WO2013123577A1 - System and method of loading a transaction card and processing repayment on a mobile device - Google Patents
System and method of loading a transaction card and processing repayment on a mobile device Download PDFInfo
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- WO2013123577A1 WO2013123577A1 PCT/CA2013/000151 CA2013000151W WO2013123577A1 WO 2013123577 A1 WO2013123577 A1 WO 2013123577A1 CA 2013000151 W CA2013000151 W CA 2013000151W WO 2013123577 A1 WO2013123577 A1 WO 2013123577A1
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- Prior art keywords
- mobile device
- transaction
- account
- contactless
- card
- Prior art date
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- 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
- G06Q20/352—Contactless payments by cards
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
- G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
- G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
- G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
- G06K19/0723—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
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- 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
- G06Q20/22—Payment schemes or models
- G06Q20/227—Payment schemes or models characterised in that multiple accounts are available, e.g. to the payer
-
- 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]
-
- 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
- G06Q20/32—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
- G06Q20/3278—RFID or NFC 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
- 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
- G06Q20/3672—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 initialising or reloading thereof
-
- 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
- G06Q20/3674—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 involving authentication
-
- 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
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
Definitions
- the described embodiments relate to a system and method of loading a transaction card and processing repayment on a mobile device.
- Physical plastic transaction cards may contain embedded contactless communications technology within the card to enable transmission of transaction card information to a contactless reader at a point-of-sale terminal.
- Such technology may include specialized integrated circuits (ICs) and antennas that communicate, for example, using the Near Field Communications (NFC) standard.
- ICs integrated circuits
- NFC Near Field Communications
- the mobile device may be configured for conducting mobile payment transactions, such as peer-to- peer transactions.
- mobile payment transactions such as peer-to- peer transactions.
- Certain peer-to-peer payments such as "I Owe You"s (lOUs)
- lOUs can be difficult to enforce due to their informal nature.
- the party owing the lOU may not remember to repay the lOU even if that party has available funding.
- some embodiments of the invention provide a method of loading a transaction card account onto a mobile device, the mobile device comprising a memory and a contactless reader, the method comprising:
- some embodiments of the invention provide a system for loading a transaction card, the system comprising:
- a mobile device comprising a processor, a contactless reader operatively coupled to the processor, and a memory storing a plurality of instructions, which when executed by the processor causes the processor to:
- some embodiments of the invention provide a method of processing an amount owing from a first transaction account to a second transaction account, the method comprising
- a first mobile device comprising a first memory storing a first transaction card corresponding to the first transaction account
- a second mobile device comprising a second memory storing a second transaction card corresponding to the second transaction account
- the first mobile device receiving, at the first mobile device, a load amount to be loaded to the first transaction account, wherein, prior to adding the load amount to the first transaction account, the first mobile device is configured to use the load amount to repay the amount owing to the second transaction account.
- some embodiments of the invention provide a system for processing an amount owing from a first transaction account to a second transaction account, the system comprising
- a first mobile device comprising a first processor and a first memory storing a first transaction card corresponding to the first transaction account
- a second mobile device comprising a second processor and a second memory storing a second transaction card corresponding to the second transaction account, wherein the second processor is configured to:
- the first mobile device configured to:
- the first mobile device receives a load amount to be loaded to the first transaction account, and, prior to adding the load amount to the first transaction account, the first mobile device is configured to use the load amount to repay the amount owing to the second transaction account.
- Figure 1 is a block diagram of a system for loading a transaction card and processing repayment on a mobile device, in accordance with an embodiment of the present disclosure
- Figure 2 is a block diagram of a mobile device, in accordance with an embodiment of the present disclosure
- Figure 3 is a flowchart diagram illustrating the steps of loading a transaction card onto a mobile device, in accordance with an embodiment of the present disclosure
- Figure 4 is an illustration of an example screenshot of a mobile device when preparing to load a transaction card onto the mobile device, in accordance with an embodiment of the present disclosure
- Figure 5 is an illustration of an example screenshot of a mobile device after transaction card information has been read from a contactless transaction card, in accordance with an embodiment of the present disclosure
- Figure 6 is an illustration of an example security input screen on a mobile device that may be shown after the screenshot of Figure 5;
- Figure 7 is an illustration of an example transaction card selection screen after a transaction card has been loaded onto a mobile device
- Figure 8 is a flowchart diagram illustrating the steps of processing repayment for an amount owing, in accordance with an embodiment of the present disclosure
- Figure 9 is a diagram illustrating the creating and receiving of an acknowledgement that acknowledges an amount owing, in accordance with an embodiment of the present disclosure
- Figure 10 is an example screenshot on a mobile device after receiving a load amount, in accordance with an embodiment of the present disclosure
- Figure 1 1 is an example screenshot of a payment received notification, in accordance with an embodiment of the present disclosure
- Figure 12 is an example screenshot of an account balance screenshot after the amount owing is repaid, that may be shown after the screenshot in Figure 10, in accordance with an embodiment of the present disclosure
- Figure 13 is an example screenshot of a payment queue, in accordance with an embodiment of the present disclosure.
