Simulated contactless payment cards providing multiple temporary profiles and corresponding credentials

US11556918B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Patrick Mestré · Sart-Bernard, BE
• Florent Hay · Laeken - Laken, BE

Key dates

• Filing date: Sep 18, 2020
• Grant date: Jan 17, 2023
• Expiry date: Dec 29, 2040

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A bridge service is provided to support multi-user simulated contactless cards that in response to receiving a request to provision a secure element with payment card profile information of a user, provisions a token representing the payment card profile, converts the token representing the payment card profile into a format for the payment application; and provides the payment card profile to the payment application, the payment card profile comprising a single use key. The bridge service enables simulated contactless cards to store payment card information for a user on volatile memory instead of the persistent, secure element memory.