US-12620268-B2 - Systems and methods for contactless entries and payments using mobile wallets and ultra-wide band communications

Abstract

In one embodiment, a method includes sending, via an ultra-wide band (UWB) communication protocol from a first application associated with a first UWB-enabled device to a second application associated with a second UWB-enabled device, (1) location information indicating a location of the first UWB-enabled device with respect to the second UWB-enabled device and (2) balance information indicating an available monetary balance on the first UWB-enabled device. The second application associated with the second UWB-enabled device may use the location and balance information to perform an action with respect to the second UWB-enabled device. A payment cryptogram may be generated based on event information relating to the action performed with respect to the second UWB-enabled device and unique device characteristics associated with the first UWB-enabled device. The payment cryptogram may be used for securely authorizing a payment transaction relating to the action performed with respect to the second UWB-enabled device.

Inventors

• Erick Wong
• Alexi Georgiev Jordanov

Assignees

• SAMSUNG ELECTRONICS COMPANY, LTD.

Dates

Publication Date

20260505

Application Date

20230413

Claims (20)

1. 1 . A method comprising: detecting, via an ultra-wide band (UWB) communication protocol executing on a first UWB-enabled device, one or more UWB anchors associated with a second UWB-enabled device as the first UWB-enabled device approaches the second UWB-enabled device, wherein the UWB communication protocol enables the first UWB-enabled device to communicate with the one or more UWB anchors associated with the second UWB-enabled device via UWB signals; determining, by the first UWB-enabled device based on the UWB signals exchanged between the first UWB-enabled device and the one or more UWB anchors associated with the second UWB-enabled device, spatial and directional information indicating a location and a direction of the first UWB-enabled device with respect to the second UWB-enabled device, respectively; sending, via the ultra-wide band (UWB) communication protocol from a first application associated with the first UWB-enabled device to a second application associated with the second UWB-enabled device, (1) the spatial and directional information indicating the location and the direction of the first UWB-enabled device with respect to the second UWB-enabled device and (2) balance information indicating an available monetary balance on the first UWB-enabled device, wherein the second application associated with the second UWB-enabled device uses the spatial and directional information and the balance information to automatically perform a contactless action with respect to the second UWB-enabled device; receiving, by the first application associated with the first UWB-enabled device from the second application associated with the second UWB-enabled device, event information relating to the contactless action performed with respect to the second UWB-enabled device; determining, by the first application associated with the first UWB-enabled device, unique device characteristics associated with the first UWB-enabled device; generating, by the first application associated with the first UWB-enabled device in cooperation with an electronic wallet stored on the first UWB-enabled device, a payment cryptogram based on the event information and the unique device characteristics, wherein the payment cryptogram is used for securely authorizing a payment transaction relating to the contactless action performed with respect to the second UWB-enabled device; and sending, by the first application associated with the first UWB-enabled device, a payment authorization request comprising the payment cryptogram to a payment platform associated with the second UWB-enabled device for authorizing the payment transaction.
2. 2 . The method of claim 1 , wherein: the first UWB-enabled device is a mobile electronic device; and the second UWB-enabled device is a fare gate located at a transit station or terminal, wherein the one or more UWB anchors are installed on the fare gate that enables the fare gate to be the second UWB-enabled device.
3. 3 . The method of claim 2 , wherein the contactless action performed with respect to the second UWB-enabled device comprises automatically opening the fare gate for a user associated with the first UWB-enabled device to pass through without requiring an explicit input from the user.
4. 4 . The method of claim 2 , wherein the event information comprises one or more of: a station identifier identifying the transit station at which the fare gate is located; a fare gate identifier identifying the fare gate at which the contactless action is performed; or a time stamp indicating a time at which the contactless action is performed.
5. 5 . The method of claim 2 , wherein the unique device characteristics comprises one or more of: a unique device name associated with the mobile electronic device; a unique serial number or identifier associated with the mobile electronic device; or an international mobile equipment identity (IMEI) number associated with the mobile electronic device.
6. 6 . The method of claim 1 , further comprising: receiving, by the first application associated with the first UWB-enabled device from the payment platform associated with the second UWB-enabled device, a payment authorization response, wherein the payment authorization response comprises an indication of whether the payment transaction is approved or declined; and sending, by the first application associated with the first UWB-enabled device to the second application associated with the second UWB-enabled device, the payment authorization response, wherein the second application modifies the contactless action with respect to the second UWB-enabled device based on the payment authorization response.
7. 7 . The method of claim 1 , further comprising: generating, by the first application associated with the first UWB-enabled device, a payment authorization message based on the event information and the unique device characteristics; wherein the payment authorization request further comprises the payment authorization message.
8. 8 . The method of claim 1 , wherein generating the payment cryptogram comprises: concatenating the event information and the unique device characteristics; applying a hash function to the concatenated result; and encrypting the hashed concatenated result using a unique cryptographic or payment key provided by a payment network for a payment mechanism with which the payment transaction is made, wherein authorizing the payment transaction comprises verifying the encrypted cryptogram using the unique payment key provided by the payment network.
