SYSTEM AND METHOD FOR PROVIDING ONLINE AND HYBRID CARD INTERACTION - Patent application

Abstract

Various embodiments generally relate to authenticating a user for non-payment purposes using a payment protocol, a computing device, and a contactless card. The payment protocol may conform to EMV standards. An application may determine whether authorization or verification of the user is required to access non-payment features of other applications associated with the user and computing device. The application then receives and / or prompts transmission of encrypted data from a communication interface of a contactless card associated with the account, and does so using either offline or online techniques. The offline or online techniques may include one or more actions that can verify the user's identity and / or authorize the user to access various aspects of other applications.

Description

[Technical Field]

[0001] (CROSS-REFERENCE TO RELATED APPLICATIONS) This application claims priority to U.S. Patent Application No. 16 / 503,285, entitled "System and Method for Providing Online and Hybrid Card Interaction," filed July 3, 2019. The contents of the aforementioned patent application are incorporated herein by reference in their entirety.

[0002] (Incorporated by reference) This application is related to U.S. Patent Application No. 16 / 135,954, filed September 19, 2018, entitled "System and Method for Providing Card Interaction," the entire contents of which are incorporated herein by reference.

[0003] (Technical field) FIELD Embodiments relate generally to computing platforms, and more particularly to authenticating a user based on authenticated communications between a contactless transaction card and a user device. [Background technology]

[0004] Activation of many cards, and more particularly financial cards (e.g., credit cards), involves a time-consuming process in which the cardholder calls a phone number, visits a website, or enters and provides card information. Additionally, while the growing use of microchip-based financial cards provides a more secure mechanism over previous technologies (e.g., magnetic strip cards) for in-person purchases, account access still typically relies on login credentials (e.g., a username and password to verify the cardholder's identity). However, if the login credentials are compromised, others can gain access to the user's account.

[0005] Therefore, a need exists for both improved methods of card activation and improved authentication for account access. Summary of the Invention [Means for solving the problem]

[0006] Embodiments disclosed herein provide systems, methods, articles, and computer-readable media for authenticating a user utilizing a payment protocol for purposes other than payment. According to one example, an application running on a computer system can initiate a communication to verify a user's identity or validate a card using a third-party device. The application running on the system can utilize near-field communication (NFC) with a card associated with the user as part of the communication (in various embodiments, the application can be initiated by tapping a contactless card on a user device, e.g., a mobile device). The communication can include receiving multiple inputs (including an application transaction counter (ATC)) by the application and generating a cryptogram based on the multiple inputs and a symmetric key associated with the contactless card. The application then transmits the cryptogram and the ATC to an issuer, which can provide a response verifying the user's identity based on the transmitted cryptogram. The received response is based on a communication that includes the recreation of a symmetric key and / or a cipher as a whole, the generation of the cipher and the received response are based on a payment protocol, and verification of the user's identity or card verification is distinct from completing a payment in connection with the payment protocol. In various embodiments, the verification process, and any or all actions associated therewith, may be initiated by tapping a contactless card on a user device, for example, the user's mobile device.

[0007] According to another example, a hybrid approach utilizing both offline and online authentication can be employed to authenticate a user. A system or device having a memory storing instructions and a processor circuit capable of executing the instructions can employ one or more hybrid verification approaches, including a combination of offline and online. Execution of the instructions may cause the processor circuit to perform one or more operations. An operation may include receiving user authentication information, e.g., a password and username, associated with a user profile from an application associated with the user device (in various embodiments, the application may be launched by tapping a contactless card on the user device, e.g., a mobile device). Another operation may include comparing the received user authentication information with second (stored) user authentication information, e.g., a stored version of the password / username combination (in various embodiments, the first comparison may be initiated by tapping a contactless card on the user device, e.g., a mobile device). In response to a match being found, the other operation may include performing i) multiple hostless verification operations and ii) multiple issuer verification operations. The hostless operations may include: a) communicating, by an application, using near field communication (NFC) with a contactless card (the contactless card is associated with a user account and cardholder information), b) receiving, by the application, a public key of the card's key pair and cardholder identification information of the card's account holder, c) instructing the card to generate a digital signature using the private key of the card's key pair, d) receiving the digital signature from the card, and f) verifying the digital signature using the public key. In various embodiments, offline verification techniques may occur before or after a series of online verification operations initiated or performed as a result of execution of instructions by a process.The online verification operation includes: a) providing, by the application, a plurality of inputs from the card to a computing device; b) generating, by the application, a cryptogram from the card based on the plurality of inputs and a symmetric key associated with the card; c) transmitting, by the application, the cryptogram and the ATC to the issuer; and d) receiving a response from the issuer and verifying the user's identity based on the transmitted cryptogram, the received response being based on the communication as a whole including a recreation of the symmetric key and / or cryptogram by the issuer in response to receiving the cryptogram. In various embodiments, the online verification operation may begin only after a successful comparison of a second match between at least a portion of the user identity and at least a portion of the cardholder identifying information (the second comparison may be initiated by tapping the contactless card on the user device, and the entire communication may include two or more taps of the contactless card on the user device).

