KR20170139689A - Method and system for secure authentication of user and mobile device without secure elements - Google Patents

Abstract

A method for generating payment credentials in a payment transaction includes: storing in the memory at least a one-time key associated with a transaction account; Receiving, by the receiving apparatus, a personal identification number; Identifying, by the processing device, a first session key; Generating, by the processing device, a second session key based on at least the stored one-time key and the received personal identification number; Generating, by the processing device, a first application password based at least on the first session key; Generating, by the processing device, a second application password based at least on the second session key; And transmitting, by the transmission device, at least the first application password and the second application password for use in a payment transaction.

Description

FIELD OF THE INVENTION [0001] The present invention relates to a method and system for secure authentication of users and mobile devices,

Cross-reference to related application

This application claims priority from U.S. Provisional Patent Application No. 61 / 979,112, filed April 14, 2014; 61 / 996,665, filed May 14, 2014; 61 / 979,113, filed April 14, 2014; And in particular Provisional Patent Application No. 61 / 910,819, filed December 2, 2013; 61 / 951,842, filed March 12, 2014; 61 / 955,716, filed March 19, 2014; 61 / 979,132, filed April 14, 2014; And 35 U.S.C. for 61 / 980,784 filed April 17, 2014; 119 (e), the entire contents of which are incorporated herein by reference.

TECHNICAL FIELD OF THE INVENTION

The present invention relates to authenticating a user and a mobile device without requiring a security element in a payment transaction. More specifically, the present invention relates to generating secure payment credentials in a mobile device used in a payment transaction without the use of security elements.

The development of mobile communication technology has created tremendous opportunities. One of these opportunities is to provide users of mobile computing devices with the ability to initiate and pay for payment transactions using their mobile devices. One such approach, which enables these operations on mobile devices, has been to use local area communication (NFC) technology to securely transfer payment history from a mobile device to a nearby point-of-sale (POS) terminal. To achieve this, mobile phones with secure element hardware such as secure element (SE) chips are used to securely store payment credentials. The security element is a special one that can be included in some NFC-enabled devices that are anti-tamper platforms that can securely host applications and their confidential data.

However, not all mobile devices have security elements. In addition, even if such a security element is provided in a mobile device, some financial institutions can not have access to security elements on the mobile devices. As a result, most consumers with mobile devices that own the necessary hardware to perform contactless remote payment transactions or other types of remote payment transactions may not actually be able to use this feature. Because of this difficulty, there is a need for a technical solution that allows a mobile computing device to initiate and perform payment transactions without the use of security elements.

Some methods and systems for performing payment transactions using mobile devices without security elements or without using security elements in mobile devices with secure elements are disclosed in Mehdi Collinge, filed March 14, 2013 U.S. Patent Application No. 13 / 827,042 entitled " Systems and Methods for Processing Mobile Payments by Provisioning Credentials to Mobile Devices Without Secure Elements ", which is incorporated herein by reference in its entirety, Incorporated herein by reference. While these methods and systems may be well suited to performing payment transactions over mobile devices without the use of security elements, many consumers, merchants and financial institutions, You can be alert to participation.

As a result, not only does it provide enhanced security for transmitting payment credentials from the mobile device to the POS during financial transactions, but also for receiving and storing payment credentials in a secure mobile device There is a need for technological solutions that provide much greater security. Improved security in these processes can lead to improved peace of mind for all involved entities, which can lead to increased use of mobile devices for contactless payment transactions or remote payment transactions, Can provide tremendous benefits to consumers.

The present invention provides a description of systems and methods for generating payment credentials in a payment transaction.

A method for generating payment credentials in a payment transaction includes: storing in the memory at least a one-time key associated with a transaction account; Receiving, by the receiving apparatus, a personal identification number; Identifying, by the processing device, a first session key; Generating, by the processing device, a second session key based on at least the stored one-time key and the received personal identification number; Generating, by the processing device, a first application password based at least on the first session key; Generating, by the processing device, a second application password based at least on the second session key; And transmitting, by the transmission device, at least the first application password and the second application password for use in a payment transaction.

A method for generating payment credentials in a payment transaction comprises: storing in the memory at least a card master key associated with a transaction account; Generating, by the processing device, a first session key based at least on the stored card master key; Generating, by the processing device, a second session key; Generating, by the processing device, a first application password based at least on the first session key; Generating, by the processing device, a second application password based at least on the second session key; And transmitting, by the transmission device, at least the first application password and the second application password for use in a payment transaction.

A system for generating payment credentials in a payment transaction includes: a memory, a receiving device, a processing device and a transmission device. The memory is configured to store at least a one-time key associated with the transaction account. The receiving device is configured to receive a personal identification number. The processing device further comprising: a first session key; Generate a second session key based at least on the stored disposable key and the received personal identification number; Generate a first application password based at least on the first session key; And to generate a second application password based at least on the second session key. The transmission device is configured to transmit at least the first application password and the second application password for use in a payment transaction.

Another system for generating payment credentials in a payment transaction includes a memory, a processing device, and a transmission device. The memory is configured to store at least a card master key associated with the transaction account. The processing apparatus comprising: a processor for generating a first session key based on at least the stored card master key; Generate a second session key; Generate a first application password based at least on the first session key; And to generate a second application password based at least on the second session key. The transfer device is configured to: transmit at least the first application password and the second application password for use in a payment transaction.

The effects of the present invention are specified separately in the parts corresponding to this specification.

The scope of the present disclosure is best understood when the following detailed description of exemplary embodiments is read in conjunction with the accompanying drawings. The following figures are included.
1 is a block diagram illustrating a high-level system architecture for handling payment transactions with enhanced security of provisioning and storage of payment credentials in accordance with the illustrative embodiments.
2 is a block diagram illustrating the mobile device of FIG. 1 for processing payment transactions and securely receiving and storing payment credentials without a security element in accordance with the illustrative embodiments.
FIG. 3 is a block diagram illustrating the card database of the mobile device of FIG. 2 for storing payment credentials in accordance with the illustrative embodiments.
FIG. 4 is a block diagram illustrating the memory of the mobile device of FIG. 2 for storing data used to generate enhanced storage keys and for generating an application cryptogram, in accordance with exemplary embodiments.
5 is a block diagram illustrating the transaction management server of FIG. 1 for processing payment transactions with a mobile device without a security element, in accordance with the illustrative embodiments.
Figure 6 is a block diagram illustrating the accounting database of the processing server of Figure 5 for storing payment credentials and account details, in accordance with the illustrative embodiments.
7 is a flow diagram illustrating a process for transmitting and verifying a dual application password to process a payment transaction involving a mobile device without a security element, in accordance with exemplary embodiments.
8 is a flow diagram illustrating an alternative process for transmitting and verifying dual application passwords to process a payment transaction involving a mobile device without a secure element, in accordance with exemplary embodiments.
9 is a flow diagram illustrating a process for forming, transmitting, and verifying a remote notification service or other data message provided to a mobile device without a secure element, in accordance with exemplary embodiments.
10A and 10B are flow diagrams illustrating a process for forming, sending, and verifying a return message by a mobile device without a secure element, in accordance with exemplary embodiments.
11 is a flow diagram illustrating a process for verifying a remote announcement service message using the mobile device of FIG. 2, in accordance with exemplary embodiments.
12 is a diagram illustrating generation of an enhanced storage key using the mobile device of FIG. 2, in accordance with exemplary embodiments.
Figures 13 and 14 are flow charts illustrating exemplary methods for payment credentials generated in a payment transaction in accordance with the illustrative embodiments.
15 is a flow diagram illustrating an exemplary method for receiving and processing a Remote Notification Service message in accordance with the illustrative embodiments.
16 is a flow chart illustrating an exemplary method of forming an enhanced storage key in accordance with exemplary embodiments.
17 is a block diagram illustrating a computer system architecture in accordance with the illustrative embodiments.
Further areas of applicability of the disclosure of the present invention will become apparent from the detailed description provided below. It is to be understood that the detailed description of the exemplary embodiments is intended for illustrative purposes only, and is therefore not intended to necessarily limit the scope of the present disclosure.

Theorem of terms

Payment Network - A system or network used to send money through the use of cash-substitutes. Payment networks can use a variety of different protocols and procedures to handle remittances for various types of transactions. Transactions that can be performed via the payment network may include purchasing a product or service, credit, debit transaction, fund transaction, withdrawal, etc. Payment networks may be configured to perform transactions through cash-substitutes, which may include payment cards, letters of credit, checks, financial accounts, and the like. Examples of networks or systems configured to perform as payment networks include MasterCard®, VISA®, Discover®, American Express®, PayPal® And the like. The use of the term "payment network" herein may refer to both a payment network as an entity, and a physical payment network such as a device, hardware and software, including a payment network.

Transaction Account - A financial account that can be used to fund transactions, such as a checking account, a savings account, a credit account, a virtual payment account, account. A transaction account may be associated with a consumer, which may be an entity of any appropriate type associated with a payment account, which may include an individual, family, company, enterprise, government agency, In some instances, transaction accounts may be virtual, such as accounts operated by PayPal® or the like.

Payment Card - A card or data associated with a transaction account that can be provided to a merchant to place funds in a financial transaction through an associated transaction account. The payment cards may be a credit card, a debit card, a charge card, a stored-value card, a prepaid card, a fleet card, A virtual payment number, a virtual card number, a controlled payment number, and the like. The payment card may be a physical card that may be provided to a merchant or may be data representing an associated transaction account (e.g., as stored in a communication device such as a smart phone or a computer). For example, in some instances, data including a payment account number may be considered a payment card for processing transactions that are funded by an associated transaction account. In some instances, a check may be considered a payment card where applicable.

