Mobile Zahlungen unter Verwendung mehrerer Kryptographischer Protokolle

Details

Veröffentlichungs-Nr.

EP3702991

Aktenzeichen

EP20160142

Anmeldetag

28. Februar 2020

Veröffentlichung

13. November 2024

Erteilung

13. November 2024

Rechtsraum

EP

IPC

G06Q20/38G06Q20/40G06Q20/32

Abstract

Systems, methods, and computer readable media are provided for improving the usability of a cryptogram generated in a first cryptographic protocol such as triple-DES. The methods may generate a first cryptogram using a first identifier in a first cryptographic protocol, stored in a key store within an insecure memory of the mobile communication device, generate, within a secure memory of the mobile communication device, a second cryptogram using a second identifier in a second cryptographic protocol, stored in the secure memory, combining, the first cryptogram and a number of characters of the second cryptogram equal to the length of the first cryptogram to generate a third cryptogram and transmitting the third cryptogram to an payment processing network to validate a transaction. A transaction associated with the third cryptogram may be validated by an authorization entity or an issue entity.

Anmelder

Firma

Visa International Service Association

Land

🇺🇸 USA

Fachgebiete