US 12,143,515 B2
Systems and methods for transaction card-based authentication
Kevin Osborn, Newton Highlands, MA (US); Samuel Patrick Edwards, Richmond, VA (US); and Vincent Vy Ngo, McLean, VA (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Mar. 26, 2021, as Appl. No. 17/214,073.
Prior Publication US 2022/0311627 A1, Sep. 29, 2022
Int. Cl. H04L 29/06 (2006.01); H04L 9/08 (2006.01); H04L 9/32 (2006.01); H04L 9/40 (2022.01)
CPC H04L 9/3271 (2013.01) [H04L 9/0894 (2013.01); H04L 9/3247 (2013.01); H04L 9/3263 (2013.01); H04L 63/0884 (2013.01); H04L 2209/805 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A method of communicating with a transaction card having a card data processor, a near field communication (NFC) interface, and a card memory having a unique card identifier stored therein, the method comprising:
establishing, by a user communication device, a first NFC session with the transaction card, wherein the transaction card comprises a microprocessor chip further comprising an NFC interface configured to communicated with the user communication device;
transmitting, by the user communication device to the transaction card, a WRITE TAG command including session-specific challenge information;
transmitting, by the user communication device to the transaction card, a READ TAG command, wherein the READ TAG command is transmitted within a maximum time interval from transmission of the WRITE TAG or after the maximum time interval from transmission of the WRITE TAG command;
receiving, by the user communication device from the transaction card responsive to the transmission of the READ TAG command within the maximum time interval, the unique card identifier and card-specific challenge response information comprising a digital signature generated from the session-specific challenge information;
receiving, by the user communication device from the transaction card responsive to the transmission of the READ TAG command after the maximum time interval, an error message; and
authenticating, by the user communication device after receipt of the card-specific challenge response information, the transaction card using the card-specific challenge response information.