# US 11,444,775 B2 · Systems and methods for content management using contactless cards

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- Number: US 11,444,775 B2
- Document ID: US11444775B2
- Status: Granted
- Kind: B2
- Application number: 16/659,327
- Filed: 2019-10-21
- Published: 2020-04-02
- Granted: 2022-09-13
- Earliest claimed: 2018-10-02
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Kaitlin Newman; Kimberly Haynes; Charles Nathan Crank; Andrew Cogswell; Colin Hart; Jeffrey Rule; Lara Mossler; Latika Gulati; Abdelkader Benkreira; Sarah Jane Cunningham; Sophie Bermudez; Michael Mossoba; Wayne Lutz
- Web page: https://patentgrep.com/patent/US11444775B2

## CPC

- H04L 9/3234: {involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token (network architectures or network communication protocols for supporting authentication of entities using an additional device in a packet data network H04L63/0853)}
- G06F 21/44: Program or device authentication
- G06Q 20/306: {using TV related infrastructures (external card used for payment with client device H04N21/4185)}
- G06Q 20/352: {Contactless payments by cards}
- G06Q 20/354: {Card activation or deactivation}
- G06Q 20/3674: {involving authentication}
- G06Q 20/3829: {involving key management}
- G06Q 20/401: {Transaction verification}
- G06Q 30/0226: Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
- G06Q 30/0237: {at kiosk}
- G06Q 30/0277: {Online advertisement}
- H04L 9/0869: {involving random numbers or seeds}
- H04L 9/0877: {using additional device, e.g. trusted platform module [TPM], smartcard, USB or hardware security module [HSM]}
- H04L 9/0897: {involving additional devices, e.g. trusted platform module [TPM], smartcard or USB}
- H04L 9/14: using a plurality of keys or algorithms
- H04L 9/3242: {involving keyed hash functions, e.g. message authentication codes [MACs], CBC-MAC or HMAC}
- G06Q 2220/00: Business processing using cryptography
- H04L 2209/80: Wireless
- H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M)
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- 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

## Abstract

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key.

## Claims

### Claim 1

A data transmission system comprising:
a transmitting device having a processor and memory, the memory of the transmitting device containing a card key and transmission data;
an application comprising instructions for execution on a receiving device having a processor and memory, the memory of the receiving device containing an application key;
wherein the transmitting device is configured to, after entry into a communication field:
encrypt the transmission data using one or more cryptographic algorithms and the card key to yield encrypted transmission data, and
transmit the encrypted transmission data to the application; and
wherein the application is configured to:
decrypt the encrypted transmission data using the one or more cryptographic algorithms and the application key;
after a successful decryption of the transmission data, remove one or more restrictions from content, the one or more restrictions precluding access to the content; and
provide access to the content.

### Claim 2 (depends on 1)

The data transmission system of claim 1, wherein the content comprises at least one selected from the group of media content and trivia.

### Claim 3 (depends on 2)

The data transmission system of claim 2, wherein the media content is associated with at least one selected from the group of at least a portion of a movie, filming of the at least a portion of the movie, and a television series.

### Claim 4 (depends on 2)

The data transmission system of claim 2, wherein the application is configured to display the at least one selected from the group of media content and trivia on a screen associated with at least one selected from the group of a terminal and a kiosk.

### Claim 5 (depends on 1)

The data transmission system of claim 1, wherein the content comprises one or more benefits based on criteria.

### Claim 6 (depends on 5)

The data transmission system of claim 5, wherein the criteria is associated with membership to at least one selected from the group of a club, a group, a loyalty program, an institution, and a qualifying list.

### Claim 7 (depends on 6)

The data transmission system of claim 6, wherein the qualifying list is based on at least one selected from the group of purchase of an item, purchase from a merchant, and spend amount in excess of a threshold in a predetermined time period.

### Claim 8 (depends on 1)

The data transmission system of claim 1, wherein the one or more restrictions comprises at least one selected from the group of an advertisement, a survey, payment, and limited views.

### Claim 9 (depends on 1)

The data transmission system of claim 1, wherein:
the receiving device comprises a server;
the transmitting device comprises a contactless card; and
the cryptographic result and encrypted transmission data are transmitted by the contactless card to the application via one or more intermediary devices.

