Device, system and method for reducing an interaction time for a contactless transaction

Number of patents in Portfolio can not be more than 2000

United States of America Patent

PATENT NO 9613354
APP PUB NO 20160260092A1
SERIAL NO

15077784

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Methods, devices, and systems are described for sending and receiving messages between a terminal reader and a payment device, such as a credit card. A dynamic signature is calculated on the payment device from an application transaction counter, a terminal unpredictable number, and a transaction amount, and it is sent with an application file locator (AFL) to the reader. The reader then sends a read record command to the payment device to get records associated with the AFL, among other normal processing. While the normal processing is occurring for the transaction, the dynamic signature can be recalculated and compared with that from the payment device in order to assure that nothing has surreptitiously changed the values in the messages.

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Patent Owner(s)

  • VISA INTERNATIONAL SERVICE ASSOCIATION

International Classification(s)

Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Aabye, Christian Redwood City, US 135 6078
Chan, William Chi Yuen Singapore, SG 9 148
Glendenning, Craig Allen Melbourne, AU 5 100
Hill, Trudy Foster City, US 17 551
Ochieano, Anita Menlo Park, US 5 100
Oppenlander, Carole Pacifica, US 9 202
Sahota, Jagdeep Singh Rodeo, US 19 973
Wagner, Kim R Sunnyvale, US 48 713

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