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METHODS FOR SECURE CRYPTOGRAM GENERATION

  • US 20160065370A1
  • Filed: 08/31/2015
  • Published: 03/03/2016
  • Est. Priority Date: 08/29/2014
  • Status: Active Grant
First Claim
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1. A computer-implemented method comprising:

  • determining, by a user device, an ephemeral key pair comprising an ephemeral public key and an ephemeral private key;

    sending, by the user device, a provisioning request message including the ephemeral public key to a provisioning server computer;

    receiving, by the user device, a provisioning response message including encrypted credentials from the provisioning server computer;

    determining, by the user device, a response shared secret using the ephemeral private key and a static server public key;

    decrypting, by the user device, the encrypted credentials using the response shared secret to determine credentials;

    obtaining key derivation parameters from the credentials; and

    deriving a first cryptogram key from the response shared secret using the key derivation parameters, the first cryptogram key operable to generate a first cryptogram for use in a first secure communication with a validation server computer.

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