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 attachment, comprising:
a controller that controls the operations of the contactless attachment;
a near field communication antenna;
a secure element that securely stores an account number that is used to identify a financial account and is transmitted from the contactless attachment when processing a financial transaction relating to the financial account;
a power source;
a secure wireless communication module that establishes a secure wireless connection with a mobile device and enables encrypted communication between the contactless attachment and the mobile device;
a token generator that generates a respective token for each financial transaction, the token enabling additional security for the financial transaction; and
a button connected to a button interface, the button being used to initiate transmission of the respective token from the contactless attachment to the mobile device to authorize the financial transaction.
2. The contactless attachment of claim 1 , wherein the button is further used to initiate a signal to use the contactless attachment to locate the mobile device.
3. The contactless attachment of claim 1 , wherein the secure element comprises at least one computer processor and at least one secure storage module.
4. The contactless attachment of claim 1 , further comprising an indicator connected to an indicator interface to provide an indication of the status of the contactless attachment.
5. The contactless attachment of claim 4 , wherein the indicator is a light emitting diode.
6. The contactless attachment of claim 1 , further comprising a display connected to a display interface.
7. The contactless attachment of claim 1 , wherein the contactless attachment is a payment attachment.
8. The contactless attachment of claim 1 , wherein the financial account is a credit card account.
9. The contactless attachment of claim 8 , wherein the financial transaction is a credit card transaction.
10. The contactless attachment 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.
11. The contactless attachment of claim 1 , further comprising:
an audio interface and a speaker connected to the audio interface,
wherein secure wireless communication module receives a signal from the mobile device, the signal representing an attempt by the mobile device to locate the contactless attachment, and
wherein the audio interface activates the speaker in response to the receipt of the signal by the secure wireless communication module.
12. The contactless attachment of claim 1 , wherein secure wireless communication module receives a signal from the mobile device, the signal representing an attempt by the mobile device to locate the contactless attachment, and wherein the contactless attachment activates location services in response to the received signal.
13. A method for initializing an attachment, comprising the steps of:
receiving an encrypted secure element provisioning signal from a trusted service manager, the encrypted secure element provisioning signal including an account number that is used to identify an account and is transmitted from the attachment when processing a transaction relating to the account;
establishing a secure wireless communication channel with the attachment;
using one or more computer processors, sending at least one provisioning instruction, formed as encrypted data, through a secure wireless communication channel to the attachment;
decrypting the secure element provisioning instruction;
provisioning the attachment for use with the account by storing the received account number in a secure element;
binding the attachment to at least one device; and
when processing a transaction relating to the account, receiving a signal that a button on the attachment has been depressed, and in response to the signal,
using a token generator, generating a token, for the transaction being processed, the token enabling additional security for the financial transaction, and
transmitting the token from the attachment to a mobile device to authorize the transaction.
14. The method of claim 13 , wherein the at least one encrypted provisioning instruction comprises an account number that is used to identify a financial account and is transmitted from the attachment when processing a financial transaction relating to the financial account.
15. The method of claim 13 , wherein the provisioning comprises sending to the attachment information related to a plurality of accounts.
16. The method of claim 13 , further comprising restricting software functionality on the attachment if the attachment is disconnected from the device.
17. The method of claim 13 , wherein the attachment is a contactless attachment.
18. The method of claim 17 , wherein the contactless attachment is a payment attachment.
19. The method of claim 13 , wherein the account is a financial account and the transaction is a financial transaction.
20. The method of claim 19 , wherein the financial account is a credit card account.
21. The method of claim 19 , wherein the financial transaction is a credit card transaction.
22. The method of claim 13 , further comprising processing a transaction relating to the account.
23. The method of claim 13 , further comprising:
receiving, at a secure wireless communication module, a signal from at least one device, the signal representing an attempt by a mobile device to locate the attachment, and
activating location services in response to the received signal.
24. A method of conducting a transaction using a secure attachment, comprising:
establishing using a secure wireless communication module a connection between the secure attachment and a mobile device, wherein the connection is established using a secure, low-energy technology based on the proximity of the secure attachment and the mobile device, and wherein the secure attachment includes a controller that controls the operations of the secure attachment, a near field communication antenna, a secure element that securely stores an account number that is used to identify a financial account and is transmitted from the secure attachment when processing a financial transaction relating to the financial account, a power source, and the secure wireless communication module; and
receiving a signal that a button on the secure attachment has been depressed, and in response to the signal,
using a token generator of the secure attachment, generating a token, for the financial transaction being processed, the token enabling additional security for the financial transaction, and
transmitting the token from the secure attachment to a mobile device to authorize the financial transaction;
receiving a signal from the mobile device that the financial transaction is authorized; and
transmitting, using the near field communication antenna, the account number to a near field communications reader when the secure connection is established between the secure attachment and a mobile device and the signal is received that the financial transaction is authorized.