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 attachment, comprising:
a secure element that securely stores an account number that is used to identify an account and is transmitted from the contactless attachment when processing a transaction initiated by an account holder using a mobile device; a near field communication antenna connected to the secure element that transmits the account number to a transaction processing device when processing the transaction; an input/output module that encodes information related to the transaction as transaction audio data and decodes transaction audio data, the audio input/output module receiving an account provisioning signal that includes the account number; a plug that connects the contactless attachment to an audio jack on the mobile device, and facilitates transfer of power to the contactless attachment from the mobile device when the plug is connected to the audio jack on the mobile device; an audio jack that receives an audio plug; an audio transmission channel between the plug and the audio jack; and a host controller interface operatively connected to the secure element, near field communication antenna, and input/output module, wherein the host controller interface controls certain operations of the contactless attachment, including enabling audio data other than the transaction audio data to pass through the contactless attachment via the audio transmission channel.