US 12,289,396 B2
Parallel secret salt generation and authentication for encrypted communication
Kevin Osborn, Henrico, VA (US); James Zarakas, Centreville, VA (US); Mark C. Dupuis, McLean, VA (US); and Srinivasa Chigurupati, Long Grove, IL (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Aug. 18, 2022, as Appl. No. 17/890,628.
Prior Publication US 2024/0064004 A1, Feb. 22, 2024
Int. Cl. H04L 9/08 (2006.01)
CPC H04L 9/0819 (2013.01) [H04L 9/0844 (2013.01); H04L 9/085 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A card comprising:
a data processor;
a communication interface configured for contact or contactless communication with an intermediary processing device; and
a card memory having stored therein
a shared secret master key and a unique card identifier, and
a message encryption application comprising instructions for the data processor to
generate a shared secret value using the unique card identifier and the shared secret master key,
generate a message authentication code using the shared secret value,
encrypt at least a portion of message content using a first session key to produce encrypted message content,
encrypt the message authentication code,
transmit, to the intermediary processing device for retransmission to a receiving communication processing system, a message comprising the encrypted message content and the encrypted message authentication code.