# US 11,308,482 B2 · System, method, and computer-accessible medium for blocking malicious EMV transactions

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- Number: US 11,308,482 B2
- Document ID: US11308482B2
- Status: Granted
- Kind: B2
- Application number: 16/924,582
- Filed: 2020-07-09
- Published: 2021-04-15
- Granted: 2022-04-19
- Earliest claimed: 2019-10-15
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Wayne Lutz; Jeffrey Rule
- Web page: https://patentgrep.com/patent/US11308482B2

## CPC

- G06Q 20/352: {Contactless payments by cards}
- G06F 21/55: Detecting local intrusion or implementing counter-measures
- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06Q 20/341: {Active cards, i.e. cards including their own processing means, e.g. including an IC or chip}
- G06Q 20/3563: {Software being resident on card}
- G06Q 20/4093: {Monitoring of device authentication}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)

## Abstract

An exemplary system, method, and computer-accessible medium can include, for example, storing on a first device an applet configured to generate a digital tag; receiving a request at the first device for information; configuring the digital tag to be associated with at least one of (i) an application or (ii) an input on a second device, such that receipt of the digital tag by a second device causes the application to launch on the second device; and emitting from the first device a digital tag.

## Claims

### Claim 1

An application control system, comprising:
a smartcard comprising a processor, a memory storing a digital tag, and a communication interface, wherein the digital tag is associated with an application and configured to prompt a security review upon receipt of the digital tag by a client device, and wherein the processor is configured to, upon receipt of a request for requested information received from the client device, transmit the digital tag to the client device via the communication interface;
wherein, upon a successful completion of the security review, the digital tag is configured to prompt a launch of the application on the client device and restrict the requested information to access only by the application; and
wherein, upon an unsuccessful completion of the security review, the digital tag is configured to preclude a launch of the application on the client device.

### Claim 2 (depends on 1)

The application control system of claim 1, wherein:
the transmission of the digital tag occurs after entry of the smartcard into a communication field, and
the communication interface is configured to transmit the tag via Near Field Communication.

### Claim 3 (depends on 1)

The application control system of claim 1, wherein:
the digital tag is configured to prompt the launch of a plurality of additional applications, and
the digital tag specifies a sequence for launching the plurality of additional applications.

### Claim 4 (depends on 3)

The application control system of claim 3, wherein the sequence comprises a linear sequence.

### Claim 5 (depends on 4)

The application control system of claim 4, wherein the sequence comprises completion-triggered launching.

### Claim 6 (depends on 5)

The application control system of claim 5, wherein the completion-triggered launching comprises launching a second additional application from the plurality of additional applications after the completion of an operation by a first additional application of the plurality of additional applications.

### Claim 7 (depends on 5)

The application control system of claim 5, wherein the completion-triggered launching comprises launching a second additional application from the plurality of additional applications after a first additional application of the plurality of additional applications closes.

### Claim 8 (depends on 5)

The application control system of claim 5, wherein the completion-triggered launching comprises launching a final additional application from the plurality of additional applications after all other additional applications of the plurality of additional applications close.

### Claim 9 (depends on 1)

The application control system of claim 1, wherein the application is configured to prevent a second application from accessing the requested information.

### Claim 10 (depends on 1)

The application control system of claim 1, where in the digital tag is configured to be a Near Field Communication (NFC) Data Exchange Format (NDEF) tag.

### Claim 11 (depends on 10)

The application control system of claim 10, wherein the NDEF tag is configured to be an Android Application Record.

### Claim 12

An application control method, comprising:
receiving, by a smartcard, a request for requested information;
transmitting, by the smartcard to a client device, a digital tag associated with an application;
prompting, by the digital tag, a security review;
prompting, by the digital tag upon successful completion of the security review, a launch of the application on the client device; and
restricting, by the digital tag, access to the requested information to only the application.

### Claim 13 (depends on 12)

The application control method of claim 12, further comprising precluding, by the digital tag upon an unsuccessful completion of the security review, a launch of the application.

### Claim 14 (depends on 12)

The application control method of claim 12, further comprising transmitting, by the smartcard, the requested information with the digital tag.

### Claim 15 (depends on 12)

The application control method of claim 12, further comprising transmitting the digital tag to a user device, wherein the digital tag is configured to prompt the launch of the application when the user device is inactive.

### Claim 16 (depends on 12)

The application control method of claim 12, further comprising transmitting the digital tag to a user device comprising a display, wherein the digital tag is configured to prompt the launch of the application when no other application on the user device is active.

### Claim 17 (depends on 16)

The application control method of claim 16, wherein the digital tag is configured to preclude any other application from opening or becoming active.

### Claim 18 (depends on 12)

The application control method of claim 12, further comprising transmitting the digital tag to a user device, wherein the digital tag is configured to prompt the launch of the application when the user device has not received user input for a pre-determined period of time.

### Claim 19 (depends on 12)

The application control method of claim 12, further comprising transmitting the digital tag to a user device, wherein the digital tag is configured to prompt the launch of the application when the user device is in an unlocked state.

### Claim 20

A non-transitory computer-accessible medium having stored thereon computer-executable instructions, wherein, when a processor executes the instructions in response to receipt of a request for requested information, the processor is configured to perform procedures comprising:
transmitting, to a client device, a Near Field Communication (NFC) Data Exchange Format (NDEF) tag, wherein the NDEF tag is configured to:
prompt a security review;
upon a successful completion of the security review, prompt a launch of an application on the client device;
restrict access to the requested application to only the application; and
upon an unsuccessful completion of the security review, preclude a launch of the application on the client device.
