single tap transactions using a mobile application

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- Number: US 8,751,313 B2
- Document ID: US8751313B2
- Status: Granted
- Kind: B2
- Application number: 13/680,303
- Filed: 2012-11-19
- Published: 2013-03-28
- Granted: 2014-06-10
- Earliest claimed: 2006-08-25
- Assignees: Michelle Fisher
- Applicants: Blaze Mobile, Inc.
- Inventors: Michelle Fisher
- Web page: https://patentgrep.com/patent/US8751313B2

## CPC

- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 10/10: Office automation; Time management
- G06Q 20/00: Payment architectures, schemes or protocols (apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12)
- G06Q 20/108: {Remote banking, e.g. home banking}
- G06Q 20/16: Payments settled via telecommunication systems
- G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR}
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/206: {comprising security or operator identification provisions, e.g. password entry}
- G06Q 20/32: using wireless devices
- G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]}
- G06Q 20/3223: {Realising banking transactions through M-devices}
- G06Q 20/3226: {Use of secure elements separate from M-devices}
- G06Q 20/3227: {using secure elements embedded in M-devices}
- G06Q 20/325: {using wireless networks}
- G06Q 20/3255: {using mobile network messaging services for payment, e.g. SMS}
- G06Q 20/326: {Payment applications installed on the mobile devices}
- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06Q 20/3674: {involving authentication}
- G06Q 20/382: {insuring higher security of transaction}
- G06Q 20/3821: {Electronic credentials}
- G06Q 20/40: Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
- G06Q 20/4012: {Verifying personal identification numbers [PIN]}
- G06Q 20/4014: {Identity check for transactions}
- G06Q 20/4016: {involving fraud or risk level assessment in transaction processing}
- G06Q 20/409: {Device specific authentication in transaction processing}
- G06Q 30/02: Marketing; Price estimation or determination; Fundraising
- G06Q 30/0222: {During e-commerce, i.e. online transactions}
- G06Q 30/0238: at point-of-sale [POS]
- G06Q 30/0251: Targeted advertisements
- G06Q 30/0253: {During e-commerce, i.e. online transactions}
- G06Q 30/0255: {based on user history}
- G06Q 30/0267: {Wireless devices}
- G06Q 30/0268: {at point-of-sale [POS]}
- G06Q 30/06: Buying, selling or leasing transactions
- G06Q 30/0613: {using intermediate agents}
- G06Q 30/0633: {Managing shopping lists, e.g. compiling or processing purchase lists (shipping orders G06Q10/083; order filling G06Q10/087)}
- G06Q 30/0635: {replenishment orders; recurring orders}
- G06Q 40/10: Tax strategies
- G06Q 40/12: Accounting
- H04B 5/70: specially adapted for specific purposes
- H04M 1/72445: for supporting Internet browser applications
- H04W 4/18: Information format or content conversion, e.g. adaptation by the network of the transmitted or received information for the purpose of wireless delivery to users or terminals
- H04W 4/21: for social networking applications
- H04W 8/205: {Transfer to or from user equipment or user record carrier}
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/105: {involving programming of a portable memory device, e.g. IC cards, "electronic purses"}
- G06Q 40/00: Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G07F 7/1008: {Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system}
- H04N 21/812: {involving advertisement data (advertising per se G06Q30/02)}
- H04W 4/02: Services making use of location information
- H04W 4/029: Location-based management or tracking services
- H04W 4/80: Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication
- H04W 88/02: Terminal devices
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- H04B: TRANSMISSION
- H04M: TELEPHONIC COMMUNICATION (circuits for controlling other apparatus via a telephone cable and not involving telephone switching apparatus G08)
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})
- H04N: PICTORIAL COMMUNICATION, e.g. TELEVISION

## 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.

## Claims

### Claim 1

A method comprising:
maintaining a mobile application in a mobile device memory included in a mobile device, the mobile device including a mobile device display, a mobile device radio transceiver, and a mobile device processor, and wherein a secure element is coupled to the mobile device;
executing the mobile application using the mobile device processor, wherein execution of the mobile application permits a user of the mobile device to conduct a near field communication (NFC) transaction with a point-of-sale terminal;
initiating execution of a near field communication application operating at an application layer above a physical layer by a secure element processor in response to a near field communication interaction triggered from the point-of-sale terminal to the secure element without communication with the mobile device, the near field communication application stored in a secure element memory of the secure element;
automatically applying a coupon during processing of the near field communication transaction and sending transaction data including payment credentials corresponding to a default payment mechanism in association with execution of the near field communication application from the secure element to the point-of-sale terminal without prior authentication.

