Client device authentication using contactless legacy magnetic stripe data

A contactless card comprising:

• a memory, a processor and a transmitter, wherein:
• the memory stores a master key, transmission data and a counter value;
• using the transmitter, the contactless card is configured to be in data communication with a client device;
• and
• the contactless card is an MSD compliant contactless card;
• wherein the contactless card is configured to:
• receive a key diversification value and an algorithm selection value from the client device, wherein the key diversification value includes a biometric input;
• select a cryptographic algorithm using the algorithm selection value;
• generate a diversified key using the master key, the counter value, the key diversification value and the cryptographic algorithm;
• encrypt the transmission data using the cryptographic algorithm and the diversified key to yield the encrypted transmission data;
• and
• transmit the encrypted transmission data to the client device.

A computer readable non-transitory medium comprising computer-executable instructions that are executed on a client device comprising a processor, a memory, and a transmitter, the instructions comprising the steps of:

• receiving a first input and, based on the first input, derive a key diversification value;
• receiving a second input and, based on the second input, derive an algorithm selection value;
• transmitting the key diversification value and the algorithm selection value to a contactless card;
• receiving encrypted transmission data from the contactless card, wherein the encrypted transmission data represents transmission data encrypted by a cryptographic algorithm and a diversified key which is generated using a master key, a counter value, the key diversification value and the cryptographic algorithm associated with the algorithm selection value;
• and
• transmitting the encrypted transmission data, the key diversification value and the algorithm selection value to a server.

A computer readable non-transitory medium comprising computer-executable instructions that are executed on a client device comprising a processor, a memory, and a transmitter, the instructions comprising the steps of:

• receiving a first input and, based on the first input, derive a key diversification value;
• receiving a second input and, based on the second input, derive an algorithm selection value;
• transmitting the key diversification value and the algorithm selection value to a contactless card;
• receiving encrypted transmission data from the contactless card, wherein the encrypted transmission data represents transmission data encrypted by a cryptographic algorithm and a diversified key which is generated using a master key, a counter value, the key diversification value and the cryptographic algorithm associated with the algorithm selection value;
• and
• transmitting the encrypted transmission data, the key diversification value and the algorithm selection value to a server;
• wherein the memory respectively stores a plurality of algorithm selection values in association with a plurality of fingerprint values.