Granted Patent B2

US 12,494,915 · App. 18/213,197 · Granted Dec 9, 2025

Inventors: James Ashfield (Midlothian, VA); William Duane (Westford, MA); Kevin Osborn (Newton Highlands, MA)

Assignee: Capital One Services, LLC

H04L9/3234H04L9/14H04L9/3213H04L9/3228

Abstract

Claims (39)

1 . A method for authentication, comprising:

adjusting, by a processor, a counter at one or more intervals in a non-monotonic sequence;

generating, by the processor, a one-time password; and

transmitting, by the processor, the one-time password for authentication,

wherein the counter determines a number of cryptographic operations performed to generate the one-time password.

2 . The method of claim 1 , wherein the non-monotonic sequence is created by one or more cryptographic algorithms.

3 . The method of claim 2 , further comprising truncating, by the processor, an output of the one or more crytographic algorithms to derive the counter.

4 . The method of claim 3 , further comprising incrementing and encrypting, by the processor, the truncated output to obtain one or more additional counters.

5 . The method of claim 4 , wherein the method further comprises repeating, by the processor, incrementing and encrypting the truncated output for each instance a counter is required.

6 . The method of claim 2 , wherein the one or more cryptographic algorithms are selected to avoid wrapping of the counter.

7 . The method of claim 2 , wherein the one or more cryptographic algorithms are selected to avoid a collision of counter values.

8 . The method of claim 2 , wherein the one or more cryptographic algorithms comprise a cryptographic hashing function.

9 . The method of claim 1 , wherein adjusting the counter comprises:

incrementing, by the processor, the counter by a first value for a first account, and

decrementing, by the processor, the counter by a second value for a second account.

10 . The method of claim 1 , wherein adjusting the counter comprises incrementing the counter at the one or more intervals in the non-monotonic sequence.

11 . The method of claim 1 , wherein adjusting the counter comprises decrementing the counter at the one or more intervals in the non-monotonic sequence.

12 . The method of claim 1 , wherein the processor adjusts the counter for each generation of the one-time password.

13 . A contactless card, comprising:

a processor, and

a memory, the memory containing a counter,

wherein the contactless card is configured to:

adjust the counter at one or more intervals in a non-monotonic sequence,

generate a one-time password, and

transmit the one-time password for authentication,

wherein the counter determines a number of cryptographic operations performed to generate the one-time password.

14 . The contactless card of claim 13 , wherein the one or more intervals in the non-monotonic sequence correspond to an output of an encryption algorithm.

15 . The contactless card of claim 14 , wherein the encryption algorithm is configured to encrypt a unique one-time password sequence by varying a staring value of the counter.

16 . The contactless card of claim 14 , wherein the encryption algorithm comprises a forward linear hash.

17 . A computer readable non-transitory medium comprising computer executable instructions that, when executed on a processor, cause the processor to perform procedures comprising the steps of:

adjusting a counter at one or more intervals in a non-monotonic sequence;

generating a one-time password; and

transmitting the one-time password for authentication,

wherein the counter determines a number of cryptographic operations performed to generate the one-time password.

18 . The computer readable non-transitory medium of claim 17 , the procedures further comprising seeding a cryptographic algorithm to derive the non-monotonic sequence.

19 . The computer readable non-transitory medium of claim 18 , wherein a seed comprising account information associated with a contactless card.

20 . The computer readable non-transitory medium of claim 17 , wherein:

adjusting the counter comprises at least one selected from the group of incrementing the counter and decrementing the counter, and

the procedures further comprise seeding a cryptographic algorithm to determine at least one selected from the group of an increment value and a decrement value.

Assignments (1)

Continuity (6)

References Cited (400)