Security token for mobile near field communication transactions

摘要

Devices, systems, and methods are disclosed which relate to an NFC-enabled security token that is removably coupled to a mobile device. The security token may be provisioned with the information by the mobile device, then decoupled from the mobile device and used to authenticate the user or perform a transaction at a POS terminal equipped with an NFC reader. The security token includes logic for user-controlled restrictions on allowable purchases, such as payment limits, timeouts, vendor identifiers, allowed purchases, and location-based restrictions. The security token is further equipped with “self destruct” security features, such as deactivating itself or erasing any sensitive information upon being unable to contact the mobile device for a specified duration, or being subject to an unauthorized or restricted transaction, until such time as it is re-coupled to the mobile device.

主权项

1. A mobile device comprising:
a mobile processor; a security token in communication with the mobile processor via an interface, the security token comprising
a near field communications transceiver,a token memory that stores transaction information and a token logic that, when executed by the security token, enables a point-of-sale terminal to access the transaction information based on a determination that no restriction is present, wherein the security token is removably coupled to a housing of the mobile device; and a mobile memory that stores instructions that, when executed by the mobile processor, causes the mobile processor to perform operations comprising programming the transaction information and the restriction on the security token, wherein the restriction comprises a point-of-sale identifier restriction that is programmed on the mobile memory by the mobile device.