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:
Nov. 04, 2025
Filed:
Sep. 26, 2019
Visa International Service Association, San Francisco, CA (US);
Shashank Agrawal, Sunnyvale, CA (US);
Dmitri Bannikov, Mountain View, CA (US);
Atul Luykx, San Francisco, CA (US);
Payman Mohassel, San Jose, CA (US);
Sergey Smirnoff, Palo Alto, CA (US);
Selvaganesh Vasudevan, Foster City, CA (US);
Gaven Watson, Palo Alto, CA (US);
Visa International Service Association, San Francisco, CA (US);
Abstract
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.