Device, system and method for reducing an interaction time for a contactless transaction
First Claim
1. A method comprising:
- receiving, at a payment device in communication with a contactless reader, information related to a transaction that includes at least a terminal unpredictable number and a transaction amount;
determining, by the payment device using one or more risk-management processes, whether to terminate the transaction, process the transaction in an online manner, or process the transaction in an offline manner;
generating a response to the received information based on the information related to the transaction, the response being configured based on the manner in which the transaction is to be processed; and
sending, from the payment device to the contactless reader, the generated response to cause the transaction to be processed in the determined manner using information provided in the response, wherein processing the transaction in an offline manner comprises;
receiving, at the payment device from the contactless reader, a command message to request one or more records indicated in the application file locator (AFL) received from the payment device;
transmitting, from the payment device to the contactless reader, the requested one or more records requested by the command message; and
recalculating the dynamic signature in order to authorize the transaction if the dynamic signature received from the payment device matches the recalculated dynamic signature.
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Accused Products
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.
39 Citations
18 Claims
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1. A method comprising:
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receiving, at a payment device in communication with a contactless reader, information related to a transaction that includes at least a terminal unpredictable number and a transaction amount; determining, by the payment device using one or more risk-management processes, whether to terminate the transaction, process the transaction in an online manner, or process the transaction in an offline manner; generating a response to the received information based on the information related to the transaction, the response being configured based on the manner in which the transaction is to be processed; and sending, from the payment device to the contactless reader, the generated response to cause the transaction to be processed in the determined manner using information provided in the response, wherein processing the transaction in an offline manner comprises; receiving, at the payment device from the contactless reader, a command message to request one or more records indicated in the application file locator (AFL) received from the payment device; transmitting, from the payment device to the contactless reader, the requested one or more records requested by the command message; and recalculating the dynamic signature in order to authorize the transaction if the dynamic signature received from the payment device matches the recalculated dynamic signature. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A system comprising:
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a contactless reader; a processor; and a memory including instructions that, when executed with the processor, cause the system to, at least; send, via the contactless reader to a payment device, a terminal unpredictable number and a transaction amount in relation to a transaction; receive, from the payment device via the contactless reader, a response based on the terminal unpredictable number and the transaction amount that includes an indication of a manner in which the transaction is to be processed and information needed to process the transaction in the indicated manner; upon determining that the transaction is to be processed in an online manner, transmitting a cryptogram received in the response to an authorization entity for the transaction to be authorized; and upon determining that the transaction is to be processed in an offline manner, validating a dynamic signature received in the response by; sending, via the contactless reader to the payment device, a request for one or more records indicated in an application file locator (AFL) received in the response; receiving the one or more records from the payment device; generating a dynamic signature based on the one or more records; and determining whether the dynamic signature received in the response matches the dynamic signature generated by the system. - View Dependent Claims (11, 12, 13, 14, 15, 16, 17, 18)
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Specification