The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
Jul. 23, 2024

Filed:

Dec. 01, 2021
Applicant:

American Express Travel Related Services Company, Inc., New York, NY (US);

Inventors:

Manik Biswas, Burgess Hill, GB;

Mukund Shankar SimhaRaghu, Glendale, AZ (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); H04W 12/04 (2021.01);
U.S. Cl.
CPC ...
G06Q 20/401 (2013.01); G06Q 20/322 (2013.01); H04W 12/04 (2013.01);
Abstract

System and methods are described for enabling a first client device to authorize a second client device to use a payment token for contactless payments, in which the payment token is authorized to be used by the second device with restrictions set by the first device. In one embodiment, a system comprises a computing device that includes a secure element. The system also includes machine-readable instructions that, when executed by the processor, cause the computing device to at least receive an indication for generating a sub-payment token and receive a selection of a key restriction for the sub-payment token. An application stored in the secure element is called to generate the sub-payment token based on the key restriction. The sub-payment token is received and comprises a sub-payment key and an application transaction counter range. The sub-payment token is sent through the wireless communication session to a second computing device.


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