Contactless transaction

US10057085B2 · kind B2 · utility

Assignee

• Visa U.S.A. Inc. · US

Inventors

• Dave Wentker · San Francisco, US
• Erick Wong · Menlo Park, US
• Gavin Shenker · Los Angeles, US
• Doug Deibert · Alameda, US

Key dates

• Filing date: Jan 9, 2008
• Grant date: Aug 21, 2018
• Expiry date: Aug 7, 2033

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04W88/02
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method associated with a contactless phone. The method includes sending a balance inquiry response message to a mobile phone. The mobile phone includes a contactless element that is configured to communicate with a contactless reader in a point of sale terminal. The account balance inquiry response message provides an account balance for an account associated with the mobile phone. The mobile phone is operated by a consumer. The method also includes sending a transaction alert message to the mobile phone, where the transaction alert message informs the consumer that a transaction has occurred using the account. The method also includes sending an offer message to the mobile phone, where the offer message provides a benefit to the consumer if the consumer uses the mobile phone to conduct a predetermined transaction.