Abstract: Disclosed are various embodiments for securely conducting online in-application purchases. In one example, among others, a system comprises a computing device that is configured to identify a purchase request from a merchant application executed on the computing device and authenticate an account with a wallet provider based at least in part on a selection of the account. The computing device is configured to receive an instruction from the wallet provider to execute a security library and determine that the computing device is secure by executing a security library. The execution of the security library generates a device response for the wallet provider. A security code is determined data received from the wallet provider. A token is transmitted for the purchase request to the wallet provider based at least in part on the security code.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving, from a transaction account issuer, a token comprising an alias transaction account data; storing the token in a digital wallet of a computing device; selecting a transaction account to be used as payment for a transaction; and transmitting a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates physical transaction card data and includes the alias transaction account data in place of actual transaction account data.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a selection of a transaction account to be used as payment for a transaction; and transmitting a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates data in tracks of a magnetic card and includes alias transaction account data in place of actual transaction account data.

Abstract: Disclosed are various embodiments for securely conducting online in-application purchases. In one example, among others, a system comprises a computing device that is configured to identify a purchase request from a merchant application executed on the computing device and authenticate an account with a wallet provider based at least in part on a selection of the account. The computing device is configured to receive an instruction from the wallet provider to execute a security library and determine that the computing device is secure by executing a security library. The execution of the security library generates a device response for the wallet provider. A security code is determined data received from the wallet provider. A token is transmitted for the purchase request to the wallet provider based at least in part on the security code.

Abstract: A system may identify a purchase transaction request from a merchant application and generate an in-app payment cryptogram for the purchase transaction request based on a limited use payment credential (LUPC). The in-app payment cryptogram may be provided to the merchant application. The merchant application may transmit the in-app payment cryptogram to a merchant computing device. A request may be received from a payment network to update the LUPC. A security library may be executed to determine that the client device is secure. The execution of the security library may generate a device attestation response, and the device attestation response is transmitted to the payment network. An updated LUPC may be received from the payment network.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a selection of a transaction account to be used as payment for a transaction; and transmitting a wireless signal carrying emulated track data for payment of the transaction, wherein the emulated track data emulates data in tracks of a magnetic card and includes alias transaction account data in place of actual transaction account data.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising receiving a wireless signal from a transaction device, wherein the wireless signal carries emulated track data for payment of a transaction; reading the emulated track data from the wireless signal; generating a transaction payload, wherein the transaction payload contains transaction account data and a dynamically generated digital signature value from the emulated track data of the wireless signal; transmitting the transaction payload to an authorization network server; receiving an authorization instruction from the authorization network server for handling payment of the transaction; and processing the payment of the transaction in accordance with the authorization instruction.

Abstract: A system may receive a request for a payment payload for a payment transaction with the request including a token and a transaction amount. The token may identify a transaction account for use in the payment transaction. The system may assess the risk of fraud associated with the transaction account and the payment transaction. The system may return the payment payload in response to a favorable risk assessment. The payment payload may be passed to a merchant and from the merchant to a payment network for evaluation. The payment transaction may be approved or declined based on the contents of received payment payload matching the contents of a generated payment payload.

Abstract: A system may receive a transaction request from a user device, and request an in-app cryptogram from a network software development kit (SDK) on the user device. The in-app cryptogram may include an unpredictable number, an application transaction counter (ATC), and a card verification result (CVR), and the ATC may be extracted from a limited use payment credential (LUPC). The system may transmit a token, a token expiry, and a token data block for an assessment by a payment network, with the token data block including the token, the token expiry, the ATC, and/or the in-app cryptogram. The system may further receive a request from the payment network to update the LUPC on the user device, and attest that the user device is secure in response to the request from the payment network to refresh the LUPC on the user device.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.

Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.

Abstract: A system may receive a request for a payment payload for a payment transaction with the request including a token and a transaction amount. The token may identify a transaction account for use in the payment transaction. The system may assess the risk of fraud associated with the transaction account and the payment transaction. The system may return the payment payload in response to a favorable risk assessment. The payment payload may be passed to a merchant and from the merchant to a payment network for evaluation. The payment transaction may be approved or declined based on the contents of received payment payload matching the contents of a generated payment payload.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.

Abstract: A system, method, and computer readable medium (collectively, the “system”) are provided. The system may include a processor configured to perform operations and/or steps comprising storing, by a processor, a session key on a mobile device, wherein the session key is encrypted. The system receiving a transaction request, decrypting the session key, and broadcasting a signal configured for being received by a magnetic stripe reader. Track 1 data and/or track 2 data may be encoded in the signal. The track 1 data and/or the track 2 data may also comprise a dynamically generated value that is generated based on the session key.

Abstract: A system is configured for detecting a point of sale, receiving a personal identification number (PIN), generating a PIN based key using a message digest of the PIN, decrypting a data encryption key (DEK) using the PIN based key, and generating a DEK based dynamic key using the PIN based key. The system may also decrypt a session key using the DEK based dynamic key, generate a cryptogram from the session key, and send the cryptogram to the point of sale.