US Patent Application 18448012. SYSTEM AND METHOD FOR USING DYNAMIC TAG CONTENT simplified abstract

From WikiPatents
Jump to navigation Jump to search

SYSTEM AND METHOD FOR USING DYNAMIC TAG CONTENT

Organization Name

Visa International Service Association

Inventor(s)

Yuexi Chen of Foster City CA (US)

SYSTEM AND METHOD FOR USING DYNAMIC TAG CONTENT - A simplified explanation of the abstract

This abstract first appeared for US patent application 18448012 titled 'SYSTEM AND METHOD FOR USING DYNAMIC TAG CONTENT

Simplified Explanation

The patent application describes a method for generating a multi-record message using a message data template on a user device during an interaction with an access device.

  • The user device stores a message data template with multiple data fields.
  • When the user device interacts with an access device, a multi-record message is generated using the message data template.
  • To generate the multi-record message, the user device increments a counter and generates a dynamic cryptogram.
  • The user device also retrieves a credential.
  • The counter value, dynamic cryptogram, and credential are incorporated into the data fields of the message data template to form the multi-record message.
  • The multi-record message is then transmitted to the access device.
  • The access device forwards the multi-record message to an authorization computer for authorization or denial of the interaction.


Original Abstract Submitted

A method is disclosed. The method includes a user device storing a message data template comprising a plurality of data fields. A multi-record message may be generated using the message data template in response to an interaction between the user device and an access device. To generate the multi-record message, the user device may increment a counter stored on the user device to produce a counter value, and generate a dynamic cryptogram. The user device may additionally retrieve a credential. The counter value, the dynamic cryptogram, and the credential may then be incorporated into the plurality of data fields of the message data template to form the multi-record message. The multi-record message may be transmitted to the access device, where the access device forwards the multi-record message to an authorization computer to authorize or deny the interaction.

Retrieved from "http://wikipatents.org/index.php?title=US_Patent_Application_18448012._SYSTEM_AND_METHOD_FOR_USING_DYNAMIC_TAG_CONTENT_simplified_abstract&oldid=12653"