IP Library › Granted Patent US 12,541,667
Granted Patent B2
US 12,541,667 · App. 18/407,653 · Granted Feb 3, 2026

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 12,541,667
App. No.
18/407,653
Granted
Feb 3, 2026
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 (35)

1 . A method, comprising:

receiving, by an application executing on a processor, data from a contactless card associated with an account;

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

generating, by the application, a scannable code utilizing the authorization token.

2 . The method of claim 1 , further comprising:

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

3 . The method of claim 1 , further comprising:

transmitting, by the application, the data to the server prior to receiving the verification of the data.

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

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

6 . The method of claim 5 , wherein the single transaction is a payment transaction and the authorization token is a payment token.

7 . The method of claim 6 , wherein the payment token is associated with a monetary limit.

8 . The method of claim 1 , wherein the contactless card comprises one or more Near Field Communication (NFC) Data Exchange Format (NDEF) tags, wherein the data is received from the one or more NDEF tags using Near Field Communication (NFC).

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

receive data from a contactless card associated with an account;

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

generate a scannable code utilizing the authorization token.

10 . The non-transitory computer-readable storage medium of claim 9 , wherein the instructions further cause the processor to:

display the scannable code on a display.

11 . The non-transitory computer-readable storage medium of claim 9 , wherein the scannable code is pre-configured by the authorization token to authorize a single transaction.

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

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

14 . The non-transitory computer-readable storage medium of claim 9 , wherein the contactless card comprises one or more Near Field Communication (NFC) Data Exchange Format (NDEF) tags, wherein the data is received from the one or more NDEF tags using Near Field Communication (NFC).

15 . A computing apparatus comprising:

a processor; and

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

receive data from a contactless card associated with an account;

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

generate a scannable code utilizing the authorization token.

16 . The computing apparatus of claim 15 , wherein the instructions further cause the processor to:

display the scannable code on a display.

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

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

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

20 . The computing apparatus of claim 15 , wherein the contactless card comprises one or more Near Field Communication (NFC) Data Exchange Format (NDEF) tags, wherein the data is received from the one or more NDEF tags using Near Field Communication (NFC).

Assignments (1)
ASSIGNMENT OF ASSIGNOR'S INTEREST Recorded Feb 26, 2024
From: RULE, JEFFREY; OSBORN, KEVIN; CHIGURUPATI, SRINIVASA
To: CAPITAL ONE SERVICES , LLC
Reel/Frame 066561/0802 →
Continuity (4)
Continuation 18098914 · Jan 19, 2023
Continuation 17108932 · Dec 1, 2020
Division 16725843 · Dec 23, 2019
Related Publication 20240232558A1 · Jul 11, 2024
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