| 摘要 |
A mobile device utilizes an embedded near field communication (NFC) capability to interact with a contactless transaction card to automatically obtain information from the card, e.g. reducing or eliminating the burden of manual user entry of the account information or the like into the mobile device. The mobile device, for a financial account transaction example, may read the information from the card at the time of a transaction, e.g. to facilitate an on-line purchase, an in-store purchase, ATM transaction or the like. The mobile device may store the information from one or more contactless transaction cards, for use in future transactions of various types. The mobile device and/or a server in communication with the mobile device may track various user activities on the mobile device that also utilize information obtained from the contactless transaction card. |
| 主权项 |
1. A mobile device, comprising:
a wireless transceiver configured to enable wireless data communication via a network; a near field communication transceiver; a processor coupled to the wireless transceiver and the near field communication transceiver; and programming stored in a memory accessible by the processor for execution by the processor, the programming comprising an application program including an embedded library, the embedded library configured to cause the mobile device to read information from a contactless transaction card via a Europay, MasterCard and Visa (EMV) communication protocol, wherein execution of the programming configures the processor to cause the mobile device to perform functions, including functions to:
detect, via the near field communication transceiver, proximity of the contactless transaction card;responsive to detecting the contactless transaction card, receive a data exchange message from the contactless transaction card;identify that the contactless transaction card is capable of secure communication, based on one or more characteristics of the received message including at least one of a protocol of the received message or an encoding of the received message;responsive to identifying that the contactless transaction card is capable of secure communication, perform the secure communication with the contactless transaction card using the EMV communication protocol stored in the embedded library via the near field communication transceiver, to automatically obtain the information from the contactless transaction card;compare the obtained information from the contactless transaction card with one or more predetermined rules to validate the contactless transaction card; andutilize the information obtained from the contactless transaction card to perform an action via the mobile device, when the contactless transaction card is validated, wherein the application program is configured to cause the mobile device to perform the action by communication of at least some of the obtained information from the contactless transaction card via one of the wireless transceiver over the network and the near field communication transceiver in communication with another device using the EMV communication protocol stored in the embedded library. |