9. 9 . A first ultra-wide band (UWB) enabled device comprising: one or more non-transitory computer-readable storage media including instructions; and one or more processors coupled to the storage media, the one or more processors configured to execute the instructions to: detect, via an ultra-wide band (UWB) communication protocol executing on the first UWB-enabled device, one or more UWB anchors associated with a second UWB-enabled device as the first UWB-enabled device approaches the second UWB-enabled device, wherein the UWB communication protocol enables the first UWB-enabled device to communicate with the one or more UWB anchors associated with the second UWB-enabled device via UWB signals; determine, by the first UWB-enabled device based on the UWB signals exchanged between the first UWB-enabled device and the one or more UWB anchors associated with the second UWB-enabled device, spatial and directional information indicating a location and a direction of the first UWB-enabled device with respect to the second UWB-enabled device, respectively; send, via the UWB communication protocol from the first UWB-enabled device to the second UWB-enabled device, (1) the spatial and directional information indicating the location and the direction of the first UWB-enabled device with respect to the second UWB-enabled device and (2) balance information indicating an available monetary balance on the first UWB-enabled device, wherein the spatial and directional information and the balance information are used to perform a contactless action for the first UWB-enabled device with respect to the second UWB-enabled device; receive, by the first UWB-enabled device from the second UWB-enabled device, event information relating to the contactless action performed with respect to the second UWB-enabled device; determine, by the first UWB-enabled device, unique device characteristics associated with the first UWB-enabled device; generate, by the first UWB-enabled device in cooperation with an electronic wallet stored on the first UWB-enabled device, a payment cryptogram based on the event information and the unique device characteristics, wherein the payment cryptogram is used for securely authorizing a payment transaction relating to the contactless action performed with respect to the second UWB-enabled device; and send, by the first UWB-enabled device, a payment authorization request comprising the payment cryptogram to a payment platform associated with the second UWB-enabled device for authorizing the payment transaction.
10. 10 . The first UWB-enabled device of claim 9 , wherein: the first UWB-enabled device is a mobile electronic device.
11. 11 . The first UWB-enabled device of claim 9 , wherein the contactless action comprises automatically opening a fare gate for a user associated with the first UWB-enabled device to pass through without requiring an explicit input from the user.
12. 12 . The first UWB-enabled device of claim 10 , wherein the event information comprises at least a time stamp indicating a time at which the contactless action is performed.
13. 13 . The first UWB-enabled device of claim 10 , wherein the unique device characteristics comprises one or more of: a unique device name associated with the mobile electronic device; a unique serial number or identifier associated with the mobile electronic device; or an international mobile equipment identity (IMEI) number associated with the mobile electronic device.
14. 14 . The first UWB-enabled device of claim 9 , wherein the one or more processors are configured to execute the instructions to: receive, by the first UWB-enabled device from the payment platform associated with the second UWB-enabled device, a payment authorization response, wherein the payment authorization response comprises an indication of whether the payment transaction is approved or declined; and send, by the first UWB-enabled device to the second UWB-enabled device, the payment authorization response, wherein the contactless action is modified based on the payment authorization response.
15. 15 . A non-transitory computer-readable medium comprising instructions that, when executed by one or more processors of a first ultra-wide band (UWB) enabled device, cause the one or more processors to: detect, via an ultra-wide band (UWB) communication protocol executing on the first UWB-enabled device, one or more UWB anchors associated with a second UWB-enabled device as the first UWB-enabled device approaches the second UWB-enabled device, wherein the UWB communication protocol enables the first UWB-enabled device to communicate with the one or more UWB anchors associated with the second UWB-enabled device via UWB signals; determine, by the first UWB-enabled device based on the UWB signals exchanged between the first UWB-enabled device and the one or more UWB anchors associated with the second UWB-enabled device, spatial and directional information indicating a location and a direction of the first UWB-enabled device with respect to the second UWB-enabled device, respectively; send, via the UWB communication protocol from the first UWB-enabled device to the second UWB-enabled device, (1) the spatial and directional information indicating the location and the direction of the first UWB-enabled device with respect to the second UWB-enabled device and (2) balance information indicating an available monetary balance on the first UWB-enabled device, wherein the spatial and directional information and the balance information are used to perform a contactless action for the first UWB-enabled device with respect to the second UWB-enabled device; receive, by the first UWB-enabled device from the second UWB-enabled device, event information relating to the contactless action performed with respect to the second UWB-enabled device; determine, by the first UWB-enabled device, unique device characteristics associated with the first UWB-enabled device; generate, by the first UWB-enabled device in cooperation with an electronic wallet stored on the first UWB-enabled device, a payment cryptogram based on the event information and the unique device characteristics, wherein the payment cryptogram is used for securely authorizing a payment transaction relating to the contactless action performed with respect to the second UWB-enabled device; and send, by the first UWB-enabled device, a payment authorization request comprising the payment cryptogram to a payment platform associated with the second UWB-enabled device for authorizing the payment transaction.
16. 16 . The non-transitory computer-readable medium of claim 15 , wherein: the first UWB-enabled device is a mobile electronic device.
17. 17 . The non-transitory computer-readable medium of claim 15 , wherein the contactless action comprises automatically opening a fare gate for a user associated with the first UWB-enabled device to pass through without requiring an explicit input from the user.
18. 18 . The non-transitory computer-readable medium of claim 16 , wherein the event information comprises at least a time stamp indicating a time at which the contactless action is performed.
19. 19 . The non-transitory computer-readable medium of claim 16 , wherein the unique device characteristics comprises one or more of: a unique device name associated with the mobile electronic device; a unique serial number or identifier associated with the mobile electronic device; or an international mobile equipment identity (IMEI) number associated with the mobile electronic device.
20. 20 . The non-transitory computer-readable medium of claim 15 , wherein the instructions that, when executed by the one or more processors of the first UWB-enabled device, cause the one or more processors to: receive, by the first UWB-enabled device from the payment platform associated with the second UWB-enabled device, a payment authorization response, wherein the payment authorization response comprises an indication of whether the payment transaction is approved or declined; and send, by the first UWB-enabled device to the second UWB-enabled device, the payment authorization response, wherein the contactless action is modified based on the payment authorization response.

