Method and apparatus for contactless payment authentication
View Patent ↗The present disclosure relates generally to the authentication of contactless payments attempted by a device having embedded contactless payment functionality. In particular, the disclosure is directed to systems and methods that utilize authentication schemes that already exist on a device in which the contactless payment functionality is embedded. One example of such authentication schemes is the use of password protection to lock or unlock the device in which the contactless payment functionality is embedded. Using the password protection functionality may provide varying levels of authentication protection based on the desires of the user. A number of exemplary uses of such a method and apparatus are disclosed herein.
1. An electronic device comprising:
an authentication function enabling restriction of use of the electronic device; and
a contactless payment circuit, wherein the contactless payment circuit is subject to being disabled, the contactless payment circuit enabling provision of data for a contactless payment transaction based on an authorized use status of the electronic device, the authorized use status corresponding to whether use of the electronic device has been restricted via the authentication function.
2. The electronic device of claim 1 , wherein the electronic device comprises a contactless payment device.
3. The electronic device of claim 1 , wherein, when enabled, contactless payment circuit is adapted to provide the data for a contactless payment transaction to a contactless payment reader.
4. The electronic device of claim 1 , wherein the data comprises information that can be used by a transaction processing system to process the contactless payment transaction.
5. The electronic device of claim 4 , wherein the information that can be used by a transaction processing system to process the contactless payment transaction comprises one or more of a credit card number, an expiry date and a personal identification number.
6. The electronic device of claim 1 , wherein the electronic device comprises a wireless communication device.
7. The electronic device of claim 1 , wherein the authentication function is configured to receive user input.
8. The electronic device of claim 1 , wherein the authentication function is configured to receive a password.
9. The electronic device of claim 1 , wherein the authentication function is configured to receive a personal identification number.
10. The electronic device of claim 1 , further comprising a keyboard, wherein the authentication function is configured to receive an authentication token from the keyboard.
11. The electronic device of claim 1 , further comprising a microprocessor, wherein the authentication function is executed by the microprocessor.
12. The electronic device of claim 1 , wherein the authorized use status is determined at the electronic device.
13. The electronic device of claim 1 , wherein the contactless payment circuit enabling provision of data for the contactless payment transaction is further based on an attempted use of the contactless payment circuit for making a payment.
14. The electronic device of claim 1 , wherein the contactless payment circuit comprises a chip that stores the data for the contactless payment transaction.
15. The electronic device of claim 1 , wherein the contactless payment circuit comprises a radio-frequency antenna.
16. The electronic device of claim 15 , wherein the radio-frequency antenna is subject to being disabled.
17. The electronic device of claim 1 , wherein the electronic device comprises at least one of: a messaging device, a wireless Internet appliance, a cellular telephone, a personal digital assistant device, a wireless e-mail device, a key fob or a card.
18. A system comprising:
an electronic device including an authentication function enabling restriction of use of the electronic device, the electronic device further including a contactless payment circuit, wherein the contactless payment circuit is subject to being disabled, the contactless payment circuit enabling provision of data for a contactless payment transaction based on an authorized use status of the electronic device, the authorized use status corresponding to whether use of the electronic device has been restricted via the authentication function; and
a transaction processing system configured to receive the data and process the contactless payment transaction based on the data.
19. The system of claim 18 , wherein the electronic device comprises a mobile wireless communication device.
20. The system of claim 18 , wherein the electronic device comprises a contactless payment device.
21. The system of claim 18 , wherein the data comprises information that can be used by the transaction processing system to process the contactless payment transaction.
22. The system of claim 18 , wherein the authentication function is implemented based on user input.
23. The system of claim 18 , wherein the authentication function is implemented using a password.
24. The system of claim 18 , wherein the authentication function is implemented using a personal identification number.
25. The system of claim 18 , wherein the electronic device includes a keyboard and the authentication function is configured to receive an authentication token from the keyboard.
