LIMITED-USE KEYS AND CRYPTOGRAMS

摘要

Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include encrypting account information with a first encryption key to generate a second encryption key, and encrypting key index information using the second key to generate a limited-use key (LUK). The key index information may include a key index having information pertaining to generation of the LUK. The LUK and the key index can be provided to the communication device to facilitate generation of a transaction cryptogram for a transaction conducted using the communication device, and the transaction can be authorized based on the transaction cryptogram generated from the LUK.

主权项

1. A method for enhancing security of a communication device when conducting a transaction using the communication device, the method comprising:
encrypting, by a computer, account information with a first encryption key to generate a second encryption key; encrypting key index information using the second encryption key to generate a limited-use key (LUK), wherein the key index information includes a key index having information pertaining to generation of the LUK; and providing the LUK and the key index to the communication device to facilitate generation of a transaction cryptogram for the transaction conducted using the communication device, wherein the transaction is authorized based on the transaction cryptogram generated from the LUK.