Microsoft Technology Licensing, LLC

Michael Stark

Malcolm Erik Pearson

Tolga Acar

Alex McKelvey

Doug Barlow

Matt Pisut

Trent J Byfield

Example apparatus and methods provide a device (e.g., smartphone) that is more secure for electronic commerce. An example device includes a trusted platform module (TPM) that stores a public key and a private key. The device is provisioned with account information, user information, and device information. The TPM uses the account, user, and device information to acquire attestation credentials and endorsement credentials. The device uses the account, user and device information along with the attestation credentials and endorsement credentials to acquire limited use keys (LUKs) that are encrypted with the public key. The LUKs will only be decrypted as needed to support an actual transaction at the time of the transaction. Before decrypting an LUK, the TPM will authenticate a user of the device at the time of the transaction using. for example, a personal identification number (PIN), fingerprint, or other personal information.

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Michael Stark