Midrange contactless transactions

Patent metadata

Field	Value
Publication number	US-9717108-B2
Application number	US-201514746470-A
Country	US
Kind code	B2
Filing date	Jun 22, 2015
Priority date	Jun 20, 2014
Publication date	Jul 25, 2017
Grant date	Jul 25, 2017

Abstract

Techniques for conducting a transaction in a midrange wireless communication system are described. The techniques may include detecting a beacon transmission from a midrange wireless base station, determining that the beacon transmission includes a transaction service identifier, and invoking a transaction application associated with the transaction service identifier. The techniques may also include receiving transaction information for a transaction associated with a transaction identifier mapped to the device identifier; and sending a transaction cryptogram from the transaction application to the midrange wireless base station to conduct the transaction.

First claim

What is claimed is:

1. A communication device comprising:
a midrange wireless transceiver;
a controller; and
a memory storing a set of instructions, which when executed by the controller, causes the communication device to:
detect, using the midrange wireless transceiver, a beacon transmission from a midrange wireless base station;
determine that the beacon transmission includes a transaction service identifier recognized by a transaction application accessible to the communication device;
in response to determining that the beacon transmission includes a transaction service identifier recognized by the transaction application:
invoke a transaction application associated with the transaction service identifier; and
establish a secured communication channel with the midrange wireless base station;
receive, on the secured communication channel, transaction information for a transaction associated with a transaction identifier mapped to a device identifier associated with the communication device; and
transmit, on the secured communication channel, a transaction cryptogram from the transaction application to the midrange wireless base station to conduct the transaction.

2. The communication device of claim 1 , wherein the communication device is an accessory communicatively coupled to a mobile device, and the transaction application is executed on the mobile device.

3. The communication device of claim 2 , wherein the communication device is a vehicle.

4. The communication device of claim 2 , wherein the set of instructions further causes the communication device to forward the transaction information to the mobile device.

5. The communication device of claim 2 , wherein the set of instructions further causes the communication device to receive the transaction identifier mapped to the device identifier from the midrange wireless base station.

6. The communication device of claim 2 , wherein the transaction information is received in response to the transaction identifier being provided to an acceptance terminal communicatively coupled to the midrange wireless base station.

7. The communication device of claim 2 , wherein the device identifier associated with the communication device identifies one of the communication device or the mobile device.

8. A method comprising:
detecting, by a midrange wireless transceiver of a communication device, a beacon transmission from a midrange wireless base station;
determining that the beacon transmission includes a transaction service identifier;
in response to determining that the beacon transmission includes a transaction service identifier:
invoking a transaction application associated with the transaction service identifier; and
establishing a secured communication channel with the midrange wireless base station;
receiving, from the midrange wireless base station on the secured communication channel, transaction information for a transaction associated with a transaction identifier mapped to a device identifier associated with the communication device; and
sending a transaction cryptogram from the transaction application to the midrange wireless base station to conduct the transaction.

9. The method of claim 8 , wherein the communication device is an accessory communicatively coupled to a mobile device, and the transaction application is executed on the mobile device.

10. The method of claim 9 , wherein the communication device is a vehicle.

11. The method of claim 9 , further comprising:
forwarding the transaction information to the mobile device.

12. The method of claim 9 , further comprising:
receiving the transaction identifier mapped to the device identifier from the midrange wireless base station.

13. The method of claim 9 , wherein the transaction information is received in response to the transaction identifier being provided to an acceptance terminal communicatively coupled to the midrange wireless base station.

14. The method of claim 9 , wherein the device identifier associated with the communication device identifies one of the communication device or the mobile device.

15. A mobile device comprising:
a midrange wireless transceiver;
a processor; and
a memory storing a set of instructions, which when executed by the processor, causes the mobile device to:
establish a communication channel with a communication device via the midrange wireless transceiver;
receive a request to invoke a transaction application associated with a transaction service identifier of a beacon transmission from a midrange wireless base station detected by the communication device;
execute the transaction application associated with the transaction service identifier;
receive transaction information of a transaction associated with a transaction identifier mapped to a device identifier associated with the communication device; and
transmit a transaction cryptogram to the communication device for forwarding to the midrange wireless base station to conduct the transaction.

16. The mobile device of claim 15 , wherein the communication device is an accessory communicatively coupled to the mobile device.

17. The mobile device of claim 16 , wherein the accessory is a vehicle.

18. The mobile device of claim 15 , wherein the set of instructions further causes the mobile device to receive the transaction identifier from the communication device.

19. The mobile device of claim 15 , wherein the set of instructions further causes the mobile device to request a confirmation input before transmitting the transaction cryptogram.

20. The mobile device of claim 15 , wherein the set of instructions further causes the mobile device to request input to modify the received transaction information.

Assignees

• Visa Int Service Ass

Inventors

• Raj Thanigaivel Ashwin
• Sharma Sanjeev
• Subramanian Kaushik

Classifications

• H04W12/06

  Authentication · CPC title

• H04W12/02

  Protecting privacy or anonymity, e.g. protecting personally identifiable information [PII] · CPC title

• H04W76/11 Primary

  Allocation or use of connection identifiers · CPC title

• H04W76/14 Primary

  Direct-mode setup · CPC title

• H04W48/16

  Discovering, processing access restriction or access information · CPC title