Abstract: A method is disclosed. The method comprises receiving, by a user device from an identity network computer, a query set comprising a plurality of test identity attributes; encrypting, by the user device, the query set to form an obscured query set; computing, by the user device, a zero-knowledge proof using the obscured query set and an encrypted identity attribute associated with a user operating the user device; and transmitting, by the user device to the identity network computer, the obscured query set and the zero-knowledge proof, wherein the identity network computer verifies the zero-knowledge proof, retrieves an encrypted identity attribute associated with the user, evaluates the obscured query set with respect to the encrypted identity attribute, and transmits a result of the evaluation to a relying party computer.

Abstract: Techniques for enhancing the security of a communication device when conducting a transaction using the communication device may include encrypting account information with a first encryption key to generate a second encryption key, and encrypting key index information using the second key to generate a limited-use key (LUK). The key index information may include a key index having information pertaining to generation of the LUK. The LUK and the key index can be provided to the communication device to facilitate generation of a transaction cryptogram for a transaction conducted using the communication device, and the transaction can be authorized based on the transaction cryptogram generated from the LUK.

Abstract: A method performed by at least a user device comprising an interaction application and a biometric application is disclosed. The method comprises receiving from an access device, a message comprising interaction details. The user device may perform a biometric verification of the user operating the user device. The method may then include, if the biometric application has a biometric verification result, the interaction application receives the biometric verification result from the biometric application and continues processing the message. Or if the biometric application does not have the biometric verification result, then the interaction application either waits for the biometric verification result from the biometric application or continues processing the message without the biometric verification result.

Abstract: A method is disclosed. The method comprises transmitting, by an access device to a communication device, a resource provider certificate and an access device certificate. Then, establishing a secure channel between the access device and the communication device using data from the resource provider certificate and the access device certificate. Then, transmitting to or receiving data from the communication device using the secure channel.

Abstract: Systems and methods are disclosed for securely communicating sensitive data (e.g., interaction data) during a process for offline authentication. A data packet may be received by an access device from a user device in a one-way communication. The data packet may be converted to obtain interaction data comprising a digital certificate certified by the certificate authority and a digital signature value generated by the user device. A second public key associated with the user device may be obtained utilizing the digital certificate and the first public key associated with the certificate authority. The validity of the interaction data may be determined based at least in part on the digital signature value and the second public key associated with the user device. When the interaction data is determined to be valid, an identifier of the interaction data may be authorized and access may be provided based on this authorization.

Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile payment device that includes a contactless element, such as an integrated circuit chip. The invention enables one or more of the operations of activation of a payment application, transfer of transaction data, updating of account records, setting or re-setting of a payment application counter or register, or transfer or processing of a script, command, or instruction, with these functions being performed with minimal impact on a consumer. This is accomplished by introducing a pre-tap and/or two-tap operation prior to, or as part of, the transaction flow.

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.

Abstract: A method includes forming a communication channel between a user device and an access device. The communication channel is then secured using a user device key pair in the user device and an access device ephemeral key pair in the access device. The access device then generates a session key using at least a private cryptographic key in the access device ephemeral key pair, and a public key in the user device key pair. The access device then uses the session key to secure an ultra-wideband communication channel between the user device and the access device.

Abstract: Systems and methods are disclosed for securely communicating sensitive data (e.g., interaction data) during a process for offline authentication. A data packet may be received by an access device from a user device in a one-way communication. The data packet may be converted to obtain interaction data comprising a digital certificate certified by the certificate authority and a digital signature value generated by the user device. A second public key associated with the user device may be obtained utilizing the digital certificate and the first public key associated with the certificate authority. The validity of the interaction data may be determined based at least in part on the digital signature value and the second public key associated with the user device. When the interaction data is determined to be valid, an identifier of the interaction data may be authorized and access may be provided based on this authorization.

Abstract: A system, apparatus, and method for processing payment transactions that are conducted using a mobile payment device that includes a contactless element, such as an integrated circuit chip. The invention enables one or more of the operations of activation of a payment application, transfer of transaction data, updating of account records, setting or re-setting of a payment application counter or register, or transfer or processing of a script, command, or instruction, with these functions being performed with minimal impact on a consumer. This is accomplished by introducing a pre-tap and/or two-tap operation prior to, or as part of, the transaction flow.

