US 12,327,244 B2
Payment system
Stuart Fiske, Guildford (GB)
Assigned to VISA EUROPE LIMITED, London (GB)
Filed by VISA EUROPE LIMITED, London (GB)
Filed on Apr. 18, 2024, as Appl. No. 18/639,887.
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 18/639,887 is a continuation of application No. 18/320,103, filed on May 18, 2023, granted, now 11,989,727.
Application 18/320,103 is a continuation of application No. 17/358,837, filed on Jun. 25, 2021, granted, now 11,694,199, issued on Jul. 4, 2023.
Application 14/046,828 is a continuation of application No. PCT/GB2012/050737, filed on Apr. 2, 2012.
Claims priority of application No. 11057650 (GB), filed on Apr. 5, 2011.
Prior Publication US 2024/0265385 A1, Aug. 8, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/32 (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 user device for conducting a payment transaction with a point-of-sale terminal, the user device comprising a payment application, and wherein the payment application received a session key from a remote entity, the session key being different from a Master Key, and the session key generated using the Master Key, whereby the user device comprises code executable by a processor in the user device, to perform an authorization process, the authorization process comprising the steps of:
receiving a request for an application cryptogram;
generating the application cryptogram using the received session key; and transmitting the generated application cryptogram to the point-of-sale terminal, wherein the application cryptogram is subsequently verified and the payment transaction is authorized.