Location dependent communications between mobile devices and transaction terminals

Patent metadata

Field	Value
Publication number	US-2016192123-A1
Application number	US-201514984762-A
Country	US
Kind code	A1
Filing date	Dec 30, 2015
Priority date	Dec 30, 2014
Publication date	Jun 30, 2016
Grant date	—

Abstract

A mobile device having: a position determination device configured to determine a location of the mobile device; a transceiver configured to communicate with a transaction terminal via near field communication; a communication device configured to communicate with at least one server over internet; a memory storing a plurality of data items and a set of instructions of a mobile application; and at least one microprocessor coupled with the memory to execution the instructions of the mobile application. The mobile application is configured to: communicate the location of the mobile device, using the communication device, to the at least one server over internet; determine, via communications with the at least one server based on the location of the mobile device, an order of data items; and communicate, using the transceiver via near field communication, with the transaction terminal in accordance with the order of the data items.

First claim

What is claimed is:

1 . A mobile device, comprising:
a position determination device configured to determine a location of the mobile device; a transceiver configured to communicate with a transaction terminal via near field communication; a communication device configured to communicate with at least one server over internet; a memory storing a plurality of data items and a set of instructions of a mobile application; and at least one microprocessor coupled with the memory to execution the instructions of the mobile application configured to:
communicate the location of the mobile device, using the communication device, to the at least one server over internet;
determine, via communications with the at least one server based on the location of the mobile device, an order of data items; and
communicate, using the transceiver via near field communication, with the transaction terminal in accordance with the order of the data items.

2 . The mobile device of claim 1 , wherein the order of the data items is determined prior to a communication session with the transaction terminal via near field communication.

3 . The mobile device of claim 1 , wherein the order of the data items is determined based on a category identified from the location of the mobile device.

4 . The mobile device of claim 3 , wherein the mobile application is further configured to receive, from the at least one server, the category determined by the at least one server based on the location of the mobile device.

5 . The mobile device of claim 4 , wherein the at least one server includes a geolocation server configured to map the location to a name and address and an attribute server configured to map the name and address to the category.

6 . The mobile device of claim 4 , wherein the mobile application includes a mobile wallet configured to make a payment with the transaction terminal using at least one of the plurality of data items.

7 . The mobile device of claim 6 , wherein each of the plurality of data items is an account identifier of a payment account.

8 . The mobile device of claim 7 , wherein payment accounts identified by the plurality of data items have different benefits associated with different merchant categories; and the mobile application is further configured to determine the order from ranking potential benefits of the payment from using the payment accounts according to the category identified from the location of the mobile device.

9 . The mobile device of claim 1 , wherein the position determination device includes a global positioning system (GPS) receiver.

10 . A method, comprising:
providing a mobile application in a mobile device having
a position determination device configured to determine a location of the mobile device;
a transceiver configured to communicate with a transaction terminal via near field communication;
a communication device configured to communicate with at least one server over internet;
a memory storing a plurality of data items and a set of instructions of a mobile application; and
at least one microprocessor coupled with the memory to execution the instructions of the mobile application;
communicating, by the mobile application, the location of the mobile device, using the communication device, to the at least one server over internet; determining, by the mobile application via communications with the at least one server based on the location of the mobile device, an order of data items; and communicating, by the mobile application using the transceiver via near field communication, with the transaction terminal in accordance with the order of the data items.

11 . The method of claim 1 , wherein the position determination device includes a global positioning system (GPS) receiver.

12 . The method of claim 10 , wherein the order of the data items is determined prior to a communication session with the transaction terminal via near field communication.

13 . The method of claim 10 , wherein the order of the data items is determined based on a category identified from the location of the mobile device.

14 . The method of claim 13 , wherein the mobile application is further configured to receive, from the at least one server, the category determined by the at least one server based on the location of the mobile device.

15 . The method of claim 14 , wherein the at least one server includes a geolocation server configured to map the location to a name and address and an attribute server configured to map the name and address to the category.

16 . The method of claim 14 , wherein the mobile application includes a mobile wallet configured to make a payment with the transaction terminal using at least one of the plurality of data items.

17 . The method of claim 16 , wherein each of the plurality of data items is an account identifier of a payment account.

18 . The method of claim 17 , wherein payment accounts identified by the plurality of data items have different benefits associated with different merchant categories;
and the mobile application is further configured to determine the order from ranking potential benefits of the payment from using the payment accounts according to the category identified from the location of the mobile device.

19 . A non-transitory computer storage medium storing instructions configured to instruct a mobile device to perform a method, the method comprising:
providing a mobile application in the mobile device having
a position determination device configured to determine a location of the mobile device;
a transceiver configured to communicate with a transaction terminal via near field communication;
a communication device configured to communicate with at least one server over internet;
a memory storing a plurality of data items and a set of instructions of a mobile application; and
at least one microprocessor coupled with the memory to execution the instructions of the mobile application;
communicating, by the mobile application, the location of the mobile device, using the communication device, to the at least one server over internet; determining, by the mobile application via communications with the at least one server based on the location of the mobile device, an order of data items; and communicating, by the mobile application using the transceiver via near field communication, with the transaction terminal in accordance with the order of the data items.

20 . The non-transitory computer storage medium of claim 19 , wherein the order of the data items is determined prior to a communication session with the transaction terminal via near field communication.

Assignees

• Visa Int Service Ass

Inventors

• Lim Kwang Hyun

Classifications

• G06Q20/3278

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/3224 Primary

  Transactions dependent on location of M-devices · CPC title

• H04W4/023

  using mutual or relative location information between multiple location based services [LBS] targets or of distance thresholds · 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

• H04W4/02

  Services making use of location information · CPC title