Devices and methods for selective contactless communication
A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.
1. A method comprising:
establishing a first contactless connection between a card and a first device responsive to the card being within a first communication range of the first device;
receiving, by the card, from the first device via the first contactless connection, a request for identification data;
generating, by a first application of the card, a first encrypted message configured to respond to requests for identification data, wherein the first encrypted message is used to activate the card;
sending, by the card, to the first device via the first contactless connection, the first encrypted message;
establishing a second contactless connection between the card and a second device responsive to the card being within a second communication range of the second device;
receiving, by the card, from a second device via the second contactless connection, transaction data;
generating, by a second application of the card, a second encrypted message configured to respond to requests for transaction data, wherein the second encrypted message is used to execute a transaction; and
sending, by the card, to the second device via the second contactless connection, the second encrypted message.
2. The method of claim 1 , wherein:
the first device is a mobile device;
the second device is a point-of-sale (POS) device; and
the first contactless connection and the second contactless connection are near field communications (NFC).
3. The method of claim 1 , wherein:
the first encrypted message comprises a cryptogram;
the cryptogram is generated based on a counter and a first key;
the counter is updated when establishing the first contactless connection; and
the first key is generated based on an updated counter.
4. The method of claim 3 , wherein:
the cryptogram is encrypted using a second key and the updated counter; and
the first encrypted message further comprises the updated counter.
5. The method of claim 1 , wherein:
the request for identification data and the first encrypted message comprise data in a near field communication data exchange format (NDEF).
6. The method of claim 1 , wherein:
the request for identification data and the first encrypted message comprise data in a Europay Mastercard Visa (EMV) format.
7. The method of claim 1 , wherein:
the second encrypted message comprises a cryptogram; and
the cryptogram is generated based on at least one key and a counter.
8. The method of claim 1 , wherein:
the card is a contactless payment card; and
the transaction data and second encrypted message comprise Europay Mastercard Visa (EMV) payment data.
9. The method of claim 1 , wherein:
the card is within the first communication range at least when the card is tapped on the first device; and
the card is within the second communication range at least when the card is tapped on the second device.
10. A method comprising:
establishing a first wireless connection between a card and a first device utilizing a first data type responsive to the card being within a first communication range of the first device;
generating, by one or more applications of the card, a first encrypted message for activating the card responsive to messages of the first data type;
transmitting, by the card, the first encrypted message to the first device over the first wireless connection;
establishing a second wireless connection between the card and a second device utilizing a second data type responsive to the card being within a second communication range of the second device;
generating, by one or more applications of the card, a second encrypted message for executing a transaction responsive to messages of a second data type; and
transmitting, by the card, the second encrypted message to the second device over the second wireless connection.
11. The method of claim 10 , wherein the method further comprises:
receiving, from the first device via the first wireless connection, a request for identification data, and wherein:
the first device is a mobile device;
the first wireless connection is a near field communication (NFC); and
the first encrypted message comprises a cryptogram.
12. The method of claim 11 , wherein:
the request for identification data and the first encrypted message comprise data in a near field communication data exchange format (NDEF).
13. The method of claim 10 , wherein the method further comprises:
receiving, from the second device via the second wireless connection, transaction data, and wherein:
the second device is a point-of-sale (POS) device;
second wireless connection is a near field communication (NFC); and
the second encrypted message comprises a cryptogram.
14. The method of claim 13 , wherein:
the transaction data and second encrypted message comprise Europay Mastercard Visa (EMV) payment data.
15. A method comprising:
establishing a first communication pathway between a card and a first device in order to activate the card;
responsive to determining that first data received via the first communication pathway is of a first data type, generating, by one or more applications of the card, first encrypted data;
transmitting, by the card, the first encrypted data to the first device via the first communication pathway;
establishing a second communication pathway between the card and a second device in order to process a payment using the card;
responsive to determining that second data received via the second communication pathway is of a second data type, generating, by one or more applications of the card, second encrypted data; and
transmitting, by the card, the second encrypted data to the second device via the second communication pathway.
16. The method of claim 15 , wherein:
the first device is a mobile device; and
the first communication pathway is a direct connection with the mobile device.
17. The method of claim 15 , wherein:
the second device is a point-of-sale (POS) device;
the second communication pathway is a direct connection with the POS device; and
the second data is EuroPay-MasterCard-Visa (EMV) data.
18. The method of claim 15 , wherein:
establishing a first communication pathway with a first device requires the card to be within a first communication range of the first device; and
establishing a second communication pathway with a second device requires the card to be with a second communication range of the second device.
19. The method of claim 18 , wherein the card is within the first communication range at least when the card is tapped on the first device.
20. The method of claim 15 , wherein:
the first device is a mobile device of a payor; and
the second device is a mobile device of a payee receiving funds from the payor.