Systems and methods for cryptographic authentication of contactless cards
AssigneeCapital One Services, LLC
InventorsKevin Osborn, Jeffrey Rule, Srinivasa Chigurupati
Life of this patent
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Abstract
Example embodiments of systems and methods for data transmission 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. The receiving device 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.
Claims20
A method, comprising:
- processing, by a contactless card comprising a processor and a memory containing a private key, a public key, transmission data, and a counter value, the counter value using a first cryptographic algorithm and the private key to yield a cryptographic result;
- encrypting, by the contactless card, the transmission data and the cryptographic result using a second cryptographic algorithm and the public key to yield encrypted transmission data;
- and
- transmitting, by the contactless card, the encrypted transmission data and the public key to a receiving device.
A contactless card comprising:
- a processor;
- and a memory containing a private key, a public key, transmission data, and a counter value,
- wherein the contactless card:
- processes the counter value using a first cryptographic algorithm and the private key to yield a cryptographic result;
- encrypts the transmission data and the cryptographic result using a second cryptographic algorithm and the public key to yield encrypted transmission data;
- and
- transmits the encrypted transmission data and the public key to a receiving device.
A non-transitory computer-readable medium containing instructions for execution by a contactless card, wherein, upon execution of the instructions, the contactless card performs procedures comprising:
- processing a counter value using a first cryptographic algorithm and a private key to yield a cryptographic result;
- encrypting the transmission data and the cryptographic result using a second cryptographic algorithm and a public key to yield encrypted transmission data;
- and
- transmitting the encrypted transmission data and the public key to a receiving device.
Dependencies are inferred from the claim text.