Payment system
US12327244B2 · kind B2 · utility
Assignee
Inventor
Key dates
| Filing date | Apr 18, 2024 |
| Grant date | Jun 10, 2025 |
| Priority date | — |
| Expiry date | Apr 18, 2044 |
Classification
- Technology area (CPC H)Electricity
- CPC primaryH04L2209/56
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method is disclosed. The method includes receiving a first session key different from a Master Key from a remote entity, the first session key based on the Master Key. The first session key is usable for a limited number of transactions. In response to receiving the first session key, the method includes provisioning a payment application in the user device with the first session key. The method includes receiving, at the payment application, a request for an application cryptogram from a point-of-sale terminal. In response to the receiving the request for the application cryptogram, the method includes generating the application cryptogram using the first session key, transmitting the application cryptogram to the point-of-sale terminal, and receiving a second session key from the remote entity. The second session key is based on the Master Key.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.