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公开(公告)号：WO2020072419A1
公开(公告)日：2020-04-09
申请号：PCT/US2019/053957
申请日：2019-10-01
Applicant: CAPITAL ONE SERVICES, LLC
Inventor： RULE, Jeffrey , ASHFIELD, James , CHIGURUPATI, Srinivasa , OSBORN, Kevin
Abstract: Example embodiments of systems and methods for contactless card verification include a contactless card including a substrate, a processor, and a memory, wherein the memory contains a first applet and a second applet, and a recipient device in data communication with the contactless card, wherein the second applet is configured to retrieve one or more parameters from the first applet via an interface; and wherein the second applet is configured to transmit the one or more parameters to the recipient device for verification.
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公开(公告)号：WO2020072373A1
公开(公告)日：2020-04-09
申请号：PCT/US2019/053849
申请日：2019-09-30
Applicant: CAPITAL ONE SERVICES, LLC
Inventor： NEWMAN, Kaitlin , HART, Colin , RULE, Jeffrey , MOSSLER, Lara , BERMUDEZ, Sophie , MOSSOBA, Michael , LUTZ, Wayne , CRANK, Charles, Nathan , HENG, Melissa , OSBORN, Kevin , HAYNES, Kimberly , COGSWELL, Andrew , GULATI, Latika , CUNNINGHAM, Sarah, Jane , ASHFIELD, James
Abstract: Example embodiments of systems and methods for secure communication between transmitting and receiving devices are provided. In an embodiment, a method can include initiating an operation, pausing the operation until a user identification has been authenticated, authenticating the user identification after entry of a transmitting device into a communication field of a receiving device and transmission encrypted identification data from the transmitting device to a receiving device application, and completing the operation.
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公开(公告)号：WO2020072403A1
公开(公告)日：2020-04-09
申请号：PCT/US2019/053936
申请日：2019-10-01
Applicant: CAPITAL ONE SERVICES, LLC
Inventor： RULE, Jeffrey , HENG, Melissa , LUTZ, Wayne , ASHFIELD, James , HART, Colin , ILINCIC, Rajko
Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory, which may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card via a designated email program. Upon validation of the first set of information by the one or more servers, the contactless card may be activated.
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公开(公告)号：WO2020072340A1
公开(公告)日：2020-04-09
申请号：PCT/US2019/053736
申请日：2019-09-30
Applicant: CAPITAL ONE SERVICES, LLC
Inventor： RULE, Jeffrey , HENG, Melissa , ASHFIELD, James , HART, Colin , ILINCIC, Rajko , LUTZ, Wayne
Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.
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Patent Agency Ranking
公开(公告)号：WO2020072430A1
公开(公告)日：2020-04-09
申请号：PCT/US2019/053971
申请日：2019-10-01
Applicant: CAPITAL ONE SERVICES, LLC
Inventor： ASHFIELD, James , DUANE, William , OSBORN, Kevin
Abstract: Example embodiments of systems and methods for data transmission between contactless cards and receiving devices are provided. In an embodiment, a contactless card may be configured to create a cryptogram based on a plurality of keys and a counter. The cryptogram may be transmitted to a receiving device. The contactless card may be configured to transmit a one-time password to the receiving device. The counter value may be adjusted each time the one-time password is generated, and the counter may be configured to increment in a non-monotonic sequence, the sequence associated with one or more cryptographic algorithms.
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6.发明申请
公开(公告)号：WO2023003649A1
公开(公告)日：2023-01-26
申请号：PCT/US2022/032762
申请日：2022-06-09
Applicant: CAPITAL ONE SERVICES, LLC
Inventor： BOWERS, Justin Anthony , ASHFIELD, James , HENG, Melissa
Abstract: Embodiments are generally directed to systems, devices, and techniques to authenticate unauthenticated users to perform sensitive actions.
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公开(公告)号：WO2020072424A1
公开(公告)日：2020-04-09
申请号：PCT/US2019/053963
申请日：2019-10-01
Applicant: CAPITAL ONE SERVICES, LLC
Inventor： OSBORN, Kevin , RULE, Jeffrey , ASHFIELD, James , CHIGURUPATI, Srinivasa
IPC: G06Q20/00
Abstract: Example embodiments of systems and methods for data transmission and authorizing transactions between transmitting and receiving devices are provided. In an embodiment, a method includes generating a request for at least one authentication factor when a value of the transaction exceeds a predetermined value, wherein the at least one authentication factor includes a cryptogram, receiving an authentication signal, the authentication signal including the cryptogram, and authorizing a transaction when the authentication signal is received.
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公开(公告)号：WO2020072575A1
公开(公告)日：2020-04-09
申请号：PCT/US2019/054186
申请日：2019-10-02
Applicant: CAPITAL ONE SERVICES, LLC
Inventor： OSBORN, Kevin , ASHFIELD, James , CHIGURUPATI, Srinivasa , RULE, Jeffrey
IPC: H04L29/06
Abstract: Example embodiments of systems and methods for data transmission between a contactless card and a client device in support of a FIDO authentication are provided. In an embodiment, upon receipt of a challenge issued by a server in connection with a pending transaction, the contactless card may authorize the client device to utilize a FIDO private key to respond to the challenge. If the response to the challenge is successful, the FIDO authentication may proceed and the transaction may be completed.
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公开(公告)号：WO2020072413A1
公开(公告)日：2020-04-09
申请号：PCT/US2019/053950
申请日：2019-10-01
Applicant: CAPITAL ONE SERVICES, LLC
Inventor： OSBORN, Kevin , ASHFIELD, James , RULE, Jeffrey
Abstract: Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The memory of the contactless card may include one or more applets and a counter. The client device may be in data communication with the contactless card and one or more servers, and the one or more servers may include an expected counter value. The client device maybe configured to read the counter from the contactless card and transmit it to the one or more servers. The one or more servers may compare the counter to the expected counter value for synchronization. The contactless card and the one or more servers may resynchronize the counter, via one or more processes, based on one or more reads of the one or more applets. The one or more servers may authenticate the contactless card based on the resynchronization.
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