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Processing transactions with an extended application ID and dynamic cryptograms

  • US 10,354,321 B2
  • Filed: 06/11/2012
  • Issued: 07/16/2019
  • Est. Priority Date: 01/22/2009
  • Status: Expired due to Fees
First Claim
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1. A method for processing a transaction related to an account having an account number, wherein the transaction is conducted with a presentation instrument device (PI device) communicating with a point of sale device (POS device), the method comprising:

  • detecting initiation of the transaction with the PI device;

    providing from the PI device to the POS device a list of one or more application IDs, each application ID identifying an associated application from a plurality of applications, at least one of the applications being stored at both the PI device and the POS device, each application defining types of data and the format of that data that is communicated between the PI device and the POS device for conducting the transaction, each application ID having a structure that includes a provider ID field identifying a payment processor that provides the application for loading onto the PI and the point of sale device, an application code field identifying the application of the payment processor, an issuer code field identifying the issuer of the PI device, and an account type field identifying a type for the account with which the application is used for conducting transactions, all for the purpose of distinguishing the application IDs from one another;

    selecting by the POS device an application associated with one of the application IDs provided by the PI device;

    receiving at the PI device from the POS device an application ID from the one or more application IDs, the received application ID identifying the application selected by the POS device for the transaction;

    initiating communications between the PI device and the POS device using the selected application, including;

    generating under the control of the selected application, a Dynamic Transaction Cryptogram (DTC) at the PI device that is valid for a single transaction, the DTC encrypted at the PI device using a unique card key for the PI device and based on personal information known to a user of the PI device and that identifies the user;

    generating, under the control of the selected application, a dynamic PAN at the PI device, the dynamic PAN comprising an encrypted form of the real PAN that is valid for the single transaction; and

    providing the DTC and the dynamic PAN from the PI device to the POS device for use in the transaction.

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