US20160247138A1 - Detachable electronic payment device - Google Patents

Detachable electronic payment device Download PDF

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Publication number
US20160247138A1
US20160247138A1 US15/046,819 US201615046819A US2016247138A1 US 20160247138 A1 US20160247138 A1 US 20160247138A1 US 201615046819 A US201615046819 A US 201615046819A US 2016247138 A1 US2016247138 A1 US 2016247138A1
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US
United States
Prior art keywords
payment
mobile
card data
detachable
mobile device
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Abandoned
Application number
US15/046,819
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English (en)
Inventor
George Wallner
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Samsung Electronics Co Ltd
Original Assignee
Samsung Pay Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority to RU2016127525A priority Critical patent/RU2684508C1/ru
Priority to KR1020187004123A priority patent/KR101941624B1/ko
Application filed by Samsung Pay Inc filed Critical Samsung Pay Inc
Priority to PCT/US2016/018421 priority patent/WO2016134117A1/en
Priority to CA2932862A priority patent/CA2932862C/en
Priority to JP2016548123A priority patent/JP6405386B2/ja
Priority to CN201680000815.7A priority patent/CN106104604A/zh
Priority to SG11201605005YA priority patent/SG11201605005YA/en
Priority to AU2016203801A priority patent/AU2016203801B2/en
Priority to US15/046,819 priority patent/US20160247138A1/en
Priority to KR1020167023058A priority patent/KR20160111997A/ko
Assigned to SAMSUNG PAY, INC. reassignment SAMSUNG PAY, INC. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: WALLNER, GEORGE
Publication of US20160247138A1 publication Critical patent/US20160247138A1/en
Priority to HK16114349A priority patent/HK1226180A1/zh
Assigned to SAMSUNG ELECTRONICS CO., LTD. reassignment SAMSUNG ELECTRONICS CO., LTD. ASSIGNMENT OF ASSIGNORS INTEREST (SEE DOCUMENT FOR DETAILS). Assignors: SAMSUNG PAY INC
Priority to US17/063,967 priority patent/US11538017B2/en
Abandoned legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/327—Short range or proximity payments by means of M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/32—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using wireless devices
    • G06Q20/322—Aspects of commerce using mobile devices [M-devices]
    • G06Q20/3223—Realising banking transactions through M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/353—Payments by cards read by M-devices
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/36—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes
    • G06Q20/367—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using electronic wallets or electronic money safes involving electronic purses or money safes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/382—Payment protocols; Details thereof insuring higher security of transaction
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/385—Payment protocols; Details thereof using an alias or single-use codes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/0893—Details of the card reader the card reader reading the card in a contactless manner

