Embedding cloud-based functionalities in a communication device
AssigneeVisa International Service Association
InventorEduardo Lopez
Life of this patent
Estimating the term…
Abstract
Techniques for enhancing the security of a communication device may include providing an application agent and a transaction application that executes on a communication device. The application agent may receive, from the application, a cryptogram key generated by a remote computer, and store the cryptogram key on the communication device. When the application agent receives a request to conduct a transaction from the application, the application agent may generate a transaction cryptogram using the cryptogram key, and provides the transaction cryptogram to an access device.
Claims20
A server computer comprising:
- a processor;
- and
- a memory storing code, which when executed by the processor, causes the server computer to perform operations including:
- generating a first cryptogram key that is usable for generation of a transaction cryptogram to conduct a transaction;
- transmitting the first cryptogram key to an application executing in a first memory region of a communication device, wherein the application executing in a first memory region of the communication device provides the first cryptogram key to an application agent executing in a second memory region of the communication device to store the first cryptogram key in a second memory region of the communication device;
- receiving a replenishment request for a second cryptogram key from the application executing in the first memory region of the communication device, the replenishment request including transaction log information derived from a transaction log;
- determining that the transaction log information in the replenishment request matches transaction log information at the server computer;
- generating a first cryptogram key that is usable for generation of a transaction cryptogram to conduct a transaction;
- and
- transmitting the first cryptogram key to an application executing in a first memory region of the communication device.
A method comprising:
- generating, by a server computer, a first cryptogram key that is usable for generation of a transaction cryptogram to conduct a transaction;
- transmitting, by the server computer, the first cryptogram key to an application executing in a first memory region of a communication device, wherein the application executing in a first memory region of the communication device provides the first cryptogram key to an application agent executing in a second memory region of the communication device to store the first cryptogram key in a second memory region of the communication device;
- receiving, by the server computer, a replenishment request for a second cryptogram key from the application executing in the first memory region of the communication device, the replenishment request including transaction log information derived from a transaction log;
- determining, by the server computer, that the transaction log information in the replenishment request matches transaction log information at the server computer;
- generating, by the server computer, a first cryptogram key that is usable for generation of a transaction cryptogram to conduct a transaction;
- and
- transmitting, by the server computer, the first cryptogram key to an application executing in a first memory region of the communication device.
Dependencies are inferred from the claim text.