System and method for payment using a mobile device

Abstract

A system and method is disclosed for a contactless payment enabled smartphone in which a user can toggle between multiple payment methods, i.e. multiple different credit/debit card accounts, by predefined user actions, alone or in combination with the act of changing the physical orientation of the smartphone, and complete a payment transaction using the selected payment method via a contactless, wireless transmission.

1 .- 14 . (canceled) 
     
     
         15 . A wireless communication device adapted to conduct a financial transaction over a near-field communication network, comprising:
 a non-transitory computer readable storage medium;   a wireless near-field communication transceiver;   a user interface comprising a wake/sleep push-button and a touch-screen;   one or more processors configured to interact with the wireless transceiver, the user interface and the storage medium, wherein the one or more processors are configured to transition the wireless device between a sleep state and a wake state in response to actuation of the wake/sleep push-button; and   software modules stored on the storage medium and executable by the processor, wherein the software modules include:
 a payment details module comprising code executing in the one or more processors and configuring the one or more processors to receive two or more sets of payment information and associate the two or more sets of payment information with respective predefined user interactions, wherein each predefined user interaction is a prescribed number of actuations of the wake/sleep push-button over a prescribed period of time, and 
 a payment module comprising code executing in the one or more processors and configuring the one or more processors to, while the device remains in a locked state,
 detect one or more actuations of the wake/sleep push-button over a period of time, 
 automatically select a particular set of payment information among the two or more sets of payment information as a function of the one or more user actuations over the period of time corresponding to a predefined user interaction that is associated with the particular set of payment information, and 
 transmit the particular set of payment information using the wireless transceiver. 
 
   
     
     
         16 . The wireless communication device of  claim 15 , wherein the payment module configures the processor to perform each of the detecting, selecting and transmitting functions while the device remains in the locked state. 
     
     
         17 . The wireless communication device of  claim 15 , wherein the payment module further configures the processor to, using the near-field communication transceiver, detect a radio frequency field emitted by a proximate device, and wherein the configured processor performs each of the detecting, selecting and transmitting functions in response to detecting the radio frequency field. 
     
     
         18 . The wireless communication device of  claim 15 , wherein the payment module configures the processor to automatically select the particular set of payment information by comparing the detected one or more actuations over the period of time with the predefined user interactions. 
     
     
         19 . A method for selecting a payment method and conducting a financial transaction over a communication network using a wireless communication device, the method comprising:
 receiving, with a processor of the wireless device and a touchscreen user interface, two or more sets of payment information input by a user using the touchscreen;   associating, with the processor in a computer readable storage medium, the two or more sets of payment information with respective predefined user interactions, wherein each predefined user interaction is a prescribed number of user actuations of a wake/sleep push-button over a prescribed period of time; and   while the wireless device remains in a locked state,
 detecting, with the processor from the wake/sleep push-button, one or more actuations of the wake/sleep push-button over a period of time, 
 comparing, with the processor, the detected one or more actuations over the period of time with the predefined user interactions, 
 automatically selecting, with the processor, a particular set of payment information among the two or more sets of payment information based on the comparison, and 
 transmitting, with the processor using a near-field communication transceiver, the particular set of payment information. 
   
     
     
         20 . The method of  claim 19 , wherein the above steps of detecting the one or more actuations, comparing, selecting, and transmitting are performed while the device remains in the locked state. 
     
     
         21 . The method of  claim 19 , further comprising:
 detecting, with the processor using the near-field communication transceiver, a radio frequency field emitted by a proximate device, and wherein the above steps of detecting the one or more actuations, comparing, selecting, and transmitting are performed in response to detecting the radio frequency field.   
     
     
         22 . The method of  claim 19 , further comprising:
 defining the one or more predefined user interactions based on the input received from the user via the user interface.