[0008] According to yet another example, a host system, e.g., an issuer host, is provided, and the host system can utilize a payment protocol to enable user verification for non-payment events. The host system may include a non-transitory computer-readable storage medium storing computer-readable program code executable by a processor, for receiving communication data associated with a user identity verification communication initiated by i) an application associated with a user and a card, and ii) at least one computing device, the communication data including i) an application transaction counter (ATC), and ii) a cipher based on a plurality of communication inputs and a symmetric key associated with the card, and transmitting a response from the issuer verifying the user's identity based on the received cipher, the transmitted response being based on the communication as a whole including regeneration of the symmetric key and / or cipher, and the user identity verification and / or card verification being distinct from completing a payment in connection with the payment protocol. [Brief explanation of the drawings]

[0009] [Figure 1]1 illustrates an embodiment of a system for verifying or authenticating a contactless card according to a payment protocol. [Figure 2A] 1 illustrates an embodiment of tapping to verify a contactless card using a payment protocol. [Figure 2B] 1 illustrates an embodiment of tapping to verify a contactless card using a payment protocol. [Figure 3A] 1 illustrates an embodiment of tapping to verify a contactless card using a payment protocol. [Figure 3B] 1 illustrates an embodiment of tapping to verify a contactless card using a payment protocol. [Figure 3C] 1 illustrates an embodiment of tapping to verify a contactless card using a payment protocol. [Figure 4A] An example of a contactless card is shown. [Figure 4B] An example of a contactless card is shown. [Figure 5] 1 illustrates an embodiment of a first logic flow. [Figure 6] 10 illustrates an embodiment of a second logic flow. [Figure 7A] 10 illustrates an embodiment of a third logic flow. [Figure 7B] 10 illustrates an embodiment of a fourth logic flow. [Figure 8] 1 illustrates an embodiment of a computer architecture. DETAILED DESCRIPTION OF THE INVENTION

[0010] Aspects of the present disclosure include systems, methods, and / or techniques for providing authenticated cardholder access. Generally, various embodiments relate to i) online and / or ii) hybrid online and offline protocols that, except for one or more embodiments of the present disclosure, mimic an authentication protocol between a contactless transaction card and a point-of-sale (POS) device, where the authentication protocol is not used to complete a payment event and may or may not utilize real-time online connectivity to the transaction card's issuer, e.g., the issuer's authentication server, to facilitate the transaction in connection with the authentication protocol. Consistent with the disclosed embodiments, the systems and methods may utilize one or more computing devices, processors, web servers, account servers, and / or contactless devices (e.g., radio frequency identification (RFID) cards).

[0011] Various embodiments of the present disclosure provide one or more benefits in terms of verifying contactless cards, including, in various embodiments, allowing a user associated with a contactless card to utilize the enhanced security provided by dynamic authentication techniques, e.g., online and / or online and offline hybrid techniques, associated with a payment protocol, but for purposes other than making or completing a payment. In various embodiments, utilizing online and / or online and offline hybrid techniques improves the efficiency of a computing device, e.g., a mobile phone, by providing a single method for authenticating or verifying a contactless card, and by extension, a user across one or more applications, even when payments are not associated with the application and / or when the one or more applications are different in purpose (e.g., a transportation application in conjunction with an entertainment application). Furthermore, because one or more payment protocols can provide improved security given the nature of the authentication associated therewith, for example, the EMV standard maintains high security for the purpose of avoiding theft of funds, the security benefits are conveyed to other contexts and applications. Thus, in various embodiments, a payment authorization protocol can be used to efficiently and more securely authenticate contactless cards, and by extension, to authenticate users in connection with various applications and purposes, including activities that do not involve wireless communication, transactions, and / or payments, in accordance with various embodiments related thereto.

