US Patent Issued to Visa International Service Association on Nov. 11 for "Limited-use keys and cryptograms" (American, French Inventors)

ALEXANDRIA, Va., Nov. 11 -- United States Patent no. 12,469,021, issued on Nov. 11, was assigned to Visa International Service Association (San Francisco).

"Limited-use keys and cryptograms" was invented by Hao Ngo (San Jose, Calif.), Christian Aabye (Foster City, Calif.), John Sheets (San Francisco) and Oleg Makhotin (Paris).

According to the abstract* released by the U.S. Patent & Trademark Office: "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 i...