- Figure 14 is an example user interface for selecting options associated with the amount owing.
- the embodiments of the systems and methods described herein may be implemented in hardware or software, or a combination of both. However, preferably, these embodiments are implemented in computer programs executing on programmable computers each comprising at least one processor (e.g., a microprocessor), a data storage system (including volatile and non-volatile memory and/or storage elements), at least one input device, and at least one output device.
- the programmable computers (referred to below as computing devices) may be a personal computer, laptop, personal data assistant, cellular telephone, smart-phone device, tablet computer, and/or wireless device.
- Program code is applied to input data to perform the functions described herein and generate output information.
- the output information is applied to one or more output devices, in known fashion.
- Each program is preferably implemented in a high level procedural or object oriented programming and/or scripting language to communicate with a computer system.
- the programs can be implemented in assembly or machine language, if desired. In any case, the language may be a compiled or interpreted language.
- Each such computer program is preferably stored on a storage media or a device (e.g. ROM or magnetic diskette) readable by a general or special purpose programmable computer, for configuring and operating the computer when the storage media or device is read by the computer to perform the procedures described herein.
- the subject system may also be considered to be implemented as a computer-readable storage medium, configured with a computer program, where the storage medium so configured causes a computer to operate in a specific and predefined manner to perform the functions described herein.
- the system, processes and methods of the described embodiments are capable of being distributed in a computer program product comprising a computer readable medium that bears computer usable instructions for one or more processors.
- the medium may be provided in various forms, including one or more diskettes, compact disks, tapes, chips, wireline transmissions, satellite transmissions, internet transmission or downloadings, magnetic and electronic storage media, digital and analog signals, and the like.
- the computer useable instructions may also be in various forms, including compiled and non-compiled code.
- FIG. 1 shown there is a block diagram illustrating a system for loading a transaction account and processing repayment on a mobile device, referred to generally as 100.
- the system may include one or more mobile devices 140, and an e-wallet server 120, each including a network interface (not shown) for connecting to a network 104.
- the mobile device 140 may interact with one or more transaction cards 150 via contactless communication standards such as NFC.
- the mobile device 140 may be configured to communicate with issuer server 110 to download to the mobile device 140, a card security credential corresponding to the transaction cards 150.
- some embodiments described herein are generally directed to a system of loading a transaction card account corresponding to the transaction card 150 onto a mobile device 140.
- the mobile device 140 may be configured to operate a contactless reader embedded within a mobile device 140 to read transaction card information from an existing contactless transaction card 150 to be loaded.
- Such reading of transaction card information for the purpose of loading onto the mobile device 140 may reduce the likelihood of error over methods of manually entering the transaction card information onto the mobile device 140.
- employing the contactless reader to read the transaction card information may speed up the process of loading a transaction account onto a mobile device 140.
- Issuer server 1 10 may include a server from an organization that issues a transaction card.
- Transaction cards may, for example include payment cards (such as credit cards or debit cards), loyalty rewards card, gift cards, or identification cards.
- the issuer server 1 10 may be a server from the issuer of the credit card.
- the issuer server 1 10 may store various data items relating to the transaction account corresponding to the transaction card. Such data items may include a card security credential for the transaction account that may be transmitted to the mobile device 140 as a part of the loading of the transaction card onto the mobile device 140.
- Electronic wallet server 120 may store account information related to an electronic wallet (referred to herein as an "e-wallet”) application executable on a mobile device 140.
- e-wallet electronic wallet
- information may include a login username and/or password for an e-wallet account, and/or any transaction accounts
- Such data may be stored in the e-wallet database 122.
- the e-wallet application may be configured to perform various operations performed by the mobile device 140 described herein.
- a mobile device 140 may be any computing device that includes a
- contactless reader e.g., an NFC chip
- Such devices 1 10 may include cellular phones, smartphones (e.g., Apple® iPhone®, BlackBerry®, AndroidTM or other suitable network-connected computing devices such as a tablet computer (e.g., Apple® iPadTM) with contactless readers embedded therein.
- the mobile device 140 may include a secure element for storing the transaction card.
- the network 104 may be any network(s) capable of carrying data including the Internet, Ethernet, plain old telephone service (POTS) line, public switch telephone network (PSTN), integrated services digital network (ISDN), digital subscriber line (DSL), coaxial cable, fiber optics, satellite, mobile, wireless (e.g. Wi- Fi, WiMAX), SS7 signaling network, fixed line, local area network, wide area network, and others, including any combination of these.
- POTS plain old telephone service
- PSTN public switch telephone network
- ISDN integrated services digital network
- DSL digital subscriber line
- coaxial cable fiber optics
- satellite mobile
- wireless e.g. Wi- Fi, WiMAX
- SS7 signaling network fixed line, local area network, wide area network, and others, including any combination of these.
