Granted Patent B2

US 12,592,819 · App. 18/115,199 · Granted Mar 31, 2026

Inventors: Kevin Osborn (Newton Highlands, MA); Srinivasa Chigurupati (Long Grove, IL)

Assignee: Capital One Services, LLC

H04L9/088G06K7/10366

Abstract

Claims (46)

1 . A system, comprising:

at least one server comprising a processor and a memory storing instructions that, when executed by the processor, cause the processor to:

receive, via a client device, a membership cryptogram generated by a contactless card in communication with the client device during a transaction, the contactless card associated with at least one entity having a plurality of members and the membership cryptogram including membership information associated with the entity;

decrypt the membership cryptogram based on at least one key for the contactless card to determine a decryption result;

authenticate the membership cryptogram based on the decryption result, and responsive to authentication of the membership cryptogram:

determine a membership identifier for the transaction;

determine an entity identifier stored on the contactless card;

route the membership identifier to an entity back-end system identified by the entity identifier;

receive, from the entity back-end system, membership benefit information associated with the membership identifier; and

transmit membership benefit information to the client device to facilitate at least one membership function associated with the member for the transaction.

2 . The system of claim 1 , the membership information comprising a member identifier configured to identify a membership of a contactless card user with the at least one entity.

3 . The system of claim 1 , wherein the membership cryptogram includes the entity identifier configured to identify the at least one entity.

4 . The system of claim 1 , wherein the membership benefit information is received from a database of the entity back-end system.

5 . The system of claim 1 , the entity identifier determined based on the decryption result.

6 . The system of claim 1 , the at least one key comprising a set of membership keys.

7 . The system of claim 1 , the at least one entity comprising at least one of a retailer, a shopping club, or a member-based entity.

8 . The system of claim 1 , the at least one membership function comprising at least one of a discount, a reward, loyalty points, a coupon, a purchase privilege, or historical transaction information.

9 . A method, comprising, via at least one server of at least one back-end processing system:

receiving, via a client device, a membership cryptogram generated by a contactless card in communication with the client device during a transaction, the contactless card associated with at least one entity having a plurality of members and the membership cryptogram including membership information associated with the entity;

decrypting the membership cryptogram based on at least one key for the contactless card to determine a decryption result;

authenticating the membership cryptogram based on the decryption result; and

responsive to authentication of the membership cryptogram:

determining a membership identifier for the transaction;

determining an entity identifier stored on the contactless card;

routing the membership identifier to an entity back-end system identified by the entity identifier;

receiving, from the entity back-end system, membership benefit information associated with the membership identifier; and

transmitting membership benefit information to the client device to facilitate at least one membership function associated with the member for the transaction.

10 . The method of claim 9 , the membership information comprising a member identifier configured to identify a membership of a contactless card user with the at least one entity.

11 . The method of claim 9 , wherein the membership cryptogram includes the entity identifier configured to identify the at least one entity.

12 . The method of claim 9 , wherein the membership benefit information is received from a database of the entity back-end system.

13 . The method of claim 9 , the entity identifier determined based on the decryption result.

14 . The method of claim 9 , the at least one key comprising a set of membership keys.

15 . The method of claim 9 , the at least one entity comprising at least one of a retailer, a shopping club, or a member-based entity.

16 . The method of claim 9 , the at least one membership function comprising at least one of a discount, a reward, loyalty points, a coupon, a purchase privilege, or historical transaction information.

17 . The method of claim 9 , the at least one server comprising a card-issuer server and an entity server.

18 . A non-transitory computer-readable storage medium, the computer-readable storage medium comprising instructions that, when executed by a processor, cause the processor to:

receive, via a client device, a membership cryptogram generated by a contactless card in communication with the client device during a transaction, the contactless card associated with at least one partner entity having a plurality of members and the membership cryptogram including membership information associated with the entity;

decrypt the membership cryptogram based on at least one key for the contactless card to determine a decryption result;

authenticate the membership cryptogram based on the decryption result; and responsive to authentication of the membership cryptogram:

determine a membership identifier for the transaction;

determine an entity identifier stored on the contactless card;

route the membership identifier to an entity back-end system identified by the entity identifier;

receive, from the entity back-end system, membership benefit information associated with the membership identifier; and

transmit membership benefit information to the client device to facilitate at least one membership function associated with the member for the transaction.

19 . The non-transitory computer-readable storage medium of claim 18 , wherein the membership benefit information is received from a database of the entity back-end system.

20 . The non-transitory computer-readable storage medium of claim 18 , the at least one entity comprising at least one of a retailer, a shopping club, or a member-based entity.

Assignments (1)

Continuity (1)

References Cited (400)