Limited-use keys and cryptograms

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United States of America Patent

PATENT NO 11164176
APP PUB NO 20150178724A1
SERIAL NO

14577678

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Abstract

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Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include encrypting account information with a first encryption key to generate a second encryption key, and encrypting key index information using the second key to generate a limited-use key (LUK). The key index information may include a key index having information pertaining to generation of the LUK. The LUK and the key index can be provided to the communication device to facilitate generation of a transaction cryptogram for a transaction conducted using the communication device, and the transaction can be authorized based on the transaction cryptogram generated from the LUK.

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Patent Owner(s)

  • VISA INTERNATIONAL SERVICE ASSOCIATION

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Aabye, Christian Foster City, US 136 6093
Makhotin, Oleg Castro Valley, US 52 3694
Ngo, Hao San Jose, US 47 1324
Sheets, John San Francisco, US 41 4115

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