Mobile device with disabling feature

Patent metadata

Field	Value
Publication number	US-10600045-B2
Application number	US-201816016459-A
Country	US
Kind code	B2
Filing date	Jun 22, 2018
Priority date	Jan 9, 2007
Publication date	Mar 24, 2020
Grant date	Mar 24, 2020

Abstract

A mobile device with a disabling feature is disclosed. The method includes activating a mobile device having a timeout feature to disable a function of the mobile device after a set period of time. The period of time may be chosen by a user of the mobile device.

First claim

What is claimed is:

1. A method comprising:
receiving a first configurable predetermined timeout time by a mobile device, wherein the mobile device comprises a mobile application, the mobile application capable of selection by a user, and wherein the first configurable predetermined timeout time is chosen by the user;
receiving a password by the mobile application at a first time, the mobile application associated with account information;
initiating a first transaction using the mobile device by executing the mobile application in the mobile device after receiving the password, wherein the mobile application has a functionality and is further configured for password protection;
during the first transaction, starting a timer to begin timing the first transaction that counts down from the first configurable predetermined timeout time;
for subsequent transactions before the first configurable predetermined timeout time has elapsed, receiving a reselection of the mobile application, the reselection not requiring a password to be entered after the password is entered the first time, even while the mobile application is configured for password protection; and
disabling the mobile application after the first configurable predetermined timeout time has elapsed.

2. The method of claim 1 wherein the mobile application stores a credit card number.

3. The method of claim 1 wherein the first configurable predetermined timeout time is 30 seconds or less.

4. The method of claim 1 further comprising, providing the account information to an access device.

5. The method of claim 1 further comprising setting the mobile application to an always on state where transactions can be conducted with the mobile application while the mobile device is on.

6. The method of claim 1 wherein a contactless transaction using the mobile application cannot be made using the mobile device when the mobile application is disabled.

7. The method of claim 1 wherein the executing the mobile application is initiated by pressing a soft key on the mobile device.

8. The method of claim 1 further comprising, displaying by the mobile device a message that the mobile device is ready to conduct a transaction.

9. The method of claim 1 wherein the mobile application is linked to a debit card.

10. The method of claim 1 wherein the mobile device is a mobile phone.

11. A mobile device comprising:
a processor; and
a computer readable medium, the computer readable medium comprising a method, the method comprising
receiving a first configurable predetermined timeout time, wherein the mobile device comprises a mobile application, the mobile application capable of selection by a user, and wherein the first configurable predetermined timeout time is chosen by the user,
receiving a password by the mobile application at a first time, the mobile application associated with account information,
initiating a first transaction using the mobile device by executing the mobile application in the mobile device after receiving the password, wherein the mobile application has a functionality and is further configured for password protection,
during the first transaction, starting a timer to begin timing the first transaction that counts down from the first configurable predetermined timeout time,
for subsequent transactions before the first configurable predetermined timeout time has elapsed, receiving a reselection of the mobile application, the reselection not requiring a password to be entered after the password is entered the first time, even while the mobile application is configured for password protection, and
disabling the mobile application after the first configurable predetermined timeout time has elapsed.

12. The mobile device of claim 11 wherein the mobile application stores a credit card number.

13. The mobile device of claim 11 wherein the first configurable predetermined timeout time is 30 seconds or less.

14. The mobile device of claim 11 wherein the method further comprises providing the account information to an access device.

15. The mobile device of claim 11 wherein the method further comprises setting the mobile application to an always on state where transactions can be conducted with the mobile application while the mobile device is on.

16. The mobile device of claim 11 wherein a contactless using the mobile application cannot be made using the mobile device when the mobile application is disabled.

17. A method comprising:
during a first transaction, receiving by an access device, account information from a mobile device, the mobile device configured to (i) receive a first configurable predetermined timeout time, wherein the mobile device comprises a contactless element that is configured to be read by a contactless reader in the access device, the mobile device comprising a mobile application, the mobile application capable of selection by a user, and wherein the first configurable predetermined timeout time is chosen by the user, (ii) receive a password at a first time, the mobile application associated with account information, (iii) initiate the first transaction by executing the mobile application after receiving the password, wherein the mobile application has a functionality and is further configured for password protection, (iv) during the first transaction, start a timer to begin timing the first transaction that counts down from the first configurable predetermined timeout time, and (v) disable the mobile application after the first configurable predetermined timeout time has elapsed; and
during a second transaction by the access device or another access device, receiving the account information from the mobile device, before the first configurable predetermined timeout time has elapsed and after the user reselects the mobile application, the reselecting not requiring the password to be entered after the password is entered the first time, even while the mobile application is configured for password protection.

18. The method of claim 17 , wherein the access device is a point of sale terminal.

19. The method of claim 17 , wherein the mobile application stores a credit card number.

20. The method of claim 17 wherein the first configurable predetermined timeout time is 30 seconds or less.

Assignees

• Visa Usa Inc

Inventors

• Shenker Gavin
• Wentker David
• Deibert Douglas
• Wong Erick

Classifications

• G06Q20/202

  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 · CPC title

• G06Q20/3221

  Access to banking information through M-devices · CPC title

• H04W4/80

  Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication · CPC title

• G06Q20/322

  Aspects of commerce using mobile devices [M-devices] · CPC title

• H04W88/02

  Terminal devices · CPC title