Payment Transaction - A transaction between two entities whose money or other financial interest is exchanged from one entity to the other. Payment transactions may be transfers of funds for the purchase of goods or services, for debt repayment, or for any other exchange of financial interests, as will be apparent to those of skill in the relevant arts. In some instances, a payment transaction may mean transactions that are funded through a payment card and / or a payment account, such as a credit card transaction. Such payment transactions may be processed through the issuer, the payment network and the acquirer. The process for processing such payment transactions may include at least one of authorization, batching, clearing, settlement, funding. The authorization may include providing the merchant with a payment history to the merchant, submitting a transaction history (including payment details, for example) to their consignee from the merchant, and identifying the consumer's payment account used to fund the transaction And verification of payment history with the issuer. Batching means storing approved transactions in a batch with other approved transactions for distribution to the consignee. The settlement may include dispatching a batch of transactions to the payment network from the consignee for processing. Settlement may include issuance of the issuer by the payment network for transactions involving issuer beneficiaries. In some instances, the issuer may pay to the consignee via the payment network. In other instances, the issuer may pay directly to the consignee. Funding may include payments from the consignee to the merchant for settlement and payment transactions that have been settled and paid. It will be apparent to those skilled in the art that the order and / or classification of the steps described above is performed as part of the payment transaction processing.

Point of sale (POS) - A user who has entered into a transaction to enter transaction data, payment data and / or other appropriate types of data for payment of goods and / or services and / (E. G., A consumer, an employee, etc.). ≪ / RTI > Point-of-sale management is the process by which physical devices (such as cash registers, kiosks, desktop computers, smartphones, tablet computers, etc.) that are in physical locations (such as "brick and motar" Or may be a virtual one in an e-commerce environment, such as an online retailer that receives communications from a customer over a network, such as the Internet. If point-of-sale management can be virtual, A computing system that receives data as a result of a running computing device or transaction may be considered a point of sale management, if applicable.

A system for handling payment transactions using mobile devices without security elements

Figure 1 illustrates a system 100 for processing payment transactions using a mobile device without requiring the use of a security element. The process then includes the steps of securely provisioning the payment credential to the mobile device, safely storing the payment credential, and generating various application passwords for use in verifying and processing the payment transaction And using a payment credential.

The system 100 may include a transaction management server 102. The transaction management server 102, which will be described in more detail below, is used to provide a payment credential to the mobile device 104 using a securely transmitted remote notification message, And may be one or more computing devices specifically programmed to perform the functions described herein to verify the payment credentials generated by the computing device 104. Although the transaction management server 102 is shown and discussed herein as performing various functions, the transaction management server 102 may include a plurality of computing devices, servers, and / or devices configured to perform the functions discussed herein It will be apparent to those skilled in the art that it can be configured as a computing network. The mobile device 104 discussed in greater detail below may be any type of mobile computing device suitable for performing the functions discussed herein. Any type of mobile computing device may include a mobile phone, a smart phone, a smart watch, another wearable or embedded computing device, a tablet computer, a laptop computer, and the like. In some embodiments, the mobile device 104 may not have a security element. In other embodiments, the mobile device 104 may include a security element, but such element may not be used with the methods and systems discussed herein, May be used in conjunction with the methods and systems discussed herein.

The mobile device 104 may communicate with the transaction management server 104 using multiple communication channels, such as using dual channel communication. Dual channel communication may include using two channels for data transmission and reception, for example, for verification and authentication, to ensure greater security in the transmission of data. The mobile device 104 may include a mobile payment application (MPA) configured to be executed by the mobile device 104 to perform the functions of the mobile device 104 discussed herein. The MPA, which will be described in more detail below, may be installed on the mobile device 104 and may be activated and activated using activation codes provided by the transaction management server 102 using methods and systems that will be apparent to those skilled in the art . Thereby, the mobile device 104 and the transaction management server 102 can securely transmit and receive communications on one or more communication channels using shared data.

The system 100 may also include an issuer 106. The issuer 106 may be a financial institution, such as a issuing bank, that issues a payment card or a payment credential to the consumer 108 associated with the transaction account. The issuer 106 may provide the transaction management server 102 with a payment history associated with the transaction account and / or the payment card. For example, the payment history may include a transaction account number, an account holder name, an expiration date, a security code, and the like. The transaction management server 102 may store the data in an account database. This is discussed in more detail below. The transaction management server 102 may also provide a payment credential to the mobile device 104. As used herein, the term "payment credential" refers to the mobile device 104 and / or the mobile device 104 when transferring and verifying billing information used in a payment transaction using the methods and systems discussed herein. And / or any data used by the transaction management server 102 and may include, but is not limited to, payment history, payment credentials, disposable keys, session keys, application passwords, card master keys, Do not.

In some embodiments, the payment credential may be provided to the mobile device 104 via a remote notification service message. As discussed in more detail below, the remote notification service (RNS) message may be a secure message that is sent to the mobile device 104 and then verified by the mobile device 104. [ Thereby, the data contained in the secure message can be secure from other devices and users. The MPA of the mobile device 104 can verify the authenticity of the received RNS message and decrypt the RNS message to obtain the data contained in the RNS message. The mobile device 104 may then perform all necessary functions based on the data (e.g., by executing the instructions contained within the data) and, if applicable, the transaction management server 102). ≪ / RTI > In some instances, the return message may be verified by the transaction management server 102.

In some instances, verification of RNS messages at the mobile device 104 or verification of the return message at the transaction management server 102 may use at least a message counter and an authentication code. Using both the counter and the authentication code can ensure that only the intended mobile device 104 will be able to verify and decrypt the data contained in the RNS message. In addition, if the rules and / or algorithms used in generating the authentication code are included in the MPA, only the mobile device 104, including the specific instance of the application program, will be able to verify the RNS message, Resulting in increased security. If the RNS message can contain payment credentials, this is available only if the payment credentials are only in the appropriate mobile device 104, and only if the MPA used to access payment credentials is a suitable and authenticated application Can be guaranteed.

Payment credentials supplied to the mobile device 104 may be securely stored in a repository of the mobile device 104, such as a card database. This is described in more detail below. In some embodiments, the mobile device 104 may be configured to generate an advanced storage key for use in securely storing data, such as payment credentials, in the database or memory of the mobile device 104 have. The creation of the enhanced store key, which is described in more detail below, includes unique device information, unique MPA information, and randomly generated information to identify a secure storage key that can be used to securely store data in the mobile device 104 Can be used. As a result, the payment credential or other sensitive data can be safely stored in the mobile device 104 without the use of a security element, which can be used to initiate and perform payment transactions without the use of a security element 104 ). ≪ / RTI > Thereby increasing the availability to publishers 106 and consumers 108 while maintaining a high level of security.

When the mobile device 104 causes the payment credentials for the transaction account to be received, verified, and stored securely in the mobile device 104, the consumer 108 transmits a payment transaction to the mobile device 104, (104) to the merchant's point-of-sale management (110). The consumer 108 may select a goods or service for purchase and may initiate a payment transaction for the purchase with the merchant and may be provided with a means for transferring payment credentials for use in funding the payment transaction Mobile device 104 may be used. Delivering the payment credentials to the point-of-sale management 110 includes conveying two or more application cryptograms. The use of more than one application cryptography may be performed using methods and systems discussed herein rather than those available in existing contactless remote transactions, including transactions performed using the mobile device 104 with secure elements Resulting in a higher level of security for the transactions being processed.

The application passwords may be generated by the mobile device 104 using respective session keys and additional data, respectively. This is discussed in more detail below. An application password generated using data stored in the mobile device 104, such as in a repository protected by the enhanced store key and associated with the MPA, It can be guaranteed to authenticate the instance. In some instances, the ciphers and / or one of the session keys used to generate the ciphers may use the information provided by the customer 108, such as a personal identification number (PIN). The use of a PIN or other consumer authentication information may enable a password to authenticate both the consumer 108 and the mobile device 104. In such a case, the passwords generated by the mobile device 104 may include a password for authenticating the mobile device 104 and a password for authenticating both the mobile device 104 and the consumer 108 .

The ciphers may be received by the point-of-sale management 110 as part of the performance of the payment transaction (e. G., Via close range communication). The application passwords may be used to authenticate the user in a secure manner such as payment information that may be required in any appropriate type of payment transaction situation (e.g., contactless transaction, remote transaction, secure remote payment transaction, magnetic stripe transaction and M / Chip EMV transaction) , May be accompanied by additional payment information, and may be transmitted to the point-of-sale management 110 using any appropriate method known to those skilled in the relevant arts. The ciphers may be sent to the acceptor 112, which may be a financial institution (e.g., an acquiring bank) associated with the merchant. For example, the consignee 112 may issue a transaction account to the merchant that is used to receive the payment of funds from the consumer 108 for the payment transaction. The consignee 112 may submit the passwords and additional transaction details to the payment network 114 using methods and systems that will be apparent to those skilled in the art. For example, the transaction history and the application password may be included in an authentication request submitted to the payment network 114 on a payment rail.

In some embodiments, all of the application secrets may be included in a single transaction message. For example, the mobile device 104 and / or the point-of-sale management 110 may include application passwords in legacy data fields of a conventional transaction message to transfer application passwords using existing payment systems and hardware. can do. In some cases, the transaction management server 102 may be configured to use Track 2 data for verification of the application passwords (e.g., in a magnetic stripe transaction). In this example, if the transaction message includes Track 1 data, the transaction management server 102 may be configured to convert Track 1 data into Track 2 data. This may include converting the changed Track 1 or Track 2 data into Track 1 or Track 2 data, respectively, that has not been changed (e.g., original, restored, etc.). By performing these functions and including the application passwords in the legacy data fields, the transaction management server 102 can be configured to perform the functions described herein without requiring the use of security elements on the mobile device 104, Can not be configured to handle and verify remote payment transactions and contactless payment transactions using the mobile device 104 with a high level of security without modification.

The payment network 114 may process payment transactions using methods and systems that will be apparent to those skilled in the art. As part of this process, the payment network 114 may send the application passwords to the publisher 106 for verification. In some embodiments, the verification may be performed by the payment network 114. The issuer 106 or the payment network 114 may communicate with the transaction management server 102. In some embodiments, the application passwords may be sent to the transaction management server 102 and the application passwords may be verified through a verification application password generation using the transaction management server 102, , The verification application password may be generated using locally stored payment credentials. In other embodiments, the publisher 106 or the payment network 114 may generate ciphers for verification of the ciphers generated by the mobile device 104 and send the ciphers to the publisher 106 or And may request the transaction management server 102, which may return to the payment network 114, an application password.

