System and method for dynamic generation of url by smart card
AssigneeCapital One Services, LLC
InventorsJeffrey RULE, Wayne LUTZ, Paul MORETON, Kevin OSBORN
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Abstract
Embodiments of a smart card and systems and methods for secure data access using a smart card are described. The smart card may be formed a substrate and may include a microprocessor, a memory containing an applet, a counter, and a unique identifier. The smart card may dynamically generate a unique uniform resource location (URL) and transmit the URL to via a contactless communication interface to securely facilitate data access from other devices.
Claims21
1-20. (canceled)
An information access system, comprising:
- a server storing a server counter;
- and
- a smart card comprising a microprocessor, a communication interface, and a memory storing an applet, a card counter, and a customer identifier, wherein the microprocessor is configured to:
- increment the card counter,
- transmit the incremented card counter via the communication interface for synchronization with the server,
- generate a unique one-time uniform resource locator (URL) by cryptographically hashing the incremented value of the card counter and the customer identifier, and
- transmit the unique one-time URL via the communication interface;
- and
- wherein, upon receipt of the incremented card counter, the server is configured to synchronize the incremented card counter and the server counter.
The information access system of claim 10, wherein, upon determining that the unique one-time URL requests an account balance or a credit score, the server requests additional authentication information.
A method for information access using a smart card comprising a communication interface, a microprocessor, and a memory storing an applet, a card counter, and a unique customer identifier, the method comprising the steps of:
- upon entering the communication field of a communication device comprising a processor and a memory storing an application comprising instructions for execution by the processor, incrementing the card counter;
- transmitting the incremented card counter for synchronization via the communication interface;
- generating a unique one-time uniform resource locator (URL) by cryptographically hashing the incremented value of the card counter and the customer identifier;
- and
- transmitting the unique one-time URL via the communication interface.
The method of accessing of information of claim 16, further comprising receiving location-specific data from the server in response to the appended location information.
A non-transitory computer-accessible medium having stored thereon computer-executable instructions for providing information access, wherein, when a computer arrangement comprising a communication interface, a microprocessor, and a memory storing an applet, a card counter, and a unique customer identifier, executes the instructions, the computer arrangement is configured to perform procedures comprising:
- incrementing the card counter;
- transmitting the incremented card counter for synchronization via the communication interface;
- generating a unique one-time uniform resource locator (URL) by cryptographically hashing the incremented value of the card counter and the customer identifier;
- and
- transmitting the unique one-time URL via the communication interface.
Dependencies are inferred from the claim text.