Magnetic card swipe emulation systems and methods

Patent metadata

Field	Value
Publication number	US-9613306-B2
Application number	US-201514958638-A
Country	US
Kind code	B2
Filing date	Dec 3, 2015
Priority date	Aug 31, 2015
Publication date	Apr 4, 2017
Grant date	Apr 4, 2017

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 storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.

First claim

What is claimed is:

1. A method comprising:
storing, by a processor, a plurality of session keys on a mobile device with the session keys having an expected order of use;
receiving, by the processor, a transaction request;
decrypting, by the processor, a next expected session key from the plurality of session keys; and
broadcasting, by the processor, a signal configured for being received by a magnetic stripe reader,
wherein at least one of track 1 data or track 2 data are encoded in the signal,
wherein the at least one of the track 1 data or the track 2 data comprises a dynamically generated value, and
wherein the dynamically generated value is generated based on the next expected session key.

2. The method of claim 1 , further comprising requesting, by the processor, that a network trusted app encrypts the next expected session key.

3. The method of claim 2 , wherein the network trusted app comprises a trusted execution environment chip.

4. The method of claim 1 , further comprising receiving, by the processor, the plurality of session keys from an enterprise wallet hub before the storing the session keys on the mobile device.

5. The method of claim 1 , further comprising clearing, by the processor, the next expected session key in response to the broadcasting the signal configured for being received by the magnetic stripe reader.

6. The method of claim 1 , wherein the signal configured for being received by the magnetic stripe reader is encoded in a magnetic field.

7. The method of claim 1 , further comprising selecting, by the processor, magnetic stripe emulation as a communication medium, in response to not detecting a near field communication terminal.

8. A computer-based system, comprising:
a processor;
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 perform operations comprising:
storing, by the processor, a plurality of session keys on a mobile device with the session keys having an expected order of use;
receiving, by the processor, a transaction request;
decrypting, by the processor, the next expected session key; and
broadcasting, by the processor, a signal configured for being received by a magnetic stripe reader,
wherein at least one of track 1 data or track 2 data are encoded in the signal,
wherein the at least one of the track 1 data or the track 2 data comprises a dynamically generated value, and
wherein the dynamically generated value is generated based on the next expected session key.

9. The computer-based system of claim 8 , further comprising requesting, by the processor, that a network trusted app encrypts the next expected session key.

10. The computer-based system of claim 9 , wherein the network trusted app comprises a trusted execution environment chip.

11. The computer-based system of claim 8 , further comprising receiving, by the processor, the plurality of session keys from an enterprise wallet hub before the storing the session keys on the mobile device.

12. The computer-based system of claim 8 , further comprising clearing, by the processor, the next expected session key in response to the broadcasting the signal configured for being received by the magnetic stripe reader.

13. The computer-based system of claim 8 , wherein the signal configured for being received by the magnetic stripe reader is encoded in a magnetic field.

14. The computer-based system of claim 8 , further comprising selecting, by the processor, magnetic stripe emulation as a communication medium, in response to not detecting a near field communication terminal.

15. An article of manufacture including a non-transitory, tangible computer readable storage medium having instructions stored thereon that, in response to execution by a computer-based system having a processor, cause the computer-based system to perform operations comprising:
storing, by the processor, a plurality of session keys on a mobile device with the session keys having an expected order of use;
receiving, by the processor, a transaction request;
decrypting, by the processor, the next expected session key; and
broadcasting, by the processor, a signal configured for being received by a magnetic stripe reader,
wherein at least one of track 1 data or track 2 data are encoded in the signal,
wherein the at least one of the track 1 data or the track 2 data comprises a dynamically generated value, and
wherein the dynamically generated value is generated based on the next expected session key.

16. The article of claim 15 , further comprising requesting, by the processor, that a network trusted app encrypts the next expected session key.

17. The article of claim 16 , wherein the network trusted app comprises a trusted execution environment chip.

18. The article of claim 15 , further comprising clearing, by the processor, the next expected session key in response to the broadcasting the signal configured for being received by the magnetic stripe reader.

19. The article of claim 15 , wherein the signal configured for being received by the magnetic stripe reader is encoded in a magnetic field.

20. The article of claim 15 , further comprising selecting, by the processor, magnetic stripe emulation as a communication medium, in response to not detecting a near field communication terminal.

Assignees

• American Express Travel Related Services Co Inc

Inventors

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

Classifications

• G06Q20/351

  Virtual cards · CPC title

• H04W4/80

  Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication · CPC title

• H04L9/0863

  involving passwords or one-time passwords (network architectures or network communication protocols for using one-time keys in a packet data network H04L63/067) · CPC title

• H04L2209/56

  Financial cryptography, e.g. electronic payment or e-cash · CPC title

• H04L63/067

  using one-time keys (cryptographic mechanisms or cryptographic arrangements for generation of one-time passwords H04L9/0863) · CPC title