[0012] Furthermore, in contrast to purely offline methods, online or hybrid methods allow for proper synchronization between the counter utilized by the contactless card, e.g., the application counter (ATC), and the issuer's counter, which can prevent errors during the verification process if multiple offline events occur without the issuer (e.g., server) being notified and updated accordingly. Various embodiments utilizing a combination of offline and online methods (e.g., hybrid methods) provide the additional advantage that a suitable vehicle for authentication is available in the event of a network outage or if additional security is needed. Furthermore, various embodiments provide partial access via authentication via online methods and full access once offline verification is performed (or vice versa). This provides further flexibility, as some applications (e.g., banking applications providing access to financial accounts) have a first level of information with a certain level of sensitivity (e.g., name, address, etc.) and a second level of information with a higher level of sensitivity (e.g., account balance, PIN information, passcode or passphrase information, etc.). Thus, various embodiments provide the ability to ensure proper security for access to one or more aspects of an application or multiple applications and / or provide proper synchronization of counter information.

[0013] FIG. 1 illustrates a schematic diagram of an exemplary system 100 consistent with disclosed embodiments. As shown, system 100 includes one or more contactless cards 101, one or more mobile devices 110, and a server 120. Contactless card 101 may represent any type of payment card, such as a credit card, a debit card, an ATM card, or a gift card. In various embodiments, contactless card 101 or card 101 is a virtual payment card. Contactless card 101 may include one or more chips (not shown), such as radio frequency identification (RFID) chips, configured to communicate with mobile device 110 via wireless communication via NFC, EMV standards, or other near-field protocols. While NFC is used as an exemplary communication protocol, the present disclosure is equally applicable to other types of wireless communication, such as other suitable communication protocols compliant with EMV standards, Bluetooth, and / or Wi-Fi. Mobile device 110 represents any type of network-enabled computing device, such as a smartphone, a tablet computer, a wearable device, a laptop, a portable gaming device, etc. Server 120 represents any type of computing device, such as a server, a workstation, a computing cluster, a cloud computing platform, a virtualized computing system, etc.

[0014] As shown, the contactless card's memory 102 includes data stores for card data 103, a counter 104, a master key 105, a diversified key 106, a unique customer identifier 107, and an account number 108. The card data 103 generally includes account-related information, such as information used to process payments using the contactless card 101. For example, the card data 103 may include an account number, an expiration date, a billing address, and a card verification value (CVV). The account number may be any type of account number, such as a primary account number (PAN), a virtual account number, and / or a token generated based on a PAN. Other types of account numbers are contemplated, and the use of account numbers or other types of card data 103 should not be considered a limitation of this disclosure. Card data 103 may further include name, billing address, shipping address, and other account-related information. Account numbers 108 store single-use virtual account numbers with associated expiration dates and CVV values. For example, account numbers 108 may include thousands of single-use virtual account numbers, expiration dates, and CVV values.

[0015] As shown, memory 111 of mobile device 110 includes an instance of operating system (OS) 112, and processor 119 executes one or more operations associated with applications of operating system (OS) 112 and / or performs other suitable operations associated with processor activity, including comparison operations and executing instructions associated with memory 111. Example operating systems 112 include Android® OS, iOS®, Linux®, and Windows® operating systems. As shown, OS 112 includes one or more applications, such as an account application 113, an authentication or verification application or service 114 (hereinafter referred to as the “authentication application” for convenience), one or more other applications 115, and / or one or more access applications 116. The account application 113 enables a user to perform various account-related operations, such as viewing account balances, purchased items, and payment transactions. Initially, a user can authenticate to access account application 113 using authentication information. For example, the authentication information may include a username and password, biometric information, etc.

[0016] The authentication application 114 is generally configured to determine when a contactless card and / or a user associated with the contactless card requires authentication for a transaction, service, event, or access request, including purposes other than a payment event, wireless communication, service, or request. For example, the authentication application 114 can determine that a user requests access to a particular application, e.g., an access application 116, other than a payment request. In various embodiments, the access application 116 can be associated with a contactless card associated with a user. The access application 116 can be or include an application configured to grant access to particular services associated with the user account, such as transportation services (e.g., public transportation), health insurance accounts, financial accounts or applications including account balances, brokerage information, or other suitable financial data, or other suitable financial data, service applications (e.g., retail services, delivery services, entertainment services, gaming services, etc.), and other suitable applications requiring user and / or contactless card authentication. In various embodiments, the access application 116 is associated with first-level user account options for a user account, which first-level user account options may include viewing account balances, viewing recent transactions, etc. In various embodiments, the access application 116 may be associated with a payment mechanism, e.g., a credit or bank account, for making or receiving payments, while the authentication communication may involve a non-payment mechanism for authentication or verification, e.g., credit or debit card activation. In various embodiments, the authentication application 114 may facilitate an authentication protocol that utilizes separate API interfaces and calls for access to the access application 116.The authentication application 114 can be configured to verify the contactless card and / or a user associated with the contactless card by utilizing any suitable payment protocol, including one or more of any verification processes, utilizing cryptographic techniques, e.g., standards or authentication protocols compliant with EMV standards. In various embodiments, the authentication application 114 is configured to synchronize the counter 104 associated with the contactless card 101 and a server 120 associated with the issuer, such as the issuer's authentication server, that can communicate with the contactless card 101 and the mobile device when authentication of the contactless card 101 and / or a user associated with the contactless card 101 occurs.

