Cloud-based transactions methods and systems

US10664824B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Erick Wong · Menlo Park, US
• Christian Flurscheim · Walnut Creek, US
• Oleg Makhotin · Paris, FR
• Eduardo Lopez · Menlo Park, US
• Sanjeev Sharma · Herndon, US
• Christopher Jones · Greenbrae, US
• Abhishek Guglani · San Mateo, US
• Jarkko Sevanto · Helsinki, FI
• Bharatkumar Patel · Fremont, US
• Tai Lung Burnnet Or · Singapore, SG
• Christian Aabye · Foster City, US
• Hao Ngo · San Jose, US
• John F. Sheets · San Francisco, US

Key dates

• Filing date: Apr 10, 2018
• Grant date: May 26, 2020
• Expiry date: Oct 28, 2038

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L2209/24
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include receiving a cryptogram generation key replenishment request that includes transaction log information derived from transaction data stored in a transaction log on a communication device, verifying that the transaction log information in the replenishment request is consistent with the previously received transaction information, and providing a new cryptogram generation key to the communication device in response to verifying the transaction log information in the replenishment request.