IP Library › Granted Patent US 11,900,193
Granted Patent B2
US 11,900,193 · App. 18/098,914 · Granted Feb 13, 2024

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 11,900,193
App. No.
18/098,914
Granted
Feb 13, 2024
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 scannable code;

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 scannable code 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 scannable code on a display device.

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

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

5. The apparatus of claim 4 , wherein the single transaction is a payment transaction and the encrypted 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 scannable code;

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 scannable code utilizing the encrypted authorization token.

9. The non-transitory computer-readable storage medium of claim 8 , storing instructions that when executed by the processor circuit cause the processor circuit to:

display, by the application, the scannable code on a display device.

10. The non-transitory computer-readable storage medium of claim 8 , wherein the scannable code is pre-configured by the encrypted authorization token to authorize a single transaction.

11. The non-transitory computer-readable storage medium of claim 10 , wherein the scannable code and the encrypted authorization token are configured to expire after the authorization of the single transaction.

12. The non-transitory computer-readable storage medium of claim 11 , wherein the single transaction is a payment transaction and the encrypted authorization token is a payment token, and wherein the payment token is associated with a monetary limit.

13. The non-transitory computer-readable storage 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 non-transitory computer-readable storage 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 scannable code;

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 scannable code utilizing the encrypted authorization token.

16. The method of claim 15 , further comprising:

displaying, by the application, the scannable code on a display.

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

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

19. The method of claim 18 , wherein the single transaction is a payment transaction and the encrypted 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 Jan 19, 2023
From: RULE, JEFFREY; OSBORN, KEVIN; CHIGURUPATI, SRINIVASA
To: CAPITAL ONE SERVICES, LLC
Reel/Frame 062423/0681 →
Continuity (3)
Continuation 17108932 · Dec 1, 2020
Division 16725843 · Dec 23, 2019
Related Publication 20230153560A1 · May 18, 2023
Cited By (1)
US 12,541,667