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US 9,177,312 B1Granted
System and method for providing contactless payment with a near field communications attachment
AssigneeCapital One Financial Corporation
InventorsThomas S. Poole, Paul Young Moreton
Life of this patent
Estimating the term…
Abstract
A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.
Claims23
A contactless attachment, comprising:
- a universal integrated circuit having a secure element that securely stores personal information upon account provisioning and which is used to identify a personal account and is transmitted from the contactless attachment when processing a transaction relating to the personal account;
- a near field communication antenna connected to the universal integrated circuit that receives the personal information from the secure element and transmits the personal information to a transaction processing device when processing the transaction relating to the personal account;
- an input/output module having an audio encoder/decoder that encodes information related to the transaction as transaction audio data and decodes transaction audio data, the input/output module receives an account provisioning signal that includes the personal information;
- an encryption/decryption module that encrypts information being transmitted to a mobile device and decrypts encrypted information received from the mobile device;
- a plug that is operably connected to the input/output module, connects the contactless attachment to an audio jack on the mobile device, and provides power to the contactless attachment from the mobile device when the plug is connected to the audio jack on the mobile device;
- an audio jack that receives a standard audio plug, the audio jack being operatively connected to the input/output module to create an audio transmission channel between the plug and the audio jack;
- and
- a host controller interface operatively connected to the universal integrated circuit, near field communication antenna, input/output module, and encryption/decryption module, wherein the host controller interface controls certain operations of the contactless attachment, including enabling audio data other than the transaction audio data to pass through the contactless attachment via the audio transmission channel.
5 more elements
A method for initializing an attachment, comprising the steps of:
- receiving, via a network and within a mobile application associated with an entity executing on a mobile device, an encrypted secure element provisioning signal from a trusted service manager of the entity, the encrypted secure element provisioning signal including personal information that is used to identify an account at the entity and is transmitted from the attachment when processing a transaction relating to the account, wherein the attachment includes:
- a universal integrated circuit having a secure element that securely stores the personal information that is used to identify the account and is transmitted from the attachment when processing a transaction relating to the account;
- a near field communication antenna connected to the universal integrated circuit that receives the personal information from the secure element and transmits the personal information to a transaction processing device when processing the transaction relating to the account;
- an input/output module having an audio encoder/decoder that encodes information related to the transaction as transaction audio data and decodes transaction audio data;
- an encryption/decryption module that encrypts information being transmitted to the mobile device and decrypts encrypted information received from the mobile device;
- a plug that is operably connected to the input/output module, connects the attachment to an audio jack on the mobile device, and provides power to the attachment from the mobile device when the plug is connected to the audio jack on the mobile device;
- an audio jack that receives a standard audio plug, the audio jack being operatively connected to the input/output module to create an audio transmission channel between the plug and the audio jack;
- and
- a host controller interface operatively connected to the universal integrated circuit, near field communication antenna, input/output module, and encryption/decryption module, wherein the host controller interface controls certain operations of the attachment;
- using one or more computer processors within the mobile device and the mobile application associated with the entity executing on the mobile device, sending at least one secure element provisioning instruction, formed as encrypted, encoded audio data, through the audio jack on the mobile device to the attachment;
- decoding and decrypting, using the audio encoder/decoder and encryption/decryption module, respectively, the secure element provisioning instruction;
- provisioning the attachment for use with the account by storing the received personal information in the secure element;
- binding the attachment to at least one device;
- and
- enabling, using the host controller interface, audio data other than the transaction audio data to pass through the attachment via the audio transmission channel.
12 more elements
Dependencies are inferred from the claim text.