Payment card user control method using BLE communication
Summary
USPTO published patent application US20260094145A1 by THALES DIS FRANCE SAS covering a method for providing users with control over payment cards using Bluetooth Low Energy (BLE) communication between mobile devices and payment instruments. The system enables encrypted agreement indicators to be broadcast from mobile devices and automatically checked by payment instruments during transactions.
What changed
THALES DIS FRANCE SAS (Application No. 19110513, published April 2, 2026) filed a patent application for a method allowing users to control payment card transactions via mobile devices. The financial application generates an encrypted payload containing user agreement indicators, which are broadcast using BLE advertising. Payment instruments automatically scan for and retrieve these indicators to verify user consent before completing transactions.
This patent represents routine intellectual property filing activity and does not create immediate compliance obligations for any regulated entities. Companies developing mobile payment or BLE-based payment technologies may wish to review for potential overlap with existing patent claims. No action is required unless conducting prior art searches or freedom-to-operate analyses for similar payment control technologies.
Archived snapshot
Apr 3, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
METHOD FOR PROVIDING A USER WITH CONTROL OVER A PAYMENT CARD
Application US20260094145A1 Kind: A1 Apr 02, 2026
Assignee
THALES DIS FRANCE SAS
Inventors
Valentin FAVREAU, Sylvain CHAFER, Richard OUNG
Abstract
Provided is a method for providing a user with control over a payment instrument. A financial application hosted in a mobile apparatus generates an enciphered payload comprising an indicator reflecting an agreement of the user to perform a financial transaction involving the payment instrument. The financial application triggers the starting of BLE advertising by the mobile apparatus, advertising data broadcasted by the mobile apparatus comprising the enciphered payload. When engaged in the financial transaction, the payment instrument automatically checks a rule and starts scanning for BLE advertising data if the rule requires a control based on the proximate presence of the mobile apparatus. The payment instrument retrieves said indicator by deciphering the enciphered payload and contributes to the financial transaction according to the indicator. Other embodiments disclosed.
CPC Classifications
G06Q 20/327 H04W 4/80 G06Q 20/352
Filing Date
2023-08-29
Application No.
19110513
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Source
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