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Cloud-based transactions with magnetic secure transmission

  • US 9,922,322 B2
  • Filed: 01/22/2016
  • Issued: 03/20/2018
  • Est. Priority Date: 12/19/2013
  • Status: Active Grant
First Claim
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1. A method for enhancing security of a communication device when conducting a transaction using the communication device, the method comprising:

  • receiving, from a remote computer, a token that is provisioned for conducting transactions;

    receiving, by the communication device, a limited-use key (LUK) that is associated with a set of one or more limited-use thresholds that limits usage of the LUK;

    requesting, by an application executing in an applications environment of the communication device, a transaction cryptogram from a trusted execution environment of the communication device;

    generating, by the trusted execution environment of the communication device, a transaction cryptogram using the LUK;

    providing the transaction cryptogram to a magnetic stripe transmission driver executing in the trusted execution environment, wherein the providing is performed by a crypto engine within the trusted execution environment communicating the transaction cryptogram to the magnetic stripe transmission driver;

    generating, by an inductive coil controlled by the magnetic stripe transmission driver, an emulated magnetic signal representing data that includes the transaction cryptogram and the token instead of a real account identifier;

    wherein the inductive coil for generating the emulated magnetic signal representing the data further provides function for wireless charging of the communication device;

    transmitting the emulated magnetic signal to a magnetic stripe reader of an access device using the inductive coil of the communication device instead of a magnetic stripe to conduct the transaction; and

    wherein the transaction is authorized based on at least whether the usage of the LUK is within the set of one or more limited-use thresholds.

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