Because the transaction management server 102 owns the payment credentials and other data used by the mobile device 104 to generate the application password, the mobile device 104 (e.g., 104 may be performed through a comparison of the application password generated by the mobile device 104 and the application password generated by the transaction management server 102. [ In some embodiments, the transaction management server 102 may be part of the payment network 114 or the publisher 106. If the transaction management server 102 can be part of the payment network 114, the verification may be performed as part of an existing transaction of the payment transaction (e.g., in transaction funds using the transaction account of the customer 108) (E.g., for approval with the publisher 106) to contact the publisher 106.

By using multiple application passwords, the security of payment transactions can be increased. Also, if each cipher can authenticate the individual data (e.g., one cipher authenticates the mobile device 104 and the other authenticates the mobile device 104 (e.g., via the consumer's PIN) (E. G., Both the consumer 104 and the consumer 108), it may also provide the publisher 106 with additional data and considerations for use in making a decision to approve or reject the transaction. For example, if both passwords are incorrect (e.g., the passwords generated by the mobile device 104 do not match the passwords generated by the transaction management server 102) . If one password is correct and the other is not, the transaction may be rejected for security reasons, or may be approved based on, for example, the issuer 106's decision. For example, the publisher 106 may use the mobile device 104 for an authorized user other than the consumer 108 if the consumer authentication fails but the mobile authentication is passed. If you can indicate that you are doing business, you can approve the transaction.

As a result, the use of both ciphers may enable beneficial data that may be used by the payment network 114 and the issuer 106 in the processing of payment transactions. In addition, the use of two or more ciphers may allow for increased security in existing contactless payment methods or remote payment methods, thereby allowing for less fraudulent behavior for consumers 108, publishers 106 and merchants < RTI ID = 0.0 > Which may lead to more acceptance. The use of more than one application ciphers may be obtained from secure credentials stored securely through the enhanced storage keys generated securely using the RNS messaging methods and systems discussed herein and using the methods and systems discussed herein When created, the overall security of the system 100 can be significantly increased compared to existing systems for contactless payment and transaction processing. As a result, the system 100 can provide increased security than that provided in existing contactless payment systems, in many aspects of data transfer, data storage, and data processing, Methods, and other types of remote payment transactions and payment transactions that can use systems.

Mobile device

FIG. 2 illustrates an embodiment of a mobile device 104 of the system 100. FIG. It should be noted that the embodiment of the mobile device 104 shown in FIG. 2 is provided by way of example only and does not encompass all possible configurations of the mobile device 104 suitable for performing the functions as described herein. And will be apparent to those skilled in the art to which the invention pertains. For example, the computer system 1700 shown in FIG. 17 and discussed in more detail below may be a suitable configuration of the mobile device 104.

The mobile device 104 may include a receiving unit 202. The receiving unit 202 may be configured to receive data over one or more networks via one or more network protocols. The receiving unit 202 may be, for example, one or more application programs installed on the mobile device 104 and executed by the mobile device 104 (e.g., a mobile payment application (MPA)). The receiving unit 202 may also receive a Remote Notification Service (RNS) message, such as messages sent by the transaction management server 102, including RNS messages containing payment credentials. The receiving unit 202 may also receive additional data suitable for performing existing functions of the mobile device 104 (e.g., call, mobile communication, etc.). In some instances, the mobile device 104 may include multiple receiving units 202, such as individual receiving units 202 each configured to communicate with one or more individual networks via appropriate protocols. For example, the mobile device 104 may include a first receiving unit 202 for receiving data for NFC transactions and a second receiving unit 202 for receiving communications over a mobile communication network.

In addition, the mobile device 104 may include an input unit 214. The input unit 214 may include one or more input devices (e.g., a keyboard, a mouse, a click wheel, a scroll wheel, etc.) connected internally or externally with the mobile device 104 to receive input from the consumer 108 , A touch screen, a microphone, a camera, a receiver, etc.). The input unit 214 may receive input from the consumer 108, and the input may be processed by the processing unit 204.

The processing unit 204 may be configured to perform the functions of the mobile device 104 discussed herein. The processing unit 204 may, for example, execute the program code stored in the mobile device for the MPA and perform a number of functions associated with each application program as well as other functions of the mobile device 104 . The processing unit 204 may receive input from the consumer 108 via the input unit 214 and thereby perform functions within the program by, for example, executing an application program, By receiving, by transmitting data, by displaying data, functions can be performed. It will be apparent to those skilled in the art. For example, the processing unit 204 may be configured to verify RNS messages, generate enhanced enhanced storage keys, and generate application secrets, which are described in more detail below.

In addition, the mobile device 104 may include a display unit 210. The display unit 210 may communicate with the mobile device 104 internally or externally to display data (e.g., data transmitted to the display unit 210 for display by the processing unit 204) And may be configured to communicate with one or more display devices connected in series. Display devices may include a liquid crystal display (LCD), a light emitting diode display, a thin film transistor display, a touch screen display, and the like.

In addition, the mobile device 104 may include a transmission unit 206. The transmission unit 206 may be configured to transmit data over one or more networks over one or more network protocols. The transmission unit 206 may send RNS response messages to the transaction management server 102. The transfer unit 206 may also be configured to send application passwords and / or payment credentials for use in a payment transaction (e.g., to the point of sale management 110). The transmission unit 206 may include additional functions of the mobile device 104 (e.g., existing functions of the mobile communication device for transmitting cellular communications, etc.) to those skilled in the art, Lt; / RTI > In some instances, the mobile device 104 may include multiple transmission units 206 that may be individually configured to communicate with one or more individual networks. The plurality of transmission units 206 are such as a transmission unit 206 configured to transmit a payment credential and a payment password over an NFC and another transmission unit 206 configured to transmit data over a mobile communication network.

In addition, the mobile device 104 may include a card database 208. The card database 208, which is described in more detail below, may be a data store on the mobile device 104 configured to store data associated with one or more transaction accounts and / or payment cards. The card database 208 may store payment credentials associated with the transaction account, such as a payment credential supplied to the mobile device 104 by the transaction management server 102 within a secure RNS message, Lt; RTI ID = 0.0 > a < / RTI > This is described in more detail below. In some instances, the card database 208 may be stored as part of the mobile payment application.

The mobile device 104 may further include a memory 212. The memory 212 discussed in more detail below may be configured to store data for the mobile device 104 suitable for performing the functions of the mobile device 104 discussed herein. For example, the memory 212 may store suitable data to generate enhanced storage keys for encryption of additional data within the mobile device 104, such as the card database 208. [ This is described in more detail below. The memory 212 also receives program code (e.g., an operating system, for example) for an application program executed by the processing unit 204 and receives the data from the display unit 210 Program code for displaying data over the network, rules and / or algorithms for performing the functions discussed herein, etc.). The memory 212 may also store data (e.g., rules and / or algorithms for transmitting and receiving cellular communications over a mobile network) suitable for performing the existing functions of the mobile device 104 have. Additional data stored in the memory 212 will be apparent to those skilled in the art.

Mobile device card database

3 illustrates a card database 208 on the mobile device 104 for storing billing credentials and other data associated with a transaction account for use in funding a payment transaction performed using the mobile device 108. [ Fig.

The card database 208 may include one or more payment profiles 302 shown in FIG. 3 as payment profiles 302a, 302b, 302c. Each payment profile 302 may be associated with a transactional account that may be used to place funds in a payment transaction and may include payment credentials 304, one or more one-time keys 306, a first session key 308 ), A second session key 310, and an application transaction counter 312.

The payment credentials 304 are associated with the relevant transaction account used for identification and verification by the payment network 114 and / or the issuer 106 when processing a payment transaction using an associated transaction account. Data may be included. The payment credentials 304 may include, for example, a transaction account number, a security code, an expiration date, a cardholder name, an authenticated user name, tracking data, card layout description data, digit counts, bitmaps, and the like.

The disposable keys 306 may be valid payment tokens for a single payment transaction that may be used by the processing unit 204 of the mobile device 104 to create one or more of the application passwords used for payment transactions . In some embodiments, the one-time key 306 may include one or more of the other data elements contained within the payment profile 302. [ For example, each disposable key 306 may include a separate application transaction counter 312 that can not be separately contained within the payment profile 302. [ The different configurations of data stored in the payment profile 302 for use in performing the functions described herein will be apparent to those skilled in the art. In some examples, the disposable key 306 may comprise a key used to generate one or more application passwords, or may be configured with a key used to generate one or more application passwords. In some embodiments, the first session key 308 and the second session key 310 may be included in a one-time key 306 supplied to the mobile device 104, and the one- 306, < / RTI >

The first session key 308 and the second session key 310 are used to generate application passwords that are transmitted to the point-of-sale management 110 as part of performing a payment transaction using the mobile device 104 And may be additional keys used by the processing unit 204. [ In some embodiments, the first session key 308 is used by the processing unit 204 (e.g., using program code, rules, or algorithms stored in the memory 212 of the mobile device 104) Lt; RTI ID = 0.0 > application < / RTI > The second session key 310 may be used when generating a second application password.

In some embodiments, the second session key 310 may be generated by the processing unit 204. In this embodiment, the second session key 310 is used by the consumer 108 (e.g., via the input unit 214) Provided PIN). ≪ / RTI > In this embodiment, the second session key 310 may not be stored in the payment profile 302 and may instead be created, used, and discarded as part of the payment transaction process. Thus, the second application secret may be generated by the mobile device 104 and the consumer 108 when generated from the disposable key 306 and the second session key 310 generated using the consumer PIN. It can be used to authenticate everyone.

The personal identification number (PIN) may be used to authenticate the consumer 108 (e.g., during registration of the MPA on the mobile device 104, or during the registration of the issuer 106 and / May be the number supplied by the customer 108 during registration of the transaction with the transaction management server 102). When performing a payment transaction, the consumer 108 or another user of the mobile device 104 may provide the PIN via the input unit 214. In some embodiments, if the supplied PIN is not correct (e.g., the supplied PIN does not match the PIN provided by the consumer 108 during registration) Key 310 and then continue to generate the second application password. If the PIN supplied is not correct, then the second application password will not be correct and may be incorrect because the second application password is not valid by the transaction management server 102, the issuer 106 and / , Thereby causing the issuer 106 to refuse the transaction in response thereto or to provide an opportunity to approve the transaction nonetheless.

