Apparatuses and methods for operating a portable electronic device to conduct mobile payment transactions
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United States of America Patent
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Jan 9, 2018
Issued Date -
N/A
app pub date -
Mar 24, 2016
filing date -
May 29, 2014
priority date (Note) -
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status (Latency Note)
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Abstract
Methods for operating a portable electronic device to conduct a mobile payment transaction at a merchant terminal are provided. The electronic device may verify that the current user of the device is indeed the authorized owner by requiring the current user to enter a passcode. If the user is able to provide the correct passcode, the device is only partly ready to conduct a mobile payment. In order for the user to fully activate the payment function, the user may have to supply a predetermined payment activation input such as a double button press that notifies the device that the user intends to perform a financial transaction in the immediate future. The device may subsequently activate a payment applet for a predetermined period of time during which the user may hold the device within a field of the merchant terminal to complete a near field communications based mobile payment transaction.
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