Encryption key exchange process using access device
AssigneeVisa International Service Association
InventorsChristopher Dean, Christian Aabye
Life of this patent
Estimating the term…
Abstract
Encryption key exchange processes are disclosed. A disclosed method includes initiating communication between a portable communication device including a token and a first limited use encryption key, and an access device. After communication is initiated, the portable communication device receives a second limited use key from a remote server via the access device. The portable communication device then replaces the first limited use key with the second limited use key. The second limited use key is thereafter used to create access data such as cryptograms that can be used to conduct access transactions.
Claims20
A method comprising:
- initiating communication between a portable communication device comprising a token and a first limited use key, and a point of sale terminal, which generates authorization request message for a transaction and transmits the authorization request message to a remote server;
- receiving, by the portable communication device, from the remote server via the point of sale terminal, a second limited use key, wherein the point of sale terminal receives an authorization response message authorizing the transaction from the remote server, the authorization response message including the second limited use key, and wherein the portable communication device receives the second limited use key from the point of sale terminal when the portable communication device is in short range communication or in contact with the point of sale terminal;
- and
- replacing, by the portable communication device, the first limited use key with the second limited use key.
A portable communication device comprising:
- a processor;
- and
- a non-transitory computer readable medium, the non-transitory computer readable medium comprising code, executable by the processor to implement a method comprising:
- initiating communication between the portable communication device comprising a token and a first limited use key, and a point of sale terminal, which generates an authorization request message for a transaction and transmits the authorization request message to a remote server;
- receiving from the remote server via the point of sale terminal, a second limited use key, wherein the point of sale terminal receives an authorization response message authorizing the transaction from the remote server, the authorization response message including the second limited use key, and wherein the portable communication device receives the second limited use key from the point of sale terminal when the portable communication device is in short range communication or in contact with the point of sale terminal;
- and
- replacing the first limited use key with the second limited use key.
A method comprising:
- communicating, by an point of sale terminal, with a portable communication device comprising a token and a first limited use key;
- generating authorization request message for a transaction and transmitting the authorization request message to a remote server;
- receiving, by the point of sale terminal, a second limited use key from a remote server computer in an authorization response message authorizing the transaction from the remote server;
- and
- providing, by the point of sale terminal, to the portable communication device, the second limited use key, wherein the portable communication device is in short range communication or in contact with the point of sale terminal.
Dependencies are inferred from the claim text.