# US 10,504,090 B2 · Mobile device contactless payments

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- Number: US 10,504,090 B2
- Document ID: US10504090B2
- Status: Granted
- Kind: B2
- Application number: 14/960,108
- Filed: 2015-12-04
- Published: 2016-06-09
- Granted: 2019-12-10
- Earliest claimed: 2014-12-05
- Assignees: First Data Corporation
- Applicants: First Data Corporation
- Inventors: Vijay K. Royyuru; Robert P. Klotz; Christopher T. Cox; Kelly B. Urban; Sridher Swaminathan
- Web page: https://patentgrep.com/patent/US10504090B2

## CPC

- G06Q 20/202: {Interconnection or interaction of plural electronic cash registers [ECR] or to host computer, e.g. network details, transfer of information from host to ECR or from ECR to ECR}
- G06Q 20/20: Point-of-sale [POS] network systems
- G06Q 20/3226: {Use of secure elements separate from M-devices}
- G06Q 20/326: {Payment applications installed on the mobile devices}
- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06Q 20/352: {Contactless payments by cards}
- G06Q 20/3572: {Multiple accounts on card}
- G06Q 20/3574: {Multiple applications on card}
- G06Q 20/405: {Establishing or using transaction specific rules}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR

## Abstract

Devices and systems for performing contactless payments. The devices are configured such that account issuers have increased flexibility, and such that the systems and methods are extensible to encompass new technologies.

## Claims

### Claim 1

A payment device, comprising:
a processor;
an interface for transmitting data electronically; and
memory holding payment data, a randomly generated limited device key, and processor instructions that when executed by the processor cause the payment device to:
transmit the payment data to a reader during the conduct of a transaction at a point of sale, wherein at least some of the payment data is encrypted using the randomly generated limited device key;
compare a limitation of the limited device key with a criterion; and
when the criterion is met, request a new randomly generated limited device key from an external source;
wherein the memory holds two different valid limited device keys, and the instructions, when executed by the processor, further cause the payment device to transmit a sequence value with the payment data, the sequence value being usable by an external system to identify which of the two limited device keys is being used by the payment device in the transaction.

### Claim 2 (depends on 1)

The payment device of claim 1, wherein the limited device key is valid for only a limited time, and the criterion includes a threshold time after which the payment device can request a new randomly generated limited device key.

### Claim 3 (depends on 1)

The payment device of claim 1, wherein the limited device key is valid for only a limited number of transactions, and the criterion is a threshold number of transactions after which the payment device can request a new randomly generated limited device key.

### Claim 4 (depends on 1)

The payment device of claim 1, wherein the limited device key is valid for only a limited time and for a limited number of transactions, and the criterion includes a threshold time after which the payment device can request a new randomly generated limited device key and also includes a threshold number of transactions after which the payment device can request a new randomly generated limited device key.

### Claim 5 (depends on 1)

The payment device of claim 1, wherein the instructions, when executed by the processor, further cause the payment device to include the randomly generated limited device key in the payment data.

### Claim 6 (depends on 1)

The payment device of claim 1, wherein the interface is near field communications (NFC) wireless communications interface.

### Claim 7 (depends on 1)

The payment device of claim 1, wherein the interface is a near field communications peer-to-peer (NFCP2P) wireless communications interface.

### Claim 8 (depends on 1)

The payment device of claim 1, wherein the payment device comprises and electronic display, and the interface includes a capability for displaying a QR code on the electronic display.

### Claim 9 (depends on 1)

The payment device of claim 1, wherein the instructions, when executed by the processor, further cause the payment device to perform host card emulation.