Granted Patent B2

US 12,495,020 · App. 17/802,515 · Granted Dec 9, 2025

Inventors: Mehdi Collinge (Hainaut, BE); Omar Laazimani (London, GB); Alan Johnson (Maldon, GB)

Assignee: Mastercard International Incorporated

H04L63/0428H04L9/0819

Abstract

Claims (40)

1 . A method comprising:

obtaining one or more elements of information relating to an event involving a payment card;

determining a cryptographic record of the event using the one or more elements of information;

combining at least one of the one or more elements with time information associated with a recordal of the event to generate a dynamic expiration date for the payment card; and

communicating a message including the cryptographic record and the dynamic expiration date to a validator, wherein the validator is configured to recover the one or more elements using the dynamic expiration date from the message and to validate that the one or more elements are correctly recovered by recalculating the cryptographic record from the one or more recovered elements and comparing the recalculated cryptographic record with the cryptographic record from the message.

2 . The method of claim 1 , wherein the event is a service instance.

3 . The method of claim 2 , wherein the service instance comprises generation of a transaction record or transaction credentials.

4 . The method of claim 1 , wherein the one or more elements comprise a transaction counter.

5 . The method of claim 1 , wherein the one or more elements comprise an unpredictable number.

6 . The method of claim 1 , wherein the one or more elements comprise a key identifier.

7 . The method of claim 6 , wherein a change in the key identifier is synchronised with a change in the time information.

8 . The method of claim 6 , wherein a key identified by the key identifier is used in the recalculating of the cryptographic record.

9 . The method of claim 1 , wherein the message further comprises one or more check bits for identification of the time information.

10 . A method comprising:

receiving a message relating to an event involving a payment card, wherein the message includes a cryptographic record and a dynamic expiration date associated with the payment card;

determining one or more elements of information relating to the event that had been combined with time information to generate the dynamic expiration date;

computing cryptographic record data from the one or more elements of information relating to the event;

comparing the computed cryptographic record data with the cryptographic record from the message; and

determining whether the one or more elements of information relating to the event are correct based on the comparison.

11 . The method of claim 10 , wherein determining the one or more elements of information relating to the event comprises determining whole elements of information relating to the event from any partial elements of information relating to the event.

12 . The method of claim 10 , wherein the event comprises generation of a transaction record or transaction credentials.

13 . The method of claim 10 , wherein the one or more elements of information comprise a transaction counter.

14 . The method of claim 10 , wherein the one or more elements of information comprise an unpredictable number.

15 . The method of claim 10 , wherein the one or more elements of information comprise a key identifier.

16 . The method of claim 15 , wherein a change in the key identifier is synchronised with a change in the time information.

17 . The method of claim 15 , wherein a key identified by the key identifier is used in the computing of the cryptographic record data.

18 . The method of claim 10 , wherein determining whether the one or more elements of information relating to the event are correct based on the comparison comprises:

if the computed cryptographic record data and the cryptographic record from the message do not match, varying the time information; and

using the varied time information to redetermine the one or more elements of information relating to the event that had been combined with the time information to generate the dynamic expiration date.

19 . The method of claim 10 , wherein determining whether the one or more elements of information relating to the event are correct based on the comparison comprises:

if the computed cryptographic record data and the cryptographic record from the message do not match, varying at least one of the one or more elements of information; and

recomputing and comparing the cryptographic record data corresponding to a predetermined plan based on the at least one varied element of information until there is a successful match between the recomputed cryptographic record data and the cryptographic record from the message.

20 . The method of claim 10 , wherein the message further comprises one or more check bits for identification of the time information, and wherein the one or more check bits are used to provide correct time information before determining the one or more elements of information relating to the event.

21 . A computing node comprising:

one or more processors; and

at least one memory comprising program instructions which, when executed by the one or more processors, cause the one or more processors to:

obtain one or more elements of information relating to an event involving a payment card;

determine a cryptographic record of the event using the one or more elements of information;

combine at least one of the one or more elements with time information associated with a recordal of the event to generate a dynamic expiration date for the payment card; and

communicate a message including the cryptographic record and the dynamic expiration date to a validator, wherein the validator is configured to recover the one or more elements using the dynamic expiration date from the message and to validate that the one or more elements are correctly recovered by recalculating the cryptographic record from the one or more recovered elements and comparing the recalculated cryptographic record with the cryptographic record from the message.

Assignments (1)

Priority Claims (1)

Continuity (1)

References Cited (179)