DEVICE, SYSTEM AND METHOD FOR REDUCING AN INTERACTION TIME FOR A CONTACTLESS TRANSACTION

摘要

A method comprising, at a reader, performing at least one transaction-based risk management process prior to energizing a contactless interface, initiating communication with a card utilized for a contactless transaction, receiving information associated with the card, terminating communication with the card, and authorizing the contactless transaction.

主权项

1. A non-transitory computer readable medium embodying information indicative of instructions for causing a reader to perform operations comprising:
wirelessly sending from a reader to a contactless payment device in a command message a terminal unpredictable number and a transaction amount; receiving from the contactless payment device in response to the command message a wireless message with a dynamic signature generated based on an application transaction counter (ATC), the terminal unpredictable number, the transaction amount, and a card unpredictable number, the dynamic signature sent with an application file locator (AFL); and then wirelessly transmitting from the reader to the contactless payment device a read record command message to request one or more records indicated in the AFL from the contactless payment device; and receiving from the contactless payment device the requested one or more records requested by the read record command; and causing a recalculation of the dynamic signature in order to authorize a contactless transaction if the dynamic signature received from the contactless payment device matches the recalculated dynamic signature.