[0017] In various embodiments, the authentication application 114, in cooperation with the server 120 and / or the contactless card 101, can log the approval of non-payment communications (e.g., communications) related to the counter. The log can be a counter log 121 located in the memory 122 of the server 120 or the memory 102 of the contactless card 101. The log can maintain separate accounts of events that are payment events and / or communications and non-payment events and / or communications, regardless of the total tally of the counter 104 and the server 120 or the contactless card 101. The authentication application 114, in communication with the server 120 and / or the contactless card, can use the information contained therein as an anti-fraud measure. For example, the authentication application 114 and / or the server 120 can reject a payment event and / or communication if a threshold number of non-payment events and / or communications is too small (or too large) between the non-payment event and / or communication and the payment event and / or communication, or vice versa. In various embodiments, the counter log 121 containing identifying information, e.g., counts, between non-payment and payment communications and / or transactions may be used during online or offline verification protocols or for other suitable purposes.

[0018] In various embodiments, the authentication application 114 is associated with the account application 113. For example, the authentication application 114 can be installed on the mobile device 110 with the account application 113, and the user is prompted to enable the authentication application 114 after installation. More generally, each time the account application 113 is opened, the account application 113 may determine whether the authentication application 114 has been enabled as the default authentication application for the OS 112. If the authentication application 114 has not been enabled as the default authentication application, the account application 113 may enable the authentication application 114 as the default authentication application for the OS 112 and / or prompt the user to enable one or more features of the authentication application 114. Once enabled as the default authentication application for the OS 112, the authentication application 114 may programmatically identify when the authentication application requires authentication and may utilize a payment protocol to enable verification, even if the payment is not associated with verification or authorization. In various embodiments, to initiate an authentication or verification protocol (e.g., at least one action associated with an online or offline verification technique or protocol), the authentication application 114 may prompt the user to tap the contactless card 101 to the mobile device 110 to initiate the authentication application 114 or one or more actions associated therewith.

[0019] Generally, in various embodiments described herein, an online verification or authentication protocol may include one or more of the following operations: an authentication application may initiate communication, e.g., wireless communication, to verify the identity of the contactless card and / or a user associated with the contactless card; wherein the authentication application may initiate an application, e.g., access application 116, in whole or in part, by prompting the user to tap contactless card 101 against a computing device, e.g., mobile device 110; the communication may include NFC communication between card reader 118 and contactless card 101, wherein contactless card 101 may provide one or more inputs, including an updated version of an application transaction counter (ATC), to mobile device 110; contactless card 101 or mobile device 110 (including any suitable components associated therewith) may generate an appropriate cryptogram based on the inputs; and contactless card 101 or mobile device 110 (including any suitable components associated therewith) may transmit the cryptogram and ATC to an issuer of contactless card 101 (e.g., server 120 associated with the issuer). The contactless card 101 and / or user may then receive a response from the issuer, e.g., the issuer's authentication server, validating or authorizing the contactless card (and, by extension, the associated user) and receiving access to one or more features associated with the application 116, where the received response is based on at least one cryptographic operation performed by the issuer (e.g., server 120) in response to receiving a cryptogram, where the generation of the cryptogram and the received response from the issuer, e.g., the issuer's authentication server, is based on a payment protocol, where communication and verification of the contactless card and / or user's user identity is distinct from completing a payment in connection with the payment protocol. As described herein, the protocol may be initiated by one or more taps of the contactless card 101 with the mobile device 110.

[0020] Generally, in various embodiments described herein, an offline verification or authentication protocol may include one or more of the following operations: the verification application 114 initiates NFC communication between the mobile device 110 and the contactless card 101 to provide the user with access to one or more features of an access application, and receives one or more inputs from the contactless card 101, the communication may utilize a card reader 118; the verification application 114 may facilitate receiving from the contactless card 101 a public key of a key pair and cardholder identification information of the card's account holder (e.g., a user); an application or component associated with the contactless card 101 and / or the verification application 114 may instruct a component of the card 101 to generate a digital signature by using the private key of the card's key pair; the mobile device 110 may receive the digital signature from the card 101 and verify the signature using the public key; as described herein, the protocol may be initiated by one or more taps of the contactless card 101 on the mobile device 110.

