SYSTEMS AND METHODS FOR IN-APPLICATION AND IN-BROWSER PURCHASES

摘要

A system may receive a transaction request from a user device, and request an in-app cryptogram from a network software development kit (SDK) on the user device. The in-app cryptogram may include an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR), and the ATC may be extracted from a limited use payment credential (LUPC). The system may transmit a token, a token expiry, and a token data block for an assessment by a payment network, with the token data block including the token, the token expiry, the ATC, and/or the in-app cryptogram. The system may further receive a request from the payment network to update the LUPC on the user device, and attest that the user device is secure in response to the request from the payment network to refresh the LUPC on the user device.

主权项

1. A method comprising:
receiving, by a wallet provider, a transaction request from a user device; requesting, by the wallet provider, an in-app cryptogram from a network software development kit (SDK) on the user device,
wherein the in-app cryptogram comprises an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR),wherein the ATC is extracted from a limited use payment credential (LUPC); transmitting, by the wallet provider, a token, a token expiry, and a token data block for an assessment by a payment network,
wherein the token data block comprises at least one of the token, the token expiry, the ATC, or the in-app cryptogram, receiving, by the wallet provider, a request from the payment network to update the LUPC on the user device; and attesting, by the wallet provider, the user device is secure in response to the request from the payment network to refresh the LUPC on the user device.