Security token for mobile near field communication transactions

US9280772B2 · kind B2 · utility

Assignee

• AT&T Intellectual Property I, L.P. · US

Inventors

• Christopher Baldwin · Algonquin, US
• Bruce Barnes · Crystal Lake, US
• Patrick Kenny · Barrington, US
• Shadi Khoshaba · Skokie, US
• Dolores J. Mallian · McLeansboro, US
• Nikhil Marathe · Roselle, US
• Charles Stahulak · Chicago, US

Key dates

• Filing date: Aug 25, 2014
• Grant date: Mar 8, 2016
• Expiry date: Aug 25, 2034

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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.