[0021] In various embodiments, a hybrid protocol may be utilized that includes one or more operations of an online and offline protocol. The online protocol may be initiated by a first or second tap of the contactless card 101 on the mobile device 110 and / or a comparison of first or second user credentials. The offline protocol may be initiated by a first or second tap of the mobile device 110 on the contactless card 101 and / or a comparison of first or second user credentials. The combination of offline and online protocols may be part of a single verification or authentication, or each may be associated with a partial verification or authentication.

[0022] In various embodiments, if the contactless card 101 is a virtual payment card, the authentication application 114 can retrieve information associated with the contactless card 101 by accessing a digital wallet implemented on the mobile device 110, the digital wallet including the virtual payment card.

[0023] As shown, server 120 further includes a data store for account data 124 and memory 122. Account data 124 includes account-related data for multiple users and / or accounts. For each account, account data 124 may include at least a master key 105, a counter 104, such as an application transaction counter ("ATC") 104, a customer ID 107, an associated contactless card 101, an account holder name, an account billing address, one or more shipping addresses, one or more virtual card numbers, and biometric information. Memory 122 includes a management application 123 and, for one or more accounts from account data 124, instances of card data 103, the counter 104, the master key 105, and a diversified key 106.

[0024] System 100 is configured to perform key diversification to protect data, sometimes referred to as key diversification. System 100 may implement an online authentication protocol or a hybrid online and offline authentication protocol. Both the online authentication protocol and the hybrid offline and online authentication protocol can utilize one or more operations of server 120.

[0025] In various embodiments, the authentication application 114 receives first application user credentials associated with a user profile from the user. The first application user credentials may include biometric data, an established gesture associated with user recognition, a username and password combination, etc. The processor 119 compares the first application user credentials with stored second application user credentials. The stored second application user credentials may be associated with the user identity and may be stored in memory 111 of the mobile device 110 or memory 122 of the server 120. In various embodiments, the stored second application user credentials are maintained on the server 120, and the first match is performed by the server 120. In various embodiments, upon determining a first match between the first application user credentials and the stored second application user credentials, the authentication application can grant the user access to one or more first-level user account options of the user account. The user account may be a financial account, a health insurance account, and / or other accounts associated with any service provider (e.g., a transit account, an entertainment account, etc.). Once the first match is determined, the user may access certain first-level user account options. The first-level user account options for the user account may include viewing the account balance, viewing recent transactions, events, etc. For greater access and / or performance of certain account functions, i.e., second-level user account options, second factor authentication may be required. The second-level user account options may include requesting a personal identification number (PIN) change and requesting a change of address. Various embodiments relating to first-level and / or second-level access are described in more detail below.

[0026] In various embodiments, the first match between the first application user credential and the stored second application user credential serves as a prerequisite for initiating and completing online and / or offline verification, and first-level access and / or second-level access to one or more mechanisms of the access application 116 is not granted until completion of at least one of the online and / or offline verification protocols. In various embodiments, the first match between the first application user credential and the stored second application user credential serves as a prerequisite for initiating either the online and / or offline protocols, but access to the first level information is granted in response to the first match, and second-level user access requires completion of one or both of the online and / or offline protocols in addition to any other prerequisites, such as a second comparison associated with the user information as described below, to grant access to the second level information.

[0027] In general, the server 120 (or other computing device) and the contactless card 101 may be equipped with the same master key 105 (also referred to as a master symmetric key). More specifically, each contactless card 101 is programmed with a separate master key 105 that has a corresponding pair with the server 120. For example, when the contactless card 101 is manufactured, a unique master key 105 can be programmed into the memory 102 of the contactless card 101. Similarly, the unique master key 105 may be stored in the customer record associated with the contactless card 101 in the account data 124 of the server 120 (and / or in a different secure location). The master key can be kept secret from all parties other than the contactless card 101 and the server 120, improving the security of the system 100.

[0028] The master key 105 can be used in conjunction with the counter 104, and key diversification can be used to improve security. The counter 104 contains a value synchronized between the contactless card 101 and the server 120. The counter value 104 can contain a number that changes each time data is exchanged between the contactless card 101 and the server 120 (and / or between the contactless card 101 and the mobile device 110). To enable NFC data transfer between the contactless card 101 and the mobile device 110, the account application 113 can communicate with the contactless card 101 when the contactless card 101 is in sufficient proximity (e.g., within NFC range) to a card reader 118 of the mobile device 110. The card reader 118 can be a digital reader with NFC capabilities, such as an NFC reader, and can be configured to be read from and / or communicate with the contactless card 101 (e.g., via NFC, Bluetooth, RFID, etc.). Thus, the example card reader 118 includes an NFC communication module, a Bluetooth communication module, and / or an RFID communication module.

