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1. WO2020117559 - SECURED EXTENDED RANGE APPLICATION DATA EXCHANGE

Note: Text based on automatic Optical Character Recognition processes. Please use the PDF version for legal matters

[ EN ]

WHAT IS CLAIMED IS:

1 . A method comprising:

establishing, by a communication device, a communication channel with an access device;

receiving, by the communication device, an access device profile of the access device;

emulating, by the communication device, a virtual access device on the communication device based on the access device profile;

issuing, by the virtual access device executing on the communication device, a set of application commands to a transaction applet executing on the communication device;

receiving, by the virtual access device executing on the communication device, a set of application data responses from the transaction applet in response to the set of application commands;

generating, by the communication device, a data packet by concatenating application data contained in the set of application data responses; and

transmitting, by the communication device, the data packet to the access device via the communication channel.

2. The method of claim 1 , further comprising:

receiving, by the communication device, an access device digital certificate from the access device; and

verifying, by the communication device, the access device digital certificate prior to emulating the virtual access device.

3. The method of claim 2, wherein the access device digital certificate includes an access device public key, and the data packet is encrypted by the communication device using the access device public key prior to transmitting the data packet to the access device.

4. The method of claim 1 , further comprising:

transmitting, by the communication device, a communication device digital certificate to the access device prior to receiving the access device profile, wherein the communication device digital certificate is verified by the access device prior to transmission of the access device profile to the communication device.

5. The method of claim 1 , wherein the access device profile includes a prioritized list of application identifiers supported by the access device.

6. The method of claim 5, wherein the set of application commands includes a select application identifier command that is generated by the virtual access device based on the prioritized list of application identifiers to select an application identifier from a list of available application identifiers associated with the transaction applet.

7. The method of claim 1 , wherein the access device profile includes an unpredictable number generated by the access device.

8. The method of claim 7, wherein the set of application data responses includes a transaction cryptogram generated by the transaction applet using the unpredictable number provided to the transaction applet by the virtual access device.

9. The method of claim 1 , wherein the application data being concatenated to generate the data packet includes application data in a plurality of read record responses from the transaction applet.

10. The method of claim 1 , wherein the communication channel established between the communication device and the access device is a wireless communication channel having a longer communication range than near field communication (NFC).

11. A communication device comprising:

a processor; and

a memory storing code executable by the communication device to implement operations including:

establishing a communication channel with an access device; receiving an access device profile of the access device;

emulating a virtual access device on the communication device based on the access device profile;

issuing, by the virtual access device executing on the

communication device, a set of application commands to a transaction applet executing on the communication device;

receiving, by the virtual access device executing on the communication device, a set of application data responses from the transaction applet in response to the set of application commands;

generating a data packet by concatenating application data contained in the set of application data responses; and

transmitting the data packet to the access device via the communication channel.

12. The communication device of claim 11 , wherein the operations further include:

receiving an access device digital certificate from the access device; and

verifying the access device digital certificate prior to emulating the virtual access device.

13. The communication device of claim 12, wherein the access device digital certificate includes an access device public key, and the data packet is encrypted by the communication device using the access device public key prior to transmitting the data packet to the access device.

14. The communication device of claim 11 , wherein the operations further include:

Transmitting a communication device digital certificate to the access device prior to receiving the access device profile, wherein the communication device digital certificate is verified by the access device prior to transmission of the access device profile to the communication device.

15. The communication device of claim 11 , wherein the access device profile includes a prioritized list of application identifiers supported by the access device.

16. The communication device of claim 15, wherein the set of application commands includes a select application identifier command that is generated by the virtual access device based on the prioritized list of application identifiers to select an application identifier from a list of available application identifiers associated with the transaction applet.

17. The communication device of claim 11 , wherein the access device profile includes an unpredictable number generated by the access device.

18. The communication device of claim 17, wherein the set of application data responses includes a transaction cryptogram generated by the transaction applet using the unpredictable number provided to the transaction applet by the virtual access device.

19. The communication device of claim 11 , wherein the application data being concatenated to generate the data packet includes application data in a plurality of read record responses from the transaction applet.

20. The communication device of claim 11 , wherein the communication channel established between the communication device and the access device is a wireless communication channel having a longer communication range than near field communication (NFC).