Systems and methods for cryptographic authentication of contactless cards
AssigneeCapital One Services, LLC
InventorsJeffrey Rule, James Ashfield, Srinivasa Chigurupati, Kevin Osborn
Life of this patent
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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.
Claims17
A contactless card communication system comprising:
- a contactless card including a substrate, a processor, and a memory containing a first applet, a second applet, and one or more additional applets, wherein:
- the first applet is configured to access one or more parameters,
- the first applet is precluded from data communication external to the contactless card by the second applet, and
- each of the one or more additional applets includes offline verification data associated with a user of the contactless card;
- and
- a recipient application comprising instructions for execution on a recipient device, the recipient application in data communication with the contactless card via the second applet,
- wherein the second applet is configured to retrieve one or more parameters from the first applet via a communication interface,
- wherein the second applet is configured to transmit the one or more parameters to the recipient application, and
- wherein at least a portion of the offline verification data from each of the one or more additional applets is matched for verification.
A method of communicating with a contactless card comprising:
- establishing communication via an interface between a first applet and a second applet contained in a memory of a contactless card;
- precluding, by the second applet, communication external to the contactless card by the first applet;
- retrieving, by the second applet, verification data from the first applet via the interface;
- retrieving, by the second applet, offline verification data associated with a user of the contactless card from one or more additional applets;
- establishing communication between the second applet and a recipient application;
- transmitting the verification data from the second applet to the recipient application via one or more shareable objects;
- authenticating the verification data by the recipient application;
- and
- matching at least a portion of the offline verification data from each of the one or more additional applets for verification.
A contactless card comprising:
- a substrate;
- a memory containing a first applet, a second applet, and one or more additional applets including offline verification data, wherein the offline verification data is accessible to the first applet;
- an interface;
- and
- a processor in communication with the memory and the interface,
- wherein the second applet is configured to retrieve one or more parameters from the first applet via the interface for verification,
- wherein the first applet is precluded from communication external to the contactless card by the second applet, and
- wherein at least a portion of the offline verification data included in the one or more additional applets is matched for verification.
Dependencies are inferred from the claim text.