[0029] For example, a contactless card and / or a user associated with the contactless card may require authorization or verification to access the access application 116. One or more components of the system 100, including the authentication application 114, may initiate communication (e.g., an API call or other suitable mechanism) with the access application 116 and utilize one or more payment protocols to verify or authenticate the contactless card and / or, in various embodiments, the user associated therewith, without effecting payment for the access application 116 or the particular aspect of the access application 116 that the user of the access application 116 seeks to access.

[0030] In various embodiments, one or more payment protocols may include online techniques as discussed elsewhere herein. The authentication application 114 can provide a prompt to the user so that the user can tap the contactless card 101 to the mobile device 110, thereby bringing the contactless card 101 into sufficient proximity with the card reader 118 of the mobile device 110 to enable NFC data transfer between the contactless card 101 and the card reader 118 of the mobile device 110. In various embodiments, the mobile device 110 can activate the card reader 118 via an API call. Additionally and / or alternatively, the mobile device 110 can activate the card reader 118 based on periodic polling of the card reader 118. More generally, the mobile device 110 can activate the card reader 118 and engage in communication using any available method.

[0031] In various embodiments, prior to initiating communication in connection with the contactless card 101, card reader 118, and mobile device 110, and / or immediately after establishing communication between the contactless card 101 and card reader 118, the verification application 114 can receive first application user credentials as a prerequisite for card activation and / or to begin using an online authentication protocol. The user can provide the first application user credentials after receiving a prompt from the authentication application and entering the credentials. As described above, the first application user credentials may include biometric data, an established gesture associated with user authentication, facial recognition, a username and password combination, etc. As described above, in various embodiments, the verification application 114 transmits the first application user credentials to the processor 191. The processor 119 compares the first application user credentials to stored second application user credentials. The stored second application user credential can be located in memory 111 associated with mobile device 110, memory 102 associated with contactless card 101, and / or memory 122 associated with server 120. In various embodiments, the first application user credential is provided to server 120, which compares the first application user credential to the stored second application user credential. In various embodiments, as described above, processor 119 transmits the comparison result to verification application 114 (e.g., for matching). In various embodiments, the first matching can initiate or serve as a prerequisite for one or more of: i) initiating the remainder of the online verification protocol to verify or authenticate the user for access to access application 116; and / or ii) allowing the user access to first-level user account options for the user account associated with access application 116 (e.g., viewing account balance, recent transactions, and / or recent communications).Thus, in various embodiments, in response to finding the first match, the verification authentication application initiates additional actions (associated with an online verification process) to verify the user's identity, including, but not limited to, authenticating a contactless card associated with the user.

[0032] In various embodiments, a second level of verification can be initiated to initiate or as a further condition for initiating additional actions. For example, processor 119 compares at least a portion of the user identity to at least a portion of the cardholder identification information. In various embodiments, the second verification grants the user access to second level user account options of the user account (e.g., card activation, personal identification number (PIN) change request, change of address request). According to various embodiments, the second level user account options represent a more secure mechanism associated with access application 116.

[0033] In various embodiments, online verification may occur directly when communication (e.g., NFC communication) involving mobile device 110, card reader 118, and contactless card 101 is established without first-level or second-level verification, as described above. In various embodiments, as discussed herein, when offline authentication is used in conjunction with online authentication to authenticate a contactless card and / or its associated user (e.g., hybrid online / offline authentication), the first-level verification is associated with initiating either the online or offline portion of the hybrid online / offline authentication, and the second-level verification is associated with initiating the other of the online or offline portion of the hybrid online / offline authentication.

[0034] In various embodiments, a first matching of the first application user credentials against the stored second application user credentials may or may not grant first-level access to an application, e.g., the access application 116, although the first matching can, in either case, serve as a prerequisite for initiating at least one of the online and / or offline protocols. In various embodiments where first-level access is not initially granted, successful completion of at least one online and / or offline protocol results in first-level access being granted. In various embodiments, second-level access to the access application 116 is granted immediately after completion of at least one of the online and / or offline verification protocols. In various embodiments, first level access is granted only after at least one of the online and / or offline protocols is completed, including embodiments in which first verification is used or omitted, and second level access is granted only upon successful completion of at least one other of the online and / or offline protocols, which in various embodiments is initiated only after an appropriate component successfully completes second verification, e.g., comparing at least a portion of the user identity to at least a portion of the cardholder identifying information. In various embodiments, successful completion of second verification by itself grants access to second level features of the access application 116 and serves as a prerequisite for completing at least one other of the offline and / or online protocols (not associated with first level access), and successful completion of at least one other of the offline and / or online protocols grants access to additional features of the access application 116.

[0035] In various embodiments, additional preconditions may be applied as conditions for initiating either the offline and / or online protocols, for example, initiating the offline authentication protocol only if there is a network failure that prevents online authentication, as discussed elsewhere.

