US 12,483,414 B2
Systems and methods for cryptographic authentication of contactless cards
Kevin Osborn, Newton Highlands, MA (US); Jeffrey Rule, Chevy Chase, MD (US); Paul Moreton, Glen Allen, VA (US); William Duane, Westford, MA (US); Colin Hart, Arlington, VA (US); Kaitlin Newman, Washington, DC (US); Lara Mossler, Farmville, VA (US); Daniel Herrington, New York, NY (US); Srinivasa Chigurupati, Long Grove, IL (US); Ian Prince, Toronto (CA); 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 Jul. 29, 2024, as Appl. No. 18/787,250.
Application 18/787,250 is a continuation of application No. 17/845,204, filed on Jun. 21, 2022.
Application 17/845,204 is a continuation of application No. 16/858,357, filed on Apr. 24, 2020, granted, now 11,502,844, issued on Nov. 15, 2022.
Application 16/858,357 is a continuation of application No. 16/657,813, filed on Oct. 18, 2019, granted, now 10,778,437, issued on Sep. 15, 2020.
Application 16/657,813 is a continuation 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 2024/0405996 A1, Dec. 5, 2024
This patent is subject to a terminal disclaimer.
Int. Cl. H04L 9/32 (2006.01); G06Q 20/20 (2012.01); G06Q 20/32 (2012.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01); H04L 9/08 (2006.01); H04L 9/14 (2006.01); H04L 9/40 (2022.01)
CPC H04L 9/3234 (2013.01) [G06Q 20/204 (2013.01); G06Q 20/3226 (2013.01); G06Q 20/3278 (2013.01); G06Q 20/352 (2013.01); G06Q 20/40 (2013.01); H04L 9/0866 (2013.01); H04L 9/14 (2013.01); H04L 9/3228 (2013.01); H04L 9/3242 (2013.01); H04L 63/0853 (2013.01)] 30 Claims
OG exemplary drawing
 
1. A method, comprising:
generating, by a contactless card, encoded data using cryptography with a first key stored on the card;
transmitting, by the contactless card after entry into a contactless communication field, card data comprising the encoded data to a client device;
receiving, by a server, the card data from the client device;
verifying, by the server, the encoded data using a second key associated with the first key;
activating, by the server upon a successful verification, the contactless card;
transmitting, by the server, a return message based on the activation of the contactless card; and
discontinuing, by the contactless card after activation by the server, the generation of data.