Card swipe emulation systems and methods

Patent metadata

Field	Value
Publication number	US-12530682-B2
Application number	US-202418667844-A
Country	US
Kind code	B2
Filing date	May 17, 2024
Priority date	Aug 31, 2015
Publication date	Jan 20, 2026
Grant date	Jan 20, 2026

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, from a transaction account issuer, a token comprising an alias transaction account data; storing the token in a digital wallet of a computing device; selecting 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 physical transaction card data and includes the alias transaction account data in place of actual transaction account data.

First claim

Therefore, at least the following is claimed:

1 . A method comprising:
receiving, by a point-of-sale device, a wireless signal from a transaction device, wherein the wireless signal carries emulated track data for payment of a transaction, wherein the emulated track data emulates physical transaction card data and includes alias transaction account data in place of actual transaction account data, 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; reading, by the point-of-sale device, the emulated track data from the wireless signal; generating, by the point-of-sale device, a transaction payload, wherein the transaction payload contains the alias transaction account data; transmitting, by the point-of-sale device, the transaction payload to an authorization network server; receiving, by the point-of-sale device, an authorization instruction from the authorization network server for handling payment of the transaction; and processing, by the point-of-sale device, the payment of the transaction in accordance with the authorization instruction.

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

3 . The method of claim 1 , wherein the transaction device comprises a mobile phone.

4 . The method of claim 1 , wherein the alias transaction account data is mapped to the actual transaction account data by a card issuer network.

5 . The method of claim 1 , wherein the wireless signal is limited in range and duration.

6 . The method of claim 1 , wherein the transaction payload is encrypted using a payment network public key.

7 . The method of claim 1 , wherein the transaction device validates a user through at least one of a security code, biometric input, or gesture prior to transmitting the wireless signal.

8 . A method comprising:
receiving, by a point-of-sale device, a wireless signal from a transaction device, wherein the wireless signal carries emulated track data for payment of a transaction, wherein the emulated track data emulates physical transaction card data and includes alias transaction account data in place of actual transaction account data; reading, by the point-of-sale device, the emulated track data from the wireless signal; generating, by the point-of-sale device, a transaction payload, wherein the transaction payload contains the alias transaction account data; transmitting, by the point-of-sale device, the transaction payload to an authorization network server; receiving, by the point-of-sale device, an authorization instruction from the authorization network server for handling payment of the transaction; processing, by the point-of-sale device, the payment of the transaction in accordance with the authorization instruction; transmitting, by the point-of-sale device, a transaction request to a client device; and receiving, by the point-of-sale device, from the client device, a session key embedded in the emulated track data.

9 . The method of claim 8 , wherein the emulated track data further comprises a service code and an expiration date.

10 . The method of claim 8 , wherein the transaction device comprises a mobile phone.

11 . The method of claim 8 , wherein the transaction payload is encrypted using a payment network public key.

12 . The method of claim 8 , wherein the session key is validated using a trusted execution environment of the transaction device.

13 . The method of claim 8 , wherein the transaction device validates a user through at least one of a security code, biometric input, or gesture prior to transmitting the wireless signal.

14 . The method of claim 8 , wherein the session key is deleted after a predetermined number of transmissions.

15 . A method comprising:
receiving, by a point-of-sale device, a wireless signal from a transaction device, wherein the wireless signal carries emulated track data for payment of a transaction, wherein the emulated track data emulates physical transaction card data and includes alias transaction account data in place of actual transaction account data, and wherein the point-of-sale device is incapable of near field communications with the transaction device; reading, by the point-of-sale device, the emulated track data from the wireless signal; generating, by the point-of-sale device, a transaction payload, wherein the transaction payload contains the alias transaction account data; transmitting, by the point-of-sale device, the transaction payload to an authorization network server; receiving, by the point-of-sale device, an authorization instruction from the authorization network server for handling payment of the transaction; and processing, by the point-of-sale device, the payment of the transaction in accordance with the authorization instruction.

16 . The method of claim 15 , wherein the emulated track data further comprises a service code and an expiration date.

17 . The method of claim 15 , wherein the transaction device comprises a mobile phone.

18 . The method of claim 15 , wherein the wireless signal is limited in range and duration.

19 . The method of claim 15 , wherein the transaction payload is encrypted using a payment network public key.

20 . The method of claim 15 , wherein the transaction device validates a user through at least one of a security code, biometric input, or gesture prior to transmitting the wireless signal.

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