The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 07, 2018
Filed:
Feb. 23, 2017
Visa International Service Association, San Francisco, CA (US);
Trudy Hill, Foster City, CA (US);
Jagdeep Singh Sahota, Rodeo, CA (US);
Christian Aabye, Foster City, CA (US);
Kim R. Wagner, Sunnyvale, CA (US);
Anita Ochieano, Menlo Park, CA (US);
Carole Oppenlander, Pacifica, CA (US);
William Chi Yuen Chan, Singapore, SG;
Craig Allen Glendenning, Melbourne, AU;
VISA INTERNATIONAL SERVICE ASSOCIATION, San Francisco, CA (US);
Abstract
Methods, devices, and systems are described for sending and receiving messages between a terminal reader and a payment device, such as a credit card. A dynamic signature is calculated on the payment device from an application transaction counter, a terminal unpredictable number, and a transaction amount, and it is sent with an application the locator (AFL) to the reader. The reader then sends a read record command to the payment device to get records associated with the AFL, among other normal processing. While the normal processing is occurring for the transaction, the dynamic signature can be recalculated and compared with that from the payment device in order to assure that nothing has surreptitiously changed the values in the messages.