Limited-use keys and cryptograms

US11164176B2 · kind B2 · utility

Assignee

• Visa International Service Association · US

Inventors

• Hao Ngo · San Jose, US
• Christian Aabye · Foster City, US
• John Sheets · San Francisco, US
• Oleg Makhotin · Paris, FR

Key dates

• Filing date: Dec 19, 2014
• Grant date: Nov 2, 2021
• Expiry date: Jun 7, 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 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.