Granted Patent B2

US 12,443,945 · App. 17/941,803 · Granted Oct 14, 2025

Inventors: Roshankumar Vishin Nichani (Winchester, GB); Adam Foster (Thatcham, GB); Anatolie Popusoi (Calcot, GB); Youwan Thapa (Basingstoke, GB)

Assignee: Visa International Service Association

G06Q20/3825G06Q20/202G06Q20/204G06Q20/3226G06Q20/3278G06Q20/38215G06Q20/3829G06Q20/389H04B5/00

Abstract

Claims (64)

1. A method, comprising:

storing, with an integrated circuit associated with a near field communication (NFC) transponder, a first public encryption key of a merchant device associated with a merchant for use as a unique device identifier of the merchant device in a memory of the integrated circuit, wherein the NFC transponder comprises an antenna and the integrated circuit, wherein the integrated circuit is powered by an electromagnetic field generated by a user device associated with a user or the merchant device associated with the merchant, and wherein the integrated circuit is configured to read from, write to, and/or delete data from the memory based on communicating via an NFC connection,

wherein the memory comprises a first predefined region comprising a secure region, a second predefined region comprising a merchant data region, and a third predefined region comprising a transaction data region, wherein the first public encryption key is stored in the secure region, and wherein merchant data associated the merchant is stored in the merchant data region;

limiting communication of data to and/or from the secure region of the memory to the merchant device, wherein limiting communication of data to and/or from the secure region of the memory to the merchant device comprises:

preventing data from being read from or written to the secure region of the memory based on communication with a device that is not associated with the merchant;

limiting communication of data from the merchant data region of the memory to the user device, wherein limiting communication of data from the merchant data region of the memory to the user device comprises:

permitting the user device to read data from the merchant data region, preventing the user device from writing data to the merchant data region, and allowing the merchant device to write data to the merchant data region; and

limiting communication of data to the transaction data region of the memory to the merchant device, wherein limiting communication of data to the transaction data region of the memory to the merchant device comprises:

permitting the merchant device to read data from the merchant data region, preventing the merchant device from writing data to the transaction data region, and allowing the user device to write data to the transaction data region;

retrieving, with the integrated circuit, the first public encryption key of the merchant device from the secure region of the memory;

retrieving, with the integrated circuit, the merchant data associated with the merchant from the merchant data region of the memory;

transmitting, with the integrated circuit, the first public encryption key of the merchant device and the merchant data to the user device via the antenna of the NFC transponder and a first NFC connection, wherein the first NFC connection is between the user device and the NFC transponder;

receiving, with the integrated circuit and from the user device, a second public encryption key of the user device for use as a unique device identifier of the user device and transaction data associated with a transaction between the merchant and the user via the antenna of the NFC transponder and the first NFC connection, wherein the transaction data associated with the transaction between the merchant and the user comprises the first public encryption key of the merchant device and the merchant data;

appending, with the integrated circuit, the second public encryption key and the transaction data associated with the transaction to a database stored in the memory in response to receiving the second public encryption key and the transaction data associated with the transaction via the NFC connection, wherein appending the second public encryption key and the transaction data associated with the transaction to the memory comprises:

storing, with the integrated circuit and based on receiving the second public encryption key from the user device, the second public encryption key and the transaction data associated with the transaction in the transaction data region of the memory; and

transmitting, with the integrated circuit, the second public encryption key and the transaction data associated with the transaction to the merchant device via a second NFC connection, wherein the second NFC connection is between the merchant device and the NFC transponder.

2. The method of claim 1 , wherein receiving the second public encryption key and the transaction data associated with the transaction via the antenna of the NFC transponder and the first NFC connection comprises:

receiving a payment token associated with a payment account for the user associated with the user device.

3. A transponder device, comprising:

an integrated circuit configured to:

store a first public encryption key of a merchant device associated with a merchant for use as a unique device identifier of the merchant device in a memory of the integrated circuit, wherein a near field communication (NFC) transponder comprises an antenna, wherein the integrated circuit is powered by an electromagnetic field generated by a user device associated with a user or the merchant device associated with the merchant, wherein the integrated circuit is configured to read from, write to, and/or delete data from the memory based on communicating via an NFC connection, wherein the memory comprises a first predefined region comprising a secure region, a second predefined region comprising a merchant data region, and a third predefined region comprising a transaction data region, wherein the first public encryption key is stored in the secure region, wherein merchant data associated with the merchant is stored in the merchant data region, and wherein the integrated circuit is configured to:

limit communication of data to and/or from the secure region of the memory to the merchant device, wherein, when limiting communication of data to and/or from the secure region of the memory to the merchant device, the integrated circuit is configured to:

prevent data from being read from or written to the secure region of the memory based on communication with a device that is not associated with the merchant;

limit communication of data from the merchant data region of the memory to the user device, wherein, when limiting communication of data from the merchant data region of the memory to the user device, the integrated circuit is configured to:

permit the user device to read data from the merchant data region, preventing the user device from writing data to the merchant data region, and allowing the merchant device to write data to the merchant data region; and

limit communication of data to the transaction data region of the memory to the merchant device, wherein, when limiting communication of data to the transaction data region of the memory to the merchant device, the integrated circuit is configured to:

permit the merchant device to read data from the merchant data region, preventing the merchant device from writing data to the transaction data region, and allowing the user device to write data to the transaction data region;

retrieve the first public encryption key of the merchant device from the secure region of the memory;

retrieve the merchant data associated with the merchant from the merchant data region of the memory;

