IP Library › Granted Patent US 12,749,066
Granted Patent B2
US 12,749,066 · App. 19/064,177 · Granted Sep 29, 2026

Multiplexing-based validation via a proxy card at a terminal device

Inventor: Rahul Mutha (Norwood, MA)
G06Q20/341G06Q20/20
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Quick Facts
Patent No.
US 12,749,066
App. No.
19/064,177
Granted
Sep 29, 2026
Kind
B2
Abstract

Automated testing and validation of integrated circuit cards for point of sale transactions is provided. A microcontroller can receive, via an automation script executed by a point of sale device, an instruction to select a slot in a card stack. The microcontroller can activate, responsive to the instruction, the slot to establish an electrical connection between an integrated circuit card in the slot and a proxy card in a terminal device. The microcontroller can receive, subsequent to initiation of a synthetic transaction, an indication that the synthetic transaction is complete. The microcontroller can deactivate, subsequent to receipt of the indication that the synthetic transaction is complete, the slot to terminate the electrical connection between the integrated circuit card in the slot and the proxy card to cause the terminal device to detect a card removal event without physical removal of the proxy card.

Claims (69)

1 . A system, comprising:

one or more processors coupled with memory to:

identify, from one or more slots corresponding to one or more integrated circuit cards, a slot corresponding to an integrated circuit card of the one or more integrated circuit cards;

validate the slot using a proxy card in communication with one or more devices;

determine, via a circuit of the proxy card, that the integrated circuit card is coupled with the one or more devices;

initiate, via an automation script, a synthetic transaction to be executed using data of the integrated circuit card;

execute, responsive to the determination and via the one or more devices, the synthetic transaction in accordance with the automation script using the data of the integrated circuit card; and

determine, responsive to the execution of the synthetic transaction, a validation status of the integrated circuit card.

2 . The system of claim 1 , wherein the validation status is indicative that the integrated circuit card is valid and wherein the one or more devices include a terminal device in communication with the proxy card and a point of sale device to execute the synthetic transaction.

3 . The system of claim 1 , the one or more processors to:

receive, via a terminal device of the one or more devices, a signal of the circuit of the proxy card; and

determine, in response to the signal, that the integrated circuit card is in communication with the terminal device via a communication that is within a signal communication range of the terminal device, while the integrated circuit card is located outside of the signal communication range of the terminal device.

4 . The system of claim 1 , the one or more processors to:

establish communication between a terminal device of the one or more devices and the proxy card;

determine, responsive to the communication, that the integrated circuit card is coupled with the terminal device to execute a transaction at the terminal device; and

execute, responsive to the determination that the integrated circuit card is coupled with the terminal device, the synthetic transaction instead of the transaction.

5 . The system of claim 1 , the one or more processors to:

establish a communication session between a point of sale device of the one or more devices and a terminal device of the one or more devices;

transmit, to the terminal device, a request to scan a quick response (QR) code for the synthetic transaction; and

receive, from the terminal device, a confirmation of the execution of the synthetic transaction using the QR code.

6 . The system of claim 1 , the one or more processors to:

activate the slot to allow for a function of the integrated circuit card to communicate a stored file comprising the data for the synthetic transaction;

complete the execution of the synthetic transaction according to the data from the stored file; and

deactivate the slot upon completion of the synthetic transaction.

7 . The system of claim 1 , the one or more processors to:

identify, responsive to the determination, from the data of the integrated circuit, information of an account to use for the execution of the synthetic transaction; and

complete the execution of the synthetic transaction using the information of the account.

8 . The system of claim 1 , wherein the synthetic transaction comprises one of a purchase transaction, a return transaction, or a void transaction and the synthetic transaction is executed using at least one of a magnetic strip technology, chip technology, near-field communication technology or quick response (QR) technology.

9 . The system of claim 1 , the one or more processors to:

determine, responsive to the execution of the synthetic transaction, a performance of the synthetic transaction corresponding to at least one of a success, an error, or a partial success; and

generate, for a display, an indication of the validation of the integrated circuit card.

