Source: https://patents.google.com/patent/US10223682B2/en
Timestamp: 2019-07-24 03:37:00
Document Index: 26646553

Matched Legal Cases: ['Application No. 62', 'Application No. 201580021465', 'Application No. 10', 'Application No. 15', 'application no. 14765497', 'Application No. 10', 'Application No. 10', 'Application No. 201580021465', 'Application No. 10']

US10223682B2 - User device enabling access to payment information in response to mechanical input detection - Google Patents
User device enabling access to payment information in response to mechanical input detection Download PDF
US10223682B2
US10223682B2 US15/186,114 US201615186114A US10223682B2 US 10223682 B2 US10223682 B2 US 10223682B2 US 201615186114 A US201615186114 A US 201615186114A US 10223682 B2 US10223682 B2 US 10223682B2
US15/186,114
US20160300211A1 (en
Morgan J. Grainger
2014-05-29 Priority to US201462004338P priority Critical
2014-09-02 Priority to US14/475,424 priority patent/US9400977B2/en
2016-06-17 Priority to US15/186,114 priority patent/US10223682B2/en
2016-10-13 Publication of US20160300211A1 publication Critical patent/US20160300211A1/en
2019-03-05 Publication of US10223682B2 publication Critical patent/US10223682B2/en
The application is a continuation of U.S. application Ser. No. 14/475,424, filed on Sep. 2, 2014, which claims the benefit of and priority to U.S. Provisional Application No. 62/004,338, filed on May 29, 2014. Each of these applications is hereby incorporated by reference in its entirety for all purposes.
A variety of devices can be involved in a transaction process. FIG. 2 shows examples of devices connected via one or more communication channels to complete a transaction according to an embodiment of the present invention. Exemplary user devices 205 that can detect a particular user input (e.g., which can include detecting a local input, a non-virtual input and/or a mechanical input) and/or conditionally transmit payment information (e.g., using NFC) can include a wearable device 205 a (e.g., a necklace, headband, clip, belt, bracelet, watch, pair of glasses, armband, or ear piece) and a phone 205 b (e.g., a smart phone). One or more user devices 205 can include or be an NFC-enabled device and/or an inductor.
In some instances, communication between user devices 205 can facilitate transactions (e.g., generally or specific transactions). For example, one user device (e.g., phone 205 b) can serve as a provisioning or managing device, and can send notifications of new or updated payment account data (e.g., information for a new account, updated information for an existing account, and/or an alert pertaining to an existing account). As another example, a first user device can send data to a second user device reflecting information about payment transactions facilitated at the first user device. The information can include, e.g., a payment amount, an account used, a time of purchase and/or whether a default account was changed. Such information can be used at the second device to, for example, update a default account (e.g., based on a learning algorithm or explicit user input).
In some instances, protocols related to transaction participation depend on, for example, device types. For example, a condition for generating and/or transmitting payment information can be different for wearable device 205 a and phone 205 b. To illustrate, a generation and/or transmission condition for wearable device 205 a can include detecting that a button has been pressed, while a corresponding condition need not require button-depression selection and instead can require detection of particular interaction with an app. In one instance, a condition for transmitting and/or releasing payment information includes receiving particular input on each of multiple devices. For example, release of payment information on device 205 a may require detection of a fingerprint and/or passcode on device 205 b and detection of a mechanical input (e.g., button press) on device 205 a.
As noted above, in some instances, user device 205 can be a wearable device (e.g., device 205 a). FIG. 4 is a simplified block diagram of a wearable device 400 according to an embodiment of the present invention. Wearable device 400 can include processing subsystem 402, storage subsystem 404, user interface 406, one or more connection components (e.g., RF interface 408 and/or connector interface 410), power subsystem 412, environmental sensors 414, and strap sensors 416. Wearable device 400 can also include other components (not explicitly shown).
Other sensors can also be included in addition to or instead of these examples. For example, a sound sensor can incorporate microphone 428 together with associated circuitry and/or program code to determine, e.g., a decibel level of ambient sound. Temperature sensors, proximity sensors, ambient light sensors, or the like can also be included.
