Location-Based Credential Selection for Wireless Transactions

Patent metadata

Field	Value
Publication number	US-2019098499-A1
Application number	US-201715718242-A
Country	US
Kind code	A1
Filing date	Sep 28, 2017
Priority date	Sep 28, 2017
Publication date	Mar 28, 2019
Grant date	—

Abstract

The present disclosure includes an electronic device for selecting a credential based at least in part on location information. The electronic device can include a secure transaction subsystem and a processor. The secure transaction subsystem can be configured to store a plurality of credentials. The processor can be communicatively coupled to the secure transaction subsystem and configured to receive the location information from one or more radios. Further, the processor can be configured to determine that a distance between the electronic device and a terminal is less than a predetermined distance based on the location information. In response to determining the distance between the electronic device and the terminal is less than the predetermined distance, the processor can be configured to select the credential from the plurality of credentials based at least in part on the type of terminal.

First claim

What is claimed is:

1 . An electronic device comprising:
a secure transaction subsystem configured to store a plurality of credentials; and a processor communicatively coupled to the secure transaction subsystem and configured to:
receive a poll message from one or more radios;
in response to receiving the poll message, send a response message to the one or more radios;
receive location information;
determine that a distance between the electronic device and a terminal is less than a predetermined distance, based at least in part on the location information; and
in response to determining the distance between the electronic device and the terminal is less than the predetermined distance, select a credential from the plurality of credentials.

2 . The electronic device of claim 1 , further comprising:
a memory configured to store a virtual map that includes a location of the terminal, wherein the processor is further configured to determine that the distance between the electronic device and the terminal is less than the predetermined distance based at least in part on the location of the terminal and the location information.

3 . The electronic device of claim 1 , wherein the location information comprises an indication that the distance between the electronic device and the terminal is less than the predetermined distance.

4 . The electronic device of claim 1 , wherein at least one of the one or more radios comprises an ultra-wideband (UWB) radio.

5 . The electronic device of claim 1 , wherein the processor is further configured to:
establish communication between the electronic device and the terminal via a short-distance wireless radio on the electronic device; and in response to establishing communication, initiate a transaction with the terminal via the short-distance wireless radio.

6 . The electronic device of claim 5 , wherein the processor is further configured to receive authentication information indicating that the transaction is authorized.

7 . The electronic device of claim 6 , wherein the authentication information comprises one of a personal identification number (PIN), a fingerprint, a facial image, or a voice sample.

8 . The electronic device of claim 5 , wherein the short-distance wireless radio comprises a near-field communication (NFC) radio.

9 . The electronic device of claim 1 ,wherein the location information is based at least in part on a time of flight of the poll and response messages.

10 . The electronic device of claim 1 , wherein the processor is further configured to select the credential based at least in part on the type of terminal.

11 . An electronic device comprising:
a secure transaction subsystem configured to store a plurality of credentials; and a processor communicatively coupled to the secure transaction subsystem and configured to:
receive location information from one or more radios;
determine that a distance between the electronic device and a terminal is less than a predetermined distance, based at least in part on the location information; and
in response to determining the distance between the electronic device and the terminal is less than the predetermined distance, select a credential from the plurality of credentials.

12 . The electronic device of claim 11 , wherein the processor is further configured to:
receive a poll message from an other radio; in response to receiving the poll message, send a response message to the other radio, wherein the location information is based at least in part on the poll and response messages.

13 . The electronic device of claim 12 , wherein the other radio comprises an ultra-wideband (UWB) radio.

14 . The electronic device of claim 11 , further comprising:
a memory configured to store a virtual map that includes a location of the terminal, wherein the processor is further configured to determine that the distance between the electronic device and the terminal is less than the predetermined distance based at least in part on the location of the terminal and the location information.

15 . The electronic device of claim 11 , wherein the location information comprises an indication that the distance between the electronic device and the terminal is less than the predetermined distance.

16 . The electronic device of claim 11 , wherein the processor is further configured to:
establish communication between the electronic device and the terminal via a short-distance wireless radio on the electronic device; and in response to establishing communication, initiate a transaction with the terminal via the short-distance wireless radio.

17 . A method for selecting a credential from a plurality of credentials stored on an electronic device, the method comprising:
receiving a poll message from a first radio; in response to receiving the poll message, sending a response message to the first radio; receiving location information from a second radio, wherein the location information is based at least in part on the poll and response messages; determining that a distance between the electronic device and a terminal is less than a predetermined distance, based at least in part on the location information; in response to determining the distance between the electronic device and the terminal is less than the predetermined distance, selecting the credential from the plurality of credentials; establishing communication between the electronic device and the terminal via a short-distance wireless radio on the electronic device; and in response to establishing communication, initiating a transaction with the terminal via the short-distance wireless radio.

18 . The method of claim 18 , wherein the first radio comprises an ultra-wideband (UWB) radio configured to decrypt the response message, wherein the response message is encrypted with a hard-coded secure key.

19 . The method of claim 18 , further comprising:
storing a virtual map that includes a location of the terminal, wherein the determining the distance between the electronic device and the terminal is less than the predetermined distance comprises determining the distance based at least in part on the location of the terminal and the location information.

20 . The method of claim 17 , wherein selecting the credential comprises selecting the credential based at least in part on the type of terminal.

Assignees

• Apple Inc

Inventors

• Lerch Matthias
• Galdo Florian

Classifications

• H04W76/02

  Electricity · mapped topic

• H04W4/008

  Electricity · mapped topic

• H04W12/12

  Detection or prevention of fraud · CPC title

• H04W12/06 Primary

  Authentication · CPC title

• G01S5/14 Primary

  Determining absolute distances from a plurality of spaced points of known location · CPC title