Mobile device containing contactless payment device
US10692071B2 · kind B2 · utility
Assignee
Inventors
Key dates
| Filing date | Jan 2, 2019 |
| Grant date | Jun 23, 2020 |
| Priority date | — |
| Expiry date | Jan 2, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG07F7/1008
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
An apparatus such as a mobile phone includes a contactless smart card or payment device, where the smart card is intended for use in both commerce transaction payment and transit fare payment (or other venue access) environments. The payment device may function as both an electronic wallet for commerce transactions and as a transit system card, for access to and fare payment of transit services. Implementation of both functions may be achieved by use of a dynamic memory management system that permits data for both the payment and transit applications to be stored on the card, with the transit data and storage locations isolated from those used to store data intended for use in paying for commerce transactions. The transit application specific data may include access control data (keys, passwords, identification data) or data required for fare calculations (rates, historical data on system use), for example.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.