Mobile device memory

4 is a block diagram of a mobile device 104 for storing data and application programs to be used to perform payment transactions using the mobile device 104 and to securely store data on the mobile device 104. [ FIG. 2 illustrates one embodiment of the memory 212 of FIG. In an exemplary embodiment, the memory 212 may not be a security element.

The memory 212 may include device information 402. The device information 402 may include one or more pieces of data associated with the mobile device 104, and in some instances, the one or more pieces of data may be unique to the mobile device 104. For example, the device information 402 may include a media access control address (MAC) address, a reference number, a serial number, an identification number, and the like. Additional information that may be considered as the device information 402 of the mobile device 104 will be apparent to those skilled in the art.

In addition, the memory 212 may include a mobile payment application (MPA) The MPA 404 is configured to perform functions of the mobile device 104 discussed herein, such as receiving and storing payment credentials, verifying RNS messages, and generating application passwords for use in performing payment transactions Application program. Additional features of the MPA 404 may include existing features of an electronic wallet or other similar application program that would be apparent to those skilled in the art.

The MPA 404 may include program code 406. [ The program code 406 is code that is executed by the processing unit 204 of the mobile device 104 such that the processing unit 204 and other components of the mobile device 104 And to cause the MPA 404 to perform functions. For example, the program code 406 may comprise suitable code for generating application passwords, verifying RNS messages, and the like. The program code 406 may also include suitable program code for generating a random value that may be used when generating the enhanced storage key. The random values may be random or pseudo-random numbers that may be generated using methods and systems that will be apparent to those skilled in the art.

In addition, the MPA 404 may include an instance identifier 408. The instance identifier 408 may be used by a particular MPA 404 that may be used in generating the enhanced store key used to protect data within the mobile device 104 (e.g., in the card database 208) Lt; / RTI > By having the instance identifier 408 unique to the MPA 404 a number of MPAs 404 can be installed on the mobile device 104 and any MPA 404 can be installed on any other MPA 404), thereby ensuring that payment profiles 302 for particular transaction accounts can not be accessed by other programs. The instance identifier 408 may be a number, an alphanumeric value, a hexadecimal value, or any other suitable value that may be unique to the MPA 404.

As discussed in more detail below, the processing unit 204 of the mobile device 104 is configured to use the device information 402, the random value generated using the program code 406 of the MPA 404, May be configured to generate a diversifier value using the instance identifier 408 stored in the MPA 404. The diversity value may be used by the cryptography application 410 stored in the memory 212. The encryption application 410 may be an application program configured to perform white-box passwords and / or other appropriate cryptographic functions that will be apparent to those skilled in the art.

The encryption application 410 may include program code 412. The program code 412 may be used by the processing unit 204 and other components of the mobile device 104 to enable the mobile device 104 to perform cryptographic functions of the cryptographic application 410 discussed herein. The processing unit 204 of FIG. The functions may include generating an enhanced storage key. The enhanced storage key may be generated using an encryption key 414 included in the encryption application 410 and the diversification value generated by the mobile payment application 404. In some embodiments, the diversity key may be decrypted using the encryption key 414 to obtain the enhanced storage key.

In addition, the encryption application 410 is configured to encrypt the repository within the mobile device 104 using the enhanced storage key. In some embodiments, the encryption may be performed using one or more white-box cryptographic techniques. The encrypted store may be the card database 208 in the mobile device 104 and / or any other suitable store, such as data stored within the MPA 404. In some embodiments, the encryption application 410 may be included as part of the MPA 404. The enhanced storage key may be stored in the encryption application 410 or the MPA 404 or may be stored in the MPA 404 or in some instances as needed by the MPA 404 and the encryption application 410 .

The memory 212 may also include any additional data stored in the mobile device 104 suitable for performing the functions discussed herein as well as any additional functions of the mobile devices. For example, the memory 212 may include program code for an operating system, code, rules, or algorithms for receiving and transmitting mobile communications, such as telephone calls and the like.

In some embodiments, the mobile device 104 may also be configured to receive already encrypted data using the enhanced storage key, wherein the encrypted data is stored in the memory 212, May be stored in an encrypted local store within the mobile device 104, such as a database 208 or other appropriate repository. In this embodiment, the mobile device 104 may be configured to send the generated random value to the transaction management server 102 or other trusted entity, and the transaction management server 102 or other trusted entity May use the same methods and systems that use the generated random value to generate the enhanced store key and may encrypt the data that is provided to the mobile device 104. [ Accordingly, the mobile device 104 may receive already encrypted data using the enhanced storage key, for local storage within the mobile device 104. [

Transaction management server

FIG. 5 illustrates one embodiment of the transaction management server 102 of the system 100. FIG. The embodiment of the transaction management server 102 shown in FIG. 5 is provided only by way of example and is not limited to covering all possible configurations of the transaction management server 102 suitable for performing the functions as described herein Will be apparent to those skilled in the art to which the invention pertains. For example, the computer system 1700 shown in FIG. 17 and discussed in more detail below may be a suitable configuration of the transaction management server 102.

The transaction management server 102 may include a receiving unit 502. The receiving unit 502 may be configured to receive data over one or more networks via one or more network protocols. The receiving unit 502 may receive data such as a receive or return message, an acknowledgment message, transaction notification, etc. from the mobile device 104 and may receive data from the payment network 114, the publisher 106, Data can be received. The receiving unit 502 may receive a transaction notification or a password request to initiate, for example, generating an application password for use in validating payment credentials in a payment transaction. The receiving unit 502 may also receive transaction accounting data for use, for example, from the publisher 106 to generate payment credentials to provide to the mobile device 104. [

In addition, the transaction management server 102 may include a processing unit 504. The processing unit 504 may be configured to perform the functions of the transaction management server 102 discussed herein, as will be apparent to those skilled in the art. The processing unit 504 accordingly generates and decrypts the RNS messages and the data contained therein; Verify return messages from the mobile device 104; Generate payment credentials; Generate application passwords; May be configured to verify application passwords. This will be discussed in more detail below.

The transaction management server 102 may further include a transmission unit 506. [ The transmission unit 506 may be configured to transmit data over one or more networks via one or more network protocols. The transmission unit 506 may transmit RNS messages, billing credentials, application passwords, verification notifications, and other data that will be apparent to those skilled in the art. The sending unit 506 may be configured to send data to the mobile device 104, for example, via a mobile communication network or the Internet, and the payment network 114, the publisher 106, Lt; RTI ID = 0.0 > other < / RTI >

In addition, the transaction management server 102 may include an account database 508. The account database 508, discussed in more detail below, may be configured to store account information for a plurality of transaction accounts. The account information may include data and keys used for the generation of application passwords used in verifying payment credentials received during a payment transaction performed using the mobile device 104. [ The account database 508 may also store transaction data for payment transactions performed by the mobile device 104 and other data (e.g., data associated with the consumer 108 or other Data associated with authorized users).

In addition, the transaction management server 102 may include a memory 510. The memory 510 may be configured to store additional data for use by the transaction management server 102 when performing the functions described herein. For example, the memory 510 may include rules or algorithms for verification of application ciphers, rules or algorithms for generation of verification notifications, algorithms for generating session keys and application ciphers, Encryption keys for decryption, RNS messages, and the like. Additional data that may be stored in the memory 510 will be apparent to those skilled in the art.

Account database on the transaction management server

FIG. 6 is a flow chart illustrating an example of the transaction management server 102 for storing data relating to a transaction account for use in verifying a payment credential and other transaction data provided in performing a payment transaction including the mobile device 104 An embodiment of an account database 508 is shown.

The account database 508 may include a plurality of account profiles 602 as shown in FIG. 6 as account profiles 602a, 602b, 602c. Each account profile 602 includes one or more one-time keys 604, a first session key 606, a second session key 608, an application transaction counter 610 and a first card master key 612 can do. In some embodiments, the account profile 602 may further comprise a second card master key 612.

Each account profile 602 may correspond to a payment profile 302 that is provided to the mobile device 104. As such, the one-time keys 604 stored in the account profile 602 may correspond to the one-time keys 306 stored in the corresponding payment profile 302 associated with the same transaction account. The data may be similar and in this case, when the application password is generated by the transaction management server 102 or the mobile device 104, if the data is correct and not corrupted, the application passwords must match do.

 In some embodiments, the account profile 602 may include a Personal Identification Number (PIN) corresponding to the PIN 314 stored in the corresponding payment profile 302. In this embodiment, the PIN 314 is provided to the receiving unit 202 transaction management server 102 in a secure message, such as a received message, provided by the mobile device 104 discussed in more detail below. In other embodiments, a card master key such as the first card master key 612 may be used in place of the PIN. In this embodiment, the processing unit 504 of the transaction management server 102 may be configured to generate a second session key 608 based on the second card master key 614, The second card master key 614 corresponds to the second session key 310 generated by the mobile device 104 using the disposable key 306 and the PIN 314. In some instances, the second session key 608 may also be based on a corresponding disposable key 604. In these embodiments, algorithms for generation of session keys and / or application passwords may be used to ensure that the passwords generated by the mobile device 104 and the transaction management server 102 are consistent based on the data used therein Can be guaranteed.

The first session key 606 may be used by the processing unit 504 of the transaction management server 102 to generate a first application secret and the second session key 608 may be used by the second application It can be used to generate passwords. In some embodiments, the application transaction counter 610 may be used to generate one or more of the session keys and / or the application passwords. The application transaction counter 610 may be a value corresponding to the payment transaction to be performed and a value that is incremented or modified during each transaction. The application transaction counter 610 may correspond to the application transaction counter 312 stored in the corresponding payment profile 302 within the mobile device 104 so that its use is limited to only valid MPAs 404, And / or to ensure that it can own the correct application transaction counter 312 to generate application passwords. Additional techniques for further enhancing the security of the session key and / or application cryptographic generation may be used, such as unpredictable numbers and other techniques, which will be apparent to those skilled in the art.

Process payment transactions using mobile devices

Figure 7 illustrates a process for processing a payment transaction performed using the mobile device 104 without a security element and using generation and verification of two or more application passwords.

