KR-20260065877-A - Allocation of short-range wireless communication applets

Abstract

A method, system, and computer program product for using contactless cards and mobile applications to select and use payment methods for transactions. An identifier associated with a transaction is received. The transaction is executed using at least one computing device. One or more virtual identifiers are generated using the received identifier. At least one virtual identifier is selected and assigned to the transaction. The execution of the transaction is triggered by the computing device using the assigned virtual identifier.

Inventors

• 퍼거슨, 덱스터

Assignees

• 캐피탈 원 서비시즈, 엘엘씨

Dates

Publication Date

20260511

Application Date

20240827

Priority Date

20230907

Claims (20)

1. In terms of computer implementation methods, An operation of receiving an identifier associated with a transaction using at least one processor—the transaction is executed using at least one computing device communicationly coupled to at least one processor—; The operation of generating one or more virtual identifiers using the received identifier using the at least one processor; Using the above at least one processor, the operation of selecting at least one virtual identifier among the above one or more virtual identifiers and assigning the selected at least one virtual identifier to the transaction; and Operation of triggering the execution of the transaction by the at least one computing device using the at least one processor and using the at least one assigned virtual identifier. including Computer implementation method.
2. In paragraph 1, The above receiving operation is The operation of receiving the identifier from a contactless card communicationly coupled to the at least one processor using the at least one processor—the contactless card stores the identifier. including Computer implementation method.
3. In paragraph 2, The above receiving operation is An operation to execute a near-field communication (NFC) exchange between the contactless card and the at least one processor—the contactless card is located within a predetermined distance of the at least one processor and is detected by the at least one processor. including Computer implementation method.
4. In paragraph 3, The operation of executing the above NFC exchange is An action that triggers the at least one processor to generate at least one user interface—the at least one user interface receives an input that triggers the selected action— including Computer implementation method.
5. In paragraph 4, The received identifier above includes a contactless card number. Computer implementation method.
6. In paragraph 5, The above contactless card number is associated with one or more financial accounts, and The above-mentioned generated at least one user interface displays each financial account within the one or more financial accounts in response to executing the NFC exchange. Computer implementation method.
7. In paragraph 6, The one or more virtual identifiers generated above correspond to the one or more financial accounts. Computer implementation method.
8. In paragraph 2, The above contactless card includes at least one of a credit card, a debit card, an electronic gift certificate, a prepaid credit card, a prepaid debit card, and any combination thereof. Computer implementation method.
9. In the system, Includes mobile devices, The mobile device above At least one processor; and It comprises at least one non-transient storage medium for storing instructions—the instructions, when executed by the at least one processor, cause the at least one processor to perform operations—, The above operations are The operation of generating one or more virtual identifiers using one or more identifiers associated with a transaction—wherein the transaction is executed using at least one computing device telecommunicationally coupled to the mobile device, and the one or more identifiers are received from a contactless card telecommunicationally coupled to the mobile device—; and An operation to trigger the execution of the transaction by the at least one computing device using at least one virtual identifier among the one or more virtual identifiers mentioned above. including System.
10. In Paragraph 9, The above at least one virtual identifier is selected from the above one or more virtual identifiers and assigned to the transaction System.
11. In Paragraph 9, The above contactless card stores one or more of the above identifiers. System.
12. In Paragraph 9, Near Field Communication (NFC) exchange is executed between the contactless card and the mobile device - the contactless card is detected by the mobile device as being located within a predetermined distance of the mobile device - System.
13. In Paragraph 12, The execution of the above NFC exchange triggers the mobile device to generate at least one user interface, and The above at least one user interface receives an input that triggers the selection of the at least one virtual identifier from the one or more virtual identifiers. System.
14. In Paragraph 13, The above one or more identifiers include a contactless card number. System.
15. In Paragraph 14, The above contactless card number is associated with one or more financial accounts, and The above at least one user interface displays each financial account within the one or more financial accounts in response to the execution of the NFC exchange. System.
16. In paragraph 15, The above one or more virtual identifiers correspond to the above one or more financial accounts System.
17. In Paragraph 9, The above contactless card includes at least one of a credit card, a debit card, an electronic gift certificate, a prepaid credit card, a prepaid debit card, and any combination thereof. System.
18. In computer program products, It includes a non-transient machine-readable medium that stores instructions, When the above instructions are executed by at least one programmable processor, they cause the at least one programmable processor to perform operations, and The above operations are An operation to perform a short-range wireless communication exchange between a contactless card and a mobile device - said contactless card is detected by the mobile device as being located within a predetermined distance of the mobile device -; In response to the execution of the above NFC exchange, the operation of receiving one or more identifiers associated with a transaction from the contactless card—the transaction is executed using at least one computing device communicationly coupled to the mobile device—; The operation of generating one or more virtual identifiers using one or more identifiers associated with the above transaction—where the one or more virtual identifiers are associated with one or more financial accounts—and displaying the one or more financial accounts on the user interface of the mobile device; The operation of selecting at least one virtual identifier among the above one or more virtual identifiers and assigning the selected at least one virtual identifier to the transaction; and The operation of triggering the execution of the transaction by the at least one computing device using the at least one assigned virtual identifier. including Computer program products.
19. In Paragraph 18, The above one or more identifiers include a contactless card number. Computer program products.
20. In Paragraph 18, The above contactless card includes at least one of a credit card, a debit card, an electronic gift certificate, a prepaid credit card, a prepaid debit card, and any combination thereof. Computer program products.

