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.

Date of Patent:
Jun. 15, 2021

Filed:

Oct. 15, 2019
Applicant:

Visa International Service Association, San Francisco, CA (US);

Inventor:

Eduardo Lopez, Menlo Park, CA (US);

Assignee:

Visa International Service Association, San Francisco, CA (US);

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
H04L 29/06 (2006.01); G06F 21/60 (2013.01); H04W 4/80 (2018.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); H04W 12/041 (2021.01); H04W 12/0431 (2021.01); G06F 9/455 (2018.01); G06F 21/44 (2013.01); H04W 88/02 (2009.01);
U.S. Cl.
CPC ...
G06F 21/606 (2013.01); G06F 9/455 (2013.01); G06F 21/44 (2013.01); G06Q 20/32 (2013.01); G06Q 20/322 (2013.01); G06Q 20/327 (2013.01); G06Q 20/3227 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/382 (2013.01); G06Q 20/385 (2013.01); G06Q 20/3825 (2013.01); G06Q 20/3829 (2013.01); H04W 4/80 (2018.02); H04W 12/041 (2021.01); H04W 12/0431 (2021.01); H04L 63/068 (2013.01); H04W 88/02 (2013.01);
Abstract

Techniques for enhancing the security of a communication device may include providing an application agent and a transaction application that executes on a communication device. The application agent may receive, from the application, a cryptogram key generated by a remote computer, and store the cryptogram key on the communication device. When the application agent receives a request to conduct a transaction from the application, the application agent may generate a transaction cryptogram using the cryptogram key, and provides the transaction cryptogram to an access device.


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