Visa International Service Association

Selvaganesh Vasudevan

Payman Mohassel

Shashank Agrawal

Gaven James Watson

Atul Luykx

Dmitri Bannikov

Sergey Smirnoff

Systems, methods, and computer readable media are provided for improving the usability of a cryptogram generated in a first cryptographic protocol such as triple-DES. The methods may generate a first cryptogram using a first identifier in a first cryptographic protocol, stored in a key store within an insecure memory of the mobile communication device, generate, within a secure memory of the mobile communication device, a second cryptogram using a second identifier in a second cryptographic protocol, stored in the secure memory, combining, the first cryptogram and a number of characters of the second cryptogram equal to the length of the first cryptogram to generate a third cryptogram and transmitting the third cryptogram to an payment processing network to validate a transaction. A transaction associated with the third cryptogram may be validated by an authorization entity or an issue entity.

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Foster City, CA, United States of America

Selvaganesh Vasudevan