- the mobile device 140 may include a processor 210 that is operatively connected to a communication module 220, a display 230, a contactless transceiver 240 (which may include contactless reader functionality), and a memory 250.
- the communication module 220 may be operated by the processor 110 to enable communication between the mobile device 140 and the issuer server 1 10.
- the communication module 220 may include various communication components (e.g., dedicated or integrated controllers and/or antennas) that communicate using known wireless communications technologies.
- the communications module 220 may be configured to operate on one or more of the following standards: Global System for Mobile Communications (GSM), General Packet Radio Service (GPRS), High Speed Packet Access (HSPA), and Long Term Evolution (LTE).
- GSM Global System for Mobile Communications
- GPRS General Packet Radio Service
- HSPA High Speed Packet Access
- LTE Long Term Evolution
- the mobile device may include other components for enabling the apparatus to communicate via other communications standards such as WiFi or Bluetooth.
- the display 230 may be operable by the processor 210 to display a user interface for interacting with a user.
- a user interface for interacting with a user.
- Various example user interface screenshots are illustrated and discussed below.
- the contactless transceiver 240 may enable the mobile device 140 to both transmit and receive (e.g., read) data using contactless communications with a contactless element. That is, the transceiver 240 may operate as both a contactless transmitter and a reader. In some embodiments, the contactless transceiver 240 may be only a reader.
- the contactless receiver 240 may operate on the Near Field Communication (NFC) standard, or a NFC reader.
- the NFC standard employs radio frequency identification (RFID) technology that uses radio frequency electromagnetic fields to transfer data.
- RFID radio frequency identification
- NFC is a particular type of RFID technology that is configured to only allow contactless communications when the contactless reader is within close proximity to the contactless element (which may also be configured to employ the NFC standard).
- the use of NFC may enhance security by reducing the likelihood that data stored on the contactless element would be read by contactless readers that are further than the required distance away.
- the NFC standard enables bidirectional communication between at least two devices.
- the NFC standard may include the ISO/I EC 18092 standard and other telecommunication standards defined by the European Telecommunications Standards Institute (ETSI).
- ETSI European Telecommunications Standards Institute
- the contactless element may include an embedded integrated circuit that enables wireless contactless communication with the contactless reader 132 (e.g., a NFC chip that enables communications via the NFC standard). Through the wireless communication, the contactless element may provide the transaction card information associated with a transaction account to the contactless reader 132.
- Transaction card information may include any type of information that is made available via the contactless element of the contactless transaction card. This may include card identification numbers, card balances, and the like. For example, in the scenario where the transaction card is a contactless credit card, the transaction card information may include the name of the cardholder, an identifier associated with the transaction account (e.g., a credit card number), an expiry date of the transaction account, and/or a card verification value (CW).
- CW card verification value
- the memory 250 may store an e-wallet application that is executable by the processor 210 to configure the contactless transceiver 240 to read the transaction card information from a contactless transaction card 150.
- the memory 250 of the mobile device may include different components: a main memory space for the storage of applications, and a separate secure memory space that is only accessible by trusted applications.
- the separate secure memory space may be a secure element.
- a secure element is a protected processor and memory space of a mobile device 140 that is separate and independent of the main processor and memory space of the mobile device 140. That is, the secure element (secure memory and execution environment) may be an environment in which application code and application data can be securely stored and administered and in which secure execution of applications occur.
- the secure element may be embodied in highly secure cryptographic chips (e.g., a smart card chip).
- the secure element may provide delimited memory for each application and functions that encrypt, decrypt, and sign data packets being communicated to and from the secure element. This may increase the security of the secure element and reduce the possibility that the secure element may be tampered with.
- the e-wallet application may be executing on the secure execution environment of the secure element.
- the secure element may be provided in various ways on the mobile device 140.
- the secure element may be coupled with the NFC chip on an integrated integrated circuit, or it may be provided on a Subscriber Identity Module (SIM) card of the mobile device 140, or it may be provided on a removable memory (e.g., microSD) integrated circuit that may be entered into a slot for receiving such memory on the mobile device 1 0.
- SIM Subscriber Identity Module
- microSD removable memory
- FIG. 3 shown is a flowchart diagram illustrating the steps of a method of loading a transaction card onto a mobile device, shown generally as 300.
- a mobile device shown generally as 300.
- Figures 4, 5, 6 and 7 illustrate various example screenshots of a mobile device 140 for an example scenario in which an owner of Visa® credit card, "John Smith", adds his credit card to his mobile device 140.
- the mobile device 140 may read, via the contactless reader, transaction card information from a physical contactless transaction card
- the contactless reader may comprise a Near Field Communications (NFC) integrated circuit (IC).
- NFC Near Field Communications
- the contactless transceiver 240 of mobile device 140 may be operable to perform the operations of a contactless reader.
