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

US10043177B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Trudy Hill · Foster City, US
• Jagdeep Singh Sahota · Rodeo, US
• Christian Aabye · Foster City, US
• Kim R. Wagner · Sunnyvale, US
• Anita Ochieano · Menlo Park, US
• Carole Oppenlander · Pacifica, US
• William Chi Yuen Chan · Singapore, SG
• Craig Allen Glendenning · Melbourne, AU

Key dates

• Filing date: Feb 23, 2017
• Grant date: Aug 7, 2018
• Expiry date: Feb 23, 2037

Classification

• Technology area (CPC G): Physics
• CPC primary: G07F7/1016
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

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 the 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.