transmit the first public encryption key of the merchant device and the merchant data to the user device via the antenna of the NFC transponder and a first NFC connection, wherein the first NFC connection is between the user device and the NFC transponder;

receive, from the user device, a second public encryption key of the user device for use as a unique identifier of the user device and transaction data associated with a transaction between the merchant and the user via the antenna of the NFC transponder the first NFC connection, wherein the transaction data associated with the transaction between the merchant and the user comprises the first public encryption key of the merchant device and the merchant data;

append the second public encryption key and the transaction data associated with the transaction to a database stored in the memory in response to receiving the second public encryption key and the transaction data associated with the transaction via the first NFC connection, wherein, when appending the second public encryption key and the transaction data associated with the transaction to the memory, the integrated circuit is configured to:

store, based on receiving the second public encryption key from the user device, the second public encryption key and the transaction data associated with the transaction in the transaction data region of the memory; and

transmit the second public encryption key and the transaction data associated with the transaction to the merchant device via a second NFC connection, wherein the second NFC connection is between the merchant device and the NFC transponder.

4. The transponder device of claim 3 , wherein the integrated circuit is further configured to:

receive a payment token associated with a payment account for the user associated with the user device.

5. A computer program product, comprising at least one non-transitory computer-readable medium including one or more instructions that, when executed by an integrated circuit of a near field communication (NFC) transponder, cause the integrated circuit to:

store a first public encryption key of a merchant device associated with a merchant for use as a unique device identifier of the merchant device in a memory of the integrated circuit, wherein the NFC transponder comprises an antenna, wherein the integrated circuit is powered by an electromagnetic field generated by a user device associated with a user or the merchant device associated with the merchant, wherein the integrated circuit is configured to read from, write to, and/or delete data from the memory based on communicating via an NFC connection, wherein the memory comprises a first predefined region comprising a secure region, a second predefined region comprising a merchant data region, and a third predefined region comprising a transaction data region, wherein the first public encryption key is stored in the secure region, wherein merchant data associated with the merchant is stored in the merchant data region, and wherein the integrated circuit is configured to:

limit communication of data to and/or from the secure region of the memory to the merchant device, wherein the one or more instructions that cause the integrated circuit to limit communication of data to and/or from the secure region of the memory to the merchant device, cause the integrated circuit to:

prevent data from being read from or written to the secure region of the memory based on communication with a device that is not associated with the merchant;

limit communication of data from the merchant data region of the memory to the user device, wherein the one or more instructions that cause the integrated circuit to limit communication of data from the merchant data region of the memory to the user device, cause the integrated circuit to:

permit the user device to read data from the merchant data region, preventing the user device from writing data to the merchant data region, and allowing the merchant device to write data to the merchant data region; and

limit communication of data to the transaction data region of the memory to the merchant device, wherein the one or more instructions that cause the integrated circuit to limit communication of data to the transaction data region of the memory to the merchant device, cause the integrated circuit to:

permit the merchant device to read data from the merchant data region, preventing the merchant device from writing data to the transaction data region, and allowing the user device to write data to the transaction data region;

retrieve the first public encryption key from the secure region of the memory;

retrieve the merchant data associated with the merchant from the merchant data region of the memory;

transmit the first public encryption key of the merchant device and the merchant data to the user device via the antenna of the NFC transponder and a first NFC connection, wherein the first NFC connection is between the user device and the NFC transponder;

receive, from the user device, a second public encryption key of the user device for use as a unique device identifier of the user device and transaction data associated with a transaction between the merchant and the user via the antenna of the NFC transponder and the first NFC connection, wherein the transaction data associated with the transaction between the merchant and the user comprises the first public encryption key of the merchant device and the merchant data;

append the second public encryption key and the transaction data associated with the transaction to a database stored in the memory in response to receiving the second public encryption key and the transaction data associated with the transaction via the first NFC connection, wherein, when appending the second public encryption key and the transaction data associated with the transaction, the instructions cause the integrated circuit to:

store, based on receiving the second public encryption key from the user device, the second public encryption key and the transaction data associated with the transaction in the transaction data region of the memory; and

transmit the second public encryption key and the transaction data associated with the transaction to the merchant device via a second NFC connection, wherein the second NFC connection is between the merchant device and the NFC transponder.

6. The computer program product of claim 5 , wherein the one or more instructions further cause the integrated circuit to subdivide the memory into the first predefined region and the second predefined region.

7. The method of claim 1 , further comprising:

retrieving, with the integrated circuit, transaction data associated with a particular transaction from the transaction data region of the memory based on receiving a read request;

transmitting, with the integrated circuit, the transaction data associated with the particular transaction to user device; and

deleting, with the integrated circuit, the transaction data associated with the particular transaction from the transaction data region of the memory based on transmitting the transaction data associated with the particular transaction.

8. The transponder device of claim 3 , wherein the integrated circuit is further configured to:

retrieve transaction data associated with a particular transaction from the transaction data region of the memory based on receiving a read request;

transmit the transaction data associated with the particular transaction to user device; and

delete the transaction data associated with the particular transaction from the transaction data region of the memory based on transmitting the transaction data associated with the particular transaction.

9. The computer program product of claim 5 , wherein the one or more instructions further cause the integrated circuit:

retrieve transaction data associated with a particular transaction from the transaction data region of the memory based on receiving a read request;

transmit the transaction data associated with the particular transaction to user device; and

delete the transaction data associated with the particular transaction from the transaction data region of the memory based on transmitting the transaction data associated with the particular transaction.

Assignments (1)

Continuity (2)

References Cited (32)