Mastercard International Incorporated

Sapankumar K Mandloi

Abhinava Srivastava

Anthony Lopreiato

A method for distributing data to a computing device using device level authentication includes: receiving a single use key from a payment institution, the single use key encrypted by the payment institution using a first encryption, a server public key, and device data; wrapping a device public key using the server public key; electronically transmitting at least the device data, the wrapped device public key, and the single use key to a server; receiving the single use key encrypted using a second encryption from the server, the second encryption using the device public key to encrypt the single use key; decrypting the single use key encrypted with the second encryption using a device private key; and electronically transmitting the decrypted single use key and payment credentials to a point of sale device.

Method and system for device level authentication in electronic transactions

A method for generation of an application cryptogram for use in a payment transaction includes: storing, in a first memory, a single use key associated with a transaction account; electronically transmitting the single use key to a processing server; receiving an encrypted session key and a server encryption key from the processing server; executing a first query to store the encrypted session key in the first memory and a second query to store the server encryption key in a second memory; decrypting the encrypted session key using the server encryption key; generating an application cryptogram based on the decrypted session key; and electronically transmitting the generated application cryptogram for use in a payment transaction.

Method and system for contactless transactions without user credentials

A method for distributing data to a computing device using device level authentication includes: storing, in a memory of a computing device, a single use key encrypted with a first encryption, a server public key, and device data; generating a key pair comprising a device private key and a corresponding device public key; wrapping the device public key using the server public key; transmitting at least the device data, wrapped device public key, and the single use key encrypted with the first encryption to a server; receiving the single use key encrypted with a second encryption from the server; and executing a query on the memory to insert the received single use key encrypted with the second encryption.

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Stamford, CT, United States of America

Sapankumar K Mandloi