Granted Patent B2

US 10,248,949 · App. 15/647,235 · Granted Apr 2, 2019

Inventors: Frank Sandeløv (Herlev, DK); Thiago Olson (Atlanta, GA); Christopher Bartenstein (Ann Arbor, MI); Henry Balanon (Ann Arbor, MI)

Assignee: CardLab ApS.

G06Q20/3415G06K7/087G06K19/06206G06Q20/341G06Q20/3572G07F7/0833G07F7/0853H04W76/10

Abstract

Claims (118)

1. A method comprising:

at a dynamic transaction card:

at a first time, storing a group of cryptograms generated by a local cryptogram generator stored on the dynamic transaction card, the group of cryptograms comprising the first cryptogram and a second cryptogram distinct from the first cryptogram;

at a second time, establishing a wireless connection with a mobile computing device;

in response to establishing the wireless connection with the mobile computing device, at a local token generator stored on the dynamic transaction card, generating a first token associated with the first cryptogram;

generating a first magnetic stripe sequence command representing the first cryptogram and the first token by fusing the first cryptogram and the first token representing a first payment method;

in response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command;

at the local token generator, generating a second token associated with the second cryptogram;

generating a second magnetic stripe sequence command representing the second cryptogram and the second token by fusing the second cryptogram and the second token representing a second payment method;

at a fourth time succeeding the third time, receiving a selection for the second payment method; and

at approximately the fourth time, in response to detecting a second magnetic stripe card reader proximal the magnetic stripe emulator, driving the magnetic stripe emulator according to the second magnetic stripe sequence command.

2. The method of claim 1 , wherein storing the group of cryptograms comprises:

storing the first cryptogram comprising a first single-use cryptogram; and

storing the second cryptogram comprising a second single-use cryptogram.

3. The method of claim 1 ,

further comprising, at the dynamic transaction card, in response to passage of a threshold duration of time following the third time, deleting the first token from the dynamic transaction card.

4. The method of claim 1 :

wherein driving the magnetic stripe emulator comprises driving the magnetic stripe emulator according to the first magnetic stripe sequence command while the wireless connection is current; and

further comprising, in response to failure of the wireless connection, deleting the first token from the dynamic transaction card.

5. The method of claim 1 :

further comprising, in response to failure of the wireless connection:

entering an inactive mode, the magnetic stripe emulator deactivated in the inactive mode;

in response to receipt of a passcode entered on a surface of the dynamic transaction card, entering an active mode; and

wherein driving the magnetic stripe emulator according to the first magnetic stripe sequence command comprises, in the active mode, in response to detecting a magnetic stripe card reader proximal the magnetic stripe emulator, driving the magnetic stripe emulator according to the first magnetic stripe sequence command.

6. The method of claim 1 :

further comprising:

associating the first payment method with a first input region on a surface of the dynamic transaction card; and

associating the second payment method with a second input region on the surface of the dynamic transaction card;

wherein driving the magnetic stripe emulator according to the first magnetic stripe sequence command comprises driving the magnetic stripe emulator according to the first magnetic stripe sequence command by default; and

wherein driving the magnetic stripe emulator according to the second magnetic stripe sequence command comprises driving the magnetic stripe emulator according to the second magnetic stripe sequence command in response to selection of the second input region.

7. The method of claim 1 , further comprising:

at a native application executing on the mobile computing device:

receiving a loyalty account associated with a loyalty program;

at the dynamic transaction card:

downloading a second magnetic stripe sequence command representing the loyalty account from the mobile computing device via the wireless connection;

storing the second magnetic stripe sequence command in local memory of the dynamic transaction card;

at a fourth time succeeding the third time, in response to receiving a selection of the loyalty account and detecting a second magnetic stripe card reader proximal the magnetic stripe emulator, driving the magnetic stripe emulator according to the second magnetic stripe sequence command.

8. The method of claim 7 :

further comprising, in response to detecting the wireless connection, receiving a current location of the mobile computing device; and

wherein driving the magnetic stripe emulator according to the second magnetic stripe sequence command comprises:

selecting the loyalty account based on relevance of the loyal account at the current location; and

in response to selection of the loyalty account, driving the magnetic stripe emulator according to the second magnetic stripe sequence command.

9. The method of claim 1 :

wherein storing the group of cryptograms comprises storing the first cryptogram comprising a thirty-two-bit bitstring;

wherein generating the first token comprises generating the first token comprising a sixteen-bit bitstring at the local token generator; and

wherein fusing the first cryptogram and the first token to form a first payment method comprises compiling the thirty-two-bit bitstring and the sixteen-bit bitstring into the first magnetic stripe sequence command.

10. The method of claim 1 :

wherein driving the magnetic stripe emulator according to the first magnetic stripe sequence command comprises, at approximately the third time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command in a first transaction; and

further comprising:

at a native application executing on the mobile computing device:

downloading a second payment method;

at the dynamic transaction card:

downloading a second magnetic stripe sequence command representing the second payment method from the mobile computing device via the wireless connection;

storing the second magnetic stripe sequence command in local memory of the dynamic transaction card; and

in response to failure of the first transaction at a POS system and in response to detection of the magnetic stripe card reader proximal the dynamic transaction card within a threshold duration of the third time, driving the magnetic stripe emulator according to the second magnetic stripe sequence command in a second transaction.

