System and method for providing contactless payment with a near field communications attachment

摘要

A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.

主权项

1. A contactless payment attachment, comprising:
a housing that protects components of the contactless payment attachment; an International Organization for Standardization/International Electrotechnical Commission 14443 (ISO/IEC 14443) compliant secure element within the housing that securely stores an account number upon account provisioning which is used to identify a financial account and is transmitted from the contactless payment attachment when the contactless payment attachment is used during a mobile payment transaction involving the financial account; a radio frequency interface connected to the ISO/IEC 14443 compliant secure element within the housing, wherein the radio frequency interface includes a near field communication antenna that establishes a communication link between the contactless payment attachment and a point of sale device and transmits the account number to the point of sale device via a radio frequency carrier frequency when conducting the mobile payment transaction involving the financial account; an input/output interface within the housing that enables an audio channel communication link between the contactless payment attachment and a mobile device, wherein the input/output interface includes an audio encoder/decoder that encodes data to be transmitted to the mobile device via the audio channel communication link as attachment audio data and decodes audio data transmitted from the mobile device via the audio channel communication link, and wherein the input/output interface receives an account provisioning signal that includes the account number; an approximately 3.5 millimeter 4 pole standard audio plug that is operably connected to the input/output interface, protrudes from the housing, connects the contactless payment attachment to an audio jack of the mobile device to enable establishment of the audio channel communication link, and is capable of providing power to the contactless payment attachment from the mobile device when the approximately 3.5 millimeter 4 pole standard audio plug is connected to the audio jack on the mobile device; a host controller interface within the housing that controls certain operations of the contactless payment attachment, including transmission of encoded data to the mobile device via the audio channel communication link and transmission of the account number to the point of sale device via the radio frequency carrier frequency; a power source that supplies power to the ISO/IEC 14443 compliant secure element, radio frequency interface, input/output interface, and host controller interface in a manner that enables the contactless payment attachment to be self-powered; and a keychain that includes an audio plug receptacle that is capable of receiving the approximately 3.5 millimeter 4 pole standard audio plug in a manner that couples the housing to the keychain and a keychain portion that enables attachment of the keychain to another object.