- a contactless transceiver 270 is not required and then a component that is only able to perform contactless reading functions (e.g., a contactless reader) may be sufficient.
- FIG. 400 shown there generally as 400 is an illustration of an example screenshot of a mobile device 140, when preparing to load a transaction card onto the mobile device, in accordance with an embodiment of the present disclosure.
- the transaction card 150 may include an identifier associated with the contactless transaction card 150 (e.g., as illustrated, a credit card number 150ba), a name 154a of the owner of the credit card, and an expiry date for the credit card 156a.
- the contactless transaction card 150 may house a contactless element 158 (which is shown in dotted outline because the contactless element may not be visually apparent from the exterior of the transaction card).
- the contactless transaction card 150 may also have a symbol 159 displayed on the surface of the card to indicate that it is enabled for contactless transactions.
- the e-wallet application may be configured to present a user interface 410 (entitled "John's E-Wallet" in the example scenario) on the display 230 of the mobile device 140.
- One feature of the e-wallet application may be to enable the loading of a transaction account onto the mobile device 140. Such feature may allow a user to load either manually (i.e., by typing in the transaction card information onto the mobile device through an input mechanism on the mobile device), or by reading the transaction card information from the contactless transaction card 150 via the contactless reader.
- the mobile device 140 may be configured present a user interface 420 on the display 230 of the mobile device 140 to request the user to bring the physical plastic contactless card 150 corresponding to the transaction account he/she wishes to load in close proximity to the mobile device 140.
- Such user interface 420 may include a cancel button 422 to allow a user to cancel the reading operation.
- the operating system of the mobile device 140 may be configured to directly load the transaction account onto the mobile device 140, without the need of an e-wallet application.
- the mobile device 140 may then activate the contactless reader to read the transaction card information from the contactless transaction card 150.
- FIG. 5 therein illustrated is an example screenshot of a mobile device 140 after the transaction card information shown in Figure 4 has been read from a contactless transaction card 150. Similar to what is shown in Figure 4, the e- wallet application executing on mobile device 140 may display a user interface 410 in the display 230 of the mobile device 140 that indicates that the transaction card information has been successfully received. For example, this may be a message 510 showing "Received Card Information!
- the mobile device 140 may then display the transaction card information that has been read via the contactless reader. Displaying the transaction card information may allow the user to view and confirm the transaction card information before storing the transaction card onto the mobile device.
- the mobile device 140 may display the various public details about the credit card on the display 230 of the mobile device 140. For example, the mobile device 140 may display the name of the cardholder 154b, the identifier associated with the transaction account (e.g., the credit card number 150bb), the expiry date for the transaction account 156b, and the card verification value (CW) 520.
- the mobile device 140 may also present a "Save Now" button 512 to allow a user to confirm that the transaction card information that has been read via the contactless reader is correct, and that the user desires to continue with the transaction card loading process.
- existing methods of manually entering transaction card information may be unsecure as it may be possible for a nefarious person to obtain such information (e.g., the name of the card holder, the credit card number, card expiry date and/or the CW) by stealing it.
- the mobile device 140 may be able to confirm the presence of the physical plastic card when loading the transaction card onto the mobile device.
- the subject embodiments may provide enhanced security over existing methods of manually entering the transaction card information onto the mobile device 140.
- Storing the transaction card onto the mobile device 140 may not include just simply storing the transaction card information read from the contactless transaction card 150.
- the storing may also include storing a card security credential for the transaction card account.
- the card security credential may be a shared secret (e.g., an encrypted Personal Identification Number (PIN)) that needs to be verified before the mobile device 140 can select the stored transaction account for use in a subsequent purchase transaction).
- PIN Personal Identification Number
- the card security credential may be retrieved from the issuer server 1 10.
- the mobile device 140 may send a retrieval message, to an issuer server 1 10, to retrieve a card security credential for the transaction card account, the retrieval message comprising the transaction card information for identifying the transaction card account at the issuer server 110.
- the issuer server 1 10 may be a remote server of the issuing organization that issued the transaction card 150.
- the e-wallet application may be configured to communicate with the e-wallet server 120 to obtain addressing information (e.g., Internet Protocol (IP) addresses, port numbers, domain names, etc.) for the issuer server 1 10.
- IP Internet Protocol
- the e-wallet server 120 may store addressing information of issuer servers 1 10 associated with various types of well-known transaction cards (e.g., major credit card companies, debit processing networks, etc.).
- the mobile device 140 may receive, from the issuer server 1 10, a card security credential for the transaction card account.
- the mobile device 140 may be configured to use the security credential as an added security feature.
- the mobile device 140 may be configured to display a user interface on the mobile device 140 to receive a security input for verification against the card security credential.
- the security input may be an inputted Personal Identification Number (PIN) and the card security credential may comprise an encrypted PIN.
- PIN Personal Identification Number
- Such embodiments may enhance security by allowing the authentication of the owner of the transaction account before allowing the storage of the transaction card onto the mobile device 140.