[0036] In various embodiments, regardless of other preconditions, a first tap of the contactless card 101 on the mobile device 110 initiates one of the online and offline verification protocols, and a second or subsequent tap initiates the other of the online and offline verification protocols.

[0037] In various embodiments, after communication is established between the mobile device 110 and the contactless card 101, regardless of whether first-level and / or second-level and / or additional prerequisites have been applied or occurred, the contactless card 101 generates a message authentication code (MAC) cryptogram. In various embodiments, this may occur when the contactless card 101 is read by the account application 113. In particular, this may occur upon reading, e.g., an NFC read, of a Near Field Data Exchange (NDEF) tag, which may be created according to the NFC data exchange format. For example, a reader, such as the account application 113 and / or the card reader 118, may send a message, such as an applet selection message, with the applet ID of the NDEF-generating applet. In various embodiments, the generated cryptogram may be an Authorization Request Code (ARQC) cryptogram conforming to the EMV standard.

[0038] In various embodiments, upon confirmation of the selection, the read file message may be followed by a sequence of select file messages. For example, this sequence may include "select capability file," "read capability file," and "select NDEF file." At this point, a counter value 104 maintained in the contactless card 101 may be updated or incremented, which may be followed by "read NDEF file." At this point, a message may be generated, which may include a header and a shared secret. A session key may then be generated. A MAC cipher may then be generated from the message, which may include a header and the shared secret. The MAC cipher may then be concatenated with one or more blocks of random data, and the MAC cipher and random number (RND) may be encrypted using the session key. The cipher and header may then be concatenated, encoded as ASCII hex, and returned in NDEF message format (in response to the "read NDEF file" message). In various embodiments, the MAC cipher may be transmitted as an NDEF tag; in other examples, the MAC cipher may include a uniform resource indicator (e.g., a formatted string). The contactless card 101 then transmits the MAC code to the mobile device 110, which can then forward the MAC code to the server 120 for verification as described below (although in embodiments discussed elsewhere herein, for example, in offline situations, the mobile device 110 can verify the MAC code).

[0039] More generally, when preparing to send data (e.g., to server 120 and / or mobile device 110), contactless card 101 may increment counter value 104. Contactless card 101 then passes master key 105 and counter value 104 as input to a cryptographic algorithm, which generates diversified key 106 as output. The cryptographic algorithm may include an encryption algorithm, a Hash-Based Message Authentication Code (HMAC) algorithm, a Cryptographic Message Authentication Code (CMAC) algorithm, etc. Non-limiting examples of cryptographic algorithms may include symmetric encryption algorithms, such as 3DES or AES128, symmetric HMAC algorithms, such as HMAC-SHA-256, symmetric CMAC algorithms, such as AES-CMAC, and / or any other algorithm or technique that conforms to any applicable version of ISO / IEC 1833 and / or ISO / IEC 7816. The contactless card 101 can then encrypt data (e.g., customer identifier 107 and other data) using the variant key 106. The contactless card 101 can then transmit the encrypted data (e.g., encrypted customer ID 109) to the account application 113 on the mobile device 110 (e.g., via an NFC connection, a Bluetooth connection, etc.). The account application 113 on the mobile device 110 can transmit the encrypted data to the server 120 over the network 130. In at least various embodiments, the contactless card 101 transmits the counter value 104 along with the encrypted data. In such embodiments, the contactless card 101 can transmit either the encrypted counter value 104 or the unencrypted counter value (1043).

[0040] Upon receiving the encrypted customer ID 109, the management application 123 on the server 120 can perform the same symmetric encryption using the counter value 104 as input to the encryption and the master key 105 as the key for the encryption. As described above, the counter value 104 may be specified in the data received from the mobile device 110, or the counter value 104 may be maintained by the server 120 to implement key diversification for the contactless card 101. The output of the encryption may be the same variegated key value 106 generated by the contactless card 101. The management application 123 can then decrypt the encrypted customer ID 109 received over the network 130 using the variegated key 106, thereby revealing the data transmitted by the contactless card 101 (e.g., at least the customer identifier 107). This allows the management application 123 to verify the data transmitted by the contactless card 101 via the mobile device 110, for example, by comparing the decrypted customer ID 107 with the customer ID in the account data 124 for the account.

[0041] While a counter 104, e.g., an ATC, is used as an example, other data can be used to secure communication between the contactless card 101, the mobile device 110, and / or the server 120. For example, the counter 104 can be replaced with a random nonce (once) generated each time a new variegated key 106 is needed, a full counter value transmitted by the contactless card 101 and the server 120, a portion of the counter value transmitted by the contactless card 101 and the server 120, a counter maintained independently by the contactless card 101 and the server 120 but not transmitted between them, a one-time passcode exchanged between the contactless card 101 and the server 120, or a cryptographic hash of data. In various embodiments, one or more portions of the variegated key 106 can be used by the parties to create multiple variegated keys 106.

