IP Library › Granted Patent US 11,586,868
Granted Patent B2
US 11,586,868 · App. 17/108,932 · Granted Feb 21, 2023

Generating barcodes utilizing cryptographic techniques

Inventors: Jeffrey Rule (Chevy Chase, MD); Kevin Osborn (Newton, MA); Srinivasa Chigurupati (Long Grove, IL)
Assignee: Capital One Services, LLC
G06K19/06028G06F21/602G06K7/1413G06Q20/322G06Q20/38215
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Quick Facts
Patent No.
US 11,586,868
App. No.
17/108,932
Granted
Feb 21, 2023
Kind
B2
Abstract

Various embodiments are generally directed to secure generation of barcodes using cryptographic techniques. An application may receive a request to generate a barcode. The application may receive encrypted data from a communications interface of a contactless card associated with an account. The application may receive, from a server, verification of the encrypted data and an encrypted authorization token associated with the account. The application may generate the barcode utilizing the encrypted authorization token.

Claims (43)

1. An apparatus, comprising:

a processor circuit; and

a memory storing instructions which when executed by the processor circuit, cause the processor circuit to:

receive, by an application executing on the processor circuit, a request to generate a barcode;

receive, by the application, encrypted data from a communications interface of a contactless card associated with an account;

receive, by the application and from a server, verification of the encrypted data and an encrypted authorization token associated with the account; and

generate, by the application, the barcode utilizing the encrypted authorization token.

2. The apparatus of claim 1 , the memory storing instructions which when executed by the processor circuit, cause the processor circuit to:

display the barcode on a display device.

3. The apparatus of claim 1 , wherein the barcode is pre-configured by the authorization token to authorize a single transaction.

4. The apparatus of claim 3 , wherein the barcode and the authorization token are configured to expire after the authorization of the single transaction.

5. The apparatus of claim 4 , wherein the transaction is a payment transaction and the authorization token is a payment token, and wherein the payment token is associated with a monetary limit.

6. The apparatus of claim 1 , the memory storing instructions which when executed by the processor circuit, cause the processor circuit to:

decrypt, by the application, the encrypted authorization token to authorize a transaction.

7. The apparatus of claim 1 , the memory storing instructions which when executed by the processor circuit, cause the processor circuit to, prior to receiving the verification of the encrypted data:

transmit, by the application, the encrypted data to the server.

8. A non-transitory computer-readable storage medium storing instructions that when executed by a processor circuit cause the processor circuit to:

receive, by an application executing on the processor circuit, a request to generate a barcode;

receive, by the application, encrypted data from a communications interface of a contactless card associated with an account;

receive, by the application and from a server, verification of the encrypted data and an encrypted authorization token associated with the account; and

generate, by the application, the barcode utilizing the encrypted authorization token.

9. The medium of claim 8 , storing instructions that when executed by the processor circuit cause the processor circuit to:

display, by the application, the barcode on a display device.

10. The medium of claim 8 , wherein the barcode is pre-configured by the authorization token to authorize a single transaction.

11. The medium of claim 10 , wherein the barcode and the authorization token are configured to expire after the authorization of the single transaction.

12. The medium of claim 11 , wherein the transaction is a payment transaction and the authorization token is a payment token, and wherein the payment token is associated with a monetary limit.

13. The medium of claim 8 , storing instructions that when executed by the processor circuit cause the processor circuit to:

decrypt, by the application, the encrypted authorization token to authorize a transaction.

14. The medium of claim 8 , storing instructions that when executed by the processor circuit cause the processor circuit to, prior to receiving the verification of the encrypted data:

transmit, by the application, the encrypted data to the server.

15. A method, comprising:

receiving, by an application executing on a processor, a request to generate a barcode;

receiving, by the application, encrypted data from a communications interface of a contactless card associated with an account;

receiving, by the application and from a server, verification of the encrypted data and an encrypted authorization token associated with the account; and

generating, by the application, the barcode utilizing the encrypted authorization token.

16. The method of claim 15 , further comprising:

displaying, by the application, the barcode on a display.

17. The method of claim 15 , wherein the barcode is pre-configured by the authorization token to authorize a single transaction.

18. The method of claim 17 , wherein the barcode and the authorization token are configured to expire after the authorization of the single transaction.

19. The method of claim 18 , wherein the transaction is a payment transaction and the authorization token is a payment token, and wherein the payment token is associated with a monetary limit.

20. The method of claim 19 , further comprising:

transmitting, by the application, the encrypted data to the server prior to receiving the verification of the encrypted data; and

decrypting, by the application, the encrypted authorization token to authorize a transaction.

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Dec 4, 2020
From: RULE, JEFFREY; OSBORN, KEVIN; CHIGURUPATI, SRINIVASA
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 054542/0329 →
Continuity (2)
Division 16725843 · Dec 23, 2019
Related Publication 20210192301A1 · Jun 24, 2021
Cited By (1)
US 12,541,667