Abstract: A method is disclosed. The method comprises receiving, by a user device from an identity network computer, a query set comprising a plurality of test identity attributes; encrypting, by the user device, the query set to form an obscured query set; computing, by the user device, a zero-knowledge proof using the obscured query set and an encrypted identity attribute associated with a user operating the user device; and transmitting, by the user device to the identity network computer, the obscured query set and the zero-knowledge proof, wherein the identity network computer verifies the zero-knowledge proof, retrieves an encrypted identity attribute associated with the user, evaluates the obscured query set with respect to the encrypted identity attribute, and transmits a result of the evaluation to a relying party computer.

Abstract: A method is disclosed. The method comprises transmitting, by an access device to a communication device, a resource provider certificate and an access device certificate. Then, establishing a secure channel between the access device and the communication device using data from the resource provider certificate and the access device certificate. Then, transmitting to or receiving data from the communication device using the secure channel.

Abstract: A method is disclosed. The method comprises receiving, by an identity network computer, a query set including a plurality of test identity attributes. After receiving the query set, the identity network computer may retrieve derivatives of identity attributes associated with a user, and an encrypted trapdoor, then compute an obscured query set using the query set, and optionally the derivatives of identity attributes. The identity network computer may transmit the obscured query set (i) and the encrypted trapdoor to a user device associated with the user, which generates and transmits a first modified trapdoor and the obscured query set to a relying party computer, or (ii) and a second modified trapdoor to the relying party computer. The relying party computer may thereafter use the obscured query set, and the first modified trapdoor or the second modified trapdoor, to determine if the identity attributes is a member of the query set.

Abstract: A method is disclosed. The method comprises transmitting, by an access device to a communication device, a resource provider certificate and an access device certificate. Then, establishing a secure channel between the access device and the communication device using data from the resource provider certificate and the access device certificate. Then, transmitting to or receiving data from the communication device using the secure channel.

Abstract: A method includes forming a communication channel between a user device and an access device. The communication channel is then secured using a user device key pair in the user device and an access device ephemeral key pair in the access device. The access device then generates a session key using at least a private cryptographic key in the access device ephemeral key pair, and a public key in the user device key pair. The access device then uses the session key to secure an ultra-wideband communication channel between the user device and the access device.

Abstract: A method performed by at least a user device comprising an interaction application and a biometric application is disclosed. The method comprises receiving from an access device, a message comprising interaction details. The user device may perform a biometric verification of the user operating the user device. The method may then include, if the biometric application has a biometric verification result, the interaction application receives the biometric verification result from the biometric application and continues processing the message. Or if the biometric application does not have the biometric verification result, then the interaction application either waits for the biometric verification result from the biometric application or continues processing the message without the biometric verification result.

Abstract: A method includes forming a communication channel between a user device and an access device. The communication channel is then secured using a user device key pair in the user device and an access device ephemeral key pair in the access device. The access device then generates a session key using at least a private cryptographic key in the access device ephemeral key pair, and a public key in the user device key pair. The access device then uses the session key to secure an ultrawideband communication channel between the user device and the access device.

Abstract: A method is disclosed. The method comprises receiving, by an identity network computer, a query set including a plurality of test identity attributes. After receiving the query set, the identity network computer may retrieve derivatives of identity attributes associated with a user, and an encrypted trapdoor, then compute an obscured query set using the query set, and optionally the derivatives of identity attributes. The identity network computer may transmit the obscured query set (i) and the encrypted trapdoor to a user device associated with the user, which generates and transmits a first modified trapdoor and the obscured query set to a relying party computer, or (ii) and a second modified trapdoor to the relying party computer. The relying party computer may thereafter use the obscured query set, and the first modified trapdoor or the second modified trapdoor, to determine if the identity attributes is a member of the query set.

Abstract: A method includes forming a communication channel between a user device and an access device. The communication channel is then secured using a user device key pair in the user device and an access device ephemeral key pair in the access device. The access device then generates a session key using at least a private cryptographic key in the access device ephemeral key pair, and a public key in the user device key pair. The access device then uses the session key to secure an ultra-wideband communication channel between the user device and the access device.

Abstract: Systems and methods are disclosed for securely communicating sensitive data (e.g., interaction data) during a process for offline authentication. A data packet may be received by an access device from a user device in a one-way communication. The data packet may be converted to obtain interaction data comprising a digital certificate certified by the certificate authority and a digital signature value generated by the user device. A second public key associated with the user device may be obtained utilizing the digital certificate and the first public key associated with the certificate authority. The validity of the interaction data may be determined based at least in part on the digital signature value and the second public key associated with the user device. When the interaction data is determined to be valid, an identifier of the interaction data may be authorized and access may be provided based on this authorization.