### Claim 2 (depends on 1)

The method of claim 1, wherein a digital artifact is delivered from a management server to the mobile device through the mobile device radio transceiver, wherein the digital artifact includes metadata operable to trigger a call-to-action.

### Claim 3 (depends on 2)

The method of claim 2, wherein the digital artifact comprises an advertisement, receipt, ticket, media, metadata and/or content.

### Claim 4 (depends on 2)

The method of claim 2, wherein the call-to-action is a user prompt to enter an email address, accept a coupon/reward, and/or opt-in for alerts and notifications.

### Claim 5 (depends on 2)

The method of claim 2, wherein the digital artifact is sent to the mobile device based on targeting parameters associated with personal information and transaction history stored at the management server.

### Claim 6 (depends on 5)

The method of claim 5, wherein personal information includes user location, gender, age, interest, and/or affiliations and wherein transaction history comprises historical payment transactions, real-time payment transactions, banking transactions, bill pay, merchants, price-level, spend categories, transactions conducted through the mobile device, and/or transactions downloaded from banks.

### Claim 7 (depends on 2)

The method of claim 2, wherein the digital artifact is sent to the mobile device when a user of the mobile device browses a particular screen of the mobile device application that specifies unique real-estate, uses proximity services such as near field communications that specify a unique code, or accesses location-based services.

### Claim 8 (depends on 1)

The method of claim 1, wherein a shopping list is transmitted from the mobile device to the point-of-sale terminal prior to initiating the near field communication interaction.

### Claim 9 (depends on 2)

The method of claim 2, wherein the digital artifact is sent to the mobile device based on movement of the mobile device into close proximity of a smart poster, a radio frequency identification (RFID) device, a Bluetooth device, or a location-based service device.

### Claim 10 (depends on 2)

The method of claim 2, wherein the digital artifact is received through a near field communication transceiver at the secure element after purchase from the point-of-sale terminal, wherein the digital artifact comprises a receipt, coupon, ticket, and/or return/refund policy.

### Claim 11 (depends on 1)

The method of claim 1, wherein transaction data is transmitted from the mobile device to another mobile device using near field communications, Bluetooth, and/or wireless fidelity (WiFi).

### Claim 12 (depends on 1)

The method of claim 1, wherein the secure element is physically coupled to the mobile device but electrically decoupled from the mobile device.

### Claim 13 (depends on 12)

The method of claim 12, wherein the secure element is included in a housing associated with the mobile device.

### Claim 14 (depends on 1)

The method of claim 1, wherein a security tool is implemented at the mobile device application, the security tool configured to prompt a user to login to the mobile device, use biometrics to authenticate the user before authorizing a transaction, prompt the user to enter a payment limit PIN in response to a pending purchase exceeding a pre-determined amount, temporarily disable the secure element, permanently disable the secure element, delete all cached data stored in mobile device memory, and/or store encrypted security codes on the mobile device, wherein disabling the secure element prevents near field communication payments, coupon redemption and ticket redemption.

### Claim 15 (depends on 2)

The method of claim 2, wherein a status of the digital artifact is received at the mobile device, wherein the status is one of assigned, saved, redeemed or deleted.

### Claim 16 (depends on 1)

The method of claim 1, wherein data is exchanged between the secure element processor and the mobile device processor.

### Claim 17 (depends on 1)

The method of claim 1, wherein the secure element comprises a ticketing application, an identity application and/or a coupon application.

### Claim 18

A mobile device comprising:
a mobile device memory configured to maintain a mobile application;
a mobile device display;
a mobile device radio transceiver; and
a mobile device processor configured to execute the mobile application, wherein execution of the mobile application permits a user of the mobile device to conduct a near field communication (NFC) transaction with a point-of-sale terminal,
wherein a secure element is coupled to the mobile device, the secure element comprising:
a secure element memory configured to maintain a near field communication application; and
a secure element processor configured to initiate execution of the near field communication application operating at an application layer above a physical layer in response to a near field communication interaction triggered from the point of sale terminal to the secure element, the execution of the near field communication application automatically applying a coupon during processing of the near field communication transaction and sending transaction data including payment credentials corresponding to a default payment mechanism from the secure element to the point-of-sale terminal without prior authentication and communication with the mobile device.

### Claim 19 (depends on 18)

The mobile device of claim 18, wherein a digital artifact is delivered from a management server to the mobile device through the mobile device radio transceiver, wherein the digital artifact includes metadata operable to trigger a call-to-action.

### Claim 20 (depends on 19)

The mobile device of claim 19, wherein the digital artifact comprises an advertisement, receipt, ticket, media, metadata and/or content.