In step 702, the transaction management server 102 provides the mobile device 104 with payment credentials 304 and other accounting data (e. G., Via a RNS message, for example, (Via the transmission unit 506). In step 704, the receiving unit 202 of the mobile device 104 may receive the payment credentials 304 and other account data. In step 706, the processing unit 204 of the mobile device 104 may store the data in a payment profile 302 in the card database 208. The account data may include the payment credentials 304, one or more one-time keys 308, and any other appropriate data (e.g., one or more of the session keys 308, 310).

In step 708, the processing unit 204 may generate two application passwords for use in performing a payment transaction. In some embodiments, step 708 is performed by the consumer 108, for example, via the input unit 214, by directing the mobile device 104 to initiate the transaction via short- By keeping it near the viewpoint management 110, or by any other suitable method. The generation of the application passwords may include generating a first application password using the first session key 308 stored in the payment profile 302. [ The second application secret may be generated using the second session key 310, which may be generated using the one-time key 306 and the PIN 314. [ In some instances, the consumer 108 may enter the PIN to the mobile device 104 prior to step 708, or during the start of step 708 (e.g., via the input unit 214). In some embodiments, one or both of the application passwords may be generated using the application transaction counter 312.

Once the application ciphers are generated, the application ciphers, together with the payment credentials 304, are transferred to the issuer 106 (via the point of sale management 110, the acceptor 112 and the payment network 114) ). ≪ / RTI > In step 710, the payment credentials 304 and application passwords may be received by the issuer 106. In step 712, the sending unit 206 of the mobile device 104 may send a transaction notification to the transaction management server 102. In step 714, the receiving unit 502 of the transaction management server 102 may receive the transaction notification. The transaction notification may inform the transaction management server 102 that the mobile device 104 has initiated a payment transaction using the payment profile 302. [ In some instances, the transaction notification may include identification information.

In step 716, the processing unit 504 of the transaction management server 102 may identify an accounting profile 602 corresponding to the payment profile 302, and using the data contained therein, Application passwords. The first application secret may be generated using the first session key 606, which may be generated using the first card master key 612. The second application password may be generated using the second session key 608. [ In some embodiments, the application secrets and / or one or both of the session keys may further be based on the one-time keys 604, the application transaction counter 610, or any other suitable data.

At step 718, the transfer unit 506 of the transaction management server 102 may send the generated application passwords to the issuer 106 that may receive the passwords at step 718. [ At step 720, the publisher 106 may verify the application passwords provided by the mobile device 104 involving the payment credentials 304. [ The verification of the application passwords may include comparing the application passwords generated and supplied by the transaction management server 102 with the passwords provided by the mobile device 104. If verification is performed, then, at step 722, the publisher 106 may process the transaction accordingly. The transaction processing may include the approval of the payment transaction if, for example, one or both of the passwords are verified, or if, for example, one or both of the passwords are determined to be invalid, The rejection of the < / RTI >

At step 724, transaction notifications may be sent by the publisher 106 or other entity (e.g., the payment network 114, the acceptor 112, etc.) as part of the processing of the payment transaction. In step 726, the transaction notification may be transmitted to the transaction management server 102 and received by the receiving unit 502. Also, at step 728, the transaction notification may be received by the receiving unit 202 of the mobile device 104. [ The transaction notification may be an indication of approval or rejection of the payment transaction. The processing unit 204 of the mobile device 104 and the processing unit 504 of the transaction management server 102 may each perform one or more functions as a result of the received transaction notification. For example, if the transaction has been approved and successfully processed, the application counters 310 and 610 in each of the profiles may be updated accordingly.

FIG. 8 illustrates an alternative process for processing payment transactions using the mobile device 104. FIG.

In step 802, the payment credentials 304 and other account data may be transferred to the mobile device 104 by the transfer unit 506 of the transaction management server 102. In step 804, the receiving unit 202 of the mobile device 104 may receive the payment credentials 304 and other account data, which may be stored in the payment credentials 304 and other account data And may be stored in the payment profile 302 at step 806. At step 808, the processing unit 204 of the mobile device 104 may generate two or more application passwords as described above and may generate the passwords, the payment credentials 304 and other appropriate data To the issuer 106 (e. G. Via the point-of-sale management 110).

At step 810, the issuer 106 may send the application passwords and any other appropriate data that may be used by the publisher 106 to verify the transaction data and / or to process the approval or rejection of the transaction Lt; / RTI > In step 812, the issuer 106 may submit a request for verification ciphers to the transaction management server 102. In some embodiments, the request may be received from the payment credentials 304 suitable for use by the transaction management server 102 when identifying the account profile 602, which will be used to generate the verification ciphers, Data may be included. In one embodiment, the request may further include two application passwords generated by the mobile device 104 for verification.

In step 814, the receiving unit 502 of the transaction management server 102 may receive the password request. In step 816, the processing unit 504 of the transaction management server 102 may generate the two application passwords to be used for verification as described above. Also in embodiments in which the cryptographic request includes the two application ciphers generated by the mobile device 104, step 816 may also be performed in the processing unit 504 using the two newly generated application ciphers And verifying the two passwords. In applicable embodiments, the verification ciphers or verification results may be transmitted to the issuer 106 by the transmission unit 506. At step 818, the publisher 106 may receive the verification ciphers and / or the verification results.

At step 820, the publisher 106 may verify the application passwords provided by the mobile device 104 using the application passwords generated by the transaction management server 102. [ In embodiments in which the transaction management server 102 provides verification results to the issuer 106, step 820 may include identifying the result of verification of each of the two application ciphers. At step 822, the publisher 106 may process the payment transaction accordingly based on the result of the verification. Transaction notifications may be sent to the transaction management server 102 and the mobile device 104 and are received by the receiving unit 502 at step 826 and the receiving unit 202 at step 828, Lt; / RTI >

Remote Notification Service and Data Messaging

9 shows a process for transferring and verifying remote announcement service (RNS) messages and other data messages sent from the transaction management server 102 to the mobile device 104. FIG. The RNS messages may be transmitted via a remote notification service, such as using a mobile communication network associated with the mobile device 104. The RNS messages may be used to provide the mobile device 104 with payment credentials 304 and other account data (e.g., account data used for processing payment transactions) as described above, May be used to supply other information that may be used to establish a secure connection between the device 104 and the transaction management server 102.

In step 902, the processing unit 504 of the transaction management server 102 may generate a message. In instances where mutual authentication with the mobile device 104 is established, the message may include information suitable for establishing the mutual authentication, such as a session identifier. In other instances, such as when mutual authentication is established between the transaction management server 102 and the mobile device 104 using the process shown in FIG. 9 and discussed herein, the generated message may include payment credentials 304 (E.g., one-off keys 306 or removal of payment credentials 304, etc.) to be executed by the MPA 404 of the mobile device 104 And may include notifications to be presented to the consumer 108 (e.g., account balances, payment alerts, etc.), or other appropriate data.

In step 904, the processing unit 504 may encrypt the generated message. The message may be encrypted using the private key of the private / public key pair, in which case the mobile device 104 may possess the corresponding public key. In some instances, the message may be encrypted using the mobile device 104 or an encryption key associated with the MPA 404 (e.g., encryption key 414). In step 906, the processing unit 504 may generate a message authentication code. The message authentication code may be generated using the encrypted message, and may be a key generated using one or more specially configured rules and / or algorithms. For example, the message authentication code may be generated using one or more encryption and obfuscation methods, such as padding. In some embodiments, the message authentication code may be generated using the encryption key.

In step 908, the transmission unit 506 of the transaction management server 102 may transmit the combined data message to the mobile device 104. [ In embodiments where the mutual authentication may be performed, the combined data message may be a remote notification service message sent to the mobile device 104 via the remote notification service. The combined data message may be received by the receiving unit 202 of the mobile device 104 at step 910 and may include the message authentication code and the encrypted message. In some instances, the combined data message may include additional identifiers, such as additional identifiers generated using methods known to the MPA 404 for verification of the combined data message. In some instances, such as when mutual authentication has already been performed, the combined data message may also include a message counter.

In step 912, the processing unit 204 may generate a reference authentication code. The reference authentication code may be generated using the received encrypted message and may be generated using the same rules and algorithms as the transaction management server 102 used to generate the message authentication code, Thereby, if the message authentication code is generated by a reliable source (for example, the transaction management server 102), the generated reference authentication code will correspond to the message authentication code. In embodiments in which the message authentication code may be generated using the encryption key, the processing unit 204 may use the encryption key 414 or other appropriate encryption key stored in the memory 212 to generate the reference authentication You can generate code.

In step 914, the processing unit 204 may verify the message authentication code by comparing the message authentication code contained in the received combined data message with the generated reference authentication code. If both the message counter and the message authentication code are verified, the combined data message may be determined to be reliable (e.g., genuine) from the transaction management server 102. In instances where the combined data message may include a message identifier, the processing unit 204 may also generate a message identifier using a process known by the MPA 404 for the generation and comparison of the message identifier The message identifier may be verified. In embodiments in which the combined data message may include a message counter, the processing unit 204 may be configured to provide a message counter within the mobile device 104 (e.g., within the MPA 404 or within the payment profile 502) ) May verify the message counter contained in the received combined data message with a stored reference counter.

In step 916, the processing unit 204 may decrypt the encrypted message contained in the received combined data message. The encrypted message may be decrypted using a key. For example, the encrypted message may be stored in the memory 212 (e.g., in the encryption application 410 or the MPA 404) or a key stored in the memory 212 (e.g., ) Keys stored in a locally encrypted database, or other appropriate decryption method. In step 918, the processing unit 204 may perform one or more appropriate operations based on the decrypted data from the encrypted message. In the example shown in Figure 9, the mobile device 104 uses the session identifier included in the encrypted message and decrypted by the processing unit 204, for example, And mutual authentication can be performed. In step 920, the transaction management server 102 may receive the session identifier and perform any additional operations necessary for mutual authentication with the mobile device 104. [ In instances where mutual authentication has already been performed, the message may be suitable for performing the functions described herein, such as billing credentials 404, disposable keys 406, program commands for the MPA 404, Other information may be included.

In some embodiments, the mobile device 104 may be configured to generate a return message (e.g., via the MPA 404) and to submit the return message to the transaction management server 102. In some instances, the return message may include data generated in response to operations performed as indicated in the decrypted message, as described above. For example, the return message may indicate valid receipt and storage of payment credentials 304 or one-time keys 306. [ In other examples, the return message may be an indication of receipt and verification of the combined data message. In instances where mutual authentication is performed first, the return message may include the session identifier used to perform the mutual authentication.

