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US 10,504,090 B2Granted
Mobile device contactless payments
AssigneeFirst Data Corporation
InventorsVijay K. Royyuru, Robert P. Klotz, Christopher T. Cox, Kelly B. Urban, Sridher Swaminathan
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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.
Claims9
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.
6 more elements
Dependencies are inferred from the claim text.