US 10,032,171 B2
SYSTEMS AND METHODS FOR SECURE APPLICATION-BASED PARTICIPATION IN AN INTERROGATION BY MOBILE DEVICEGeneral
US 10,032,171 B2
SYSTEMS AND METHODS FOR SECURE APPLICATION-BASED PARTICIPATION IN AN INTERROGATION BY MOBILE DEVICE
Tech Center:
3600 Transportation, Construction, Electronic Commerce, Agriculture, National Security and License and Review
Examiner:
Kito R Robinson
Art Unit:
3695 Business Methods — Finance/Banking/ Insurance
Agent:
Inventors:
C. Douglas YEAGER
Assignee:
Priority:
08/30/12
Filed:
08/30/12
Granted:
07/24/18
Expiration:
12/22/33
Abstract
Methods are described for performing a timely authorization of digital credential data delivered from a mobile device that is without access to a local persistently stored permanent cryptographic key; through an interrogation with a point-of-sale that behaves according to the direction of a card specification; wherein the card specification expects the mobile device to create a cryptogram that is calculated, at least in part, using the permanent cryptographic key and, at least in part, from unpredictable data delivered from the point-of-sale to the mobile device during the interrogation.
Cooperative Patent Classification (CPC)
G06G06Q20/40975G06QH04L2209/56H04L