Definitions

  • the present disclosure relates generally to electronic payment devices, and more particularly to electronic devices that utilize mobile wallets.
  • Mobile wallets are increasingly replacing physical payment cards.
  • Mobile wallets, applications, and related contactless transmission hardware installed on mobile phones and tablets provide means for consumers to store electronic equivalents of debit and credit cards and use them to make point-of-sale (POS) contactless payments by holding the mobile device near a POS terminal.
  • POS point-of-sale
  • Mobile wallets and mobile payments have many advantages over traditional payment cards.
  • mobile phones and tablets are very personal devices that lack the casual portability aspect of payment cards.
  • mobile wallets are easy to use at retail locations equipped with consumer facing payment card accepting POS terminals, or where such terminals are within arm's reach of the consumer, mobile phones and tablets, being very personal devices, are less suitable for being handed over to establishment employees in place of a payment card.
  • the present disclosure generally provides payment devices that are detachable from a mobile device and that are also configured to perform payment transactions associated with a mobile wallet of the mobile device.
  • the detachable payment device may be implemented in the shape of a typical payment card (i.e., rectangular) or a stylus/electronic pen, for example.
  • the detachable payment device may use short range contactless transmissions such as, for example, Bluetooth, near-field communications (NFC), or magnetic secure transmissions (MST).
  • the payment device may have a docked mode and an undocked, and a contactless transmission mode. For example, while in the docked mode, the payment device may receive payment card data from a mobile wallet of the mobile device to which it is docked. Additionally, while docked, the payment device may transmit payment card data to a POS terminal's receiver, thereby acting as an integrated mobile payment unit with the mobile device. When undocked/detached, the payment device may operate independently from the mobile device and complete contactless payment transactions without the need of assistance from the mobile device. Yet, however, while detached, operations of the payment device may be supplemented by a wireless connection between the payment device and the mobile device.
  • FIG. 1 illustrates a system for performing mobile wallet transactions using a detachable payment device according to the present disclosure
  • FIG. 2A is a front view of a mobile device including a detachable payment device according to an embodiment of the present disclosure
  • FIG. 2B is a rear view of the mobile device including the detachable payment device of FIG. 2A according to the present disclosure
  • FIG. 3A is a front view of the mobile device including a detachable payment device according to another embodiment of the present disclosure
  • FIG. 3B is the detachable payment device implementable in accordance with FIG. 3A according to the present disclosure.
  • FIG. 4 illustrates example components of the detachable payment device according to the present disclosure.
  • the present disclosure generally relates to payment devices, detachable from a mobile device, that are capable of performing payment transactions associated with a mobile wallet of the mobile device or a mobile wallet stored in the detachable device.
  • An example of use of a mobile wallet application and a mobile wallet system is described in U.S. Pat. No. 9,022,285, entitled System and Method for Securely Loading, Storing and Transmitting Magnetic Stripe Data in a Device Working with a Mobile Wallet System, which is incorporated by reference herein in its entirety.
  • the detachable payment device may be implemented in a variety of shapes and sizes such as, for example, the shape of a typical payment card (i.e., rectangular), a fob or a stylus/electronic pen.
  • the detachable payment device may use short range contactless transmissions such as, for example, Bluetooth, near-field communications (NFC), or magnetic secure transmissions (MST).
  • short range contactless transmissions such as, for example, Bluetooth, near-field communications (NFC), or magnetic secure transmissions (MST).
  • the payment device While in a docked mode, the payment device may receive payment card data from a mobile wallet of the mobile device, and may transmit payment card data to a POS terminal's receiver, thereby acting as an integrated mobile payment unit with the mobile device. When in an undocked mode, the payment device may complete contactless payment transactions without assistance from the mobile device.
  • a mobile wallet is a software module or hardware implemented within a mobile device (e.g., a smart phone, smart watch, or tablet) that enables a user of the mobile device to perform credit/debit payment transactions using digital forms of credit and credit/debit cards electronically stored in the mobile wallet.
  • a mobile wallet may be used to make in-store purchases, and electronic purchases through software applications on a mobile device.
  • a mobile wallet securely stores information relating to payment cards or tokens, containing information such as card number, expiration date, name on the card, type of card, issuer of card, card verification value (CVV) number, or some other cryptographic authentication element, etc.
  • CVV card verification value
  • the mobile device is positioned within a threshold distance of a POS device, with the threshold distance being measured by the short range wireless transmission capabilities of the mobile device and/or the POS device.
  • some mobile wallet transactions require a user verify they are the owner of the transacted card by supplying a fingerprint or some other personal identifying information to the mobile device.
  • mobile wallet transactions utilize short range wireless transmissions to communicate data
  • the mobile device in many transactions, must be handed to a business establishment's employee when the POS device is inaccessible to the mobile device's user. This is unsatisfactory at least because mobile devices are highly personal, and people typically do not like handing highly personal items to strangers. It is against this backdrop that the present disclosure provides detachable payment devices that can be used to perform mobile wallet transactions, thereby eliminating the need to hand over to business employees the mobile payment device. Rather, only the detachable payment device is handed over.
  • FIG. 1 illustrates a system 100 for performing mobile wallet transactions using a detachable payment device according to the present disclosure.
  • the system 100 includes a mobile device 102 , a detachable payment device 104 , and a point-of-sale (POS) device 106 .
  • Examples of the payment device 104 are presented herein below as 104 a and 104 b in FIGS. 2A-2B and FIGS. 3A-3B , respectively
  • the mobile device 102 includes a mobile wallet 108 .
  • the mobile wallet 108 which may be implemented in the mobile device 102 as hardware or software, stores payment card data usable in contactless payment transactions.
  • the mobile device 102 may be a smart phone, smart watch, tablet, or like mobile device capable of including and operating a mobile wallet.
