Patent ID: 9330386
Filing Date: 2016-05-03
CPC Classification: G06K,G06Q,G07F

Claim Text:
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; receiving from the contactless payment device the requested one or more records requested by the read record command message; 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.