Server-side contactless card activation
AssigneeCapital One Services, LLC
InventorsJeffrey Rule, Wayne Lutz
Life of this patent
Estimating the term…
Abstract
Systems, apparatuses, computer-readable media, and methods are provided for activating a contactless card. A server may transmit, to a web browser on a client device, a web page. The server may receive, from the web browser, a request to activate a contactless card, the request including a cryptogram. The server may decrypt the cryptogram based on a key associated with the contactless card. The server may transition, based on the decryption of the cryptogram, the contactless card from an inactive payment state to an active payment state. The server may transmit, to the web page and based on the transition of the contactless card from the inactivated payment state to the activated payment state, an indication to activate a payment applet of the contactless card.
Claims20
A method comprising:
- receiving, by a wireless card reader of a computing device, a network address from a contactless card;
- accessing, via a web browser executing on the computing device, a web page at the network address;
- receiving, by the wireless card reader, encrypted data and unencrypted data from the contactless card;
- transmitting, via the web page in the web browser and to a server, an activation request to activate the contactless card, the activation request including both the encrypted data and the unencrypted data;
- receiving, via the web page in the web browser, an activation response from the server;
- determining, via the web page in the web browser and based on the activation response, that the server transitioned the contactless card from an inactivated payment state to an activated payment state based on the encrypted data and the unencrypted data;
- generating, via the web page in the web browser and based on determining that the server transitioned the contactless card from the inactivated payment state to the payment state, an instruction to activate a payment applet of the contactless card;
- and
- transmitting, via the web page in the web browser and to the contactless card, the instruction to activate the payment applet.
An apparatus comprising:
- a processor;
- a wireless card reader;
- and
- a memory comprising instructions that, when executed by the processor, cause the processor to:
- receive, by the wireless card reader, a network address from a contactless card;
- access, via a web browser, a web page at the network address;
- receive, by the wireless card reader, encrypted data and unencrypted data from the contactless card;
- transmit, via the web page in the web browser and to a server, an activation request to activate the contactless card, the activation request including both the encrypted data and the unencrypted data;
- receive, via the web page in the web browser, an activation response from the server;
- determine, via the web page in the web browser and based on the activation response, that the server transitioned the contactless card from an inactivated payment state to an activated payment state based on the encrypted data and the unencrypted data;
- generate, via the web page in the web browser and based on determining that the server transitioned the contactless card from the inactivated payment state to the payment state, an instruction to activate a payment applet of the contactless card;
- and
- transmit, via the web page in the web browser and to the contactless card, the instruction to activate the payment applet.
A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that, when executed by a processor, cause the processor to:
- receive, via a wireless card reader, a network address from a contactless card;
- access, via a web browser, a web page at the network address;
- receive, by the wireless card reader, encrypted data and unencrypted data from the contactless card;
- transmit, via the web page in the web browser and to a server, an activation request to activate the contactless card, the activation request including both the encrypted data and the unencrypted data;
- receive, via the web page in the web browser, an activation response from the server;
- determine, via the web page in the web browser and based on the activation response, that the server transitioned the contactless card from an inactivated payment state to an activated payment state based on the encrypted data and the unencrypted data;
- generate, via the web page in the web browser and based on determining that the server transitioned the contactless card from the inactivated payment state to the payment state, an instruction to activate a payment applet of the contactless card;
- and
- transmit, via the web page in the web browser and to the contactless card, the instruction to activate the payment applet.
Dependencies are inferred from the claim text.