Systems and methods for cryptographic authentication of contactless cards

HK40054698BActive Publication Date: 2026-07-10CAPITAL ONE SERVICES LLC
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Patent Information

Authority / Receiving Office
HK · HK
Patent Type
Patents
Current Assignee / Owner
CAPITAL ONE SERVICES LLC
Filing Date
2021-12-07
Publication Date
2026-07-10

AI Technical Summary

Technical Problem

In existing electronic transactions, contactless cards have vulnerabilities in data security and transaction verification, and the retail purchase process is complex, affecting product security and transaction efficiency.

Method used

It adopts a contactless card system, including a processor, memory and contactless communication interface, and communicates with inventory management equipment and point-of-sale equipment through an authentication server to realize identification token authentication and product list updates, and supports financial transactions.

Benefits of technology

It improves the data security of contactless cards, simplifies the retail purchasing process, enhances product security and transaction efficiency, and provides a more reliable verification and authentication mechanism.

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Abstract

Example embodiments of systems and methods for data transmission between a transmitting device and a receiving device for use in tap-and-go stores are provided. In example embodiments, the transmitting device can generate a diversified key using a master key, protect a counter value, and encrypt data prior to transmitting the data to the receiving device, which can generate a diversified key based on the master key and can decrypt the data and verify the protected counter value using the diversified key. The disclosed systems allow a user to utilize the disclosed transmitting device to purchase an item.
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