System and method for providing contactless payment with a near field communications attachment

Abstract

A system and method in accordance with exemplary embodiments may include an attachment with a near field communication antenna, a secure element, a plug capable of connecting the attachment to an audio jack on a mobile device. Further, a system and method in accordance with exemplary embodiments may include receiving a payment initiation instruction from a customer, using a near field communication antenna, sending payment information to a point of sale device, using one or more computer processors, encoding data related to the payment as audio data, and transmitting the data related to the payment through an audio jack.

1 - 20 . (canceled) 
     
     
         21 . An attachment device, comprising:
 a housing comprising:
 a radio frequency interface; 
 a secure element configured to:
 store a payment token; and 
 generate transaction data 
 
 an input circuit; and 
 an output circuit; 
   a connector in communication with the input circuit and output circuit; and   
       wherein the attachment device is configured to wirelessly transmit the token and the transaction data via the radio frequency interface during a mobile transaction. 
     
     
         22 . The attachment device of claim  20 , wherein the payment token is a surrogate value for a primary account number associated with the mobile transaction. 
     
     
         23 . The attachment device of claim  20 , wherein the connector forms an extension comprising a pass-through connection. 
     
     
         24 . The attachment device of claim  20 , wherein the input circuit comprises an audio encoder that encodes data to be wirelessly transmitted to a proximity coupling device. 
     
     
         25 . The attachment device of claim  20 , wherein the transaction data generated by the secure element comprises a cryptogram that is unique to the mobile transaction. 
     
     
         26 . The attachment device of claim  20 , wherein the transaction data comprises payment information. 
     
     
         27 . The attachment device of claim  20 , wherein housing further comprises a near-field communication antenna, and wherein the radio frequency interface is coupled to the near-field communication antenna. 
     
     
         28 . The attachment device of claim  20 , wherein the input circuit is configured to receive an account provisioning signal that includes the payment token. 
     
     
         29 . The attachment device of claim  20 , wherein the token is generated based on a device identifier of a mobile device in communication with the attachment device. 
     
     
         30 . The attachment deice of claim  20 , wherein the radio frequency interface establishes a communication link between the attachment device and a proximity coupling device to wirelessly transmit the token and the transaction data via the radio frequency interface during the mobile transaction. 
     
     
         31 . An attachment device, comprising:
 a housing comprising:
 a radio frequency interface comprising an input circuit; and 
 an output circuit; 
   a-plug-in communication with the output circuit; and   
       wherein the attachment device is configured to wirelessly receive transaction data via the radio frequency interface during a mobile transaction. 
     
     
         32 . The attachment device of  claim 31 , wherein the mobile transaction is associated with a primary account number. 
     
     
         33 . The attachment device of  claim 31 , further comprising a-jack, wherein the combined plug, housing, and jack form a headphone cord extension comprising a pass-through connection. 
     
     
         34 . The attachment device of  claim 31 , wherein the output circuit comprises a decoder that decodes the received transaction data for input to a connector of a mobile device. 
     
     
         35 . The attachment device of  claim 31 , wherein the received transaction data is unique to the mobile transaction. 
     
     
         36 . The attachment device of  claim 31 , wherein the transaction data comprises one or more of payment receipt information and payment confirmation. 
     
     
         37 . The attachment device of  claim 31 , wherein the housing further comprises a near-field communication antenna, and wherein the radio frequency interface is coupled to the near-field communication antenna. 
     
     
         38 . The attachment deice of  claim 31 , wherein the radio frequency interface establishes a communication link between the attachment device and a proximity coupling device to wirelessly receive transaction data via the radio frequency interface during the mobile transaction. 
     
     
         39 . A method of providing a contactless payment transaction, comprising:
 receiving, at a computer processor of a mobile device, a payment initiation instruction;   transmitting an encrypted and encoded payment execution instruction from the mobile device to an attachment device that includes:
 a housing comprising:
 a radio frequency interface comprising a near-field communication antenna; 
 a secure element configured to:
 store a payment token; and 
 generate transaction data 
 
 an input circuit; and 
 an output circuit; 
 
   a connector in communication with the input circuit and output circuit; and   wherein the attachment device is configured to wirelessly transmit the payment token and the transaction data via the radio frequency interface during a mobile transaction; and   transmitting payment information, the payment token, and the transaction data to a point of sale device via the near-field communication antenna.   
     
     
         40 . The method of  claim 39 , further comprising receiving, at the mobile device, data related to the payment; and providing the data related to the payment to a display on the mobile device.