Magnetic card swipe emulation systems and methods

Patent metadata

Field	Value
Publication number	US-12020243-B2
Application number	US-202217831315-A
Country	US
Kind code	B2
Filing date	Jun 2, 2022
Priority date	Aug 31, 2015
Publication date	Jun 25, 2024
Grant date	Jun 25, 2024

Abstract

A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a selection of a transaction account to be used as payment for a transaction; and transmitting a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates data in tracks of a magnetic card and includes alias transaction account data in place of actual transaction account data.

First claim

We claim:

1. A method comprising:
receiving, by a computing device from a transaction account issuer, a token comprising an alias transaction account data;
storing, by the computing device, the token in a digital wallet of the computing device;
selecting, by the computing device, a transaction account to be used as payment for a transaction; and
transmitting, by the computing device, a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates data in tracks of a magnetic card and includes the alias transaction account data in place of actual transaction account data.

2. The method of claim 1 , further comprising attempting to detect a near field communication terminal in proximity of the computing device, wherein the computing device transmits the wireless signal carrying the emulated track data in response to failing to detect the near field communication terminal.

3. The method of claim 1 , wherein the emulated track data comprises emulated track 1 data and emulated track 2 data, wherein at least one of the emulated track 1 data or the emulated track 2 data includes the alias transaction account data.

4. The method of claim 1 , wherein the computing device is a mobile device.

5. The method of claim 1 , wherein the wireless signal is from a magnetic field emitted from the computing device.

6. The method of claim 1 , further comprising:
storing, by the computing device, a session key, wherein the session key is encrypted;
receiving, by the computing device, a transaction request;
decrypting, by the computing device, the session key; and
generating, by the computing device, a dynamic value based on the session key, wherein the emulated track data includes the dynamic value.

7. The method of claim 1 , wherein the emulated track data further comprises a service code and an expiration date.

8. The method of claim 1 , wherein the computing device is integrated with an electromagnetic communication chip that is configured to generate the wireless signal.

9. A system comprising:
a processor of a computing device; and
a tangible, non-transitory memory configured to communicate with the processor, the tangible, non-transitory memory having instructions stored thereon that, in response to execution by the processor, cause the processor to:
receive a token comprising alias transaction account data;
store the token in a digital wallet of the computing device;
receive a selection of a transaction account to be used as payment for a transaction; and
transmit a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates data in tracks of a magnetic card and includes the alias transaction account data in place of actual transaction account data.

10. The system of claim 9 , wherein the instructions further cause the processor to attempt to detect a near field communication terminal in proximity of the computing device, wherein the computing device transmits the wireless signal carrying the emulated track data in response to failing to detect the near field communication terminal.

11. The system of claim 9 , wherein the emulated track data comprises emulated track 1 data and emulated track 2 data, wherein at least one of the emulated track 1 data or the emulated track 2 data includes the alias transaction account data.

12. The system of claim 9 wherein the emulated track data comprises emulated track 3 data, wherein the emulated track 3 data includes a dynamically generated digital signature value.

13. The system of claim 9 , wherein the instructions further cause the processor to:
store a session key on the computing device, wherein the session key is encrypted;
receive a transaction request;
decrypt the session key; and
generate a dynamic value based on the session key, wherein the emulated track data includes the dynamic value.

14. The system of claim 9 wherein the actual transaction account data includes data related to a transaction account enabled on a digital wallet for the computing device.

15. The system of claim 9 , wherein the wireless signal is from a magnetic field emitted from the computing device.

16. The system of claim 9 , wherein the processor is integrated with an electromagnetic communication chip that is configured to generate the wireless signal.

17. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computing device, cause the computing device to:
receive, from a transaction account issuer, a token comprising alias transaction account data;
store the token in a digital wallet of the computing device;
receive a selection of a transaction account to be used as payment for a transaction; and
transmit a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates data in tracks of a magnetic card and includes the alias transaction account data in place of actual transaction account data.

18. The article of manufacture of claim 17 , wherein the instructions further cause the computing device to attempt to detect a near field communication terminal in proximity of the computing device, wherein the computing device transmits the wireless signal carrying the emulated track data in response to failing to detect the near field communication terminal.

19. The article of manufacture of claim 17 , wherein the emulated track data comprises emulated track 1 data and emulated track 2 data, wherein at least one of the emulated track 1 data or the emulated track 2 data includes the alias transaction account data.

20. The article of manufacture of claim 17 , wherein the instructions further cause the computing device to:
store a session key on the computing device, wherein the session key is encrypted;
receive a transaction request;
decrypt the session key; and
generate a dynamic value based on the session key, wherein the emulated track data includes the dynamic value.

Assignees

• American Express Travel Related Services Co Inc

Inventors

• Deliwala Manish K
• Lupton Jonathan
• Maddukuri Ajay B
• Mcdonald John G

Classifications

• H04L9/14

  using a plurality of keys or algorithms · CPC title

• G06Q20/36

  using electronic wallets or electronic money safes · CPC title

• G06Q20/3226

  Use of secure elements separate from M-devices · CPC title

• H04W12/0433

  Key management protocols · CPC title

• H04W12/0431

  Key distribution or pre-distribution; Key agreement · CPC title