10 . The system of claim 1 , the one or more processors to:

determine, responsive to the validation of the integrated circuit card, via the circuit of the proxy card, that a second integrated circuit card of the one or more integrated circuit cards is coupled with a terminal device of the one or more devices;

complete, responsive to the determination that the second integrate circuit card is coupled with the terminal device and via a point of sale device of the one or more devices, a second synthetic transaction using a second data of the second integrated circuit card; and

validate, responsive to the completion of the second synthetic transaction, the second integrated circuit card.

11 . The system of claim 1 , the one or more processors to:

generate an indication for a display on a terminal device of the one or more devices, the indication indicating that the synthetic transaction is completed.

12 . A method, comprising:

identifying, by one or more processors coupled with memory, from one or more slots corresponding to one or more integrated circuit cards, a slot corresponding to an integrated circuit card of the one or more integrated circuit cards;

validating, by the one or more processors, the slot using a proxy card in communication with one or more devices;

determining, by the one or more processors via a circuit of the proxy card, that the integrated circuit card is coupled with the one or more devices;

initiating, by the one or more processors, via an automation script, a synthetic transaction to be executed using data of the integrated circuit card;

executing, by the one or more processors responsive to the determination and via the one or more devices, the synthetic transaction in accordance with the automation script using the data of the integrated circuit card; and

determining, by the one or more processors responsive to the execution of the synthetic transaction, a validation status of the integrated circuit card.

13 . The method of claim 12 , wherein the validation status is indicative that the integrated circuit card is valid and wherein the one or more devices include a terminal device in communication with the proxy card and a point of sale device to execute the synthetic transaction.

14 . The method of claim 12 , comprising:

receiving, by the one or more processors via a terminal device of the one or more devices, a signal of the circuit of the proxy card; and

determining, by the one or more processors in response to the signal, that the integrated circuit card is in communication with the terminal device via a communication that is within a signal communication range of the terminal device, while the integrated circuit card is located outside of the signal communication range of the terminal device.

15 . The method of claim 12 , comprising:

establishing, by the one or more processors, communication between a terminal device of the one or more devices and the proxy card;

determining, by the one or more processors responsive to the communication, that the integrated circuit card is coupled with the terminal device to execute a transaction at the terminal device; and

executing, by the one or more processors responsive to the determination that the integrated circuit card is coupled with the terminal device, the synthetic transaction instead of the transaction.

16 . The method of claim 12 , comprising:

establishing, by the one or more processors, a communication session between a point of sale device of the one or more devices and a terminal device of the one or more devices;

transmitting, by the one or more processors to the terminal device, a request to scan a quick response (QR) code for the synthetic transaction; and

receiving, by the one or more processors from the terminal device, a confirmation of the execution of the synthetic transaction using the QR code.

17 . The method of claim 12 , comprising:

activating, by the one or more processors, the slot to allow for a function of the integrated circuit card to communicate a stored file comprising the data for the synthetic transaction;

completing, by the one or more processors, the execution of the synthetic transaction according to the data from the stored file; and

deactivating, by the one or more processors, the slot upon completion of the synthetic transaction.

18 . A non-transitory computer readable medium storing processor-executable instructions which, when executed by one or more processors, cause the one or more processors to:

identify, from one or more slots corresponding to one or more integrated circuit cards, a slot corresponding to an integrated circuit card of the one or more integrated circuit cards;

validate the slot using a proxy card in communication with a terminal device of the one or more devices;

determine, via a circuit of the proxy card, that the integrated circuit card is in communication with the terminal device;

initiate, via an automation script, a synthetic transaction to be executed using data of the integrated circuit card;

execute, responsive to the determination and via a point of sale device of the one or more devices, the synthetic transaction in accordance with the automation script using the data of the integrated circuit card; and

determine, responsive to the execution of the synthetic transaction, a validation status of the integrated circuit card.

19 . The system of claim 1 , wherein the automation script is configured to select the integrated circuit card from the one or more integrated circuit cards based on transaction data associated with the synthetic transaction, including at least one of a transaction amount, a transaction type, or an account identifier.

20 . The method of claim 12 , wherein the automation script is configured to select the integrated circuit card from the one or more integrated circuit cards based on transaction data associated with the synthetic transaction, including at least one of a transaction amount, a transaction type, or an account identifier.

Continuity (3)
Continuation 18368107 · Sep 14, 2023
Provisional Application 63462766 · Apr 28, 2023
Related Publication 20250200554A1 · Jun 19, 2025
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