- FIG. 6 shown there is an illustration of an example security input screen of a user interface 410 of the e-wallet application, as configured to be shown on display 230 of the mobile device 140.
- the e- wallet application may, after requesting an encrypted PIN security credential for the "ABC Visa®" card from the issuer server 1 10, request the entry of a PIN security input for verification against the encrypted PIN that has been received.
- the security input screen may display a message 610 ("Enter PIN to Complete Loading") informing the user that a PIN needs to be entered and verified to complete the loading process, a keypad 614 for entering the PIN, and a text box 612 to provide feedback when a digit of the keypad 614 is selected.
- a message 610 ("Enter PIN to Complete Loading"
- keypad 614 for entering the PIN
- text box 612 to provide feedback when a digit of the keypad 614 is selected.
- the mobile device 140 may verify the security input against the received card security credential. For example, in the example scenario, this may involve determining whether the inputted PIN matches the encrypted PIN received from the issuer server 1 10. In embodiments where the security input does not match the card security credential, the mobile device 140 may display a message rejecting the security input.
- the mobile device 140 may store, on the memory of the mobile device 140, the transaction card information, and the card security credential as a transaction card corresponding to the transaction account.
- the displaying of a user interface to receive a security input and the verifying of the security input against the card security credential may be performed prior to the storing, with the storing only occurring if the security input is verified.
- the stored transaction card may be treated as another physical transaction card on the same transaction card account by the issuer of the transaction card.
- the issuer server 1 10 may also assign an additional sequence number to the transaction account for the transaction card that is being stored on mobile device 140.
- the stored transaction card is not a physical plastic card, it may be considered to be a virtual transaction card that is operable to provide the features of a plastic contactless transaction card.
- the mobile device 140 After loading a transaction card account onto the mobile device 140, the mobile device 140 can be configured to be used in various scenarios when the physical plastic contactless card would otherwise be used. For example, the mobile device 140 can be used for conducting mobile payment transactions.
- FIG. 7 shown there is an illustration of an example transaction card selection screen for a user interface 410 of an e-wallet application, after a transaction card has been loaded, as configured to be shown on display 230 of the mobile device 140.
- the e-wallet application may present a selection user interface 710 for selecting one of several transaction cards stored on the mobile device 140, for example, when the mobile device 140 is functioning as a contactless transaction card during a financial transaction.
- the user interface may display a number of existing stored transaction cards (e.g., "Debit MasterCard® -5678" 712, “Coffee Shop Rewards Card -234" 714, “Supermarket Loyalty Card -76X” 716), as well as the newly added "ABC Bank Visa® -1213" card 718.
- the example user interface shows the name of a name for the transaction card as well a number of trailing digits of a corresponding card number for the transaction card.
- identification is shown for illustration purposes only, and that other methods of presenting a transaction card selection screen may be possible.
- the mobile device 140 may be configured to transmit the transaction card information of the stored transaction card via the contactless transceiver 240 during a payment transaction.
- the mobile payment transactions may include transactions between the mobile device 140 and a point-of-sale (POS) terminal, and/or transactions between parties (peer-to-peer transactions).
- the peer-to-peer transactions may take place between two mobile devices 140a and 140b (as shown in Figure 1 ), for example.
- lOUs Certain peer-to-peer transactions, such as "I Owe You"s (lOUs), can be difficult to enforce due to their informal nature. lOUs are generally informal acknowledgements of a debt. Generally, no specific repayment terms are provided in an IOU other than an identity of a debtor and an amount owing. As well, it may also be difficult to ensure the earliest possible repayment of the IOU because a party owing the IOU may not remember to repay the IOU even if that party has available funding and/or which IOU, if there are multiple lOUs outstanding, to repay first.
- the repayment of lOUs can, thus, be automated so that repayment occurs immediately when repayment funds are available.
- An IOU may be created on a first mobile device 140a associated with a first transaction account from which the amount owing is paid (an owing transaction account) and the IOU may then be sent to a second mobile device 140b associated with a second transaction account which is to receive the amount owing (a receiving transaction account).
- An association may then be established between the owing transaction account and the receiving transaction account such that whenever the owing transaction account receives any load amount (e.g., an amount intended by the user to be loaded onto the owing transaction account), that load amount is first used for repaying the amount owing under the IOU.
- the various embodiments described below generally relate to a method of processing the amount owing from the owing transaction account to the receiving transaction account, including using the load amount to repay the amount owing.
- FIG. 8 shown therein is a flowchart diagram 800 illustrating the steps of processing repayment of an amount owing.
- the first mobile device 140a with a first memory 250 storing the first transaction card 150a that corresponds to the first transaction account is provided.
- the second mobile device 140b with a second memory 250 storing the second transaction card 150b corresponding to the second transaction account is provided.
- each transaction account corresponding to the transaction cards 150a and 150b may be loaded onto the mobile devices 140a and 140b.
