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:
Mar. 25, 2025
Filed:
Aug. 31, 2021
Visa International Service Association, San Francisco, CA (US);
Yuexi Chen, Foster City, CA (US);
Marc Kekicheff, Foster City, CA (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
A method includes an access device determining an interaction value associated with an interaction. The access device prompts a user operating a user device for a secret. The access device receives the secret. The access device receives an initial communication then a user device certificate comprising a public key from the user device. The access device then verifies the certificate. The access device concatenates at least the secret and an unpredictable number to form a concatenated value. The access device encrypts the concatenated value with the public key, then transmits the encrypted concatenated value. The user device decrypts the encrypted concatenated value with a private key, verifies the unpredictable number, verifies the secret, determines whether or not the interaction is approved, produces an interaction authorization result, and then provides the interaction authorization result to the contactless access device. The access device receives the interaction authorization result.