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1. (WO2018136494) BINDING CRYPTOGRAM WITH PROTOCOL CHARACTERISTICS

Pub. No.:    WO/2018/136494    International Application No.:    PCT/US2018/014020
Publication Date: Fri Jul 27 01:59:59 CEST 2018 International Filing Date: Thu Jan 18 00:59:59 CET 2018
IPC: H04L 29/06
H04W 12/08
Applicants: VISA INTERNATIONAL SERVICE ASSOCIATION
Inventors: CHEN, Yuexi
KEKICHEFF, Marc
TOP, Mustafa
NGO, Hao
Title: BINDING CRYPTOGRAM WITH PROTOCOL CHARACTERISTICS
Abstract:
A method is disclosed. The method includes generating, by a communication device during an interaction with an access device, a cryptogram using transaction level data and interoperability level data; transmitting the transaction level data and interoperability level data to the access device; and transmitting the cryptogram the access device, wherein the access device or a remote server computer in communication with the access device validates the received cryptogram before allowing the transaction to proceed.