Secure remote interaction using portable transaction device

EP4699076A4Pending Publication Date: 2026-07-22VISA INTERNATIONAL SERVICE ASSOCIATION

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Patent Information

Authority / Receiving Office: EP · EP
Patent Type: Applications
Current Assignee / Owner: VISA INTERNATIONAL SERVICE ASSOCIATION
Filing Date: 2024-04-16
Publication Date: 2026-07-22

AI Technical Summary

Technical Problem

Conventional e-commerce transactions lack the additional security provided by user payment devices, such as cryptograms, due to limitations in processing message standards for card-not-present transactions, which makes them vulnerable to hacking and fraud, and modifying these standards would significantly impact existing infrastructure.

Method used

A method and system that uses a portable transaction device to generate a cryptogram based on transaction data and user credentials, which is then validated by a token service computer to produce a one-time use token, allowing secure remote interactions without sharing the cryptogram with the resource provider, thus enhancing security without altering the existing card-not-present transaction infrastructure.

Benefits of technology

This solution securely authenticates transactions by using a one-time use token, reducing fraudulent activities and maintaining the integrity of the existing card-not-present transaction infrastructure by incorporating the EMV cryptogram validation, thereby minimizing the impact on the payment ecosystem.

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Abstract

An exemplary communication device receives transaction data associated with an e-commerce transaction. The communication device provides, to a portable transaction device of a user, the transaction data via short range wireless communication. The portable transaction device generates a cryptogram based at least on the transaction data and a credential associated with an account. The communication device receives, from the portable transaction device, a payload including at least the cryptogram via the short range wireless communication; and transmits, to a token service computer, a token provisioning request message comprising the cryptogram. The communication device receives, from the token service computer, a token provisioning response message comprising a one-time use token associated with the credential upon validation of the cryptogram by a validation server; and transmits the one-time use token to a resource provider computer to finalize the e-commerce transaction.

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