Visa International Service Association

Visa U.s.a. Inc.

Mustafa Cemal Top

Sonia Reed

Yuexi Chen

Kenneth M Sippola

William Alexander Thaw

William B Bedwell

Steven Crouch-Baker

Francis Tanzella

Esperanza Alvarez

John Stephens Stotts

Edward Kurtek

Hao Ngo

Chris S Nelson

Dung Dang Huynh

Johan Ras

Stan Weitz

Stanley Weitz

Christian Aabye

Kiushan Pirzadeh

Marc B Kekicheff

Philippe Martin

Aparna Krishnan Girish

Brian Sullivan

Dinah Sloan

Mark Rigby

Samantha Phillips

Jan Swart

Ashish Arora

Dung Huynh

A method includes forming a communication channel between a user device and an access device. The communication channel is then secured using a user device key pair in the user device and an access device ephemeral key pair in the access device. The access device then generates a session key using at least a private cryptographic key in the access device ephemeral key pair, and a public key in the user device key pair. The access device then uses the session key to secure an ultrawideband communication channel between the user device and the access device.

Secure on-demand ultra-wideband communication channels systems and methods

NFC terminal devices and corresponding integrated circuit cards (ICCs) use NFC Type 4 tags as a protocol interface for complex or encrypted communication protocols that are not natively supported by the NFC terminal devices. A smartphone acting as an NFC terminal may block applications and/or protocols other than NFC data exchange formatted (NDEF) messages. An ICC applet supporting an advanced function uses designated memory locations for the transfer of commands normally supported at an application level. Both the terminal side and the ICC applet may check the designated memory locations for updated data in the absence of protocol-level message controls.

Type 4 NFC tags as protocol interface

A method preventing relay attacks between first and second devices is disclosed. The method includes providing, by a first device, a command message, receiving a request message and providing a response message to a second device. The time period between the receipt of the command message and the transmission of the response message by the first device is compared to another time period between the time when the command message was sent and the response message was received by the second device. If those times substantially match, then the first device can have assurance that a relay attack is not occurring.

Method and system for relay attack detection

A method is disclosed. The method includes generating, by a communication device during an interaction with an access device, a cryptogram using transaction level data and interoperability level data; transmitting the transaction level data and interoperability level data to the access device; and transmitting the cryptogram the access device, wherein the access device or a remote server computer in communication with the access device validates the received cryptogram before allowing the transaction to proceed.

Binding cryptogram with protocol characteristics

A bridge device acts as a link between generic wireless protocols of mobile devices and available communication components of access devices. The bridge device can be an attachment to existing access devices and enables a transaction using any available communication components on an access device and a bridge device mobile application on a mobile device. The bridge device notifies the mobile device which communication components are available for the transaction. The mobile device then sends a selection of a communication component to the bridge device. To conduct the transaction, the bridge device converts data received from the mobile device and sends it to the access device using a protocol compatible with the selected communication component. The bridge device also converts data received from the access device and sends it to the mobile device using a generic wireless protocol supported by the mobile device.

Bridge device for linking wireless protocols

Embodiments of the invention relate to payment cards and methods for making payment cards. In one embodiment, a card comprises a first layer and a second layer adjacent to the first layer. The second layer comprises a plurality of particles comprising metal, and the plurality of particles comprise at least about 15 volume % of the second layer. In another embodiment, a mixture is prepared comprising polymer and a plurality of particles comprising metal. The plurality of particles comprise at least about 15 volume % of the mixture. The mixture is pressed and an outer layer is applied. The mixture and outer layer are then cut to form the card.

Payment card system and method

Methods of performing electrostatic discharge testing on a transaction card are disclosed. A transaction card may be placed on an insulated surface. A grounding probe may be placed at a first location on the transaction card. A discharge probe may be charged to a known voltage level. The discharge probe may then be discharged at a second location on the transaction card. A discharge wave shape may be recorded from the ground probe, and one of a pass condition and a fail condition may be assigned based on at least the value of the known voltage level as compared to a reference voltage level. The first location and the second location may each be selected from a plurality of areas on the transaction card.

Method of performing electrostatic discharge testing on a payment card

Systems and methods for performing test procedures for measuring and defining the sensitivity of payment devices to ESD (electrostatic discharge) are disclosed. In some embodiments, a plurality of test equipment in a controlled environment are used to measure the peak discharge current (Ip) when a payment device is inserted into a charge/discharge device during several simulated conditions. Energy levels of the discharge currents are calculated using an energy calculation program. One or more reference current and energy levels are determined.

Systems and methods to define possible ESD risk

Systems and methods for performing test procedures for measuring and defining the sensitivity of payment terminals to ESD (electrostatic discharge) are disclosed. In some embodiments, a plurality of test equipment in a controlled environment are used to measure the peak discharge current (Ip) when a payment device is inserted into a payment terminal during several simulated conditions. Energy levels of the discharge currents are calculated using an energy calculation program. One or more reference current and energy levels are determined.

Payment terminal ESD test

Testing is performed upon a transaction payment card having a substrate with opposing surfaces, battery powered circuit, and having memory in contact with the substrate to store data that includes an identifier for an account upon which a transaction can be conducted. An electronic component, in contact with the substrate, is powered by the battery powered circuit. In the testing, an electrical measurement is made of the battery powered circuit at each of different times when the card is exposed to an environmental condition. An output of the electrical measurements is made. The environmental condition can be temperature, current pulse applied at different states of charge of the one or more batteries, an acceleration, deceleration, or vibration for a period of time applied to card, a vacuum condition applied to the card, etc.

Testing protocols for extended functionality cards

Methods of performing electrostatic discharge testing on a payment card

Methods and systems for enabling contactless communications with a contactless card are disclosed. A contactless card may include a contactless interface activation mechanism that includes one or more sense contacts, a processor, and a processor-readable storage medium in communication with the processor. The processor-readable storage medium may contain programming instructions for performing one or more applications. The processor may be in a protected state in which the processor is prevented from performing the instructions for at least one application in the processor-readable storage medium unless a load is placed on at least one sense contact.

Growing community of inventors

San Mateo, CA, United States of America

Mustafa Cemal Top