Ultra-wideband-enabled devices and systems

Patent metadata

Field	Value
Publication number	US-2021312424-A1
Application number	US-202117220415-A
Country	US
Kind code	A1
Filing date	Apr 1, 2021
Priority date	Apr 1, 2020
Publication date	Oct 7, 2021
Grant date	—

Abstract

An ultra-wideband (UWB)-enabled payment acceptance system can include a UWB anchor and a terminal device. The UWB anchor identifies UWB-enabled devices within a vicinity; and in response to receiving an indication of an intent to perform a payment transaction from a particular UWB-enabled device, the UWB anchor establishes a secure communication channel with the particular UWB-enabled device. The terminal device, via the UWB anchor, communicates transaction related information over the secure communication channel to the particular UWB-enabled device and receives a transaction payload from the particular UWB-enabled device over the secure communication channel. A UWB-enabled device includes a processor, storage, a battery, and a UWB chip. Instructions can be stored in the storage of the UWB-enabled device that when executed by the processor direct the UWB-enabled device to perform various processes supporting frictionless transactions, such as with respect to the UWB-enabled payment acceptance system.

First claim

What is claimed is:

1 . An ultra-wideband-enabled payment acceptance system comprising:
an ultra-wideband (UWB) anchor comprising circuitry, a transceiver, an antenna, and storage; and a terminal device communicably coupled to the UWB anchor, wherein the UWB anchor identifies UWB-enabled devices within a vicinity, tracking approach angle and distance of the UWB-enabled devices; and in response to receiving an indication of an intent to perform a payment transaction from a particular UWB-enabled device, the UWB anchor establishes a secure communication channel with the particular UWB-enabled device; and wherein the terminal device, via the UWB anchor, communicates transaction related information over the secure communication channel to the particular UWB-enabled device and receives a transaction payload from the particular UWB-enabled device over the secure communication channel based on authentication and consent processes carried out at the particular UWB-enabled device.

2 . The system of claim 1 , wherein the transaction related information comprises an EMV data preference, the transaction payload being generated by the particular UWB-enabled device according to the EMV data preference.

3 . The system of claim 2 , wherein the EMV data preference is one of EMV format of DE 55 data, UCAF format of DE 55 data, AEVV format of DE 55 data, or CAVV format of DE 55 data.

4 . A method comprising:
identifying, via an ultra-wideband (UWB) anchor, UWB-enabled devices within a vicinity, tracking approach angle and distance of the UWB-enabled devices; receiving, via the UWB anchor, an indication of an intent to perform a payment transaction from a particular UWB-enabled device; establishing, via the UWB anchor, a secure communication channel with the particular UWB-enabled device; communicating, via the secure communication channel, transaction related information; and receiving, via the secure communication channel, a transaction payload from the particular UWB-enabled device.

5 . The method of claim 4 , further comprising:
performing, via a terminal communicably coupled to the UWB anchor, a transaction using the transaction payload.

6 . The method of claim 4 , wherein the transaction related information comprises an EMV data preference, the transaction payload being generated by the particular UWB-enabled device according to the EMV data preference.

7 . The method of claim 4 , further comprising:
providing the particular UWB-enabled device access to an asset.

8 . An ultra-wideband-enabled device comprising:
a processor, a storage, a battery, an ultra-wideband (UWB) chip configured to transmit pulses and, upon receiving an indication of another UWB chip within a vicinity, perform ranging operations to determine distances between the UWB-enabled device and the other UWB chip, and instructions stored on the storage that when executed by the processor direct the UWB-enabled device to:
engage the UWB chip to initiate the transmission of pulses; and
receive, via a secure communication channel established between the UWB chip and a UWB-enabled payment acceptance system comprising the other UWB chip, transaction related information.

9 . The device of claim 8 , wherein the instructions further direct the UWB-enabled device to:
generate a transaction payload based on the transaction related information; and communicate, via the secure communication channel established between the UWB chip and the UWB-enabled payment acceptance system, the transaction payload.

10 . The device of claim 9 , wherein the transaction related information comprises an EMV data preference, the transaction payload being generated according to the EMV data preference.

11 . The device of claim 9 , wherein the instructions further direct the UWB-enabled device to:
initiate a wallet application; and receive, via the wallet application, a trigger to initiate payment towards the UWB-enabled payment acceptance system, wherein the transaction payload comprises tokenized credentials from the wallet application.

12 . The device of claim 11 , wherein the wallet application is initiated in response to receipt of the transaction related information via the secure communication channel.

13 . The device of claim 8 , wherein the transaction related information comprises merchant information, itemized goods, and a total amount, wherein the instructions further direct the UWB-enabled device to:
initiate a payment application; and initiate a payment to a merchant identified by the merchant information via the payment application.

14 . The device of claim 13 , wherein the payment application is initiated in response to receipt of the transaction related information via the secure communication channel.

15 . The device of claim 8 , wherein the instructions further direct the UWB-enabled device to:
determine a proximity distance and approach angle to a fare gate at which the UWB-enabled payment acceptance system is located based on the ranging operations of the UWB chip with respect to the other UWB chip at the UWB-enabled payment acceptance system; and wherein, upon a determination of being within a particular proximity distance and approach angle to the fare gate, generate a transaction payload based on the transaction related information; and communicate, via the secure communication channel established between the UWB chip and the UWB-enabled payment acceptance system, the transaction payload.

16 . The device of claim 8 , wherein the UWB-enabled payment acceptance system comprises a terminal anchor and merchant point of sale (POS) system, wherein the instructions further direct the UWB-enabled device to:
initiate a payment application; receive, at the payment application, information of items for purchase; add the items for purchase to a cart, wherein the transaction related information received via the secure communication channel comprises the cart and a total amount; generate a transaction payload based on the transaction related information; and communicate, via a second secure communication channel established between the UWB chip and an exit anchor having another UWB chip and associated with the merchant POS system, the transaction payload.

17 . The device of claim 16 , wherein the transaction related information further comprises an EMV data preference, the transaction payload being generated according to the EMV data preference.

18 . The device of claim 17 , wherein the instructions further direct the UWB-enabled device to:
receive location-based content from at least one additional anchor via a communication channel established between the UWB chip and any of a plurality of anchors.

19 . The device of claim 8 , wherein the UWB-enabled device is a vehicle.

20 . The device of claim 8 , wherein the UWB-enabled device is a smartphone.

Assignees

• Mastercard International Inc

Inventors

• Lee Charles Sangwon
• Botes Charl Frederik
• Beltramino Gabriel
• Eininger Danielle Jean

Classifications

• G07F7/0893

  the card reader reading the card in a contactless manner · CPC title

• G06Q20/325

  using wireless networks · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• G06Q20/3278 Primary

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

• G06K7/10306 Primary

  ultra wide band · CPC title