  • the payment device 104 detachably couples to the mobile device 102 as described herein below.
  • the payment device 104 may communicate with the mobile device 102 via physical means such as a set of physical contacts. For example, when docked to the mobile device 102 , the payment device 104 may draw power from the mobile device 102 via physical, electrical contacts, thereby replenishing an internal power source of the payment device 104 .
  • the payment device 104 may also communicate with the mobile device 102 via Bluetooth or other like wireless communications/connections. For example, when docked to the mobile device 102 , the payment device 104 may receive payment card data from the mobile wallet 108 of the mobile device 102 .
  • the detachable payment device 104 includes contactless payment transmission hardware or software, which is used to transmit payment card data associated with the mobile wallet 108 to the POS terminal/device 106 .
  • Contactless transmissions usable by the payment device 104 to communicate with the POS device 106 include, for example, near-field communication (NFC), magnetic secure transmission (MST), or like short range contactless transmissions that the POS device 106 is able to recognize and receive.
  • NFC near-field communication
  • MST magnetic secure transmission
  • the detachable payment device 104 may have a docked mode and a detached mode, with each mode enabling distinct processes/functions performable by the payment device 104 .
  • the docked mode may enable the payment device 104 to receive power from the mobile device 102 , thereby replenishing an internal power source/battery of the payment device 104 .
  • the power communicated to the payment device 104 may be transmitted via physical contacts that electrically connect the payment device 104 to the mobile device 102 , or receive battery charging power from the mobile device it is docked to.
  • the docked mode may enable the payment device 104 to operate as an integrated mobile payment unit with the mobile device 102 . That is, when the payment device 104 is docked, payment card data of the mobile wallet 108 may be transmitted, via short range contactless transmissions, to the POS device 106 by both the payment device 104 and the mobile device 102 .
  • the detached mode may enable the payment device 104 to operate independently from the mobile device 102 (i.e., the payment device 104 may complete a contactless payment transaction with the POS device 106 without assistance from the mobile device 102 ).
  • the detached mode does not need to limit the payment device 104 as such.
  • the payment device 104 may complete/perform transactions while being supplemented by the mobile device 102 through, e.g., Bluetooth or other like wireless communications/connections.
  • the mobile device can be used in two distinct modes. In one mode, the wallet resides on the mobile device and the detachable device is only an extension of that wallet. All major functions, such card storage, provisioning (including most security) are performed in the mobile device. In another mode, the mobile wallet resides in the detachable device and the mobile device (and the wallet application running on it, are used to control and manage the detachable device and to provide connectivity to wide area networks (phone network, WiFI, etc.) and the Internet.
  • wide area networks phone network, WiFI, etc.
  • the detachable payment device 104 may be configured to transmit payment card data to the POS device 106 automatically (e.g., transmit payment card data once the payment device 104 is located within a certain proximity of the POS device 106 ). The proximity may be dictated by the wireless transmission and reception capabilities of the payment device 104 and/or POS device 106 . the detachable payment device 104 may be configured to transmit payment card data upon a trigger event occurring. For example, payment card data may be transmitted after or when a user interacts with a button on the payment device 104 . In another example, payment card data may be transmitted after or when a user interacts with a fingerprint scanner on the payment device 104 .
  • payment card data may be transmitted in response to a remote command (e.g., interaction with a button or fingerprint scanner) originating from the mobile device 102 .
  • a remote command e.g., interaction with a button or fingerprint scanner
  • the triggering event used to activate transmission of payment card data from the payment device 104 may depend on implementation. For example, more than one triggering event may be used in situations where more security/encryption of payment card data is desired.
  • FIGS. 2A and 2B illustrate the mobile device 102 with a payment card shaped, i.e. rectangular, detachable payment device 104 a according to the present disclosure.
  • the mobile device 102 includes a housing 204 , which may contain a recess (not illustrated) into which the payment device 104 a may be docked.
  • the payment device 104 a may dock to the mobile device 102 at a non-recessed part of the housing 204 using for example, magnetic, physical, and other like attachment means.
  • the payment device 104 a may dock on the mobile device 102 anywhere that enables the payment device 104 a to receive charge and payment card data as described herein.
  • the payment device 104 a may dock to a top, middle, or bottom portion of the mobile device 102 .
  • the payment device 104 a may dock to or near a side edge, middle of (i.e., away from an edge of the mobile device 102 ), or top or bottom edge of the mobile device 102 .
  • the payment device 104 a may dock to a back/rear side of the mobile device 102 , one skilled in the art should appreciate that the payment device 104 a may dock to a front side or an edge of the mobile device 102 without departing from the scope of the present disclosure.
  • FIGS. 3A and 3B illustrate the mobile device 102 with a stylus shaped detachable payment device 104 b according to the present disclosure.
  • the payment device 104 b may merely take the form of a stylus without being configured to perform traditional stylus functions.
  • the payment device 104 b may take the form of a stylus, perform traditional stylus functions, and perform payment functions as described herein.
  • the payment device 104 b is configured to detachably dock to the mobile device 102 .
  • the payment device 104 b may dock within a recess of the mobile device 102 .
  • the payment device 104 b may dock to the mobile device 102 in a non-recessed part of the housing 204 using magnetic or other like attachment means.
  • the payment device 104 b may dock on the mobile device 102 anywhere that enables the payment device 104 b to receive charge and payment card data as described herein.
  • the payment device 104 b may dock to a top, middle, or bottom portion of the mobile device 102 .
  • the payment device 104 b may dock to or near a side edge, middle of (i.e., away from an edge of the mobile device 102 ), or top or bottom edge of the mobile device 102 . Additionally, while it is illustrated that the payment device 104 b may dock to a back/rear side of the mobile device 102 , one skilled in the art should appreciate that the payment device 104 b may dock to a front side or an edge of the mobile device 102 without departing from the scope of the present disclosure.
