Granted Patent B2

US 12,260,393 · App. 18/922,235 · Granted Mar 25, 2025

Inventors: Jeffrey Rule (Chevy Chase, MD); Kaitlin J. Newman (Washington, DC); Wayne David Lutz (Fort Washington, MD); Kevin Grant Osborn (Newton Highlands, MA); Paul Moreton (Glen Allen, VA)

Assignee: CAPITAL ONE SERVICES, LLC

G06Q20/352G06Q20/3226G06Q20/353G06Q20/3829G06Q2220/123

Abstract

Claims (82)

1. A card comprising:

one or more antennas;

one or more processors;

non-transitory memory in communication with the one or more processors and storing instructions and one or more applications that, when executed, cause the one or more processors to perform the steps of:

receiving one or more preloaded credentials;

receiving, via at least one of the one or more antennas, first data of a first data type, the first data type corresponding to transaction data;

generating, via a first application configured to process data of the first data type, a first response to the first data;

transmitting, via at least one of the one or more antennas, the first response;

receiving, via at least one of the one or more antennas, second data of a second data type, the second data type corresponding to authentication data and having a non-Europay-Mastercard-Visa (EMV) format;

generating, via a second application configured to process responses to data of the second data type, a second response to the second data using the one or more preloaded credentials; and

transmitting, via at least one of the one or more antennas, the second response.

2. The card of claim 1 , wherein:

the card is a contactless payment card, and

the second response is transmitted to a mobile device,

the first response comprises Europay-Mastercard-Visa (EMV) payment data.

3. The card of claim 2 , wherein:

the second response is used to launch an application on the mobile device, activate an application on the mobile device, download an application on the mobile device, authenticate an identity of a user of the mobile device, access an application on the mobile device, access restricted options of an application on the mobile device, or combinations thereof.

4. The card of claim 2 , wherein:

the first application is unable to access the second data, and

the second application is unable to access the first data.

5. The card of claim 4 , wherein:

the one or more preloaded credentials are received at personalization or pre-personalization, and

the one or more preloaded credentials comprise a key stored on the card prior to card issuance.

6. The card of claim 4 , wherein:

the memory stores further instructions that are configured to cause the card to transmit, via at least one of the one or more antennas, a public key of a key pair stored the memory to the mobile device; and

the second data comprises instructions to generate a digital signature, the instructions corresponding to the public key.

7. The card of claim 6 , wherein:

generating the second response comprises generating the digital signature using a private key of the key pair stored in the memory, and

the second response comprises the digital signature.

8. A method comprising:

receiving one or more preloaded credentials;

receiving, via at least one or more antennas of the card, first data of a first data type, the first data type corresponding to transaction data;

generating, via a first application of the card configured to process data of the first data type, a first response to the first data;

transmitting, via at least one of the one or more antennas, the first response;

receiving, via at least one of the one or more antennas, second data of a second data type, the second data type corresponding to authentication data and having a non-Europay-Mastercard-Visa (EMV) format;

generating, via a second application of the card configured to process responses to data of the second data type, a second response to the second data using the one or more preloaded credentials; and

transmitting, via at least one of the one or more antennas, the second response.

9. The method of claim 8 , further comprising:

transmitting the second response to a mobile device, and

wherein:

the card is a contactless payment card, and

the first response comprises Europay-Mastercard-Visa (EMV) payment data.

10. The method of claim 9 , wherein:

the second response is used to launch an application on the mobile device, activate an application on the mobile device, download an application on the mobile device, authenticate an identify of a user of the mobile device, access an application on the mobile device, access restricted options of an application on the mobile device, or combinations thereof.

11. The method of claim 9 , wherein:

the first application is unable to access the second data, and

the second application is unable to access the first data.

12. The method of claim 11 , wherein:

the one or more preloaded credentials are received at personalization or pre-personalization, and

the one or more preloaded credentials comprise a key stored on the card prior to card issuance.

13. The method of claim 12 , further comprising:

transmitting, via at least one of the one or more antennas, a public key of a key pair stored in a memory of the card to the mobile device; and

wherein the second data comprises instructions to generate a digital signature, the instructions corresponding to the public key.

14. The method of claim 13 , wherein:

generating the second response comprises generating the digital signature using a private key of the key pair stored in the memory, and

the second response comprises the digital signature.

15. A non-transitory computer readable medium storing program instructions that when executed by one or more processors cause a transaction card to perform the steps of:

receiving one or more preloaded credentials;

receiving, via at one or more antennas, first data of a first data type, the first data type corresponding to transaction data;

generating, via a first application configured to process data of the first data type, a first response to the first data;

transmitting, via at least one of the one or more antennas, the first response;

receiving, via at least one of the one or more antennas, second data of a second data type, the second data type corresponding to authentication data and having a non-Europay-Mastercard-Visa (EMV) format;

generating, via a second application configured to process responses to data of the second data type, a second response to the second data using the one or more preloaded credentials; and

transmitting, via at least one of the one or more antennas, the second response.

16. The non-transitory computer readable medium of claim 15 , wherein:

the transaction card is a contactless payment card, and

the second response is transmitted to a mobile device,

the first response comprises Europay-Mastercard-Visa (EMV) payment data.

17. The non-transitory computer readable medium of claim 16 , wherein:

the second response is used to launch an application on the mobile device, activate an application on the mobile device, download an application on the mobile device, authenticate an identify of a user of the mobile device, access an application on the mobile device, access restricted options of an application on the mobile device, or combinations thereof.

18. The non-transitory computer readable medium of claim 16 , wherein:

the first application is unable to access the second data, and

the second application is unable to access the first data.

19. The non-transitory computer readable medium of claim 16 , wherein:

the one or more preloaded credentials are received at personalization or pre-personalization, and

the one or more preloaded credentials comprise a key stored on the card prior to card issuance.

20. The non-transitory computer readable medium of claim 16 , further comprising:

transmitting, via at least one of the one or more antennas, a public key of a key pair stored in a memory of the transaction card to the mobile device; and

wherein:

the second data comprises instructions to generate a digital signature, the instructions corresponding to the public key,

generating the second response comprises generating the digital signature using a private key of the key pair stored in the memory, and

the second response comprises the digital signature.

Assignments (1)

Continuity (7)

References Cited (400)