American Express Travel Related Services Company, Inc.

Google Inc.

Hewlett-packard Development Company, L.p.

Curtis Watson

Manish K Deliwala

John G McDonald

Ajay Babu Maddukuri

Naresh Bhandari

John F Sheets

Dave Faoro

Keven Paul Morlang

Keith Eric McIntyre

Dominique Andre Jean Gougeon

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.

Sending a cryptogram to a POS while disconnected from a network

A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.

Host card emulation systems and methods

Systems, methods, and computer program products are provided for managing applets. A first request to personalize the first applet is received over a communications network. A second request including a command requesting at least a portion of the second applet data is communicated to the second applet. At least a portion of the second applet data is communicated to the first applet. One or more values of the first applet data are replaced with one or more values of at least the portion of the second applet data.

Systems, methods, and computer program products for securely managing data on a secure element

Data entry apparatus comprising a display screen device, a touch pad mounted over the display screen device, and an application processor coupled to the touch pad and to the display screen device. The application processor has an application program processing module and a touch pad controller module. The application program processing module displays on the display screen a predefined data entry screen having a prearranged set of functional components and sends to the touch pad controller module a hot spot command defining a plurality of touch pad hot spots corresponding in area and location to the set of functional components. The touch pad controller module senses a touch event on the touch pad corresponding to one of the touch pad hot spots and sends to the application processor a touch event message identifying the touch pad hot spot corresponding to the touch event. PIN entry commands are issued by the application processor module and processed in the touch pad controller for secure PIN entry on the touch screen.

Method and apparatus for touch screen data entry

A method for operating a combination touch pad and display screen device as a PINpad for entering a A plurality of numerical keypad layouts for the display screen are defined. Each keypad layout has a unique arrangement of decimal number locations differing from one layout to all others. For each PIN entry event a random one of the numerical keypad layouts is selected and displayed on the display screen.

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Aubrey, TX, United States of America

Curtis Watson