US 12,147,977 B2
Systems and methods for cryptographic authentication of contactless cards
Kevin Osborn, Newton, MA (US); Jeffrey Rule, Chevy Chase, MD (US); James Ashfield, Midlothian, 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 Nov. 3, 2021, as Appl. No. 17/518,046.
Application 17/518,046 is a continuation of application No. 17/459,121, filed on Aug. 27, 2021.
Application 17/459,121 is a continuation of application No. 16/653,420, filed on Oct. 15, 2019, granted, now 11,144,915, issued on Oct. 12, 2021.
Application 16/653,420 is a continuation of application No. 16/351,365, filed on Mar. 12, 2019, granted, now 10,489,781, issued on Nov. 26, 2019.
Application 16/351,365 is a continuation in part of application No. 16/205,119, filed on Nov. 29, 2018, granted, now 10,581,611, issued on Mar. 3, 2020.
Claims priority of provisional application 62/740,352, filed on Oct. 2, 2018.
Prior Publication US 2022/0058645 A1, Feb. 24, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/38 (2012.01); G06Q 20/34 (2012.01); H04L 9/08 (2006.01)
CPC G06Q 20/38215 (2013.01) [G06Q 20/352 (2013.01); G06Q 20/3829 (2013.01); H04L 9/0822 (2013.01); H04L 2209/56 (2013.01)] 26 Claims
OG exemplary drawing
 
1. A contactless card to perform operations with at least two applets, comprising:
a contactless interface;
a memory configured to store a first applet comprising first instructions and a second applet comprising second instructions; and
processing circuitry coupled with the memory and the contactless interface, the processing circuitry configured to process the first instructions and the second instructions,
wherein the first instructions, when executed by the processing circuitry, cause the processing circuitry to communicate first data to perform payment operations in accordance with a EMV protocol, and
wherein the second instructions, when executed by the processing circuitry, cause the processing circuitry to communicate second data to perform authentication operations.