System and apparatus for encrypted data collection using RFID cards
AssigneeCapital One Services, LLC
InventorsKevin Osborn, James Zarakas, Saleem Sangi, Jeffrey Rule
Life of this patent
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Abstract
A secure smart card is described. The smart card can include a processor, a memory and a transceiver. The smart card can communicate with various terminals and store a digital signature and other information on the card. Another terminal can validate the information stored on the smart card using the digital signature. In certain embodiments, the terminal can also validate the information by using a blockchain. The advanced design of the smart card obviates the need for a network connection.
Claims20
A payment terminal, comprising:
- a processor, a memory, and a transceiver,
- wherein the processor:
- receives, in response to transmission of a first signal to a card processor, a set of data from a card memory of a smart card, wherein the set of data includes a count number,
- receives a digital signature from a host computer, and
- transmits a second signal including instructions to enable the card processor to update the set of data on the card memory, wherein the updating includes incrementing the count number by one unit, and
- wherein the transceiver:
- transmits to the smart card the first signal and the second signal, and
- receives from the smart card a third signal including all the sets of data stored on the card memory.
A method, comprising:
- transmitting, by a payment terminal comprising a processor, a memory, and a transceiver, a first signal to a smart card;
- receiving, by the payment terminal, a set of data from a card memory, wherein the set of data includes a count number;
- receiving, by the payment terminal, a digital signature from a host computer;
- transmitting, by the payment terminal, a second signal including instructions to enable the smart card to update the set of data in the card memory, wherein the updating includes incrementing the count number by one unit;
- and
- receiving, by the payment terminal, a third signal including all the sets of data stored in the card memory.
A non-transitory computer-readable medium containing instructions, wherein, upon execution by a computer hardware arrangement comprising a processor, a memory, and a transceiver, the computer hardware arrangement performs procedures comprising:
- transmitting a first signal to a smart card;
- receiving a set of data from a card memory, wherein the set of data includes a count number;
- receiving a digital signature from a host computer;
- transmitting a second signal including instructions to enable the smart card to update the set of data in the card memory, wherein the updating includes incrementing the count number by one unit;
- and
- receiving a third signal including all the sets of data stored in the card memory.
Dependencies are inferred from the claim text.