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1. WO2020072353 - SYSTEMS AND METHODS FOR CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS

Publication Number WO/2020/072353
Publication Date 09.04.2020
International Application No. PCT/US2019/053794
International Filing Date 30.09.2019
IPC
G06F 21/31 2013.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
G06F 21/34 2013.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
34involving the use of external additional devices, e.g. dongles or smart cards
G06F 21/35 2013.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
34involving the use of external additional devices, e.g. dongles or smart cards
35communicating wirelessly
G06F 21/43 2013.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
30Authentication, i.e. establishing the identity or authorisation of security principals
31User authentication
42using separate channels for security data
43wireless channels
G06F 21/71 2013.01
GPHYSICS
06COMPUTING; CALCULATING OR COUNTING
FELECTRIC DIGITAL DATA PROCESSING
21Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
70Protecting specific internal or peripheral components, in which the protection of a component leads to protection of the entire computer
71to assure secure computing or processing of information
H04L 9/00 2006.01
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Arrangements for secret or secure communication
CPC
G06Q 20/352
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
30characterised by the use of specific devices
34using cards, e.g. integrated circuit [IC] cards or magnetic cards
352Contactless payments by cards
G06Q 20/38215
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
3821Electronic credentials
38215Use of certificates or encrypted proofs of transaction rights
G06Q 20/3829
GPHYSICS
06COMPUTING; CALCULATING; COUNTING
QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
20Payment architectures, schemes or protocols
38Payment protocols; Details thereof
382insuring higher security of transaction
3829involving key management
H04L 2209/56
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
2209Additional information or applications relating to cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00
56Financial cryptography, e.g. electronic payment or e-cash
H04L 9/0822
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Cryptographic mechanisms or cryptographic; arrangements for secret or secure communication
08Key distribution ; or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
0816Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
0819Key transport or distribution, i.e. key establishment techniques where one party creates or otherwise obtains a secret value, and securely transfers it to the other(s)
0822using key encryption key
H04L 9/0838
HELECTRICITY
04ELECTRIC COMMUNICATION TECHNIQUE
LTRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION
9Cryptographic mechanisms or cryptographic; arrangements for secret or secure communication
08Key distribution ; or management, e.g. generation, sharing or updating, of cryptographic keys or passwords
0816Key establishment, i.e. cryptographic processes or cryptographic protocols whereby a shared secret becomes available to two or more parties, for subsequent use
0838Key agreement, i.e. key establishment technique in which a shared key is derived by parties as a function of information contributed by, or associated with, each of these
Applicants
  • CAPITAL ONE SERVICES, LLC [US]/[US]
Inventors
  • NEWMAN, Kaitlin
  • HAYNES, Kimberly
  • CRANK, Charles, Nathan
  • COGSWELL, Andrew
  • HART, Colin
  • RULE, Jeffrey
  • MOSSLER, Lara
  • GULATI, Latika
  • BENKREIRA, Abdelkader
  • CUNNINGHAM, Sarah Jane
  • BERMUDEZ, Sophie
  • MOSSOBA, Michael
  • LUTZ, Wayne
Agents
  • KASNEVICH, Andrew D.
  • BILLAH, Zaed
  • FAIRBANKS, R., Dennis
  • FARRES, Ozzie, A.
  • BAKER, David, E.
Priority Data
16/205,11929.11.2018US
16/351,40112.03.2019US
62/740,35202.10.2018US
Publication Language English (EN)
Filing Language English (EN)
Designated States
Title
(EN) SYSTEMS AND METHODS FOR CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS
(FR) SYSTÈMES ET PROCÉDÉS D'AUTHENTIFICATION CRYPTOGRAPHIQUE DE CARTES SANS CONTACT
Abstract
(EN)
Example embodiments of systems and methods for data transmission between transmitting and receiving devices are provided. In an embodiment, a method includes transmitting a first account number and a second account number, transmitting a first communication configured to cause a payment to be processed, receiving a payment amount and determining a first instruction based on a first number, determining a tap password, and receiving a second communication indicating that the payment was processed.
(FR)
Des modes de réalisation de l'invention donnés à titre d'exemple concernent des systèmes et des procédés de transmission de données entre des dispositifs de transmission et de réception. Selon un mode de réalisation, un procédé comprend la transmission d'un premier numéro de compte et d'un second numéro de compte, la transmission d'une première communication conçue pour provoquer le traitement d'un paiement, la réception d'un montant de paiement et la détermination d'une première instruction en fonction d'un premier nombre, la détermination d'un mot de passe de saisie et la réception d'une seconde communication indiquant que le paiement a été traité.
Latest bibliographic data on file with the International Bureau