Visa Inc.
METHODS FOR SECURE CREDENTIAL PROVISIONING

Abstract:

Embodiments can provide methods for securely provisioning sensitive credential data, such as a limited use key (LUK) onto a user device. In some embodiments, the credential data can be encrypted using a separate storage protection key and decrypted only at the time of a transaction to generate a cryptogram for the transaction. Thus, end-to-end protection can be provided during the transit and storage of the credential data, limiting the exposure of the credential data only when the credential data is required, thereby reducing the risk of compromise of the credential data.