  • the detachable payment device 104 (also 104 a and 104 b ) has been described as attachable to the mobile device 102 , it should be appreciated that the payment device 104 may be a stand-alone device (i.e., not physically attachable to the mobile device 102 ). When the payment device 104 is a stand-alone device, it may have its own independent power source. Moreover, when stand-alone, the payment device 104 may maintain communications with the mobile wallet 108 via Bluetooth or other wireless communications/connections.
  • the detachable payment device 104 may be configured to communicate with the mobile device 102 and the mobile wallet 108 via wired communication/connections.
  • the wired communication/connections may be permanently coupled to the mobile device 102 and/or the payment device 104 .
  • the wired communication/connection means may be removably coupled to the mobile device 102 and/or the payment device 104 .
  • the detachable payment device 104 may be equipped to provide usage and location reporting and commands to and from the mobile device 102 and the mobile wallet 108 through Bluetooth, other like wireless communications, or wired communications.
  • usage reporting may result when and provide an indication that a waiter just pushed the PAY button.
  • Location reporting may include data such as continent of transaction, state of transaction, county of transaction, city of transaction, establishment of transaction, and the like information that may be available as a function of GPS capabilities available to the mobile device.
  • Commands to and from the mobile device may include which card was activated, if NFC is effected, the transaction amount, etc.
  • Such commands and reports may include usage reports, location alerts, and alarms.
  • the detachable payment device 104 may contain its own memory and cryptographic processor device(s) and store payment card information and use such payment card information to make contactless payments independently of the mobile device 102 and mobile wallet 108 , for example, when outside the range of their Bluetooth or other wireless communications means, or when the mobile device 102 is switched off or is inoperative.
  • the payment card information or credentials stored and transmitted by the payment device 104 may consist of static card data, such as card data stored on the magnetic stripe of a magnetic stripe card or chip card.
  • the payment card information or credentials may also consist of static card data with a dynamic element, such as a dynamic CVV.
  • the payment card information or credentials may be fully or partially tokenized card data, with or without a dynamic cryptogram. Such credentials can be either pre-loaded into the mobile device 102 via the mobile wallet 108 , or can be locally generated based on keys and other data loaded via the mobile wallet 108 .
  • the detachable payment device 104 may contain a set of communications contacts, such as a USB connector, and may be used to deliver payment card data or tokens to a consumer device, such as a laptop computer or tablet, to enable secure e-commerce payments.
  • a set of communications contacts such as a USB connector
  • the detachable payment device 104 may also be used as a secure storage of payment cards, credentials, tokens, and keys, which the payment device 104 makes available to the mobile wallet 108 of the mobile device 102 on demand.
  • the detachable device which contains the wallet and the keys—could be used to generate tokenized card data for Internet commerce, where the card data would be given to the user via the display of the mobile device.
  • FIG. 4 illustrates example components of the payment device 104 (which also represents payment devices 104 a and 104 b ).
  • the payment device 104 may include computer-readable and computer-executable instructions that reside on the payment device 104 , as will be discussed further below.
  • the payment device 104 includes input/output (I/O) device interfaces 402 , which provide the payment device 104 with connectivity and protocol support.
  • I/O input/output
  • a POS terminal antenna 404 may be used to provide connectivity between the payment device 104 and the POS terminal/device 106 .
  • the same antenna 404 or a separate mobile device antenna 406 may be used to provide connectivity between the payment device 104 and the mobile device 102 .
  • physical contacts 408 may be used to provide physical connectivity between the payment device 104 and the mobile device 102 .
  • the contacts 408 may be configured to couple directly to electrical contacts of the mobile device 102 , or may be configured to indirectly couple to the mobile device 102 via an external peripheral device connection such as universal serial bus (USB), FireWire, Thunderbolt, or other wired connection protocol.
  • USB universal serial bus
  • FireWire FireWire
  • Thunderbolt Thunderbolt
  • the antennae 404 , 406 may emit and receive Bluetooth, WiFi Direct, or NFC transmissions.
  • the antennae 404 , 406 may be based on other technology, such as ultrasonic communication or infrared communication.
  • the payment device 104 may include an address/data bus 410 for conveying data among components of the payment device 104 .
  • Each component within the payment device 104 may also be directly connected to other components in addition to (or instead of) being connected to other components across the bus 410 .
  • the payment device 104 may include a contactless payment transmission processor 412 , which may include a central processing unit (CPU) for processing data and computer-readable instructions that enable the payment device 104 to perform mobile wallet transactions as described herein.
  • the payment device 104 may also include a memory 414 for storing data (e.g., payment card data) and instructions.
  • the memory 414 may include volatile random access memory (RAM), non-volatile read only memory (ROM), non-volatile magnetoresistive (MRAM) and/or other types of memory.
  • the payment device 104 may also include a data storage component 416 , for storing data (e.g., payment card data) and controller/processor-executable instructions (e.g., instructions to perform the processes performed by the payment device 104 as described herein).
  • the data storage component 416 may include one or more non-volatile storage types such as magnetic storage, optical storage, solid-state storage, etc.
  • the detachable payment device 104 further includes a power source 418 .
  • the power source 418 may be a lithium ion battery or other like battery capable of being recharged.
  • communications are transmitted between the mobile device 102 , detachable payment device 104 , and POS device 106 when performing mobile wallet transactions.
  • the mobile device 102 may send a command to the detachable payment device 104 instructing it to transmit a particular card data sequence.
  • the command may include just the card ID (when the wallet resides in the detachable device) or it may include the entire card sequence, including authentication parameters.
  • Communications between the mobile device 102 and the detachable payment device 104 are encrypted.
  • the detachable payment device 104 is cryptographically bound to the mobile device 102 and the wallet account residing on the mobile device, as well as to its corresponding account.
  • Other communications may include card provisioning, card removal and card specific key updates.

