Security for contactless transactions

US11922428B2 · kind B2 · utility

Assignee

• MASTERCARD INTERNATIONAL INCORPORATED · US

Inventors

• Patrick Mestré · Sart-Bernard, BE
• Patrik Smets · Nijlen, BE
• Eddy Lodewijk Hortensia Van De Velde · Leuven, BE
• Duncan Garrett · London, GB

Key dates

• Filing date: Jul 3, 2022
• Grant date: Mar 5, 2024
• Expiry date: Aug 31, 2042

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04L2209/56
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A method of performing a contactless transaction between a payment device and a terminal is described. The method comprises establishing a data connection between the payment device and the terminal and then establishing if the payment device and the terminal both support an enhanced security architecture. If they do not, they will then perform the contactless transaction according to a basic transaction flow using a first cryptographic system. If they do, they will perform the contactless transaction according to an enhanced transaction flow using a second cryptographic system. The first cryptographic system and the second cryptographic system comprise different asymmetric cryptographic systems. Suitable payment devices and terminals, and methods at the payment devices and terminals, are described.