Granted Patent B2

US 12,271,891 · App. 18/097,776 · Granted Apr 8, 2025

Inventors: Patrick Mestre (Sart-Bernard, BE); Florent Hay (Laeken, BE)

Assignee: MASTERCARD INTERNATIONAL INCORPORATED

G06Q20/352G06Q20/227G06Q20/382G06Q20/385G06Q20/40145G06Q2220/00

Abstract

Claims (21)

1. A method using a system of a bridge service, wherein the bridge service supports multiple temporary payment card profiles on a contactless payment device and comprises a digital enablement service and a credentials management service, wherein the contactless payment device comprises a secure element, a multi-user simulated contactless payment card application, and a volatile memory, the method comprising:

receiving, by the system via the digital enablement service and from the contactless payment device, a first request to provision the secure element of the contactless payment device with a first payment card profile of a first user for a first payment transaction, wherein the first request comprises a first identification information of the first user initiating the first payment transaction;

obtaining, by the system via the digital enablement service, the first payment card profile of the first user based on the received first identification information;

provisioning, by the system via the digital enablement service to the credentials management service, a first token comprising information of the first payment card profile of the first user;

converting, by the system via the credentials management service, the first payment card profile from the first token into a format for the multi-user simulated contactless payment card application, wherein the converting further comprises extracting first data elements from the first payment card profile;

generating, by the system via the credentials management service, a first single use key for the payment transaction;

communicating, by the system via the credentials management service and to the contactless payment device, the converted first payment card profile comprising the first single use key, wherein the contactless payment device stores the information of the first payment card profile in the volatile memory and erases the information of the first payment card profile from the volatile memory upon completion of the first payment transaction with a payment network;

receiving, by the system via the digital enablement service and from the contactless payment device, a second request to provision the secure element of the contactless payment device with a second payment card profile of a second user for a second payment transaction, wherein the second request comprises a second identification information of the second user initiating the second payment transaction;

obtaining, by the system via the digital enablement service, the second payment card profile of the second user based on the received second identification information;

provisioning, by the system via the digital enablement service to the credentials management service, a second token comprising information of the second payment card profile of the second user;

converting, by the system via the credentials management service, the second payment card profile from the second token into the format for the multi-user simulated contactless payment card application, wherein the converting further comprises extracting second data elements from the second payment card profile;

generating, by the system via the credentials management service, a second single use key for the payment transaction; and

communicating, by the system via the credentials management service and to the contactless payment device, the converted second payment card profile comprising the second single use key, wherein the contactless payment device stores the information of the second payment card profile in the volatile memory and erases the information of the second payment card profile from the volatile memory upon completion of the second payment transaction with the payment network.

2. The method of claim 1 , further comprising authenticating, by the system, the first user before provisioning the first token.

3. The method of claim 2 , wherein the first identification information of the first user comprises a biometric of the first user.

4. The method of claim 1 , wherein receiving the first request to provision the secure element with the payment card profile information of the first user comprises:

receiving, by the system a first communication indicating the first user; and

receiving, by the system, a second communication indicating a request responding to a notification of an available payment card profile for the first user, wherein the first single use key is provided in response to the second communication.

5. The method of claim 1 , further comprising:

authenticating, by the system, the second user before provisioning the second token.

6. The method of claim 1 , wherein the first single use key is a key that can only be used for the first payment transaction.

Assignments (1)

Continuity (3)

References Cited (29)