- a transaction account can be loaded onto the memory 250 of each of the mobile devices 140a and 140b using the method described above or alternatively, through manual entry of the transaction card information.
- each memory 250 may store multiple transaction accounts. As described above, the memory 250 may be housed in a secure element.
- FIG. 9 therein illustrated a diagram 900 of a communication between two mobile devices 140a and 140b.
- the first mobile device 140a may include the display 230 and may be configured to operate an e-wallet application.
- the e-wallet application may include an e-wallet user interface (Ul) 410.
- the second mobile device 140b also includes a display 230' and may also be configured to operate the e-wallet application.
- the e-wallet application stored on the memory 250 of the second mobile device 140b may also include an e-wallet Ul 410'. It will be understood that the e- wallet applications on each of the first and second mobile devices 140 and 140b may be the same or different types of e-wallet applications as long as each e-wallet application is compatible for communication with each other.
- the e-wallet Ul 410 may provide a Ul for creating an lOU 910 (an 'lOU creation Ul'). It will be understood that the lOU creation Ul 910 may be a separate software application from the e-wallet application. It will be further understood that the configuration of the illustrated lOU creation Ul 910 is merely an example and that alternative configurations may similarly be used.
- the lOU creation Ul 910 may include a field 912 for identifying each lOU (an 'lOU identifier (ID)') and various data fields for receiving information associated with the lOU. For example, this may include a field 712 for selecting an owing transaction account (an Owing transaction account field'), a field 914 for identifying a party to receive the acknowledgement (a 'lender field'), a field 916 for identifying an amount owing (an 'amount owing field'), and a field 918 for describing a context of the lOU (an 'lOU description field').
- ID 'lOU identifier
- the lOU creation Ul 910 may include a selection button 920 for confirming and submitting the lOU to be sent (an 'lOU submission button').
- the lOU submission button 920 may also indicate a status of the delivery of the lOU.
- the e-wallet Ul 410 indicates that the e-wallet is associated with "John".
- the lOU ID 912 of the lOU being created is "lOU ID#130”
- the owing transaction account field 712 indicates that the user "John” has selected to repay the amount owing 916 using the Debit MasterCard® ending with the number "5678”
- the lender field 914 indicates that "Sam” is to receive the amount owing 916
- the amount owing field 916 indicates that the amount owing is "$10”
- the lOU description field 918 indicates that the amount owing 916 is for "John's share of dinner on Tues, Feb 14".
- each of the mobile devices 1 0a and 140b may include various communications modules 220 (as shown in Figure 2).
- the IOU, or acknowledgement of an amount owing may be transmitted from the mobile device 140a using its contactless transceiver 240.
- the IOU, or acknowledgement of an amount owing may be received at the second mobile device 140b using its contactless transceiver 240.
- the contactless transceiver 240 in each of the first and second mobile devices 140a and 140b may be a NFC transceiver.
- the mobile devices 140a and 140b may transmit and receive, respectively, the repayment acknowledgment through any of the above described communication standards.
- the second mobile device 140b may receive, from the first mobile device 140a, the acknowledgement 930 acknowledging the amount owing.
- the e-wallet Ul 410' on the second mobile device 140b indicates that the e-wallet application stored on the second mobile device 140b belongs to "Sam".
- the e-wallet Ul 410' may provide a display 950 for indicating to a user that an IOU has been received (a received IOU display).
- the received IOU display 950 may be a separate software application from the e-wallet Ul 410'.
- the configuration of the illustrated received IOU display 950 is merely an example and that alternative configurations may similarly be used.
- the received IOU display 950 may include several data fields describing the received IOU. These data fields may correspond to those provided in the IOU creation Ul 910, such as the IOU ID 912', the amount owing field 916', and the IOU description field 918'. Additionally, the received IOU display 950 may further include a field 952 identifying a party who sent the IOU (a 'borrower field').
- the IOU ID 912' of the received IOU is "ID#130”
- the amount owing field 916' indicates that the amount owing is "$10”
- the IOU description field 918' indicates that the amount owing 916' is for John's "share of dinner on Tues, Feb 14".
- the data fields associated with the IOU created on John's e-wallet Ul 410 corresponds with the IOU received by the second mobile device 140b, as shown on Sam's e-wallet Ul 410'.
- the second mobile device 140b may be prompted to provide the mobile device 140a with an account identifier corresponding to the receiving transaction account.
- the account identifier helps to establish an association between the receiving transaction account and the owing transaction account 712 so that the repayment of the IOU from the owing transaction account 712 may be automated.
- the second mobile device 140b may transmit to the first mobile device 140a, the account identifier corresponding to the second transaction account.
- the account identifier may be associated with an identifier corresponding to an electronic wallet account.
- the account identifier transmitted by the second mobile device 140b to the first mobile device 140a may correspond to an identifier associated with Sam's electronic wallet account.
- the e-wallet identifiers may be stored on the e-wallet database 122 on the e-wallet server 120.
