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1. WO2020072382 - SYSTEMS AND METHODS FOR CRYPTOGRAPHIC AUTHENTICATION OF CONTACTLESS CARDS

Publication Number WO/2020/072382
Publication Date 09.04.2020
International Application No. PCT/US2019/053877
International Filing Date 30.09.2019
IPC
G06Q 20/34 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR 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 cards or magnetic cards
G06Q 20/38 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR 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
G06Q 20/20 2012.01
GPHYSICS
06COMPUTING; CALCULATING OR 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
08Payment architectures
20Point-of-sale network systems
CPC
G06Q 20/354
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
354Card activation or deactivation
G06Q 2220/00
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
2220Business processing using cryptography
G06Q 30/0226
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
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
0226Frequent usage incentive systems, e.g. frequent flyer miles programs or point systems
G06Q 30/0237
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
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
0207Discounts or incentives, e.g. coupons, rebates, offers or upsales
0237at kiosk
G06Q 30/0277
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
30Commerce, e.g. shopping or e-commerce
02Marketing, e.g. market research and analysis, surveying, promotions, advertising, buyer profiling, customer management or rewards; Price estimation or determination
0241Advertisement
0277Online advertisement
H04L 2209/80
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
80Wireless
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.
  • BAKER, David, E.
  • GHIAM, Armin
  • FARRES, Ozzie, A.
  • BILLAH, Zaed
  • FAIRBANKS, R., Dennis
Priority Data
16/205,11929.11.2018US
16/351,43312.03.2019US
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 transmitting device may comprise a contactless card and may be configured to create a cryptogram and transmit the cryptogram and loyalty program information to a receiving device application. The receiving device application may be configured to update the loyalty program information stored on the transmitting device and update a reward value stored on the transmitting device based on a number of times a communication interface enters a communication field.
(FR)
Des modes de réalisation donnés à titre d'exemple concernent des systèmes et des procédés permettant la transmission de données entre des dispositifs d'émission et de réception. Dans un mode de réalisation, un dispositif d’émission peut comprendre une carte sans contact et peut être configuré pour créer un cryptogramme et transmettre les informations de cryptogramme et du programme de fidélité à une application de dispositif de réception. L'application du dispositif de réception peut être configurée pour mettre à jour les informations du programme de fidélité stockées sur le dispositif de transmission et mettre à jour une valeur de récompense stockée sur le dispositif de transmission d’après un nombre de fois où une interface de communication entre dans un champ de communication.
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