Secure contactless credential exchange
AssigneeCapital One Services, LLC
InventorsJeffrey Carlyle WIEKER, Eric MEDIN, Kaushal WADHWANI
Life of this patent
Estimating the term…
Abstract
In some implementations, a credential device may receive a request to generate a virtual credential from a user device associated with a first unique identifier, wherein the request includes a second unique identifier associated with a terminal to receive the virtual credential. The credential device may generate the virtual credential based on the request and a primary credential associated with the first unique identifier, wherein the virtual credential is associated with the primary credential and valid only for an entity associated with the terminal. The credential device may transmit information associated with the virtual credential to the terminal associated with the second unique identifier.
Claims20
A system, comprising:
- one or more memories;
- and
- one or more processors, coupled to the one or more memories, configured to:
- receive, by a credential device and from a user device, based on the user device being registered with a contactless transaction service, an electronic message that includes a request to initiate a contactless transaction associated with the contactless transaction service,
- wherein the electronic message includes an identifier of a transaction terminal associated with the contactless transaction, and
- wherein the electronic message is based on an input of information provided at the transaction terminal for the contactless transaction service;
- generate, by the credential device, a credential that is associated with a merchant that operates the transaction terminal,
- wherein the credential is associated with a primary payment credential of a payment account that is associated with a user of the user device;
- and
- transmit, by the credential device and based on identifying the transaction terminal, information associated with the credential to the transaction terminal to authorize the contactless transaction.
A method, comprising:
- receiving, by a credential device and from a user device, based on the user device being registered with a contactless transaction service, an electronic message that includes a request to initiate a contactless transaction associated with the contactless transaction service,
- wherein the electronic message from the user device includes an identifier of a transaction terminal associated with the contactless transaction, and
- wherein the electronic message is based on an input of information provided at the transaction terminal for the contactless transaction service;
- generating, by the credential device, a credential that is associated with a merchant that operates the transaction terminal,
- wherein the credential is associated with a primary payment credential of a payment account that is associated with a user of the user device;
- and
- transmitting, by the credential device, information associated with the credential to the transaction terminal to authorize the contactless transaction.
A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
- one or more instructions that, when executed by one or more processors, cause the one or more processors to:
- receive, by a credential device and from a user device, based on the user device being registered with a contactless transaction service, an electronic message that includes a request to initiate a contactless transaction associated with the contactless transaction service,
- wherein the user device is associated with a first identifier,
- wherein the electronic message includes a second identifier of a transaction terminal associated with the contactless transaction, and
- wherein the electronic message is based on an input of information provided at the transaction terminal for the contactless transaction service;
- generate, by the credential device, a credential that is associated with a merchant that operates the transaction terminal,
- wherein the credential is associated with a primary payment credential of a payment account that is associated with a user of the user device;
- transmit information associated with the credential to the transaction terminal;
- and
- receive information indicating that a transaction associated with the credential has been processed.
Dependencies are inferred from the claim text.