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US 12,003,644 B2Granted
Techniques to control applets for contactless cards
AssigneeCapital One Services, LLC
InventorsLara Mossler, Madhavan Chandran
Life of this patent
Estimating the term…
Abstract
Various embodiments are generally directed to techniques provide and control applets for transaction cards. More specifically, embodiments discussed here include permitting or denying applets of transaction cards based on whether they are enabled or disabled. Embodiments may also include enabling and disable applets for transaction cards.
Claims18
A system, comprising:
- a network interface;
- a memory to store instructions;
- and
- processing circuitry, coupled with the memory and the network interface, operable to execute the instructions, that when executed, cause the processing circuitry to:
- receive, via the network interface, from a computing device, a communication to disable an applet stored on a contactless card, the communication comprising a counter value that is stored on the contactless card, an encrypted cryptogram comprising an encrypted combination of a random number and cryptogram, and an applet identifier to identify the applet, and the counter value is associated with the applet, wherein the computing device comprises one of a client device, an automatic teller machine (ATM), or a web-based application of a personal computer;
- decrypt the encrypted cryptogram to determine the cryptogram;
- validate the counter value based on the cryptogram;
- determine a second counter value associated with the applet, the second counter value stored in a data store comprising a plurality of counter values each associated with one of a plurality of applets, wherein the data store is communicatively coupled with the system;
- set the second counter value in the data store to a value to disable the applet for the contactless card;
- and
- send a second communication to the one of the client device, the ATM, or the web-based application to indicate the applet is disabled.
8 more elements
A system, comprising:
- a network interface;
- a memory to store instructions;
- and
- processing circuitry, coupled with the memory and the network interface, operable to execute the instructions, that when executed, cause the processing circuitry to:
- receive, via the network interface, from a computing device, a communication to enable an applet stored on a contactless card, the communication comprising a counter value that is stored on the contactless card, an encrypted cryptogram comprising an encrypted combination of a random number and cryptogram, and an applet identifier to identify the applet, and the counter value is associated with the applet, wherein the computing device comprises one of a client device, an automatic teller machine (ATM), or a web-based application of a personal computer;
- decrypt the encrypted cryptogram to determine the cryptogram;
- validate the counter value based on the cryptogram;
- determine a second counter value associated with the applet, the second counter value stored in a data store comprising a plurality of counter values each associated with one of a plurality of applets, wherein the data store is communicatively coupled with the system;
- set the second counter value in the data store to a value to enable the applet for the contactless card;
- and
- send a second communication to the one of the client device, the ATM, or the web-based application to indicate the applet is enabled.
8 more elements
A computer-implemented method, comprising:
- receiving, by a server, from a mobile device, a communication to disable an applet for use to perform transactions, the applet stored and executable on a contactless card, and the communication comprising a counter value that is stored on the contactless card, an encrypted cryptogram comprising an encrypted combination of a random number and cryptogram, and is associated with the applet, and an applet identifier to identify the applet;
- decrypting the encrypted cryptogram to determine the cryptogram;
- validating the counter value based on the cryptogram;
- determining, by the server, a corresponding counter value associated with the applet based on information received in the communication, the corresponding counter value stored in a data store, wherein the data store is communicatively coupled with the server;
- setting, by the server, the corresponding counter value in the data store to a value to disable the applet for the contactless card;
- and
- sending a second communication to the mobile device to indicate the applet is disabled.
4 more elements
Dependencies are inferred from the claim text.