- the IOU creation Ul 910 may include a status field 940 for indicating a status of receiving the account identifier (a 'status receiving field'), and the received IOU display 950 may further include a Ul 960 for selecting an account for receiving the amount owing 916 (an 'account selecting Ul').
- the status receiving field 940 indicates that the first mobile device 140a is currently awaiting receipt of the account identifier from the second mobile device 140b.
- the account selecting Ul 960 includes two transaction accounts 962 and 964 that may be selected for receiving the amount owing 916. It will be understood that fewer or more transaction accounts may be provided in the account selecting Ul 960.
- the transaction account 962 associated with the "Debit Visa®” card ending in "2122" is selected.
- the receiving transaction account may be a default transaction account for receiving the amount owing 916. Therefore, the account selecting Ul 960 may not be provided.
- each of the mobile devices 140a and 140b may include various communications modules.
- the account identifier may be transmitted 930 from the second mobile device 140b using its contactless transceiver. In some embodiments, the account identifier may be received at the first mobile device 1 0a using its contactless transceiver.
- the mobile devices 140a and 140b may transmit and receive, respectively, the account identifier through any of the above described communication standards.
- any amount that is intended to be loaded onto the owing transaction account 712 would first be used for repaying the amount owing 916 to the receiving transaction account 962 corresponding to the received account identifier.
- the first mobile device 140a may receive a load amount to be loaded to the first transaction account 712, wherein, prior to adding the load amount to the first transaction account 712, the first mobile device 140a is configured to use the load amount to repay the amount owing 916 to the second transaction account 962.
- the account balance 1010 after receiving the load amount may include the owing transaction account field 712, a field 1012 for indicating an account balance prior to receiving the load amount (a 'previous balance field') and a field 1014 for indicating an amount that was received for loading (a 'received load amount field').
- the owing transaction account field 712 is the "Debit MasterCard®” ending in "5678".
- the received load amount field 1014 indicates that the owing transaction account 712 received the load amount of "$10”
- the previous balance field 1012 indicates that the owing transaction account 712 had a balance of "$0" prior to receiving the load amount 1014.
- the first mobile device 140a After the owing transaction account 712 receives the load amount 1014 of $10, the first mobile device 140a is configured to first process any lOUs associated with the owing transaction account 712. As shown in Figure 10, a status field 1020 may be provided to show that the lOUs associated with the owing transaction account 712 is being processed (an IOU status field). In this example embodiment, the first mobile device 140a determines that the IOU ID#130 associated with the owing transaction account 712 is to be repaid with the received load amount 1014.
- the first mobile device 140a transmits a repayment message to the e-wallet server 120.
- the e-wallet server 120 may include an e-wallet database 122 for storing account identifiers and identifiers associated with transaction accounts corresponding to the account identifiers.
- the e-wallet database 122 may be further configured to store data identifying which of the transaction accounts is to receive the amount owing 916.
- the repayment message may include the received account identifier and the load amount 1014 for repaying the amount owing 916 to the receiving transaction account 962.
- the e-wallet server 120 may be configured to identify the receiving transaction account 962 that corresponds to the received account identifier. After having identified the receiving transaction account, the e-wallet server 120 may add the load amount 1014 to the identified receiving transaction account 962 by, for example, communicating with an issuer server 1 10 for the receiving transaction account 962.
- the load amount 1014 is greater than the amount owing 916, the portion of the load amount 1014 that remains after paying the amount owing 916 is added to the first transaction account 712. In some alternate embodiments, if the load amount 1014 is less than the amount owing 916, the amount owing 916 is reduced by the load amount 1014.
- multiple amounts owing 916 under multiple lOUs may be associated with an owing transaction account 712 and the multiple amounts owing 916 may form a payment queue.
- the payment queue may be stored on a memory of the mobile device associated with the owing transaction account 712, as will be described below.
- FIG. 1 1 therein illustrated an example payment received notification 1 1 10.
- the second mobile device 140b that is associated with the receiving transaction account 962 may receive a payment received notification 1 1 10 for indicating that IOU "ID#130" has been repaid.
- the account balance 1010 associated with the owing transaction account 712 may be updated and again provided to the first mobile device 140a.
- FIG. 12 therein illustrated the example account balance 1010' of the owing transaction account 712 after the amount owing 916 is repaid.
- the IOU "ID#130" has been repaid using the owing transaction account 712.
- a field 1212 showing a current balance of the owing transaction account 712 indicates that there is "$0" remaining since the received load amount 1014 (shown in Figure 10) has been repaid to the receiving transaction account 962.
- the owing transaction account 712 may be associated with multiple amounts owing 916 under multiple lOUs.
- the multiple amounts owing 916 may form a payment queue 1310.
- the example payment queue 1310 includes three different amounts owing 1320, 1322 and 1324 that are each associated with a different IOU ID 912 and a different lender 914. It will be understood one or more of the lender fields 914 in the payment queue 1310 may include the same lender.