Description

Allocation of short-range wireless communication applets This application claims priority to U.S. Patent Application No. 18/462,714 filed on September 7, 2023, the entire contents of which are incorporated herein by reference. The present disclosure generally relates to data processing, and more specifically to contactless cards, and more specifically to the use of contactless cards and mobile applications for the selection and use of payment methods for transactions. Tap-to-pay transactions have become some of the most popular ways to pay for goods and services. Tap-to-pay is based on radio-frequency identification (RFID) technology that can be embedded in credit cards, smartphones, and other mobile devices. This technology allows users to make credit card transactions by bringing their cards and/or smartphones within a specific distance of certain areas of point-of-sale terminals (or by tapping), which enables the transmission of certain data for the purpose of payment. However, existing systems do not allow for the display and selection of payment methods for transactions. The attached drawings, incorporated into and forming part of this specification, illustrate certain aspects of the technical concept disclosed herein and, together with the description, help to explain some of the principles associated with the disclosed embodiments. In the drawings, FIG. 1 illustrates an exemplary system for executing a transaction according to some implementations of the present technical concept. FIG. 2 illustrates an exemplary operation of an account selection engine of a mobile device shown in FIG. 1, according to some implementations of the technical concept. FIG. 3 illustrates a sequence diagram representing an exemplary process for executing a transaction according to some implementations of the present technical concept. FIG. 4 illustrates an example of a graphic applet or graphic user interface that can be displayed on a mobile device shown in FIG. 1, according to some implementations of the technical concept of the present invention. FIG. 5 illustrates an exemplary process for executing a transaction according to some implementations of the present technical concept. FIG. 6 illustrates another exemplary process for executing a transaction according to some implementations of the technical concept. FIG. 7 illustrates another exemplary process for executing a transaction according to some implementations of the technical concept. FIG. 8 illustrates one aspect of the technical concept according to some implementations. FIG. 9 illustrates one aspect of the technical concept according to some implementations. FIG. 10 illustrates a contactless card according to some implementations of the present technical concept. FIG. 11 illustrates a transaction card component according to some implementations of the present technical concept. FIG. 12 illustrates a sequence flow according to some implementations of the present technical concept. FIG. 13 illustrates a data structure according to some implementations of the present technical concept. FIG. 14 is a diagram of a key system according to some implementations of the technical concept. FIG. 15 is a flowchart of a method for generating a cryptogram according to some implementations of the technical concept of the present invention. FIG. 16 illustrates one aspect of a technical concept according to some implementations; and FIG. 17 illustrates one aspect of the technical concept according to some implementations. To address these and other potential defects of currently available solutions, one or more embodiments of the present technical concept relate to methods, systems, manufactured articles and similar items that, among other possible advantages, can provide the ability to execute transactions through the selection of specific financial accounts. In some implementations, the technical concept generally relates to the ability to use a contactless card and a mobile device to select a specific financial account to execute a transaction (e.g., at a point-of-sale terminal). For example, a user of a contactless card and/or mobile device may have and use various financial accounts at different (or the same) financial institutions (e.g., credit card companies, banks, etc.). The contactless card may be a credit card, a debit card, an electronic gift card, a prepaid credit card, a prepaid debit card, and/or any other card and/or any combination thereof. The user may use the user's financial accounts for transaction settlements (e.g., purchases, bill payments, etc.), transfers of funds and/or any other execution of financial transactions and/or any other purpose. When executing financial transactions (e.g., a purchase at a point-of-sale terminal at Retailer 1), the user may select an individual account (e.g., Credit Card 1) from the user's financial accounts for such transaction. Similarly, when executing other financial transactions (e.g., paying bills at a utility company 1),