PROCESSING TRANSACTIONS WITH AN EXTENDED APPLICATION ID AND DYNAMIC CRYPTOGRAMS
First Claim
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 applications IDs, each identifying an application that can be used to communicate data concerning the transaction between the PI device and the POS device, each application ID including fields identifying a provider of the application, a code for the application, a code for the issuer of the PI device, and a type for the account;
receiving at the PI device an application ID from the one or more application IDs, the application ID identifying an application selected at the POS device for the transaction; and
initiating communications between the PI device and the POS device using the selected application.
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Accused Products
Abstract
Methods, systems, and machine-readable media are disclosed for handling information related to a transaction conducted with a presentation instrument at a POS device. Extended application IDs and dynamic cryptograms are use for the transaction. According to one embodiment, a method of processing a financial transaction for an account having a primary account number (PAN) can comprise detecting initiation of the transaction with the presentation instrument, and providing from the presentation instrument to the POS device a list of one or more applications IDs. Each application ID identifies an application that can be used to communicate data concerning the transaction between the presentation instrument and the POS device. The POS device selects one of the application IDs and returns it to the presentation instrument. Under the control of the selected application, the presentation instrument generates a Dynamic Transaction Cryptogram (DTC) and a dynamic PAN that are each valid for only a single transaction.
385 Citations
22 Claims
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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:
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detecting initiation of the transaction with the PI device; providing from the PI device to the POS device a list of one or more applications IDs, each identifying an application that can be used to communicate data concerning the transaction between the PI device and the POS device, each application ID including fields identifying a provider of the application, a code for the application, a code for the issuer of the PI device, and a type for the account; receiving at the PI device an application ID from the one or more application IDs, the application ID identifying an application selected at the POS device for the transaction; and initiating communications between the PI device and the POS device using the selected application. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19)
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20. A method for processing a financial transaction related to a financial account having a Primary Account Number (PAN), wherein the transaction is conducted with a device used as a presentation instrument communicating with a point of sale device (POS device), the method comprising:
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detecting initiation of the transaction with the device; providing from the device to the POS device a list of one or more applications IDs, each identifying an application that can be used to communicate data concerning the transaction between the device and the POS device, each application ID including fields identifying a provider of the application, a code for the application, a code for the issuer of the device, and a type for the financial account; selecting at the POS device the application to be used for the transaction; providing from the POS device the application ID for the selected application to the device; managing communications between the device and the POS device using the selected application; generating, under the control of the selected application, a Dynamic Transaction Cryptogram (DTC) at the device that is valid for a single transaction; generating, under the control of the selected application, a dynamic PAN at the 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 device to the POS device for use in the transaction.
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21. A presentation instrument device (PI device) for initiating with a point-of-sale device (POS device) a transaction related to an account, the presentation instrument device comprising:
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a processor; an output device communicatively coupled with the processor; and a memory communicatively coupled with and readable by the processor, the memory having stored therein one or more applications and an application ID associated with each of the applications, each application including a series of instructions which, when executed by the processor, cause the processor to communicate data concerning the transaction between the PI device and the POS device, each application ID including fields identifying a provider of the application, a code for the application, a code for the issuer of the PI device, and a type for the account. - View Dependent Claims (22)
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Specification