IP Library Granted Patent US 11,587,159
Granted Patent B2
US 11,587,159 · App. 16/087,960 · Granted Feb 21, 2023

Bridge application for user pin selection

Inventors: Alec Warren Lanter (Murfreesboro, TN); Erik Ronald Stell (Brentwood, TN)
Assignee: CPI CARD GROUP—TENNESSEE, INC.
G06Q40/02G06F3/1204G06F3/1254G06Q10/10G07F7/1025H04L9/0863H04L9/3226H04L63/0428G06F3/1284G06Q2220/00
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Quick Facts
Patent No.
US 11,587,159
App. No.
16/087,960
Granted
Feb 21, 2023
Kind
B2
Abstract

Systems and methods related to a bridge application that facilitates interoperability between a remotely-served application and locally connected peripheral devices. The bridge application may execute on a local machine and be addressable at the loop-back address of the local machine. Requests issued to the bridge application may be verified as originating from a trusted source. In turn, requests from a locally performed and remotely-served application may be issued to local hardware resources such as peripheral devices or the like.

Claims (68)

1. A method for communication of data corresponding to a customer-selected personal identification number (PIN) from a peripheral PIN entry device to a remotely-served instant card issue application, the method comprising:

executing a bridge application on a local machine with which a peripheral PIN entry device is in operative communication;

exposing an application programming interface (API) of the bridge application for receipt of PIN requests only on a loopback address of the local machine on which the bridge application is executed;

receiving a PIN request addressed to the loopback address at the bridge application from a remotely-served instant card issuance application, wherein the PIN request identifies a source of the PIN request corresponding to the remotely-served instant card issuance application;

verifying the source of the PIN request as a trusted source;

communicating the PIN request between the bridge application and the peripheral PIN entry device using a device driver on the local machine to acquire PIN data from the peripheral PIN entry device corresponding to a customer-selected PIN entered at the peripheral PIN entry device; and

returning the PIN data to the remotely-served instant card issuance application.

2. The method of claim 1 , wherein the PIN request comprises a hypertext transfer protocol (HTTP) request.

3. The method of claim 2 , wherein the PIN request is communicated using a cryptographic communication protocol.

4. The method of claim 1 , wherein the source comprises a card services provider remote from the local machine.

5. The method of claim 4 , wherein the method further comprises:

requesting the remotely-served instant card issuance application from the card services provider;

receiving the remotely-served instant card issuance application from the card services provider; and

communicating customer information corresponding to a card to be processed by the card services provider.

6. The method of claim 5 , further comprising:

generating, at the card services provider, the remotely-served instant card issuance application.

7. The method of claim 6 , wherein the PIN request is generated by a browser application executing on the local machine and performing the remotely-served instant card issuance application, and wherein the remotely-served instant card issuance application comprises a browser-based system user interface generated by a web service of the card services provider.

8. The method of claim 1 , wherein the remotely-served instant card issuance application comprises instructions for generation of the PIN request.

9. The method of claim 8 , wherein the remotely-served instant card issuance application is generated by a web service of a card services provider.

10. The method of claim 9 , wherein the remotely-served instant card issuance application is performed by a browser application executing on the local machine, and wherein the remotely-served instant card issuance application comprises a browser-based system user interface generated by the web service of the card services provider.

11. The method of claim 9 , wherein the remotely-served instant card issuance application is performed by an integrated banking application executing on the local machine by accessing a web API of the web service of the card services provider.

12. The method of claim 1 , wherein the PIN request is generated in response to selection of a customer-selected PIN option in the remotely serviced instant card issuance application for association with a card to be processed by the remotely-served instant card issuance application.

13. The method of claim 12 , wherein the verifying comprises comparing the source of the PIN request to at least one predetermined trusted source.

14. The method of claim 13 , wherein the at least one predetermined trusted source comprises a card services provider corresponding to the remotely-served instant card issuance application.

15. The method of claim 14 , wherein the response is provided to the card services provider corresponding to the remotely-served instant card issuance application.

16. The method of claim 15 , further comprising:

receiving, at a location associated with the local machine, a card generation command from the card services provider corresponding to the remotely-served instant card issuance application, wherein the card generation command comprises customer information and is associated with the PIN data.

17. The method of claim 16 , further comprising:

generating the card, at a card printer at the location associated with the local machine, in response to receiving the card generation command.

18. The method of claim 17 , wherein the generating comprises printing the card.

19. The method of claim 18 , wherein the customer information comprises a customer selected image, and wherein the printing comprises printing the customer selected image on the card.

20. The method of claim 18 , wherein the generating comprises encoding the customer information onto the card.

21. The method of claim 20 , wherein each step of the method is performed while the customer is present at the location associated with the local machine.

22. The method of claim 1 , wherein the PIN request comprises an encrypted PIN request.

23. The method of claim 22 , wherein the PIN data comprises encrypted PIN data.

24. The method of claim 23 , wherein the encrypted PIN data comprises an encrypted PIN block generated by the peripheral PIN entry device in response to, and corresponding to, the customer-selected PIN entered by the customer at the peripheral PIN entry device.

25. The method of claim 24 , wherein the encrypted PIN data comprises:

a PIN cryptogram comprising the customer-selected PIN encrypted using an encryption key unique to the peripheral PIN entry device, and

a key serial number comprising a unique value corresponding to the encrypted PIN block associated with the PIN request and the peripheral PIN entry device.

