US 11,989,727 B2
Payment system
Stuart Fiske, Guildford (GB)
Assigned to VISA EUROPE LIMITED, London (GB)
Filed by VISA EUROPE LIMITED, London (GB)
Filed on May 18, 2023, as Appl. No. 18/320,103.
Application 17/358,837 is a division of application No. 14/046,828, filed on Oct. 4, 2013, granted, now 11,080,693, issued on Aug. 3, 2021.
Application 18/320,103 is a continuation of application No. 17/358,837, filed on Jun. 25, 2021, granted, now 11,694,199.
Application 14/046,828 is a continuation of application No. PCT/GB2012/050737, filed on Apr. 2, 2012.
Claims priority of application No. 1105765 (GB), filed on Apr. 5, 2011.
Prior Publication US 2023/0306419 A1, Sep. 28, 2023
Int. Cl. G06K 5/00 (2006.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G07F 7/12 (2006.01); H04L 9/08 (2006.01); H04L 9/32 (2006.01)
CPC G06Q 20/3829 (2013.01) [G06Q 20/322 (2013.01); G06Q 20/3278 (2013.01); G07F 7/127 (2013.01); H04L 9/083 (2013.01); H04L 9/3263 (2013.01); H04L 2209/56 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method comprising:
generating, by a server computer, a session key based on a Master Key;
transmitting, by the server computer, the session key to a user device comprising a payment application, the payment application having a first state wherein the payment application is enabled to conduct a payment transaction, and a second state, different to the first state, wherein the user device generates an application cryptogram on the basis of the received session key, and provides the application cryptogram to a terminal after the terminal sends a cryptogram request to the user device;
receiving, by the server computer, from the terminal, the application cryptogram in an authorization request for a transaction;
verifying, by the server computer, the application cryptogram by identifying the session key using the identified session key to verify the application cryptogram; and
responsive verifying the cryptogram, transmitting, by the server computer to the terminal, an authorization response.