US 12,367,480 B2
Systems and methods for cryptographic authentication of contactless cards
Daniel Herrington, New York, NY (US); Rajko Ilincic, Annandale, VA (US); and Jeffrey Rule, Chevy Chase, MD (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Aug. 11, 2020, as Appl. No. 16/990,706.
Application 16/990,706 is a continuation of application No. 16/590,784, filed on Oct. 2, 2019, granted, now 10,783,519.
Application 16/590,784 is a continuation in part of application No. 16/205,119, filed on Nov. 29, 2018, granted, now 10,581,611.
Claims priority of provisional application 62/740,352, filed on Oct. 2, 2018.
Prior Publication US 2020/0372504 A1, Nov. 26, 2020
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/34 (2012.01); G06Q 20/38 (2012.01); G06Q 20/40 (2012.01); H04L 9/32 (2006.01); H04W 12/06 (2021.01)
CPC G06Q 20/352 (2013.01) [G06Q 20/382 (2013.01); G06Q 20/401 (2013.01); H04L 9/3234 (2013.01); H04W 12/06 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A transaction system, comprising:
a contactless card including a processor, a visual display, and a memory, wherein the contactless card is configured to:
display, on the visual display, a unique merchant identifier and a value to perform one or more transactions with a merchant, wherein the unique merchant identifier is assigned by a payment processor associated with at least one of the one or more transactions,
transmit, via near field communication (NFC), a request message comprising data for authentication of the contactless card and a transaction value associated with a merchant, to a client application, the request message being operative to initiate the client application to display a prompt for selection of a payment amount by a user; and
update, in response to a verification message received from the client application, the visual display by changing a first status of the visual display to a second status, wherein the verification message is based on authentication of the contactless card and processing of the payment amount selected by the user.