FIGS. 10A and 10B illustrate a process for generating and sending a return message by the mobile device 104 and for verifying the return message by the transaction management server 102. FIG.

In step 1002, the processing unit 204 of the mobile device 104 may generate an incoming message. The received message may be generated based on the program code 406 stored in the MPA 404 and may further be based on operations performed as indicated in the decrypted combined data message received from the transaction management server 102 can do. For example, the received message may include notification of successful receipt and storage of payment credentials 304. [ In step 1004, the processing unit 204 may increment the reception counter. The reception counter may be a counter indicating the number of reception messages transmitted to the transaction management server 102. The receive counter may be stored in the memory 212 (e.g., in the MPA 404, or in a database encrypted using the enhanced store key). It will be appreciated by those skilled in the art that step 1004 may be an optional step and may only be used in cases where a counter is used for verification of a data message only.

In step 1006, the processing unit 204 may encrypt the received message. The received message may be encrypted using the encryption key 414 stored in the encryption application 410 or otherwise stored in the MPA 404 or locally encrypted database. The encryption key used to encrypt the received message may be a private key that is part of a key pair, in which case the transaction management server 102 may possess a corresponding public key. In step 1008, the processing unit 204 may generate a received authentication code based on the encrypted received message. In some embodiments, the receiving authentication code may be generated using the same rules, algorithms and / or processes used to generate the reference authentication code shown in step 912 of FIG. 9, as described above.

In step 1010, the sending unit 206 of the mobile device 104 may send a receipt notification message to the transaction management server 102. The reception notification message may be received by the reception unit 502 of the transaction management server 102 and may include at least the reception authentication code, the encrypted reception message, and the reception counter. In some embodiments, the receive notification message may be transmitted to the transaction management server 102 using a mobile communication network such as a cellular network associated with the mobile device 104. [

In step 1014, the processing unit 504 of the transaction management server 102 may increment the confirmation counter. The confirmation counter may indicate the number of messages received from the mobile device 104 that are used for verification of messages received from the mobile device 104. The confirmation counter may be stored in the memory 510 of the transaction management server 102 or other appropriate data store. For example, in some embodiments, the confirmation counter may be stored in an account profile 602 associated with the mobile device 104. In one example, each account profile 602 may be associated with the transaction management server 102 and the mobile device 104 associated with the corresponding transaction account, a message sent from the transaction management server 102 and the mobile device 104, (E. G., And / or a message counter) to be used for the < / RTI > It will be apparent to those skilled in the art that step 1014 may be an optional step and the counter can not be performed in instances that can not be used for verification of return messages.

In step 1016, the processing unit 504 may generate a verification authentication code. The verification authentication code may be generated based on an encrypted received message included in the received notification message and may be generated using the same rules, algorithms and / or processes used to generate the message authentication code have. In step 1018, the processing unit 504 may verify the reception counter by comparing the reception counter contained in the reception notification message with the confirmation counter. In step 1020, the processing unit 504 may verify the received authentication code by comparing the received authentication code with the message authentication code, thereby ensuring that the message is from the authorized mobile device 104 do.

If the counter and the authentication code have been verified (for example, if appropriate), then, at step 1022, the processing unit 504 may decrypt the encrypted message contained in the received notification message . The encrypted message may be decrypted using a stored encryption key or other appropriate decryption method. The encrypted message may be decrypted to obtain the received message generated by the mobile device 104. [ In step 1024, the processing unit 504 may perform any appropriate operations as needed based on the data contained in the received message. For example, if the received message includes an indication of successful reception and storage of the one-time keys 306, the processing unit 204 may activate the corresponding one-time keys 604 in the corresponding accounting profile 602 .

Data message verification

11 shows a process 1100 for the verification of data messages received by the mobile device 104 from the transaction management server 102. As shown in FIG.

In step 1102, the processing unit 204 of the mobile device 104 may provide encryption keys to the local store (e.g., the memory 212 or a locally encrypted store encrypted using the enhanced store key) Generation keys, and rules and / or algorithms for their use and application. In step 1104, the receiving unit 202 of the mobile device 104 may receive a data message from the transaction management server 102. In some embodiments, the data message may be received from the transaction management server 102 after mutual authentication between two devices, e.g., using the process shown in FIG. 9 and described above. The data message may include at least a message counter, a message authentication code, and an encrypted message.

In step 1106, the processing unit 204 may increment the reference counter. The reference counter may be stored in the memory 212 or other local repository and may be used to indicate the number of messages received from the transaction management server 102. In some instances, the reference counter may be incremented using an algorithm, whereby the reference counter may not be incremented using consecutive digits, but may be incremented (e.g., via the MPA 404) May be increased using algorithms known to the device 104 and the transaction management server 102.

In step 1108, the processing unit 204 may verify the message counter included in the received data message. The verification of the message counter may include a comparison of the message counter with the value of the reference counter after being incremented. Failed verification may indicate that the source of the data message is not the transaction management server 102 or is not reliable. If the verification fails, then at step 1110, the processing unit 204 may perform one or more appropriate operations associated with receiving and / or verifying a failed data message. For example, the processing unit 204 may discard the data message, notify the transaction management server 102, lock the associated payment profile 302, or perform other actions Can be performed.

If the verification of the message counter passes, then the process 1110 may proceed to step 1112, in which case the encrypted message may be padded. The padding of the encrypted message may include adding values to the encrypted message or data associated therewith. Padding can be used to increase the security of the message verification process. This is because the padding must be performed by the well-known mobile device 104 and the transaction management server 102, which need to be replicated by unauthorized entities to successfully transmit or receive data messages without authentication This is another function. It will be apparent to those skilled in the art that step 1112 may be an optional step. In some embodiments, step 1112 may be applied to some examples of the process 1110. For example, the encrypted message may be padded at certain increments of the reference counter.

In step 1114, the processing unit 204 may generate a reference authentication code. The reference authentication code may be generated based on the encrypted message (e.g., if applicable, padded) using one or more rules or algorithms such as those stored in step 1102. [ In some embodiments, the reference authentication code may be a key, or it may be a value generated by applying a key to the encrypted message. In step 1116, the processing unit 204 may verify the message authentication code received in the RNS message. The verification of the message authentication code is another identification method if the received data message originated from an authorized source (e.g., transaction management server 102), wherein the comparison of the code with the generated reference authentication code . ≪ / RTI >

If the verification of the message authentication code fails, the process 1100 may proceed to step 1110, in which case the failure processing is performed. If the verification of the message authentication code passes, then at step 1118, the encrypted message contained in the received data message may be decrypted by the processing unit 204. [ The message may be decrypted using one or more encryption / decryption keys, rules and / or algorithms, such as those stored in the mobile device 104 at step 1102. For example, the encryption key 414 stored in the encryption application 410 of the memory 212 may be used to decrypt the encrypted message. In step 1120, the processing unit 204 may perform one or more appropriate operations based on the content of the decrypted message. For example, if the decrypted message includes one-time keys 306, the one-time keys 306 may be stored in the appropriate payment profile 302 of the card database 208, The card database 208 may be encrypted using the enhanced storage key.

Enhanced storage key

12 is a flow diagram illustrating a method for securely storing data such as payment profiles 302 and other data that may be securely stored and accessed in the mobile device 104 without the use of a security element, 104 to generate and use the enhanced storage key.

The device information 402 stored in the memory 212 of the mobile device 104 may include three or more pieces of device information pieces 1202 shown as device information 1202a, 1202b, and 1202c in FIG. Each piece of device information 1202 may be associated with the mobile device 104. In some examples, each piece of device information 1202 may be unique to the mobile device 104. In other examples, one or more of the device information pieces 1202 may not be unique to the mobile device 104 (e.g., model number), but the three pieces of device information pieces 1202 may be combined together May be unique to the mobile device 104 when taken (e.g., unique combination). The device information pieces 1202 may be data that will not change during the lifetime of the mobile device 104.

The processing unit 204 of the mobile device 104 may generate a mobile device fingerprint 1204 based on the three pieces of device information pieces 1202a, 1202b, and 1202c. The mobile device fingerprint 1204 may be a value unique to the mobile device 104 and may be stored in the memory 212 such as in the program code 406 of the MPA 404, ≪ / RTI > or algorithms. For example, the mobile device fingerprint 1204 may be a numerical value, a hexadecimal value, a string, or the like.

In addition, the processing unit 204 may be configured to generate the diversity value 1208 using the mobile device fingerprint 1204. The diversity value may be generated by combining the mobile device fingerprint 1204 with the instance identifier 408 of the MPA 404 as well as the random value 1206. The random value 1206 may be a random or a random or pseudo-random number generated by the processing unit 204. In some instances, the random value 1206 may be generated according to one or more rules or algorithms stored in the memory 212. The combination of the mobile device fingerprint 1204, the instance identifier 408 and the random value 1206 may also be performed using one or more rules or algorithms such as those stored in the program code 406 of the MPA 404 . The use of the instance identifier 408 to generate the diversity value may result in the ability to securely store data associated with an instance of the MPA 404 such that multiple installations of the MPA 404 may be performed by the MPA 404, The data stored by the other instances of the database 404 may not be accessible.

The processing unit 204 may then generate the enhanced storage key 1210 through application of the encryption key 414 stored in the encryption application 410 for the diversity value 1208. [ In some instances, the enhanced storage key 1210 may be generated by decrypting the diversity key 1208 using the encryption key 414. In other examples, the enhanced storage key 1210 may be a value resulting from encryption of the diversity value 1208 using the encryption key 414. [ In some embodiments, the enhanced storage key 1210 may be generated as a result of performing the white-box cryptography using the encryption key 414 and the diversity value 1208.

