Enhanced near field communications attachment
AssigneeCapital One Financial Corporation
InventorsThomas S. Poole, Paul Moreton, Hutch Douglas, Anthony Swider, 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.
Claims24
A contactless attachment, comprising:
- a controller that controls the operations of the contactless 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;
- a secure wireless communication module that establishes a secure wireless connection with a mobile device and enables encrypted communication between the contactless attachment and the mobile device;
- a token generator that generates a respective token for each financial transaction, the token enabling additional security for the financial transaction;
- and
- a button connected to a button interface, the button being used to initiate transmission of the respective token from the contactless attachment to the mobile device to authorize the financial transaction.
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 a secure element;
- binding the attachment to at least one device;
- and
- when processing a transaction relating to the account, receiving a signal that a button on the attachment has been depressed, and in response to the signal,
- using a token generator, generating a token, for the transaction being processed, the token enabling additional security for the financial transaction, and
- transmitting the token from the attachment to a mobile device to authorize the transaction.
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 secure 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 secure attachment when processing a financial transaction relating to the financial account, a power source, and the secure wireless communication module;
- and
- receiving a signal that a button on the secure attachment has been depressed, and in response to the signal,
- using a token generator of the secure attachment, generating a token, for the financial transaction being processed, the token enabling additional security for the financial transaction, and
- transmitting the token from the secure attachment to a mobile device to authorize the financial transaction;
- receiving a signal from the mobile device that the financial transaction is authorized;
- 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 and the signal is received that the financial transaction is authorized.
Dependencies are inferred from the claim text.