26. A system for interface between a remotely-served instant card issuance application and a peripheral personal identification number (PIN) entry device at a local machine for customer-selected PIN entry in connection with the remotely serviced instant card issuance application, the system comprising:

a local machine;

a peripheral PIN entry device for generation of PIN data corresponding to a customer-selected PIN entered by a customer, the peripheral PIN entry device being in operative communication with the local machine via a device driver executed on the local machine;

a remotely-served instant card issuance application performed on the local machine and operative to generate a PIN request, wherein the PIN request identifies a source of the PIN request corresponding to the remotely-served instant card issuance application;

a bridge application executing on the local machine that exposes an application programming interface (API) for receipt of the PIN request only on at a loopback address of the local machine, wherein the bridge application only authorizes requests received on the loopback address from a trusted source for interface with the peripheral PIN entry device to retrieve the PIN data from the peripheral PIN entry device for return of the PIN data to the remotely-served instant card issuance application.

27. The system of claim 26 , wherein the PIN request comprises a hypertext transfer protocol (HTTP) request.

28. The system of claim 27 , wherein the PIN request is communicated using a cryptographic communication protocol.

29. The system of claim 26 , further comprising:

a card services provider remote from the local machine that generates the remotely-served instant card issuance application.

30. The system of claim 29 , further comprising:

a browser application executing on the local machine, wherein the remotely-served instant card issuance application is performed by the browser application;

wherein the remotely-served instant card issuance application comprises a browser-based system user interface generated by a web service of the card services provider.

31. The system of claim 26 , wherein the remotely-served instant card issuance application is generated by a web service of a card services provider.

32. The system of claim 31 , further comprising:

a browser application executing on the local machine, wherein the remotely-served instant card issuance application is performed by the browser application; and

wherein the remotely-served instant card issuance application comprises a browser-based system user interface generated by a web service of the card services provider.

33. The system of claim 31 , further comprising:

an integrated banking application executing on the local machine, wherein the remotely-served instant card issuance application is performed by the integrated banking application by accessing a web API of the web service of the card services provider.

34. The system of claim 26 , wherein the trusted source comprises a card services provider corresponding to the remotely-served instant card issuance application.

35. The system of claim 34 , further comprising:

a card printer at a location associated with the local machine, wherein the card printer receives a card generation command from the card services provider corresponding to the remotely-served instant card issuance application, wherein the card generation command comprises customer information and is associated with the PIN data.

36. The system of claim 35 , wherein the card printer generates the card based on the card generation command.

37. The system of claim 36 , wherein the card printer encodes at least a portion of the customer information onto the card.

38. The system of claim 26 , wherein the PIN request comprises an encrypted PIN request.

39. The system of claim 38 , wherein the PIN data comprises encrypted PIN data.

40. The system of claim 39 , wherein the encrypted PIN data comprises an encrypted PIN block generated by the peripheral PIN entry device in response to, and corresponding to, the customer-selected PIN entered by the customer at the peripheral PIN entry device.

41. The system of claim 40 , wherein the encrypted PIN data comprises:

a PIN cryptogram comprising the customer-selected PIN encrypted using an encryption key unique to the peripheral PIN entry device, and

a key serial number comprising a unique value corresponding to the encrypted PIN block associated with the PIN request and the peripheral PIN entry device.

Assignments (7)
SECURITY INTEREST Recorded Jul 12, 2024
From: CPI CARD GROUP – COLORADO, INC.; CPI CARD GROUP – MINNESOTA, INC.; CPI CARD GROUP – TENNESSEE, INC.
To: JPMORGAN CHASE BANK, N.A., AS AGENT
Reel/Frame 068310/0406 →
SECURITY INTEREST Recorded Jul 11, 2024
From: CPI CARD GROUP – TENNESSEE, INC.; CPI CARD GROUP – MINNESOTA, INC.; CPI CARD GROUP – COLORADO, INC.
To: U.S. BANK TRUST COMPANY, NATIONAL ASSOCIATION, AS NOTES COLLATERAL AGENT
Reel/Frame 068292/0703 →
RELEASE OF SECURITY INTEREST Recorded Mar 15, 2021
From: GUGGENHEIM CREDIT SERVICES, LLC
To: CPI CARD GROUP - COLORADO, INC.; CPI CARD GROUP - MINNESOTA, INC.; CPI CARD GROUP - TENNESSEE, INC.
Reel/Frame 055599/0343 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Mar 15, 2021
From: GLAS AMERICAS LLC, AS SUCCESSOR TO THE BANK OF NOVA SCOTIA
To: CPI CARD GROUP - MINNESOTA, INC.; CPI CARD GROUP - COLORADO, INC.; CPI CARD GROUP - TENNESSEE, INC.
Reel/Frame 056750/0435 →
NOTICE OF SUCCESSOR AGENT AND ASSIGNMENT OF SECURITY INTEREST (PATENTS) Recorded Mar 12, 2020
From: THE BANK OF NOVA SCOTIA
To: GLAS AMERICAS LLC
Reel/Frame 052160/0085 →
PATENT SECURITY AGREEMENT Recorded Mar 6, 2020
From: CPI CARD GROUP - COLORADO, INC.; CPI CARD GROUP - MINNESOTA, INC.; CPI CARD GROUP - TENNESSEE, INC.
To: GUGGENHEIM CREDIT SERVICES, LLC, AS COLLATERAL AGENT
Reel/Frame 052117/0145 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Sep 24, 2018
From: LANTER, ALEC WARREN; STELL, ERIK RONALD
To: CPI CARD GROUP - TENNESSEE, INC.
Reel/Frame 046953/0796 →