Enhanced near field communications attachment
A secure fob that enables a user to pay for an item or items without needing to present a mobile device. A secure fob may include a proximity capability to ensure that a mobile device is within a particular range, thereby eliminating the risk of fraudulent charges on a stolen fob. In such an embodiment, a fob may be disabled if the fob is not paired with the mobile device by virtue of being disconnected and/or physically separated from the mobile device. The secure fob also may include enhanced features to authorize transactions and locate the mobile device and/or the secure fob.
1. A contactless device, comprising:
a controller that controls operations of the contactless device;
a secure element that securely stores an account number that is used to identify an account and is transmitted from the contactless device when processing a secured transaction initiated by a user of a mobile device;
a secure wireless communication module that establishes a secure wireless connection with the mobile device and enables secure communication between the contactless device and the mobile device;
a token generator that generates a respective token for each secured transaction, the token enabling additional security for the secured transaction; and
a button connected to a button interface, the button being configured, upon depression, to initiate transmission of a signal to use the contactless device to locate the mobile device, wherein the button is further configured to initiate transmission of the respective token from the contactless device to the mobile device to authorize the secured transaction, the authorization of the secured transaction being based on whether the token complies with a plurality of parameters and whether the token is associated with the mobile device, the plurality of parameters comprising transaction limits, use limits, and time limits.
2. The contactless device of claim 1 , wherein the secure element comprises at least one computer processor and at least one secure storage module.
3. The contactless device of claim 1 , further comprising a power source.
4. The contactless device of claim 1 , further comprising one or more indicators connected to an indicator interface, the one or more indicators comprising one or more light emitting diodes to provide status indications of the contactless device.
5. The contactless device of claim 1 , further comprising a display connected to a display interface.
6. The contactless device of claim 1 , wherein the secure element securely stores the account number upon account provisioning, and wherein the secure wireless communication module receives an account provisioning signal that includes the account number.
7. The contactless device of claim 1 , further comprising:
an audio interface and a speaker connected to the audio interface,
wherein the secure wireless communication module receives a signal from the mobile device, the signal representing an attempt by the mobile device to locate the contactless device, and wherein the audio interface activates the speaker in response to the receipt of the signal by the secure wireless communication module.
8. The contactless device of claim 1 , wherein the secure wireless communication module receives a signal from the mobile device, the signal representing an attempt by the mobile device to locate the contactless device, and wherein the contactless device activates location services in response to the received signal.
9. The contactless device of claim 1 , further comprising restricting software functionality on the contactless device if the contactless device is disconnected from the mobile device.
10. A method for initializing a contactless device, comprising:
storing, by a secure element, an account number that is used to identify an account and is transmitted from the contactless device when processing a secured transaction initiated by a user of a mobile device;
establishing, by a secure wireless communication module, a secure wireless communication channel with the mobile device and enabling secure communication between the contactless device and the mobile device;
generating a respective token, by a token generator, for each secured transaction being processed, the token enabling additional security for the secured transaction, and
transmitting, responsive to selection of a button connected to a button interface, a signal to use the contactless device to locate the mobile device, wherein the button is further configured to initiate transmission of the respective token from the contactless device to the mobile device to authorize the secured transaction, the authorization of the secured transaction being based on whether the token complies with a plurality of parameters and whether the token is associated with the mobile device, the plurality of parameters comprising transaction limits, use limits, and time limits.
11. The method of claim 10 , wherein the secure element comprises at least one computer processor and at least one secure storage module.
12. The method of claim 10 , further comprising restricting software functionality on the contactless device if the contactless device is disconnected from the mobile device.
13. The method of claim 10 , further comprising processing the secured transaction relating to the account.
14. The method of claim 10 , further comprising:
receiving, at the secure wireless communication module, a signal from the mobile device, the signal representing an attempt by the mobile device to locate the contactless device, and
activating location services in response to the received signal.