IP Library › Granted Patent US 12,430,636
Granted Patent B2
US 12,430,636 · App. 18/742,184 · Granted Sep 30, 2025

Systems and methods for proxy card and/or wallet redemption card transactions

Inventors: Tomas Ariel Campos (Berkeley, CA); Tushar Vaish (Milpitas, CA); Pranav Sheth (Dublin, CA)
Assignee: Blackhawk Network, Inc.
G06Q20/36G06K19/06206G06Q20/20G06Q20/351G06Q20/3674G06Q20/40G06Q20/4018
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Quick Facts
Patent No.
US 12,430,636
App. No.
18/742,184
Granted
Sep 30, 2025
Kind
B2
Abstract

Systems and methods for associating a proxy card with an electronic wallet are disclosed. A computer implemented method may include receiving an authentication information of a proxy card, and associating the proxy card with an electronic wallet, wherein associating the proxy card with the electronic wallet allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A system may include a proxy card comprising authentication information, and an electronic wallet associated with the proxy card, wherein the association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale. A wallet redemption card may comprise a rewriteable magnetic stripe, a smart chip, a wireless communicator operably connected to the smart chip, and an interface operably connected between the rewriteable magnetic stripe and the smart chip.

Claims (33)

1. A computer implemented proxy card transaction authentication method comprising:

receiving, by an electronic value token transaction computer, authentication information associated with a proxy card;

associating, by an electronic value token transaction computer, the proxy card with an electronic wallet, wherein the associated proxy card secures access to the electronic wallet, and wherein the proxy card comprises a smart chip, wherein the smart chip is configured to receive payment information from the electronic wallet, send the payment information to a rewritable magnetic stripe via an interface, and wherein the interface is configured to write the payment information including an electronic wallet-generated virtual stored value number for the proxy card to the rewritable magnetic stripe;

determining, by the electronic value token transaction computer, that the proxy card has been authenticated; and

receiving, by the electronic value token transaction computer, the electronic wallet-generated virtual stored value number for the proxy card, wherein the virtual stored value number provides access to a payment instrument in the electronic wallet.

2. The method of claim 1 , further comprising:

provisioning, by the electronic value token transaction computer, the electronic wallet with an electronic stored-value card.

3. The method of claim 1 , wherein the electronic wallet comprises an electronic stored-value card.

4. The method of claim 3 , further comprising permitting, by the electronic value token transaction computer, use of the electronic stored-value card as a payment instrument when the proxy card is presented at a point of sale.

5. The method of claim 1 , further comprising:

storing, by the electronic value token transaction computer, an association of the proxy card with the electronic wallet in a database.

6. The method of claim 1 , wherein the association of the proxy card with the electronic wallet is retrieved to verify the proxy card presented at a point of sale is associated with the electronic wallet.

7. The method of claim 1 , wherein the proxy card comprises a matrix code, a barcode, a NFC chip, or combinations thereof.

8. The method of claim 7 , wherein the authentication information is configured in response to user input and encoded on the rewritable magnetic stripe, the matrix code, the barcode, the NFC chip, or combinations thereof.

9. The method of claim 1 , further comprising accessing, by the electronic value token transaction computer, the payment instrument for payment to complete a purchase transaction.

10. The method of claim 1 , wherein payment information is written to the rewriteable magnetic stripe after the step of associating.

11. A secure proxy card transaction system comprising:

an electronic wallet; and

a proxy card comprising authentication information, wherein an association of the electronic wallet with the proxy card allows secure access to the electronic wallet when the proxy card is presented at a point of sale, wherein authentication information enables association of the proxy card with the electronic wallet, wherein the proxy card comprises a smart chip, wherein the smart chip is configured to receive payment information from the electronic wallet, send the payment information to a rewritable magnetic stripe via an interface, and wherein the interface is configured to write the payment information including an electronic wallet-generated virtual stored value number for the proxy card to the rewritable magnetic stripe.

12. The system of claim 11 , wherein the electronic wallet comprises at least one electronic stored-value card.

13. The system of claim 11 , further comprising a database, wherein an association of the proxy card with the electronic wallet is stored on the database.

14. The system of claim 12 , wherein the association of the electronic wallet with the proxy card allows use of the electronic stored-value card as the payment instrument when the proxy card is presented at the point of sale.

15. The system of claim 11 , wherein the proxy card comprises a matrix code, a barcode, a NFC chip, or combinations thereof.

16. The system of claim 15 , wherein the authentication information is encoded on the rewritable magnetic stripe, the barcode, the NFC chip, or combinations thereof.

17. The system of claim 11 , further comprising an electronic wallet-generated virtual stored value number for the proxy card, wherein the virtual stored value number enables access to a payment instrument in the electronic wallet for providing payment to complete a purchase transaction.

18. The system of claim 11 , wherein the electronic wallet associated with the proxy card has consumer specified parameters for use and restriction of the proxy card.

19. A wallet redemption card comprising:

a rewriteable magnetic stripe;

a smart chip;

a matrix code, a barcode, a NFC chip, or combinations thereof;

a wireless communicator operably connected to the smart chip; and

an interface operably connected between the rewriteable magnetic stripe and the smart chip;

wherein the smart chip is configured to receive payment information via the wireless communicator, wherein the smart chip comprises a memory, wherein the smart chip is configured to write the payment information to the memory, wherein the smart chip is configured to read the written payment information from the memory, wherein the smart chip is configured to erase the payment information from the memory, wherein the smart chip is configured to send the payment information to the rewriteable magnetic stripe via the interface, wherein the interface is configured to write the payment information to the rewriteable magnetic stripe.

Assignments (2)
FIRST LIEN PATENT SECURITY AGREEMENT Recorded Mar 10, 2026
From: BLACKHAWK NETWORK, INC.
To: BANK OF AMERICA, N.A., AS COLLATERAL AGENT
Reel/Frame 075070/0347 →
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Jun 21, 2024
From: SHETH, PRANAV; VAISH, TUSHAR; CAMPOS, TOMAS ARIEL
To: BLACKHAWK NETWORK, INC.
Reel/Frame 067794/0812 →
Continuity (21)
Continuation 17985407 · Nov 11, 2022
Continuation 14205065 · Mar 11, 2014
Continuation In Part 14147330 · Jan 3, 2014
Continuation In Part 13483711 · May 30, 2012
Continuation PCTUS2011049338 · Aug 26, 2011
Continuation PCTUS2011040055 · Jun 10, 2011
Continuation PCTUS2011020570 · Jan 7, 2011
Provisional Application 61799500 · Mar 15, 2013
Provisional Application 61779334 · Mar 13, 2013
Provisional Application 61776594 · Mar 11, 2013
Provisional Application 61748679 · Jan 3, 2013
Provisional Application 61496397 · Jun 13, 2011
Provisional Application 61496404 · Jun 13, 2011
Provisional Application 61491791 · May 31, 2011
Provisional Application 61491813 · May 31, 2011
Provisional Application 61377800 · Aug 27, 2010
Provisional Application 61360327 · Jun 30, 2010
Provisional Application 61354470 · Jun 14, 2010
Provisional Application 61354469 · Jun 14, 2010
Provisional Application 61293413 · Jan 8, 2010
Related Publication 20240330900A1 · Oct 3, 2024
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