Intelligent card unlock
AssigneeCapital One Services, LLC
InventorsAbdelkader M'Hamed Benkreira, Tyler Maiman, Brendan Way
Life of this patent
Estimating the term…
Abstract
Various examples generally directed to unlocking a locked contactless card for use as payment in card-present transactions are provided. The contactless card is a payment card associated with a payment account. An application executing on a mobile device may be operable to enable unlocking the locked contactless card and receive an indication that the contactless card associated with the mobile device is unlocked for use in card-present transactions. The application may present information related to permitted uses of the unlocked contactless card via a graphical user interface. The permitted uses of the unlocked contactless card may be modified via the graphical user interface.
Claims20
A computer-implemented method, comprising:
- obtaining a location of a mobile device and user preference settings;
- determining, based on the location of the mobile device and the user preference settings, that a card unlock action is required to meet an imminent card present transaction at one or more of a list of merchants;
- in response, transmitting an indication, via the mobile device, to a contactless card to generate encrypted data;
- receiving data from a contactless card, wherein the contactless card is locked to prevent use in a card present transaction, and the data is generated based on a cryptographic algorithm and a diversified key;
- sending the data to a server to authenticate and unlock the contactless card;
- receiving an indication that the contactless card has been unlocked, enabling the contactless card for use in a card present transaction;
- identifying one or more permitted uses for the contactless card to perform the card present transaction;
- and
- causing to display the one or more permitted uses for the contactless card in a graphical user interface of a display.
A computing apparatus comprising:
- a processor;
- and
- a memory storing instructions that, when executed by the processor, configure the apparatus to:
- obtain a location of a mobile device and user preference settings;
- determine, based on the location of the mobile device and the user preference settings, that a card unlock action is required to meet an imminent card present transaction at one or more of a list of merchants;
- in response, transmit an indication, via the mobile device, to a contactless card to generate encrypted data;
- receive data from a contactless card, wherein the contactless card is locked to prevent use in a card present transaction, and the data is generated based on a cryptographic algorithm and a diversified key;
- send the data to a server to authenticate and unlock the contactless card;
- receive an indication that the contactless card has been unlocked, enabling the contactless card for use in a card present transaction;
- and
- cause to display an indication the card is unlocked and one or more permitted uses for the contactless card.
A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a computer, cause the computer to:
- obtain a location of a mobile device and user preference settings;
- determine, based on the location of the mobile device and the user preference settings, that a card unlock action is required to meet an imminent card present transaction at one or more of a list of merchants;
- in response, transmit an indication, via the mobile device, to a contactless card to generate encrypted data;
- receive data from a contactless card, wherein the contactless card is locked to prevent use in a card present transaction, and the data is generated based on a cryptographic algorithm and a diversified key;
- send the data to a server to authenticate and unlock the contactless card;
- receive an indication that the contactless card has been unlocked, enabling the contactless card for use in a card present transaction;
- identify one or more permitted uses for the contactless card to perform the card present transaction;
- and
- cause to display the one or more permitted uses for the contactless card in a graphical user interface of a display.
Dependencies are inferred from the claim text.