Patent ID: 9390414
Filing Date: 2016-07-12
CPC Classification: G06Q

Claim Text:
1. A computer-implemented method to initiate mobile computing device contactless payment transactions, comprising: detecting, by a programmed mobile computing device, whether a screen activation status of the programmed mobile computing device is active or inactive; in response to detecting that the screen activation status is inactive, maintaining a contactless communication system of the programmed mobile computing device and a secure element of the programmed mobile computing device in an inactive state, wherein an antenna of the contactless communication system and the secure element cannot receive or transmit data until activated; in response to detecting that the screen activation status is active, activating, by the programmed mobile computing device, the contactless communication system of the programmed mobile computing device and the secure element of the programmed mobile computing device, wherein the antenna of the contactless communication system and the secure element can receive or transmit data when activated; detecting, by the programmed mobile computing device, a contactless communication reader terminal signal; establishing, by the programmed mobile computing device, a contactless communication session with the reader terminal in response to detecting the reader terminal signal; receiving, by the programmed mobile computing device, information to conduct a payment transaction from the reader terminal; and communicating, by the programmed contactless communication system of the mobile computing device, default payment information stored in the secure element of the mobile computing device to the reader terminal in response to receiving the information to conduct the payment transaction.