26. The system of claim 18 , wherein the authentication function is executed by a microprocessor of the electronic device.
27. The system of claim 18 , wherein the authorized use status is determined at the electronic device.
28. The system of claim 18 , the contactless payment circuit enabling provision of data for the contactless payment transaction further based on an attempted use of the contactless payment circuit for making a payment.
29. The system of claim 18 , further comprising a server operably coupled to the electronic device via a communication link, wherein the authentication function is implemented by the server.
30. The system of claim 18 , further comprising a contactless payment reader configured to receive the data from the contactless payment circuit.
31. The system of claim 18 , wherein the electronic device comprises at least one of: a data messaging device, a wireless Internet appliance, a cellular telephone, a personal digital assistant device, a wireless e-mail device, a key fob or a card.
32. A method comprising:
enabling restriction of use of an electronic device by way of an authentication function;
enabling a contactless payment circuit of the electronic device to provide data for a contactless payment transaction based on an authorized use status of the electronic device, the authorized use status corresponding to whether use of the electronic device has been restricted via the authentication function; and
disabling the contactless payment circuit.
33. The method of claim 32 , wherein the authorized use status is determined at the electronic device.
34. The method of claim 32 , the contactless payment circuit enabling provision of data for the contactless payment transaction further based on an attempted use of the contactless payment circuit for making a payment.
35. The method of claim 32 , wherein the authentication function is configured to receive an authentication token from a keyboard of the electronic device.
36. The method of claim 32 , wherein the data comprises information that can be used by a transaction processing system to process the contactless payment transaction.
37. The method of claim 32 , wherein the authentication function is implemented based on user input.
38. The method of claim 32 , wherein the authentication function is implemented using a password.
39. The method of claim 32 , wherein the authentication function is implemented using a personal identification number.
40. The method of claim 32 , further comprising performing the disabling upon determining a change in authorized use status of the electronic device to a restricted status.
41. The method of claim 32 , wherein the disabling comprises disabling an antenna.
42. The method of claim 41 , wherein the antenna is configured for communication with a payment terminal.
43. A method for an electronic device, the method comprising:
enabling a contactless payment circuit of the electronic device to provide data for a contactless payment transaction based on an authorized use status of the electronic device, the authorized use status corresponding to whether use of the electronic device has been restricted via the authentication function;
wherein the contactless payment circuit is enabled to provide data to a transaction processing system when the electronic device is authorized for use by the authentication function.
44. The method of claim 43 , wherein the contactless payment circuit is disabled when the electronic device is not authorized for use by the authentication function.
45. The method of claim 43 further comprising when the contactless payment circuit is disabled, detecting an attempted use of the contactless payment circuit for making a payment and displaying a prompt for receiving an authentication token to enable use of the electronic device by the authentication function.
46. The method of claim 45 further comprising, enabling the disabled contactless payment circuit when a correct authentication token is received.
47. A method for an electronic device, the method comprising:
enabling a contactless payment circuit of the electronic device to provide data for a contactless payment transaction based on an authorized use status of the electronic device, the authorized use status corresponding to whether use of the electronic device has been restricted via the authentication function;
wherein the contactless payment circuit is disabled when the electronic device is not authorized for use by the authentication function.
48. The method of claim 47 , wherein the authentication function is configured to receive an authentication token from a keyboard of the electronic device.
49. The method of claim 47 , wherein the authentication function is implemented based on user input.
50. A method for an electronic device, the method comprising:
enabling a contactless payment circuit of the electronic device to provide data for a contactless payment transaction to a contactless payment reader based on an authorized use status of the electronic device, the authorized use status corresponding to whether use of the electronic device has been restricted via the authentication function;
tracking a number of attempted uses of the contactless payment circuit; and
requiring entry of an authentication token to enable use of the contactless payment circuit based on the number of attempted uses exceeding another number of attempted uses of the contactless payment circuit.