Sending a cryptogram to a POS while disconnected from a network
US11968191B1 · kind B1 · utility
Assignee
Inventors
Key dates
| Filing date | Aug 3, 2021 |
| Grant date | Apr 23, 2024 |
| Priority date | — |
| Expiry date | Nov 13, 2041 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04W4/80
- WIPO fieldDigital communication
- WIPO sectorElectrical engineering
Abstract
Various embodiments for sending a cryptogram to a point of sale terminal while disconnected from a network. In some embodiments, for example, a computing device that is configured to display a prompt for a selection of a transaction account. An encrypted session key is retrieved through a network in response to determining a number of session keys associated with the transaction account is below a threshold. The computing device is also configured to generate a session key based at least in part on decrypting the encrypted session key using an encryption key and establish a wireless connection with a point of sale terminal for a purchase. A cryptogram is generated from the session key based at least in part on the user device being disconnected from the network. The cryptogram is sent to the point of sale terminal.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.