11. The method of claim 1 , further comprising, in response to detecting a chip-card reader at an integrated chip-card circuit of the dynamic transaction card, outputting the first token and the first cryptogram via the integrated chip-card circuit.

12. A method comprising:

at a native application executing on a mobile computing device:

receiving a first token from an external token generator generated on behalf of a financial institution; and

storing the first token in local memory on the mobile computing device, the first token representing a first payment method associated with a financial account;

at a dynamic transaction card:

at a first time, storing a group of cryptograms comprising the first cryptogram and a second cryptogram;

at a second time, establishing a wireless connection with the mobile computing device;

detecting activation of the dynamic transaction card at approximately the second time;

in response to activation of the dynamic transaction card, transmitting a query for a token to the mobile computing device over the wireless connection;

downloading the first token from the mobile computing device;

generating a first magnetic stripe sequence command representing the first cryptogram and the first token; and

in response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command;

at the native application, in response to receipt of fraud detection related to the financial account, downloading a second token representing a second payment method associated with the financial account; and

at the dynamic transaction card:

downloading the second token from the mobile computing device via the wireless connection;

generating a second magnetic stripe sequence command representing the second cryptogram and the second token; and

in response to detecting a second magnetic stripe card reader proximal the magnetic stripe emulator, driving the magnetic stripe emulator according to the second magnetic stripe sequence command.

13. A method comprising:

at a native application executing on a mobile computing device:

receiving a first token from an external token generator generated on behalf of a financial institution; and

storing the first token in local memory on the mobile computing device, the first token representing a first payment method associated with a financial account;

at a first time, accessing a first cryptogram;

at a second time, establishing a wireless connection with the mobile computing device; and

at the dynamic transaction card:

detecting a signal, output by a piezoelectric transducer arranged within the dynamic transaction card, that exceeds a preset threshold magnitude, the piezoelectric transducer configured to output a signal corresponding to a degree of deflection of the dynamic transaction card;

in response to detecting the signal, activating the dynamic transaction card at approximately the second time;

in response to activation of the dynamic transaction card, transmitting a query for a token to the mobile computing device over the wireless connection;

downloading the first token from the mobile computing device;

generating a first magnetic stripe sequence command representing the first cryptogram and the first token; and

in response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command.

14. The method of claim 13 , further comprising, at the native application:

downloading the first token and a graphical representation of a first payment method associated with a financial account hosted by the financial institution; and

rendering the graphical representation of the first payment method within the native application to indicate activation of the first payment method within the financial account.

15. The method of claim 13 , further comprising:

wherein receiving the first token at the native application comprises receiving a group of tokens from the external token generator, the group of tokens comprising the first token and a second token distinct from the first token;

further comprising, at a fourth time succeeding the third time:

at the dynamic transaction card, transmitting a second query for a token to the mobile computing device at approximately the third time in response to activation of the dynamic transaction card;

downloading the second token from the mobile computing device;

generating a second magnetic stripe sequence command representing the first cryptogram and the second token; and

in response to detecting a second magnetic stripe card reader proximal the magnetic stripe emulator at a fifth time succeeding and within a threshold duration of the fourth time, driving the magnetic stripe emulator according to the second magnetic stripe sequence command.

16. The method of claim 15 , further comprising:

at the dynamic transaction card, transmitting confirmation of emulation of the first token at the magnetic stripe emulator to the mobile computing device in response to driving the magnetic stripe emulator according to the first magnetic stripe sequence command; and

at the native application, deleting the first token from local memory in response to receiving confirmation of emulation of the first token from the dynamic transaction card.

17. The method of claim 13 , further comprising, at a native application executing on the mobile computing device,

in response to receiving confirmation of receipt of the first token from the dynamic transaction card, deleting the first token from local memory on the mobile computing device.

18. The method of claim 17 ,

further comprising, at the dynamic transaction card, in response to passage of a threshold duration of time following the third time, deleting the first token from the dynamic transaction card.

19. A method comprising, at a dynamic transaction card:

at a first time, accessing a first cryptogram;

at a second time, establishing a wireless connection with a mobile computing device;

in response to establishing the wireless connection with the mobile computing device, accessing a first token associated with the first cryptogram;

generating a first magnetic stripe sequence command based on the first cryptogram and the first token representing a first payment method;

in response to detecting a magnetic stripe card reader proximal a magnetic stripe emulator integrated into the dynamic transaction card at a third time succeeding the second time, driving the magnetic stripe emulator according to the first magnetic stripe sequence command in a first transaction;

at a native application executing on the mobile computing device, downloading a second payment method;

at the dynamic transaction card:

downloading a second magnetic stripe sequence command representing the second payment method from the mobile computing device via the wireless connection;

storing the second magnetic stripe sequence command in local memory of the dynamic transaction card; and

in response to failure of the first transaction at a POS system and in response to detection of the magnetic stripe card reader proximal the dynamic transaction card within a threshold duration of the third time, driving the magnetic stripe emulator according to the second magnetic stripe sequence command in a second transaction; and

at the native application:

recording a first location associated with the first transaction;

receiving transaction information from the dynamic transaction card identifying failure of the first transaction; and

generating a map identifying security preferences of the POS system based on the first location and the transaction information.

Assignments (1)

Continuity (14)