US 11,694,199 B2 · Payment system

Abstract

Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. An ICC Master Key corresponding to the payment application is held by a trusted authority, such as the issuing bank. The trusted authority is adapted generate time-limited session keys on the basis of the ICC Master Key and distribute session keys to the payment application. Receipt of a session key by the payment application enables the payment application to conduct an EMV payment transaction. The session key is used to authorize a single EMV payment transaction.

Claims20

Dependent claims

A user device for conducting a payment transaction with a point-of-sale terminal, the payment transaction being one that is authorized as part of the payment transaction by an issuing bank, wherein the issuing bank holds data indicative of an ICC Master Key, the user device comprising a payment application, the payment application having a first operative state wherein the payment application is enabled to conduct the payment transaction, and a second operative state, different to the first operative state, and wherein the payment application is responsive to receipt of a session key, different from the ICC Master Key, generated by the issuing bank on the basis of the ICC Master Key, whereby to be configured into the first operative state and thereafter is configured to perform an authorization process, the authorization process comprising the steps of:

receiving a request for an application cryptogram;
generating the application cryptogram on the basis of the received session key;
and
transmitting the generated application cryptogram to the point-of-sale terminal for verification thereof by the issuing bank and authorization of the payment transaction.

1 more element

A user device comprising:

a processor;
and
a non-transitory computer readable medium comprising code, executable by the processor, for implementing operations including:
receiving, by the user device via a communication network, a first session key different from a Master Key from a remote entity, the first session key based on the Master Key stored at the remote entity, the user device comprising a first processing portion and a second processing portion, the first processing portion comprising a first application environment and the second processing portion comprising at least a second application environment, the second processing portion storing a payment application, and the payment application not storing the Master Key on the user device, wherein the first session key is usable for a limited number of one or more transactions;
in response to receiving the first session key, storing, by the second processing portion, the first session key;
in response to storing the first session key, provisioning, by the second processing portion, the payment application with the first session key;
receiving, by the user device via the communication network, a second session key from the remote entity, the second session key based on the Master Key stored at the remote entity, the second session key being different from the first session key and the Master Key;
storing, by the second processing portion, the second session key;
receiving, at the payment application, a request for an application cryptogram, wherein the request is from a point-of-sale terminal;
and
in response to the receiving, performing, by the payment application, an authorization process, wherein authorization process comprises:
generating, by the payment application, the application cryptogram based on the received first session key;
and
transmitting, by the payment application, the generated application cryptogram to the point-of-sale terminal.

11 more elements

Dependencies are inferred from the claim text.

Payment system

Life of this patent

Payment system

Life of this patent

Abstract

Claims20