### Claim 10 (depends on 1)

The data transmission system of claim 1, wherein the application is further configured to remove the one or more restrictions upon a determination that the transmitting device has entered the communication field at least a threshold number of times.

### Claim 11 (depends on 2)

The data transmission system of claim 2, wherein the trivia is associated with the media content.

### Claim 12

A method of providing access to content using a transmitting device and an application comprising instructions for execution on a receiving device, the transmitting device comprising a processor and a memory storing a device key and transmission data, and the receiving device comprising a processor and a memory storing an application key, the method comprising the steps of:
encrypting the transmission data using one or more cryptographic algorithms and the device key to yield encrypted transmission data;
transmitting, by the transmitting device after entry into a communication field, the encrypted transmission data to the application;
decrypting, by the application, the encrypted transmission data using the one or more cryptographic algorithms and the application key;
removing, by the application after a successful decryption of the transmission data, one or more restrictions from content, the one or more restrictions precluding access to the content; and
providing, by the application, access to the content.

### Claim 13 (depends on 12)

The method of claim 12, wherein the content comprises at least one selected from the group of media content and trivia.

### Claim 14 (depends on 13)

The method of claim 13, wherein the media content is associated with at least one selected from the group of at least a portion of a movie, filming of the at least a portion of the movie, and a television series.

### Claim 15 (depends on 13)

The method of claim 13, further comprising displaying the at least one selected from the group of media content and trivia on a screen associated with at least one selected from the group of a terminal and a kiosk.

### Claim 16 (depends on 12)

The method of claim 12, wherein the content comprises one or more benefits based on one or more criteria.

### Claim 17 (depends on 16)

The method of claim 16, wherein the one or more criteria is associated with membership to at least one selected from the group of a club, a group, a loyalty program, an institution, and a qualifying list.

### Claim 18 (depends on 17)

The method of claim 17, wherein the qualifying list is based on at least one selected from the group of purchase of an item, purchase from a merchant, and spend amount in excess of a threshold in a predetermined time period.

### Claim 19 (depends on 12)

The method of claim 12, wherein:
the receiving device comprises a server;
the transmitting device comprises a contactless card; and
the cryptographic result and encrypted transmission data are transmitted by the contactless card to the application via one or more intermediary devices.

### Claim 20 (depends on 12)

The method of claim 12, wherein the content comprises at least one selected from the group of a music streaming service and a video streaming service.

### Claim 21 (depends on 16)

The method of claim 16, wherein the one or more benefits comprise at least one selected from the group of access to an event, a discount, an advance purchase window, and a purchase modification.

### Claim 22 (depends on 21)

The method of claim 21, wherein the purchase modification comprises at least one selected from the group of cancellation and rescheduling.

### Claim 23

A contactless card comprising:
a memory containing one or more applets and a key;
a communication interface; and
one or more processors in communication with the memory and communication interface,
wherein the contactless card is configured to create a cryptogram using the key when the communication interface is within a range of a communication field of an application comprising instructions for execution on a receiving device, and
wherein the cryptogram is transmitted, via the communication interface, to the application for validation and, after a successful decryption of the cryptogram, the removal of restrictions and the provision of access to content.

### Claim 24 (depends on 23)

The contactless card of claim 23, wherein the content comprises at least one selected from the group of media content and trivia.

### Claim 25 (depends on 24)

The contactless card of claim 24, wherein the media content is associated with at least one selected from the group of at least a portion of a movie, filming of the at least a portion of the movie, and a television series.

### Claim 26 (depends on 23)

The contactless card of claim 23, wherein the content comprises one or more benefits based on criteria.

### Claim 27 (depends on 26)

The contactless card of claim 26, wherein the criteria is associated with membership to at least one selected from the group of a club, a group, a loyalty program, an institution, and a qualifying list.

### Claim 28 (depends on 27)

The contactless card of claim 27, wherein the qualifying list is based on at least one selected from the group of purchase of an item, purchase from a merchant, and spend amount in excess of a threshold in a predetermined time period.

### Claim 29 (depends on 23)

The contactless card of claim 23, wherein the one or more restrictions comprises at least one selected from the group of an advertisement, a survey, a payment, and limited views.

### Claim 30 (depends on 23)

The contactless card of claim 23, wherein the one or more restrictions includes a request for payment information.
