US 9,811,823 B2
Mobile device with disabling feature
Gavin Shenker, Los Angeles, CA (US); David Wentker, San Francisco, CA (US); Douglas Deibert, Alameda, CA (US); and Erick Wong, Menlo Park, CA (US)
Assigned to Visa U.S.A. Inc., San Francisco, CA (US)
Filed by Visa U.S.A. Inc., San Francisco, CA (US)
Filed on Mar. 16, 2017, as Appl. No. 15/461,300.
Application 15/461,300 is a continuation of application No. 11/971,586, filed on Jan. 9, 2008, granted, now 9,647,855.
Claims priority of provisional application 60/884,212, filed on Jan. 9, 2007.
Claims priority of provisional application 60/884,290, filed on Jan. 10, 2007.
Prior Publication US 2017/0193494 A1, Jul. 6, 2017
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/00 (2012.01); G06Q 20/32 (2012.01); H04W 4/00 (2009.01); G06Q 20/20 (2012.01); H04W 88/02 (2009.01)
CPC G06Q 20/3278 (2013.01) [G06Q 20/204 (2013.01); H04W 4/008 (2013.01); H04W 88/02 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
receiving a first configurable predetermined timeout time by a mobile device, wherein the mobile device comprises a contactless element that is configured to be read by a contactless reader in an access device, the mobile device comprising a mobile payment application, the mobile payment application capable of selection by a user, wherein the mobile payment application is associated with a configurable predetermined timeout time, wherein the configurable predetermined timeout time is chosen by the user;
receiving a password by the mobile payment application at a first time, the mobile payment application associated with payment account information;
initiating a first payment transaction using the mobile device by executing the mobile payment application in the mobile device after receiving the password, wherein the mobile payment application has a pay functionality and is further configured for password protection;
during the first payment transaction, transmitting the payment account information to the access device;
during the first payment transaction, starting a timer to begin timing the first payment transaction that counts down from the first configurable predetermined timeout time;
for subsequent payment transactions before the first configurable predetermined timeout time has elapsed, receiving a reselection of the mobile payment application, the reselection not requiring a password to be entered after the password is entered the first time, even while the mobile payment application is configured for password protection; and
disabling the mobile payment application after the first configurable predetermined timeout time has elapsed.