Description

TECHNICAL FIELD This disclosure relates generally to database and file management within network environments, and in particular relates to enabling handsfree or contactless payments and user entries through fare gates at transit stations using mobile wallets and ultra-wideband communications. BACKGROUND Generally, when people travel from one place to another through various public transit mediums or mode of communication (e.g., subways, flights, trains, cars, ferries, etc.), they have to pass through some sort of payment mechanism to pay for their transit fares. As an example and not by way of limitation, when a rider is taking a train, they have to pass through a transit terminal, such as a fare gate. When passing through the fare gate, the rider has to pay for the fare in order to use a public transit medium, such as the train. Conventional or existing payment methods for paying for the fare in such a scenario generally require riders to purchase tickets in advance or purchasing the tickets in real-time from an attendant, require attendants to be physically present at transit terminals or fare gates, require riders to purchase transit passes and reload these passes at period time intervals with amounts sufficient to suffice for the transit fares, require riders to tap payment cards and/or transit passes at card readers located at the transit stations or terminals, require riders to tap or scan their mobile devices storing payment cards at the card readers in order to access fare gates, etc. All these conventional or existing payment methods adds to an inefficient and burdensome transit experience for the riders. As such, there is a need for an improved solution or technique for riders or consumers to pay for transit fares and access the transit terminals that is more natural, less cumbersome, easy to use, reduces bottlenecks, and improves overall experience and safety of the consumers at transit stations, terminals, and/or fare gates. BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 illustrates a high-level overview of components associated with an improved transit fare gate ecosystem discussed herein. FIG. 2 illustrates an example diagram depicting various components associated with mobile electronic devices discussed herein. FIG. 3 illustrates an example environment associated with a fare gate entry using ultra-wide band (UWB) technology. FIG. 4 illustrates an example environment associated with a payment transaction and authorization process upon a fare gate entry using the UWB technology discussed herein. FIG. 5 illustrates an example environment associated with a payment cryptogram generation process. FIG. 6 illustrates an example sequence diagram depicting example interactions between various components of an improved transit fare gate ecosystem discussed herein during a user's entry through a fare gate. FIG. 7 illustrates an example sequence diagram depicting example interactions between various components of an improved transit fare gate ecosystem discussed herein when a payment transaction and authorization process is initiated. FIG. 8 illustrates a flow diagram of an example method for performing an action with respect to a UWB-enabled device and generating a payment cryptogram for authorizing a payment transaction relating to the action, in accordance with the presently disclosed embodiments. FIG. 9 illustrates an example computer system. DESCRIPTION OF EXAMPLE EMBODIMENTS Generally, when people travel from one place to another through various public transit mediums or mode of communication (e.g., subways, flights, trains, cars, ferries, etc.), they have to pass through some sort of payment mechanism to pay for their transit fares. As an example and not by way of limitation, when a person is taking a subway, train, or a metro, they have to pass through a transit terminal, such as a fare gate. When passing through the fare gate, the person has to pay for the fare in order to use a public transit medium, such as a train. Conventional or existing payment methods for paying for the fare in such a scenario include manual methods, closed loop systems, and open loop systems. Each of these payment methods, however, have certain limitations as discussed below. Manual methods for making payments when passing through fare gates may include paper tickets and fare tokens. However, paper tickets and fare tokens have issues of durability and performance at fare gates, as well as the requirement for a user to periodically purchase tickets or tokens from an attendant. In this scenario, a monthly pass is generally required, and the attendant is required to visually inspect the pass to the allow entry of the user. Closed loop systems typically involve the use of a transit agency issuing magnetic strip paper or plastic cards or radio frequency (RF) technology cards that could store value as well as monthly passes. While these advancements, particularly the RF technology cards, made the transit fare gate access simpler an