Visa Inc.
System, method, and computer program product for mobile device transactions

Abstract:

Provided is a system, method, and computer program product for conducting a transaction with a mobile device. The method includes generating, on the mobile device, a limited use key based at least partially on at least one biometric input from a user, receiving, on the mobile device, transaction data from a point-of-sale system via a direct wireless communication with the mobile device, the transaction data corresponding to a transaction between the user and a merchant, generating, on the mobile device, a cryptogram based at least partially on the limited use key and the transaction data, and communicating, from the mobile device, the cryptogram to the point-of-sale system via the direct wireless communication.