Once the enhanced storage key 1210 is created, the processing unit 204 may use the enhanced storage key 1210 to encrypt the local database 1210. The local database 1210 may include, for example, the card database 208, one or more payment profiles 302, a portion of the memory 212, or other suitable data source. In some instances, the local database 1210 may be part of another database in the mobile device 104, such as the card database 208. For example, the card database 208 may include a plurality of local databases 1212. The plurality of local databases 1212 may be a separate local database 1212 for each instance of the MPA 404 for storing payment profiles 302 associated therewith. The resulting encrypted local database 1214 may be moved to any other location within or outside the mobile device 104, except for the particular instance of the MPA 404 that includes the instance identifier 408. [ Data that can not be accessed by an application program can be safely stored. Accordingly, the encrypted local database 1214 may be ideal for storing billing credentials 304, one-time keys 306 and other account data, and may be stored in a secure Storage can be enabled.

In some embodiments, the storage key may also be used by the transaction management server 102 to provide encrypted data to the mobile device 104 for storage in the encrypted local database 1214. In some embodiments, For example, the transfer unit 206 of the mobile device 104 may send the generated random value 1206 to the transaction management server 102. In some instances, the instance identifier 408 may also be sent to the transaction management server 102, or may be transferred in advance by the transaction management server 102 (e.g., during registration of the MPA 404) Can be owned. The transaction management server 102 then generates the enhanced store key 1210 by itself and uses the enhanced store key 1210 to store data to be supplied to the mobile device 104, Billing credentials 304, disposable keys 306, etc.), and then store the encrypted data in the mobile device 104. [0033] The mobile device 104 may then store the already encrypted data in the encrypted local database 1214. [

A first exemplary method for generating payment credentials in a payment transaction

Figure 13 illustrates a method 1300 for generating payment credentials in a payment transaction, wherein the method 1300 uses two application passwords for secure use of payment credentials in the mobile device 104 without a security element .

At step 1302, at least a one-time key (e.g., a one-time key 306) may be stored in memory associated with the transaction account (e.g., payment profile 302). In some embodiments, the memory 302 may be non-secure element memory within a mobile communication device (e.g., the mobile device 104). At step 1304, the personal identification number PIN may be received by the receiving device (e.g., the receiving unit 202 and / or the input unit 214).

At step 1306, the first session key (e.g., the first session key 308) may be identified by the processing device (e.g., the processing unit 204). At step 1308, a second session key (e.g., a second session key 310) may be generated by the processing device 204 based at least on the stored one-time key 306 and the received PIN. have.

At step 1310, a first application secret may be generated by the processing device 204 based at least on the first session key 308. [ At step 1312, a second application secret may be generated by the processing device 204 based at least on the second session key 310.

At step 1314, at least the first application password and the second application password may be transmitted by a transmission device (e.g., the transmission unit 206) for use in a payment transaction. In some embodiments, the first application password and the second application password may be sent to a point-of-sale device (e.g., point-of-sale at 110). In one embodiment, the method 1300 may further comprise storing, in the memory 302, a card master key associated with the transaction account, wherein the first session key 308 is identified Includes generating the first session key (308) by the processing device (204) based at least on the stored card master key.

In some embodiments, the method 1300 may also include storing, in the memory 302, an application transaction counter (e.g., an application transaction counter 312) Identifying the first session key 308 includes generating the first session key 308 by the processing unit 204 based at least on the stored application transaction counter 312. In one embodiment, the method 1300 further comprises verifying the received PIN by the processing device 204 before generating the second session key 310. In one embodiment, In a further embodiment, the processing unit 204 may be configured to generate an invalid second session key 310 if the verification of the received PIN fails.

A second exemplary method for generating payment credentials in a payment transaction

Figure 14 illustrates a method 1400 for generating payment credentials in a payment transaction, the method 1400 comprising two application passwords verification of payment credentials generated by the mobile device 104 without using a secure element . ≪ / RTI >

At step 1402, at least the card master key (e.g., first card master key 612) may be stored in a memory (e.g., account profile 602) associated with the transaction account. At step 1404, a first session key (e.g., a first session key 606) is sent to the processing device (e.g., a processing device at reference numeral 504) based at least on the stored card master key 612 Lt; / RTI > At step 1406, a second session key (e.g., a second session key at 608) may be generated by the processing device 504.

In step 1408, a first application secret may be generated by the processing device 504 based at least on the first session key 606. In step 1410, a second application secret may be generated by the processing device 504 based at least on the second session key 608. At step 1412, at least the first application password and the second application password may be transmitted by a transmission device (e.g., a transmission device of reference numeral 506) for use in a payment transaction.

In one embodiment, the method 1400 may further comprise storing, in the memory 602, a transaction account sequence number associated with the transaction account, wherein the first session key is stored It is further based on the transaction account sequence number. In some embodiments, the method 1400 further includes storing, in the memory 602, a second card master key associated with the transaction account (e.g., a second card master key of reference 614) , In which case the second session key 608 is based at least on the stored second card master key 614.

In one embodiment, the method 1400 includes: receiving, by a receiving device (e.g., a receiving unit at 502), a first corresponding application password and a second corresponding application password; (I) verifying the received first corresponding application password based on the generated first application encryption, and (ii) verifying the received first application password based on the generated second application encryption. 2 validating the corresponding application password; And transmitting, by the transmission device 506, the result of the verification for use in the payment transaction. In a further embodiment, the first corresponding application password and the second corresponding application password may be received from a point-of-sale device (e.g., point-of-sale at 110). In yet another further embodiment, the result of the verification may be sent to a financial institution (e.g., the publisher 106) associated with the transaction account.

An exemplary method for processing a data message

Figure 15 illustrates a method 1500 for processing a data message, such as a remote announcement message, received via a remote notification service, which method 1500 may be used by the mobile device 104 to send a data message RTI ID = 0.0 > and / or < / RTI >

At step 1502, at least the encryption key may be stored in a memory (e.g., memory at 212). In some embodiments, the memory 212 may be a non-secure element memory within a mobile communication device (e.g., mobile device 104). In step 1504, the data message may be received by a receiving device (e.g., a receiving unit of reference numeral 202), wherein the data message may comprise at least an encrypted message and a message authentication code, A message authentication code is generated using at least a portion of the encrypted message. In some embodiments, the data message may be a remote notification service message received via a remote notification service.

At step 1506, a reference authentication code may be generated by the processing device (e.g., the processing unit at 204) using at least some of the encrypted messages contained in the received data message. In one embodiment, the memory 212 may further include one or more authorization code generation rules, and the reference authorization code may be generated based on the stored one or more stored authorization codes in a portion of the encrypted message included in the received data message And may be generated based on application of authentication code generation rules. At step 1508, the received data message may be verified by the processing device 204 based on a check of the message authentication code included in the received data message for the generated reference authentication code have. In some embodiments, the memory may further include a reference counter, wherein the received data message may further include a message counter, and wherein the received data message includes information about the received data And may be further verified by the processing unit 204 based on an acknowledgment of the message counter contained in the message.

At step 1510, the encrypted message contained in the data message may be decrypted by the processing device 204 using the stored encryption key to obtain a decrypted message. In one embodiment, the decrypted message may include at least one of the following for use in a payment transaction: a digital card profile (e.g., payment credentials 304) and a disposable key (e.g., For example, the disposable key of reference numeral 306). In some embodiments, the method 1500 may also include, by the processing device 204, checking the data format of the decrypted message based on one or more data formatting rules .

In one embodiment, the method 1500 may further comprise, by a transmitting device (e.g., a transmitting device 206), transmitting a receiving notification in response to the received data message. In a further embodiment, the method (1500) comprises: performing one or more operations by the processing unit (204) based on the decrypted message; Generating, by the processing unit (204), a return message based on the one or more actions performed as a result of the one or more actions performed; Encrypting the generated return message using the stored encryption key to obtain an encrypted return message by the processing device (204); And generating a return authorization code using at least a portion of the encrypted return message by the processing device 204, wherein the transmitted received notification comprises the encrypted return message, And includes the return authorization code. In a further embodiment, the memory 212 may further include a return counter, and the transmitted receive notification may further comprise the return counter.

In some embodiments, the method 1500 further includes padding, by the processing device 204, the encrypted message contained in the received data message using a padding key In which case a portion of the encrypted message used to generate the reference authentication code is the padded encrypted message. In a further embodiment, the padding key may be the encryption key. In another further embodiment, the memory 212 may further comprise an authentication code padding algorithm, and wherein the step of padding the encrypted message using the padding key comprises: And padding the encrypted message based on the application of the encrypted message.

An exemplary method for forming an enhanced storage key

16 illustrates a method 600 for forming an enhanced storage key for securely encrypting and storing local data in a mobile device 104 without a security element.

At step 1602, at least the device information associated with the mobile communication device (e.g., mobile device 104) (e.g., device information at 402), a first application program (e.g., (E.g., program code 406) associated with a second application program (e.g., application 404), program code associated with a second application program (e.g., a cryptographic application 410) Program code) associated with the first application program 404 may be stored in memory (e.g., memory 212) of the mobile communication device 104 and program code 406 associated with the first application program 404 may include at least an instance identifier (E.g., an instance identifier of reference numeral 408), and the program code 412 associated with the second application program 410 includes at least a first key (E.g., an encryption key of reference numeral 414).

In some embodiments, the device information 402 may include one or more unique identifiers associated with the mobile communication device 104. In one embodiment, the instance identifier 408 may be unique to an instance of the first application program 404. In some embodiments, the second application program 410 may be configured to perform a white-box password using the first key. In one embodiment, the first key may be a dynamic key. In some embodiments, the program code 412 associated with the second application program 410 may be included in the program code 406 associated with the first application program 404. In further embodiments, the second application program 410 may be an executable function of the first application program 404.

In step 1604, a device fingerprint associated with the mobile communication device 104 (e.g., a mobile device fingerprint of reference numeral 1204) may indicate execution of the program code 406 associated with the first application program 404 (E.g., a processing unit of reference numeral 204) based on the stored device information 402 via the network. At step 1606, a random value (e.g., a random value of reference numeral 1206) may be generated by the processing device 204 through execution of the program code 406 associated with the first application program 404 . In some embodiments, the random value 1206 may be a random number or a pseudo-random number.

In step 1608, the diversity value (e.g., the diversity value of reference numeral 1208) is compared to the generated device fingerprint 1204, the generated random value 1206, and the program associated with the first application program 404 May be formed by the processing device 204 based at least on the instance identifier 408 contained within the code 406. [ In step 1610, the formed diversity value 1208 is used to determine the execution of the program code 412 associated with the second application program 410 to obtain a storage key (e.g., an enhanced storage key 1210) Which may be decrypted by the processing device 204 using the first key stored in the program code 412 associated with the second application program 410.

