Systems and methods for cryptographic authentication of contactless cards
AssigneeCapital One Services, LLC
InventorJeffrey RULE
Life of this patent
Estimating the term…
Abstract
Example embodiments of systems and methods for replacing card information. In an embodiment, a system comprises an authentication server in data communication with a network and a database in data communication with the authentication server. The authentication server is configured to receive an authentication signal from a user device via the network, retrieve a list of merchants having transaction history with an account associated with the account card, and transmit an access token to at least one merchant server selected using the list of merchants.
Claims21
1-20. (canceled)
An authentication server comprising:
- a processor;
- and
- a memory,
- wherein the processor is configured to:
- receive an authentication signal from a user device application comprising instructions for execution on a user device, wherein the authentication signal comprises a cryptogram generated by the account card in response to a detection of an account card and an authentication of a user, and
- transmit an access token to a merchant server storing stored card information, the access token configured to request the initiation of a communication channel between the user device application and the merchant server.
A method of replacing stored card information comprising the steps of:
- detecting, by a user device application comprising instructions for execution on a user device, an account card when the account card enters a communication field, wherein the user device comprises a processor, a memory, and a communication interface;
- transmitting, by the user device application, an authentication signal via a network to an authentication server, the authentication signal being generated responsive to a detection of the account card and an authentication of a user;
- transmitting, by the authentication server, an access token to a merchant server having a transaction history with an account associated with the account card, the access token configured to request the initiation of a communication channel between the user device application and the merchant server;
- transmitting, by the user device application via the communication channel, account card information indicative of the account card to the merchant server;
- and
- instructing, by the user device application, the merchant server to replace stored card information with the account card information.
A system for replacing stored card information comprising:
- a user device application comprising instructions for execution on a user device,
- wherein the user device application is configured to:
- detect an account card when the account card enters a communication field,
- transmit an authentication signal to an authentication server, the authentication signal being generated responsive to a detection of the account card and a prior authentication of a user, wherein the authentication signal comprises a cryptogram,
- connect to a merchant server through a communication channel, wherein the merchant server is identified by the authentication server and the connection through the communication channel is requested by an access token transmitted by the authentication server to the merchant server,
- transmit account card information indicative of the account card to the merchant server via the communication channel, and
- instruct the merchant server to replace stored card information with the account card information.
Dependencies are inferred from the claim text.