Process 800 begins at blocks 805 a and 805 b where each of the user device and the provisioning device retrieve a unique identifier for the respective device. The unique identifier can include one assigned at a manufacturing time and/or permanently stored in the device. In some instances, the unique identifier is assigned by an operating system or app
At blocks 810 a and 810 b, each of the user device and provisioning device determine that a payment channel with the other device is authorized. This determination can be made based on, for example, a determination that the devices are paired, a determination that a code entered at one device is one presented on the other device, and/or a determination that a signal received from the other device includes data matching locally stored data. In some instances, the determination is based at least in part on a context, a separation distance between the two devices, and/or a device state (e.g., being worn, active, and/or asleep) of one or both devices.
FIG. 10 is a flow diagram of a process 1000 for a user device participation in a transaction in accordance with an embodiment of the invention. Process 1000 can be performed, in part or in its entirety, by a user device.
FIG. 12 is a flow diagram of a process 1200 for communicating between devices to complete a transaction in accordance with an embodiment of the invention. Process 1200 begins at blocks 1205 a where a user device detects a POS terminal and at block 1205 b where the POS terminal detects the wearable device. For example, an NFC antenna of the detecting can detect a magnetic field transmitted via an NFC antenna of the other device. As another example, a tag detection or dispatch system on the detecting device can discover an NFC tag associated with the other device. The detection can include receiving data from the POS terminal (e.g., via NFC). The data can indicate that the detecting device is near a device that is a type of the other device (e.g., a user device or POS terminal). In some instances, the detecting device can analyze the data and determine that the data is to be handled by a transaction app on the device.
A risk of allowing a user device to participate in transactions is that there can be a potential that payment information will be accessed by unintended recipients. For example, there can generally be a risk that a nearby device can eavesdrop on a communication with payment information, or that malicious software on a device can retrieve the payment information and transmit it to another device without authorization by a user. Embodiments of the invention provide several techniques that can mitigate this potential. First, payment information can be securely stored and controlled by a secure element. The secure element can condition access on detection of a local input. For example, access can be prevented unless it is detected that a button on the device has been mechanically pressed. Such conditioning can inhibit software from accessing the payment information without a corresponding user intent to do so. Second, payment information can be transmitted using NFC. The very short range of this communication can reduce an opportunity for a nearby device to receive the information.
storing, at a secure element of a portable electronic device, payment information associated with a payment account, the payment information including an identifier associated with the payment account, wherein the secure element controls access to the payment information and is separate from an app processor of the portable electronic device;
detecting, at the portable electronic device, that a transaction app is executing at the portable electronic device;
displaying, at the portable electronic device and via the transaction app, a representation of a payment card corresponding to the payment account, wherein the representation of the payment card does not include an account number identifying the payment account;
determining, via the transaction app, when a data-release condition is satisfied, wherein satisfaction of the data-release condition comprises detecting:
a fingerprint that corresponds to a fingerprint signature; or
a predetermined passcode;
wirelessly detecting a point-of-service terminal;
upon determining that the data-release condition is satisfied and detecting the point-of-service terminal:
receiving the payment information from the secure element; and
wirelessly transmitting a representation of the payment information to the point-of-service terminal.
2. The method of claim 1, wherein the payment information is wirelessly transmitted to the point-of-service terminal via near-field communication.
storing, at the secure element, other payment information associated with an other payment account, the other payment information including an identifier associated with the other payment account; and
displaying, at the portable electronic device and via the transaction app, an other representation of an other card corresponding to the other payment account, wherein the other representation is displayed prior to a time at which the representation of the payment card is displayed.
detecting, at the portable electronic device, an input corresponding to a request to switch the other representation of the other card;
wherein the representation of the payment card is displayed in response to detecting the input.
5. The method of claim 1, further comprising encrypting the payment information stored at the secure element.
receiving, subsequent to the wireless transmission and at the portable electronic device, receipt data that identifies at least one of an entity associated with the point-of-service terminal, a day, or a payment amount; and
storing the receipt data.
