Rf payment via a mobile device

Abstract

A nontraditional transaction device, for example a mobile device, may be employed to complete a transaction. The mobile device may utilize radio frequency (RF) communication and/or authentication to facilitate completion of a transaction. Secondary identification information, for example voice recognition data, biometric recognition data, or alphanumeric data, may be utilized for secondary end user authentication. For security reasons, the mobile device account data may transmitted after the secondary identification information is verified.

We claim: 
     
         1 . A method performed by a radio frequency (RF) reader to facilitate a contactless mobile device transaction via RF transmission with an RF module in a mobile device, comprising:
 receiving, from the RF module in the mobile device, a transaction-specific authentication transmission and mobile device account data, wherein the transaction-specific authentication transmission and the mobile device account data are sent by the RF module in the mobile device in response to the mobile device receiving secondary identification information from a user; and   transmitting, to a transaction account issuer, the transaction-specific authentication transmission and the mobile device account data to facilitate completion of the contactless mobile device transaction.   
     
     
         2 . The method of  claim 1 , wherein the secondary identification information comprises at least one of voice recognition data, biometric recognition data or alphanumeric data. 
     
     
         3 . The method of  claim 1 , wherein the secondary identification information is received from the user via a secondary authentication user interface. 
     
     
         4 . The method of  claim 3 , wherein the secondary authentication user interface comprises a biometric authentication user interface. 
     
     
         5 . The method of  claim 1 , wherein the RF module is configured to comply with International Standards Organization ISO/IEC 14443. 
     
     
         6 . The method of  claim 1 , wherein the mobile device is a wireless phone. 
     
     
         7 . The method of  claim 1 , further comprising, authenticating the secondary identification information. 
     
     
         8 . The method of  claim 7 , wherein the authenticating the secondary identification information comprises comparing the secondary identification information to a verification key. 
     
     
         9 . The method of  claim 8 , wherein the transaction-specific authentication transmission and the mobile device account data are sent by the RF module in the mobile device upon the authenticating being successful. 
     
     
         10 . A non-transitory computer-readable storage medium having stored thereon computer-executable instructions that, in response to execution, cause a radio frequency (RF) reader, which facilitates a contactless mobile device transaction via RF transmission with an RF module in a mobile device, to perform operations comprising:
 receiving, from the RF module in the mobile device, a transaction-specific authentication transmission and mobile device account data, wherein the transaction-specific authentication transmission and the mobile device account data are sent by the RF module in the mobile device in response to the mobile device receiving secondary identification information from a user; and   transmitting, to a transaction account issuer, the transaction-specific authentication transmission and the mobile device account data to facilitate completion of the contactless mobile device transaction.   
     
     
         11 . The non-transitory computer-readable storage medium of  claim 10 , wherein the secondary identification information comprises at least one of voice recognition data, biometric recognition data or alphanumeric data. 
     
     
         12 . The non-transitory computer-readable storage medium of  claim 10 , wherein the secondary identification information is received from the user via a secondary authentication user interface. 
     
     
         13 . The non-transitory computer-readable storage medium of  claim 12 , wherein the secondary authentication user interface comprises a biometric authentication user interface. 
     
     
         14 . The non-transitory computer-readable storage medium of  claim 10 , wherein the operations further comprise authenticating the secondary identification information. 
     
     
         15 . The non-transitory computer-readable storage medium of  claim 14 , wherein the authenticating the secondary identification information comprises comparing the secondary identification information to a verification key. 
     
     
         16 . The non-transitory computer-readable storage medium of  claim 15 , wherein the transaction-specific authentication transmission and the mobile device account data are sent by the RF module in the mobile device upon the authenticating being successful. 
     
     
         17 . A radio frequency (RF) reader to facilitate a contactless mobile device transaction via RF transmission with an RF module in a mobile device, the RF reader configured to:
 receive, from the RF module in the mobile device, a transaction-specific authentication transmission and mobile device account data, wherein the transaction-specific authentication transmission and the mobile device account data are sent by the RF module in the mobile device in response to the mobile device receiving secondary identification information from a user; and   transmit, to a transaction account issuer, the transaction-specific authentication transmission and the mobile device account data to facilitate completion of the contactless mobile device transaction.   
     
     
         18 . The radio frequency (RF) reader of  claim 17 , wherein the secondary identification information comprises at least one of voice recognition data, biometric recognition data or alphanumeric data. 
     
     
         19 . The radio frequency (RF) reader of  claim 17 , wherein the RF reader is further configured to authenticate the secondary identification information by comparing the secondary identification information to a verification key. 
     
     
         20 . The radio frequency (RF) reader of  claim 18 , wherein the transaction-specific authentication transmission and the mobile device account data are sent by the RF module in the mobile device upon the authenticating being successful.