US 11,922,417 B2
Systems and methods for near field contactless card communication and cryptographic authentication
Jeffrey Rule, Chevy Chase, MD (US); Gaurang Bhatt, Herndon, VA (US); Lukiih Cuan, Washington, DC (US); and Rocky Guo, Falls Church, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Dec. 6, 2022, as Appl. No. 18/076,235.
Application 18/076,235 is a continuation of application No. 17/161,424, filed on Jan. 28, 2021, granted, now 11,562,358.
Prior Publication US 2023/0169503 A1, Jun. 1, 2023
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/401 (2013.01) [G06Q 20/3278 (2013.01); G06Q 20/352 (2013.01); G06Q 20/38215 (2013.01); G06Q 2220/00 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method for secure data communication, comprising:
receiving, by a server, a cryptogram, the cryptogram comprising user identification information;
performing, by the server, a first factor authentication, wherein the first factor authentication comprises:
decrypting, by the server, the cryptogram, and
verifying by the server, the user identification information;
transmitting, by the server in response to a successful first factor authentication, a first message to an application executing on a device;
receiving, by the server, a data set from the application;
performing, by the server, a second factor authentication comprising verifying the data set; and
generating, by the server, a second message indicative of a two factor authentication.