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公开(公告)号：US20200273020A1
公开(公告)日：2020-08-27
申请号：US16871187
申请日：2020-05-11
申请人： Visa Europe Limited
发明人： Nicolas David Mackie , Stuart Fiske
IPC分类号： G06Q20/34
摘要： Methods and apparatuses are provided for configuring and using a contactless application on a chip within a portable device comprising input/output connections arranged to communicate with other devices via a contact connection and via a contactless connection. One such method comprises a first process and a second process. The first process comprises receiving, at the chip and from a first other device, a set of computer instructions, to be executed by the chip, to create a contactless application in a data store of the chip and initialise at least one file associated with the contactless application. The second process comprises executing, by the chip of the portable device, the contactless application, to transmit data to a second other device.
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公开(公告)号：US11847640B2
公开(公告)日：2023-12-19
申请号：US17858806
申请日：2022-07-06
申请人： Visa Europe Limited
发明人： Stuart Fiske
CPC分类号： G06Q20/3827 , G06Q20/327 , G06Q20/3229 , G06Q20/3821 , G06Q20/3825
摘要： Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. The payment application is associated with a certificate and a corresponding hash. The hash is adapted to be generated on the basis of an application expiration date parameter, which is adapted to comprise data indicative of an expiration date of day level granularity associated with the certificate. During processing of the EMV transaction, the point-of-sale terminal verifies the hash, thereby establishing the authenticity of the application expiration date, and hence the validity of the certificate.
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公开(公告)号：US20230306419A1
公开(公告)日：2023-09-28
申请号：US18320103
申请日：2023-05-18
申请人： VISA EUROPE LIMITED
发明人： Stuart Fiske
CPC分类号： G06Q20/3829 , G06Q20/3278 , G07F7/127 , G06Q20/322 , H04L9/3263 , H04L9/083 , H04L2209/56
摘要： Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. An ICC Master Key corresponding to the payment application is held by a trusted authority, such as the issuing bank. The trusted authority is adapted generate time-limited session keys on the basis of the ICC Master Key and distribute session keys to the payment application. Receipt of a session key by the payment application enables the payment application to conduct an EMV payment transaction. The session key is used to authorize a single EMV payment transaction.
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公开(公告)号：US11694199B2
公开(公告)日：2023-07-04
申请号：US17358837
申请日：2021-06-25
申请人： Visa Europe Limited
发明人： Stuart Fiske
CPC分类号： G06Q20/3829 , G06Q20/322 , G06Q20/3278 , G07F7/127 , H04L9/083 , H04L9/3263 , H04L2209/56
摘要： Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. An ICC Master Key corresponding to the payment application is held by a trusted authority, such as the issuing bank. The trusted authority is adapted generate time-limited session keys on the basis of the ICC Master Key and distribute session keys to the payment application. Receipt of a session key by the payment application enables the payment application to conduct an EMV payment transaction. The session key is used to authorize a single EMV payment transaction.
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公开(公告)号：US11416855B2
公开(公告)日：2022-08-16
申请号：US14046840
申请日：2013-10-04
申请人： Visa Europe Limited
发明人： Stuart Fiske
摘要： Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. The payment application is associated with a certificate and a corresponding hash. The hash is adapted to be generated on the basis of an application expiration date parameter, which is adapted to comprise data indicative of an expiration date of day level granularity associated with the certificate. During processing of the EMV transaction, the point-of-sale terminal verifies the hash, thereby establishing the authenticity of the application expiration date, and hence the validity of the certificate.
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公开(公告)号：US20190122204A1
公开(公告)日：2019-04-25
申请号：US16091498
申请日：2017-05-11
申请人： Visa Europe Limited
发明人： Nicolas David Mackie , Stuart Fiske
IPC分类号： G06Q20/34
CPC分类号： G06Q20/352 , G06Q20/341 , G06Q20/354 , G06Q20/3552 , G06Q20/3563
摘要： Methods and apparatus are provided for configuring a contactless application on a chip within a portable device comprising input/output means arranged to communicate with other devices via a contact connection and via a contactless connection. One such method comprises a first process and a second process. The first process comprises receiving, at the chip and from a first other device, a set of computer instructions, to be executed by the chip, to create a contactless application in a data store of the chip and initialise at least one file associated with the contactless application. The first process further comprises configuring the contactless application in accordance with the set of computer instructions. The second process comprises executing, by the chip of the portable device, the contactless application, whereby to transmit data to a second other device. The first process is conducted via physical contact between the first other device and the portable device and the second process is conducted via contactless communication between the portable device and a contactless reader of the second other device.
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公开(公告)号：US20220351200A1
公开(公告)日：2022-11-03
申请号：US17858806
申请日：2022-07-06
申请人： Visa Europe Limited
发明人： Stuart Fiske
摘要： Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. The payment application is associated with a certificate and a corresponding hash. The hash is adapted to be generated on the basis of an application expiration date parameter, which is adapted to comprise data indicative of an expiration date of day level granularity associated with the certificate. During processing of the EMV transaction, the point-of-sale terminal verifies the hash, thereby establishing the authenticity of the application expiration date, and hence the validity of the certificate.
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公开(公告)号：US20210326870A1
公开(公告)日：2021-10-21
申请号：US17358837
申请日：2021-06-25
申请人： Visa Europe Limited
发明人： Stuart Fiske
摘要： Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. An ICC Master Key corresponding to the payment application is held by a trusted authority, such as the issuing bank. The trusted authority is adapted generate time-limited session keys on the basis of the ICC Master Key and distribute session keys to the payment application. Receipt of a session key by the payment application enables the payment application to conduct an EMV payment transaction. The session key is used to authorize a single EMV payment transaction.
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公开(公告)号：US11080693B2
公开(公告)日：2021-08-03
申请号：US14046828
申请日：2013-10-04
申请人： Visa Europe Limited
发明人： Stuart Fiske
摘要： Methods, apparatus and computer software are provided for authorizing an EMV transaction between a user device and a point of sale terminal, particularly, but not exclusively, in situations where a secure element is not made available for the deployment of a payment application on the user device. The payment application is instead deployed to a processing environment that is outside of any secure element on the user device. An ICC Master Key corresponding to the payment application is held by a trusted authority, such as the issuing bank. The trusted authority is adapted generate time-limited session keys on the basis of the ICC Master Key and distribute session keys to the payment application. Receipt of a session key by the payment application enables the payment application to conduct an EMV payment transaction. The session key is used to authorize a single EMV payment transaction.
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公开(公告)号：US20240265385A1
公开(公告)日：2024-08-08
申请号：US18639887
申请日：2024-04-18
申请人： VISA EUROPE LIMITED
发明人： Stuart Fiske
CPC分类号： G06Q20/3829 , G06Q20/322 , G06Q20/3278 , G07F7/127 , H04L9/083 , H04L9/3263 , H04L2209/56
摘要： A method is disclosed. The method includes receiving a first session key different from a Master Key from a remote entity, the first session key based on the Master Key. The first session key is usable for a limited number of transactions. In response to receiving the first session key, the method includes provisioning a payment application in the user device with the first session key. The method includes receiving, at the payment application, a request for an application cryptogram from a point-of-sale terminal. In response to the receiving the request for the application cryptogram, the method includes generating the application cryptogram using the first session key, transmitting the application cryptogram to the point-of-sale terminal, and receiving a second session key from the remote entity. The second session key is based on the Master Key.
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