7. The method of claim 1, wherein the portable electronic device comprises a wearable device.
a user interface component configured to output stimulus and receive inputs;
one or more processors coupled to the user interface component; and
a computer-readable storage medium containing instructions, that, when executed by the one or more processors, cause the one or more processors to perform actions including:
detecting that a transaction app is executing at the electronic device;
displaying, using the user interface component and via the transaction app, a representation of a card corresponding to a payment account, the representation of the card including a graphic of a payment network associated with the payment account;
determining, via the transaction app, whether a data-release condition is satisfied, wherein satisfaction of the data-release condition requires detecting biometric data that corresponds to a biometric signature;
wirelessly detecting a point-of-service terminal; and
receiving payment information from a secure element wherein the secure element controls access to the payment information and is separate from an app processor of the one or more processors, the payment information including an identifier representative of the payment account; and
wirelessly transmitting the payment information to the point-of-service terminal.
9. The electronic device of claim 8, wherein the payment information is wirelessly transmitted to the point-of-service terminal via near-field communication.
10. The electronic device of claim 8, wherein the actions further include:
displaying, using the user interface component and via the transaction app, an other representation of an other card corresponding to the other payment account, wherein the other representation is displayed prior to a time at which the representation of the card is displayed.
11. The electronic device of claim 10, wherein the actions further include:
detecting, using the user interface component, an input corresponding to a request to switch the other representation of the other card;
wherein the representation of the card is displayed in response to detecting the input.
12. The electronic device of claim 8, wherein the payment information received from the secure element is encrypted.
13. The electronic device of claim 8, wherein the actions further include:
receiving, subsequent to the wireless transmission, receipt data that identifies an entity associated with the point-of-service terminal, a day, and a payment amount; and
14. The electronic device of claim 8, wherein the electronic device includes a watch.
detecting an image of a card captured by a camera of a portable electronic device;
automatically detecting payment information associated with a payment account based on the image, the payment information comprising an identifier associated with the payment account;
storing, at a secure element of the portable electronic device, the detected payment information, wherein the secure element controls access to the detected payment information and is separate from an app processor of the portable electronic device;
displaying, at the portable electronic device, a card representation corresponding to the payment account, the card representation omitting at least one item of information included in the image of the card;
receiving input data at the portable electronic device;
determining whether the input data corresponds to a stored user signature; and
when it is determined that the received input data corresponds to the stored user signature:
facilitating receiving the payment information from the secure element; and
16. The method of claim 15, wherein the payment information is wirelessly transmitted to the point-of-service terminal via near-field communication.
displaying, at the portable electronic device, the card representation in response to detecting input to dismiss a representation of an other card.
18. The method of claim 15, wherein the received input data comprises fingerprint data.
20. The method of claim 15, wherein the portable electronic device comprises a watch.
US15/186,114 2014-05-29 2016-06-17 User device enabling access to payment information in response to mechanical input detection Active US10223682B2 (en)
US201462004338P true 2014-05-29 2014-05-29
US14/475,424 US9400977B2 (en) 2014-05-29 2014-09-02 User device enabling access to payment information in response to mechanical input detection
US15/186,114 US10223682B2 (en) 2014-05-29 2016-06-17 User device enabling access to payment information in response to mechanical input detection
US15/624,322 US20170286938A1 (en) 2014-05-29 2017-06-15 User device enabling access to payment information in response to mechanical input detection
US14/475,424 Continuation US9400977B2 (en) 2014-05-29 2014-09-02 User device enabling access to payment information in response to mechanical input detection
US15/624,322 Continuation US20170286938A1 (en) 2014-05-29 2017-06-15 User device enabling access to payment information in response to mechanical input detection
US20160300211A1 US20160300211A1 (en) 2016-10-13
US10223682B2 true US10223682B2 (en) 2019-03-05
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US14/475,424 Active US9400977B2 (en) 2014-05-29 2014-09-02 User device enabling access to payment information in response to mechanical input detection
US15/186,114 Active US10223682B2 (en) 2014-05-29 2016-06-17 User device enabling access to payment information in response to mechanical input detection
US15/624,322 Pending US20170286938A1 (en) 2014-05-29 2017-06-15 User device enabling access to payment information in response to mechanical input detection
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