KEY DELIVERY SYSTEM AND METHOD

• US 20090202081A1
• Filed: 02/08/2008
• Published: 08/13/2009
• Est. Priority Date: 02/08/2008
• Status: Abandoned Application

• Current Assignee: Visa USA, Inc. (Visa, Inc.)
• Original Assignee: Visa USA, Inc. (Visa, Inc.)
• Inventors: Faith, Patrick, Hammad, Ayman
• Application Number:
  US12/028,220
• Publication Number:
  US 20090202081A1
• Time in Patent Office: Days
• US Class Current: 380/285
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/0822 using key encryption key

Abstract

A method for delivering a key is disclosed. The method includes encrypting a first key using a second uniquely derived key to form an encrypted first key, and providing the encrypted first key to a transaction device. The transaction device contains the second uniquely derived key.

Claims

1. A method comprising:

encrypting a first key using a second uniquely derived key to form an encrypted first key; and

providing the encrypted first key to a transaction device, wherein the transaction device includes the second uniquely derived key.

2. The method of claim 1 wherein the first key is a private key of a public/private key pair, and wherein the transaction device is a portable consumer device.

3. The method of claim 1 wherein providing the encrypted first key to the transaction device comprises downloading the encrypted first key to the transaction device.

4. The method of claim 1 wherein the encrypted first key is subsequently decrypted in the transaction device using the second uniquely derived key.

5. The method of claim 1 wherein the transaction device is a portable consumer device that is in the form of a payment card.

6. A computer readable medium comprising:

code for encrypting a first key using a second uniquely derived key to form an encrypted first key; and

code for providing the encrypted first key to a transaction device, wherein the transaction device contains the second uniquely derived key.

7. The computer readable medium of claim 6 wherein the first key is a private key of a public/private key pair.

8. The computer readable medium of claim 6 wherein providing the encrypted first key to the transaction device comprises downloading the encrypted first key to the transaction device.

9. A server computer comprising a processor, and the computer readable medium of claim 6 operatively coupled to the processor.

10. A server computer comprising a processor, and the computer readable medium of claim 7 operatively coupled to the processor.

11. A method comprising:

receiving an encrypted first key, wherein the first key was previously encrypted using a uniquely derived key; and

decrypting the encrypted first key using the uniquely derived key.

12. The method of claim 11 wherein the encrypted first key is decrypted in a portable consumer device.

13. The method of claim 11 wherein the first key is a public key in a public/private key pair.

14. The method of claim 11 further comprising:

signing data using the first key; and

providing the signed data to an entity.

15. The method of claim 11 wherein receiving and decrypting are performed by a portable consumer device.

16. A computer readable medium comprising:

code for receiving an encrypted first key, wherein the first key was previously encrypted using a uniquely derived key; and

code for decrypting the encrypted first key using the uniquely derived key.

17. The computer readable medium of claim 16 wherein the first key is a public key in a public/private key pair.

18. The computer readable medium of claim 16 further comprising:

code for signing data using the first key; and

code for providing the signed data to an entity.

19. A portable consumer device comprising the computer readable medium of claim 16.

20. A portable consumer device comprising a computer readable medium, wherein the computer readable medium comprises code for a uniquely derived key and code for a public key or a private key of a public/private key pair.