US 12,014,354 B1
Systems and methods for a transaction card having a cryptographic key
Deana Cook, Wilmington, DE (US); Darrell L. Suen, San Ramon, CA (US); and William E. Wheeler, San Francisco, CA (US)
Assigned to Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed by Wells Fargo Bank, N.A., San Francisco, CA (US)
Filed on Mar. 6, 2023, as Appl. No. 18/117,654.
Application 18/117,654 is a continuation of application No. 16/703,513, filed on Dec. 4, 2019, granted, now 11,599,871.
Claims priority of provisional application 62/902,247, filed on Sep. 18, 2019.
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/34 (2012.01); G06F 16/955 (2019.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); H04L 9/32 (2006.01)
CPC G06Q 20/354 (2013.01) [G06F 16/9566 (2019.01); G06Q 20/204 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/341 (2013.01); G06Q 20/352 (2013.01); G06Q 20/38215 (2013.01); G06Q 20/4012 (2013.01); G06Q 20/40145 (2013.01); H04L 9/3213 (2013.01); H04L 9/3226 (2013.01); H04L 9/3234 (2013.01); G06Q 2220/00 (2013.01); H04L 2209/56 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method of accessing an account, the method comprising:
receiving, by a processing circuit from a customer device associated with a customer, randomly generated seed information and an encrypted cryptographic key or token generated by a contactless card using the seed information via a contactless communication between the contactless card and the customer device;
determining, by the processing circuit, whether the randomly generated seed information matches previously received seed information;
decrypting, by the processing circuit, the encrypted cryptographic key or token using a decryption process that includes the seed information and the encrypted cryptographic key or token as inputs in response to determining that the randomly generated seed information does not match previously received seed information;
identifying, by the processing circuit, the customer associated with the contactless card based on the decrypted cryptographic key or token; and
providing, by the processing circuit to the customer device, access to the account in response to identifying the customer.