- the payment queue can be considered a queue because load amounts may go towards paying off lOUs in the order in which the lenders are presented in the queue. For example, the amount of "$10" illustrated in Figure 10 was directed towards paying off “Sam” before paying off “Tom” or “Victor” because the "IOU ID" for "Sam” was in the first position in the queue.
- an Ul 1350 for editing the payment queue may be provided.
- a selection button 1352 may be provided for adding an IOU to the payment queue 1310 (an 'add IOU button') and another selection button 1354 may be provided for modifying an existing IOU (a 'modify IOU button').
- the mobile device 140 may receive a signal indicating that a new IOU is to be created and the mobile device 140 may be configured to provide the IOU creation Ul 910, as described above, so that the new IOU can be created.
- the mobile device 140 may receive a signal indicating that one or more of the existing lOUs 1320, 1322 and 1324 is to be modified, and the mobile device 140 may be configured for providing any such modifications.
- Example modifications include the order in which the existing lOUs 1320, 1322 and 1324 are repaid (i.e., the positions that each IOU may be placed in the payment queue). In another example, any of the amounts owing field 916 and the lender field 914 may be modified.
- the second mobile device 140b may provide the account selecting Ul 960 for receiving data indicating which receiving transaction account 962 is selected for receiving the amount owing 916.
- the second mobile device 140b may be further configured to provide an Ul 1410 for selecting multiple options associated with an IOU.
- buttons 1412, 1414 and 1416 are provided. It will be understood that fewer or more selection buttons may be provided. It will be further understood that other Ul configurations may be used.
- a first selection button 1412 may provide for modifying of a repayment account (a modify repayment account button), a second selection button 1414 may provide for an IOU to be forgiven (an IOU forgiving button), and a third selection button 1416 may provide for sending of a reminder of the IOU to the owing party (a reminder button).
- the second mobile device 140b may receive a signal indicating that the selected receiving transaction account 962 is to be edited and/or changed.
- the second mobile device 140b may be configured to provide the account selecting Ul 960 again, or a variation of the account selecting Ul 960 may be provided to allow the changing of the receiving transaction account for the indicated IOU.
- the second mobile device 140b receives a data signal indicating that IOU #130 is to be cancelled.
- the second mobile device 140b may be configured to delete IOU #130. This may also involve the second mobile device 140b communicating with the e-wallet server 120 to indicate to the IOU has been forgiven.
- the e-wallet server 120 may, in turn, relay this message to the first mobile device 140a so that the e-wallet application stored on the first mobile device 140a may update the various statuses of the lOUs stored in its payment queue. Additionally or alternatively, such communication indicating the IOU has been forgiven may sent directly from the second mobile device 140b to the first mobile device 40a.
- the second mobile device 140b receives a data signal indicating that a reminder message is to be sent to the first mobile device 140a to remind the first mobile device 140a of IOU #130.
Abstract
Description
Claims
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CA2837491A CA2837491C (en) | 2012-02-23 | 2013-02-22 | System and method of loading a transaction card and processing repayment on a mobile device |
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2013
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- 2013-02-22 CA CA2837491A patent/CA2837491C/en not_active Expired - Fee Related
- 2013-02-22 EP EP13751862.7A patent/EP2817772A4/en not_active Withdrawn
- 2013-02-22 CA CA2965398A patent/CA2965398C/en not_active Expired - Fee Related
- 2013-02-22 AU AU2013224641A patent/AU2013224641A1/en not_active Abandoned
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2014
- 2014-05-22 US US14/284,826 patent/US9349125B2/en active Active
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2016
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2019
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US8763896B2 (en) | 2012-02-23 | 2014-07-01 | XRomb Inc. | System and method of loading a transaction card and processing repayment on a mobile device |
US10269007B2 (en) | 2012-02-23 | 2019-04-23 | XRomb Inc. | System and method of loading a transaction card and processing repayment on a mobile device |
US10776776B2 (en) | 2012-02-23 | 2020-09-15 | XRomb Inc. | System and method of loading a transaction card and processing repayment on a mobile device |
Also Published As
Publication number | Publication date |
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CA2965398A1 (en) | 2013-08-29 |
US20130221092A1 (en) | 2013-08-29 |
US8763896B2 (en) | 2014-07-01 |
CA2965398C (en) | 2020-07-28 |
CA2837491C (en) | 2017-07-18 |
EP2817772A1 (en) | 2014-12-31 |
US20160239828A1 (en) | 2016-08-18 |
EP2817772A4 (en) | 2015-10-07 |
US10776776B2 (en) | 2020-09-15 |
US9349125B2 (en) | 2016-05-24 |
US20200058017A1 (en) | 2020-02-20 |
CA2837491A1 (en) | 2013-08-29 |
AU2013224641A1 (en) | 2014-09-18 |
US20140252087A1 (en) | 2014-09-11 |
US10269007B2 (en) | 2019-04-23 |
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