Transaction provisioning for mobile wireless communications devices and related methods
View Patent ↗A mobile communications device may include a memory, a transceiver, and a controller coupled with the memory and the transceiver. The controller may be capable of receiving first authentication data from a security token via communication with the security token, where the first authentication data is associated with an account. The controller may also be capable of transmitting the first authentication data via the transceiver, and receiving second authentication data via the transceiver, where the second authentication data is also associated with the account. The controller may be further capable of storing the second authentication data in the memory, and transmitting a transaction request using the second authentication data.
1. A mobile communications device comprising:
a secure element memory;
a near field communication (NFC) device;
a wireless transceiver; and
a controller coupled with the secure element memory, the NFC device, and the wireless transceiver, the controller being configured to
receive payment account authentication data from a payment card via NFC communication with the payment card using the NFC device, the payment account authentication data being associated with a payment account, and the payment card being configured to communicate with at least one point of sale (POS) terminal via NFC communication to perform a payment transaction based upon the payment account,
transmit the payment account authentication data via the wireless transceiver,
receive provisioning data via the wireless transceiver responsive to the payment account authentication data transmitted via the wireless transceiver to provision the secure element memory for performing an NFC payment transaction with the at least one POS terminal using the same payment account associated with the payment card, and
perform the NFC payment transaction with the at least one POS terminal using the provisioned secure element and the NFC device and without using the payment card.
2. The mobile communications device of claim 1 wherein the NFC payment transaction comprises an EMV (Europay, Mastercard and Visa) transaction.
3. The mobile communications device of claim 1 wherein the payment account authentication data comprises a first primary account number (PAN); wherein the provisioning data comprises a second PAN different than the first PAN; and wherein the first PAN and the second PAN are both associated with the payment account.
4. The mobile communications device of claim 1 wherein the provisioning data comprises a cryptographic key.
5. The mobile communications device of claim 1 wherein the payment card has a cryptographic key associated therewith; and wherein the payment account authentication data is generated based upon the cryptographic key.
6. The mobile communications device of claim 1 further comprising an input device coupled with the controller; and wherein the controller is further configured to receive verification data via the input device.
7. The mobile communications device of claim 6 wherein the verification data comprises a personal identification number (PIN).
8. The mobile communications device of claim 6 wherein the verification data comprises biometric data.
9. The mobile communications device of claim 1 wherein the payment card comprises an Integrated Circuit Card (ICC).
10. The mobile communications device of claim 1 wherein the payment card comprises a credit card.
11. The mobile communications device of claim 1 wherein the payment card comprises a debit card.
12. A communications method for a mobile communications device comprising a secure element memory, a near field communication (NFC) device, and a wireless transceiver, the method comprising:
receiving payment account authentication data from a payment card via NFC communication with the payment card using the NFC device, the payment account authentication data being associated with a payment account, and the payment card being configured to communicate with at least one point of sale (POS) terminal via NFC communication to perform a payment transaction based upon the payment account;
transmitting the payment account authentication data via the wireless transceiver;
receiving provisioning data via the wireless transceiver responsive to the payment account authentication data transmitted via the wireless transceiver to provision the secure element memory for performing an NFC payment transaction with the at least one POS terminal using the same payment account associated with the payment card, and;
performing the NFC payment transaction with the at least one POS terminal using the provisioned secure element and the NEC device and without using the payment card.
13. The method of claim 12 wherein the NFC payment transaction comprises an EMV (Europay, Mastercard and Visa) transaction.
14. A non-transitory computer-readable medium for a mobile communications device comprising a secure element memory, a near field communication (NFC) device, and a wireless transceiver, the non-transitory computer-readable medium having computer-executable instructions for causing the mobile communications device to perform steps comprising:
receiving payment account authentication data from a payment card via NFC communication with the payment card using the NFC device, the payment account authentication data being associated with a payment account, and the payment card being configured to communicate with at least one point of sale (POS) terminal via NFC communication to perform a payment transaction based upon the payment account;
transmitting the payment account authentication data via the wireless transceiver;
receiving provisioning data via the wireless transceiver responsive to the payment account authentication data transmitted via the wireless transceiver to provision the secure element memory for performing an NFC payment transaction with the at least one POS terminal using the same payment account associated with the payment card, and;
performing the NEC payment transaction with the at least one POS terminal using the provisioned secure element and the NFC device and without using the payment card.
15. The non-transitory computer-readable medium of claim 14 wherein the NFC payment transaction comprises an EMV (Europay, Mastercard and Visa) transaction.