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US 12,591,880 B2Granted
Terminal data encryption
AssigneeVisa U.S.A. Inc.
InventorsAyman Hammad, Patrick Faith
Life of this patent
Estimating the term…
Abstract
A method is disclosed. The method includes generating an initial key after interacting with an access device, storing the initial key at a key storage location, altering the initial key with a public key to form an altered key, and sending the altered key to a server computer along with an identifier for the access device. The altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer. The initial keys that are stored at the key storage location and in the database are used to alter and restore transaction data associated with multiple financial transactions that are conducted using the access device.
Claims20
A method comprising:
- generating, with an access device, an initial key in response to a special initialization interaction, wherein the special initialization interaction is different from a transaction associated with a purchase at least in that the special initialization interaction is initial with respect to later transactions associated with purchases;
- storing the initial key at a key storage location, the initial key being associated with an identifier of the access device;
- altering, by the access device, the initial key with a public key to form an altered key;
- and
- sending, by the access device, the altered key and the identifier of the access device to a server computer,
- wherein the altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer, and wherein the initial key stored at the key storage location and in the database is used to alter and restore transaction data associated with multiple financial transactions that are conducted using the portable consumer device and other portable consumer devices with the access device, wherein the special initialization interaction comprises an initialization interaction occurring between the portable consumer device and the access device, and another initialization interaction occurring between the access device and the server computer, and wherein the storing, the altering, and the sending occur in response to the special initialization interaction.
3 more elements
An access device comprising:
- a processor;
- and
- a non-transitory computer readable medium, the non-transitory computer readable medium comprising code, with operations that cause the processor to:
- generate an initial key in response to a special initialization interaction, wherein the special initialization interaction is different from a transaction associated with a purchase at least in that the special initialization interaction is initial with respect to later transactions associated with purchases;
- store the initial key at a key storage location, the initial key being associated with an identifier of the access device;
- alter the initial key with a public key to form an altered key;
- and
- send the altered key and the identifier of the access device to a server computer, wherein the altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer, and wherein the initial key stored at the key storage location and in the database is used to alter and restore transaction data associated with multiple financial transactions that are conducted using the portable consumer device and other portable consumer devices with the access device, wherein the special initialization interaction comprises an initialization interaction occurring between the portable consumer device and the access device, and another initialization interaction occurring between the access device and the server computer, and wherein the storing, the altering, and the sending occur in response to the special initialization interaction.
5 more elements
A non-transitory computer readable medium storing specific computer-executable instructions that, when executed by a processor, cause the processor to:
- generate an initial key in response to a special initialization interaction, wherein the special initialization interaction is different from a transaction associated with a purchase at least in that the special initialization interaction is initial with respect to later transactions associated with purchases;
- store the initial key at a key storage location, the initial key being associated with an identifier of the access device;
- alter the initial key with a public key to form an altered key;
- and
- send the altered key and the identifier of the access device to a server computer, wherein the altered key is changed to the initial key at the server computer and is stored with the identifier in a database in operative communication with the server computer, and wherein the initial key stored at the key storage location and in the database is used to alter and restore transaction data associated with multiple financial transactions that are conducted using the portable consumer device and other portable consumer devices with the access device, wherein the special initialization interaction comprises an initialization interaction occurring between the portable consumer device and the access device, and another initialization interaction occurring between the access device and the server computer, and wherein the storing, the altering, and the sending occur in response to the special initialization interaction.
2 more elements
Dependencies are inferred from the claim text.