In some embodiments, the method 1600 includes: storing protected data in a local database (e.g., a local database at 1212) of the mobile communication device 104; And encrypting the protection data stored in the local database 1212 using the storage key 1210 by the processing device 204. [ In one embodiment, the method 1600 further comprises: storing program data associated with the first application program 404 in the memory 212; And storing the generated random value (1206) in program data associated with the first application program (404).

In one embodiment, the method 1600 further comprises: transmitting at least the random value 1206 by a transmission device (e.g., a transmission unit 206); Receiving one or more encrypted parameters by a receiving device (e.g., a receiving unit of reference numeral 202), wherein the one or more encrypted parameters are each encrypted using the storage key (1210) step; And storing the received one or more encrypted parameters in a local database (1212) of the mobile communication device (104). In a further embodiment, the store key 1210 may be transmitted to a third party (e.g., the transaction management server 102, and the one or more encrypted parameters may be received from the third party 102) In some further embodiments, the instance identifier 408 may also be transmitted by the transmitting device 206. [

Computer System Architecture

Figure 17 illustrates a computer system 1700 in which embodiments or portions of embodiments of the invention may be implemented as computer-readable code. For example, the transaction management server 102 and the mobile device 104 of FIG. 1 may be implemented in a computer system (not shown) using hardware, software, firmware, a non-transitory computer readable medium having stored instructions, 1700, and one or more computer systems may be implemented in other processing systems. The hardware, software, or any combination thereof includes modules and components used to implement the methods of Figures 7, 8, 9A, 9B, 10A, 10B, 11 and 13-16 can do.

If programmable logic is used, such logic may be executed on a commercial processing platform or a special purpose application. Those skilled in the art will appreciate that embodiments of the disclosed subject matter may be practiced with other computer systems, such as multi-core multiprocessor systems, multicomputers, mainframe computers, computers distributed or clustered, ≪ / RTI > or small computer systems. For example, at least one processor device and memory may be used to implement the embodiments described above.

The processor unit or apparatus discussed herein may be a single processor, multiple processors, or combinations thereof. Processor devices may have one or more processor "cores ". The terms "computer program medium", "non-transitory computer readable medium" and "computer executable medium" discussed herein generally refer to a removable storage unit 1718, a moveable storage unit 1722, Is used to refer to tangible media, such as a hard disk,

Various embodiments of the present disclosure are described with respect to this exemplary computer system 1700. After reading this description, it will be clear to those skilled in the art how to implement the invention using other computer systems and / or computer architectures. Although operations may be described as a sequential process, some of the operations may be performed locally or remotely for access by virtually parallel, concurrent, and / or distributed environments, and by single processor machines or multi- May be performed using the stored program code. Additionally, in some embodiments, the order of operations may be re-configured without departing from the spirit of the disclosed invention.

The processor device 1704 may be a special purpose or general purpose processor device. The processor device 1704 may be coupled to a communication infrastructure 1706, such as a bus, a message queue, a network, a multi-core message-delivery scheme, and so on. The network may be any network suitable for performing the functions as described herein and may be a local area network (LAN), a wide area network (WAN), a wireless network (e.g., WiFi), a mobile communication network, Network, the Internet, an optical fiber, a coaxial cable, infrared, radio frequency (RF), or any combination thereof. Other suitable network types and configurations will be apparent to those skilled in the art. The computer system 1700 may also include a main memory 1708 (e.g., a random access memory, a read-only memory, etc.) and may also include an auxiliary memory 1710. The auxiliary storage device 1710 may include a hard disk drive 1712 and a removable storage drive 1714, such as a floppy disk drive, a magnetic tape drive, an optical disk drive, a flash memory,

The moveable storage drive 1714 may be read from the moveable storage unit 1718 in a well-known manner and may be written to the moveable storage unit 1718. The removable storage unit 1718 may include a removable storage medium that can be read and written by the removable storage drive 1714. [ For example, if the removable storage drive 1714 is a floppy disk drive or a universal serial bus (USB) port, the removable storage unit 1718 may be a floppy disk or a portable flash drive, respectively. In one embodiment, the moveable storage unit 1718 may be a non-transitory computer readable recording medium.

In some embodiments, the auxiliary storage device 1710 may include an alternative means for enabling computer programs or other instructions to be loaded into the computer system 1700 (e.g., the removable storage device 1722 And interface 1720). Examples of such means include program cartridges and cartridge interfaces (e.g., as found in video game systems), removable memory chips (e.g., EEPROM, PROM, etc.) and associated sockets that will be apparent to those skilled in the art, And may include other moveable storage units 1722 and interfaces 1720. [

Data stored within the computer system 1700 (e.g., in the main storage 1708 and / or auxiliary storage 1710) may be stored in an optical storage device (e.g., a compact disc, a digital versatile disc, a Blu- Etc.), or magnetic tape storage (e. G., A hard disk drive). ≪ / RTI > The data may comprise any suitable type of database configuration, such as a relational database, a structured query language (SQL) database, a distributed database, an object database, Suitable configurations and storage types will be apparent to those skilled in the art.

In addition, the computer system 1700 may include a communication interface 1724. The communication interface 1724 may be configured to allow software and data to be communicated between the computer system 1700 and external devices. Exemplary communication interfaces 1724 may include a modem, a network interface (e.g., Ethernet card), a communication port, a PCMCIA slot, and a card. The software and data communicated through the communication interface 1724 may be in the form of a signal that may be an electronic signal, an electromagnetic signal, an optical signal, or other signal that will be apparent to those skilled in the art. The signals may be configured to carry the signals and may travel through a communication path 1726 that may be implemented using wires, cables, fiber optics, telephone lines, cell phone links, radio frequency links, and the like.

The computer system 1700 may further include a display interface 1702. The display interface 1702 may be configured to allow data to be communicated between the computer system 1700 and the external display 1730. Exemplary display interfaces 1702 may include a high-definition multimedia interface (HDMI), a digital visual interface (DVI), a video graphics array (VGA), and the like. The display 1730 may include a cathode ray tube (CRT) display, a liquid crystal display (LCD), a light emitting diode (LED) display, a liquid crystal display A capacitive touch display, a thin-film transistor (TFT) display, and the like.

Computer program media and computer executable media may refer to memories such as the main memory 1708 and the auxiliary memory 1710, which may be memory semiconductors (e.g., DRAMs). These computer program products may be means for providing software to the computer system 1700. Computer programs (e.g., computer control logic) may be stored in the main memory 1708 and / or the auxiliary memory 1710. In addition, computer programs may be received via the communication interface 1724. These computer programs, when executed, may enable computer system 1700 to implement the methods discussed herein. In particular, the computer programs, when executed, cause the processor device 1704 to perform the functions described herein with respect to Figures 7, 8, 9A, 9B, 10A, 10B, 11 and 13-16 It is possible to implement the described methods. Accordingly, such computer programs may represent the controllers of the computer system 1700. If the present invention is implemented using software, the software may be stored in a computer program product and the removable storage drive 1714, interface 172 and hard disk drive 1712, or communication interface 1724, May be loaded into the computer system 1700 using a computer system.

Techniques consistent with the present disclosure provide systems and methods for handling payment transactions using a mobile device, among other features, without the use of a security element, which systems are capable of transmitting and receiving remote notification service messages Verifying, and safely storing data using enhanced storage keys. While various illustrative embodiments of the disclosed systems and methods have been described above, it should be understood that they have been presented by way of example only, and not limitation. They are not intended to be exhaustive or to limit the invention to the precise forms disclosed. Modifications and variations are possible in light of the above teachings or may be acquired from practicing the invention without departing from the breadth or scope of the invention.

Claims (14)

CLAIMS What is claimed is: 1. A method for generating payment credentials in a payment transaction,
The method comprising:
Generating, by the processing device, a second session key based on the at least one stored key and the personal identification number associated with the transaction account;
Generating, by the processing device, a first application password based on at least a first session key;
Generating, by the processing device, a second application password based at least on the second session key; And
And transmitting, by the transmission device, at least the first application password and the second application password for use in a payment transaction. The method according to claim 1,
The method comprising:
Storing, in the memory, a card master key associated with the transaction account; And
Further comprising, by the processing device, identifying the first session key,
Wherein identifying the first session key comprises:
And generating, by the processing device, the first session key based at least on the stored card master key. The method according to claim 1,
The method comprising:
Storing an application transaction counter in a memory; And
Further comprising, by the processing device, identifying the first session key,
Wherein identifying the first session key comprises:
And generating, by the processing device, the first session key based at least on the stored application transaction counter. The method according to claim 1,
The method comprising:
Further comprising verifying, by the processing device, the personal identification number before generating the second session key. The method of claim 4,
Wherein the processing device is configured to generate an invalid second session key if the verification of the personal identification number fails. The method according to claim 1,
Wherein the first application password and the second application password are sent to the point-of-sale management device. The method of claim 2,
Wherein the memory is a non-secure element memory within the mobile communication device. A system for generating payment credentials in a payment transaction,
The system comprises:
Processing device; And
Comprising:
The processing apparatus comprising:

Generate a second session key based on at least one stored key associated with the transaction account and the received personal identification number;
Generate a first application password based at least on a first session key; And
And to generate a second application password based at least on the second session key,
Wherein the transmitting device is configured to transmit at least the first application password and the second application password for use in a payment transaction. The method of claim 8,
The system comprises:
Further comprising a memory configured to store a card master key associated with the transaction account,
The processing apparatus comprising:
And to generate the first session key based at least on the stored card master key. The method of claim 8,
The system comprises:
Further comprising a memory configured to store an application transaction counter;
The processing apparatus comprising:
And to generate the first session key based at least on the stored application transaction counter. The method of claim 8,
Wherein the processing device is further configured to verify the personal identification number before generating the second session key. The method of claim 11,
Wherein the processing device is configured to generate an invalid second session key if the verification of the personal identification number fails. The method of claim 8,
Wherein the first application password and the second application password are sent to the point-of-sale management device. The method of claim 9,
Wherein the memory is a non-secure element memory within the mobile communication device.

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