US 12,367,481 B2
Server-side contactless card activation
Jeffrey Rule, Chevy Chase, MD (US); and Wayne Lutz, Fort Washington, MD (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Nov. 30, 2023, as Appl. No. 18/524,866.
Application 18/524,866 is a continuation of application No. 17/751,878, filed on May 24, 2022, granted, now 11,880,823.
Application 17/751,878 is a continuation of application No. 17/088,399, filed on Nov. 3, 2020, granted, now 11,373,169, issued on Jun. 28, 2022.
Prior Publication US 2024/0095716 A1, Mar. 21, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/34 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/354 (2013.01) [G06Q 20/352 (2013.01); G06Q 20/3829 (2013.01); G06Q 2220/00 (2013.01)] 18 Claims
OG exemplary drawing
 
1. A method, comprising:
transmitting, by a server to a web browser on a client device, a web page;
receiving, by the server from the web browser, an activation request to activate a contactless card, the activation request comprising both encrypted data and unencrypted data associated with the contactless card;
encrypting, by the server, an incremented counter value and a card master key associated with the unencrypted data to generate a diversified key;
decrypting, by the server based on the diversified key, the encrypted data;
transitioning, by the server based on decrypting the encrypted data, the contactless card from an inactive payment state to an active payment state by storing an indication in a database that the contactless card is in the active payment state; and
transmitting, by the server to the web page and based on transitioning the contactless card from the inactive payment state to the activated payment state, an indication to activate a payment applet of the contactless card.