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  • Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Finance (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Cash Registers Or Receiving Machines (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
US15/046,819 2015-02-20 2016-02-18 Detachable electronic payment device Abandoned US20160247138A1 (en)

Priority Applications (12)

Application Number Priority Date Filing Date Title
US15/046,819 US20160247138A1 (en) 2015-02-20 2016-02-18 Detachable electronic payment device
AU2016203801A AU2016203801B2 (en) 2015-02-20 2016-02-18 Detachable electronic payment device
PCT/US2016/018421 WO2016134117A1 (en) 2015-02-20 2016-02-18 Detachable electronic payment device
KR1020187004123A KR101941624B1 (ko) 2015-02-20 2016-02-18 착탈식 전자 결제 장치
JP2016548123A JP6405386B2 (ja) 2015-02-20 2016-02-18 取り外し可能な電子支払い装置
CN201680000815.7A CN106104604A (zh) 2015-02-20 2016-02-18 可分离电子支付设备
KR1020167023058A KR20160111997A (ko) 2015-02-20 2016-02-18 착탈식 전자 결제 장치
RU2016127525A RU2684508C1 (ru) 2015-02-20 2016-02-18 Съемное электронное платежное устройство
CA2932862A CA2932862C (en) 2015-02-20 2016-02-18 Detachable electronic payment device
SG11201605005YA SG11201605005YA (en) 2015-02-20 2016-02-18 Detachable electronic payment device
HK16114349A HK1226180A1 (zh) 2015-02-20 2016-12-16 可分離電子支付設備
US17/063,967 US11538017B2 (en) 2015-02-20 2020-10-06 Detachable electronic payment device

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US201562118719P 2015-02-20 2015-02-20
US15/046,819 US20160247138A1 (en) 2015-02-20 2016-02-18 Detachable electronic payment device

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JP6405386B2 (ja) 2018-10-17
KR101941624B1 (ko) 2019-01-24
HK1226180A1 (zh) 2017-09-22
AU2016203801A1 (en) 2016-09-08
AU2016203801B2 (en) 2017-05-25
WO2016134117A1 (en) 2016-08-25
SG11201605005YA (en) 2016-09-29
CN106104604A (zh) 2016-11-09
US11538017B2 (en) 2022-12-27
RU2684508C1 (ru) 2019-04-09
KR20180020310A (ko) 2018-02-27
JP2017516166A (ja) 2017-06-15
US20210019726A1 (en) 2021-01-21

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