Cloud-based transactions with magnetic secure transmission

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United States of America Patent

PATENT NO 9922322
SERIAL NO

15004705

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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 using a limited-use key (LUK) to generate a transaction cryptogram, and transmitting a token instead of a real account identifier and the transaction cryptogram to an access device to conduct the transaction. The token and the transaction cryptogram can be transmitted to a magnetic stripe reader by generating an emulated magnetic signal. The LUK may be associated with a set of one or more limited-use thresholds that limits usage of the LUK, and the transaction can be authorized based on at least whether usage of the LUK has exceeded the set of one or more limited-use thresholds.

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Patent Owner(s)

Patent OwnerAddress
VISA INTERNATIONAL SERVICE ASSOCIATIONP O BOX 8999 SAN FRANCISCO CA 94128

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Aabye, Christian Foster City, US 135 6078
Flurscheim, Christian Walnut Creek, US 28 1447

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