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US 12,763,928 B2Granted
Telephone URI processing with NFC and cryptographic one time password
AssigneeCapital One Services, LLC
InventorsKevin Osborn, Jeffrey Rule
Life of this patent
Estimating the term…
Abstract
Embodiments are directed to systems and techniques to perform authentication operations in a call center computing environment with transcoded encrypted data.
Claims20
A method comprising:
- transcoding, by a processor circuit of a contactless card, encrypted data into transcoded data, the encrypted data generated based on one or more cryptographic algorithms and one or more session keys generated from a diversified key stored on the contactless card, wherein transcoding the encrypted data includes:
- accessing, by the processor circuit, the encrypted data;
- converting the encrypted data into a corresponding numeric data stream;
- and
- inserting characters into the corresponding numeric data stream to indicate data separation in the transcoded data;
- and
- transmitting, via a communication interface of the contactless card, the transcoded data to a mobile device associated with a user account of the contactless card.
4 more elements
An apparatus comprising:
- a memory to store instructions;
- a communication interface;
- and
- a processing circuit to execute the instructions, which, when executed by the processing circuit, cause the apparatus to:
- receive, via the communication interface of the apparatus, transcoded data, the transcoded data being transcoded from encrypted data associated with a user account, wherein the transcoded data is included in a uniform resource identifier (URI) for a communication to be initiated by the apparatus;
- and
- in response to receiving the transcoded data, automatically initiate the communication based on the transcoded data in the URI, wherein the transcoded data is used as part of a dial entry for the communication.
4 more elements
A non-transitory computer-readable storage medium having executable instructions stored thereon, which when executed by a processing circuit of a contactless card cause the contactless card to:
- transcode encrypted data into transcoded data, the encrypted data generated based on one or more cryptographic algorithms and one or more session keys generated from a diversified key stored on the contactless card, wherein transcoding the encrypted data includes the processing circuit to:
- access the encrypted data;
- convert the encrypted data into a corresponding numeric data stream;
- and
- insert characters into the corresponding numeric data stream to indicate data separation in the transcoded data;
- and
- transmit, via a communication interface of the contactless card, the transcoded data to a mobile device associated with a user account of the contactless card.
4 more elements
Dependencies are inferred from the claim text.