[0042] As shown, server 120 may include one or more hardware security modules (HSMs) 125. For example, one or more HSMs 125 may be configured to perform one or more cryptographic operations as disclosed herein. In various embodiments, one or more HSMs 125 may be configured as dedicated security devices configured to perform one or more cryptographic operations. HSMs 125 may be configured such that keys are not exposed outside of HSMs 125 but instead are maintained within HSMs 125. For example, one or more HSMs 125 may be configured to perform at least one of key derivation, decryption, and MAC operations. One or more HSMs 125 may be included within server 120 or may be in data communication with server 120.

[0043] As described above, key diversification techniques can be used to implement secure operations with contactless card 101. For example, once management application 123 verifies customer ID 109, which is encrypted using key diversification, management application 123 may send a message to authentication application 114 indicating that contactless card 101 and / or its associated user have been verified and / or authenticated, so that authentication application 114 can grant the user access to authentication application 116. In various embodiments, the transmitted output may include an Authorization Response Code (ARPC).

[0044] As implicit in one or more embodiments described herein, including those described above, a server 120 usable in online authentication or verification or online and offline hybrid operations can be configured to operate in accordance with EMV standards, including performing operations utilizing EMV payment protocols for non-payment purposes. The host server (or system) 120 may be associated with an authentication server of an issuer, e.g., the issuer of a card associated with a user. The host system includes a non-transitory computer-readable storage medium storing computer-readable program code executable by a processor, and the processor and storage medium may include one or more hardware or software components, including those generally depicted in FIG. 8 . The host system can be configured to receive transaction or communication data associated with the access application 116 and / or the contactless card 101. Receipt of the transaction or communication data can be facilitated, for example, by a verification application 114 (or other suitable component or application of the mobile device 110) associated with the mobile device 110 and the user (or other suitable computing device). The authentication application 114 can initiate authentication or verification communications with one or more other components, e.g., the contactless card 101, the card reader 118, etc. Transaction or communication data is received by server 120 from authentication application 114. The transaction or communication data may include: i) a counter (e.g., ATC) and a cipher based on one or more inputs of the communication and a symmetric key associated with the card. In various embodiments, the cipher is an Authorization Request Cipher (ARQC).

[0045] In various embodiments, server 120 may have a separate log, e.g., counter log 121, for logging ATC values ​​as associated with non-payment events or communications. The one or more inputs provided by mobile device 110 may include a designation that the event or communication is a non-payment event or communication and / or an indication regarding the nature of the access application 116. In various embodiments, server management application 123 of server 120 may be configured to identify, based on the nature of the access application (e.g., described as part of the input to the transaction, event, or communication, such as a gaming application, an entertainment application, a transportation application, etc.), by retrieving a designation from memory 122, e.g., in account data 124, that the access application 116 does not have a payment mechanism and / or that the contactless card 101 and / or associated payment protocol used to verify the user for the access application 116 does not employ a payment protocol to complete payments. In various embodiments, the same protocol may be used to make payments for the access application 116. Except that additional conditions are imposed for making a payment, for example, a first level comparison of user credentials with stored information is performed by the management application 123 to enable payment activity on the access application 116. The first and second level comparisons are initiated by a first tap and subsequent second tap of the contactless card 101 on the mobile device 110, respectively.

[0046] In various embodiments, once server 120 receives the communication or transaction data, it can send a response (e.g., from the issuer, e.g., the issuer's authentication server) to an appropriate component of mobile device 110, e.g., verification application 114, which verifies the identity of contactless card 101 and / or its associated user based on the received cryptogram. Verification application 114 can then grant access to relevant portions or mechanisms of access application 116. The access mechanism may be, for example, the first and / or second level information described above in embodiments where no user credential comparison is performed, and / or any other suitable mechanism. In various embodiments, verification is based on one or more cryptographic techniques discussed herein, including based on recreating a symmetric key and / or the entire cryptogram (the generation of which is based in part on the use of a symmetric key) by the issuer, e.g., the issuer's authentication server, in response to receiving the communication or transaction data. In various embodiments, operations as described in connection with server 120 are associated with a payment protocol that includes an application separate from access application 116, and therefore the cryptographic and encryption techniques and transmitted responses are based on the payment protocol, but because at least one mechanism associated with access application 116 is associated with a non-payment mechanism and the payment protocol is executed to access that mechanism, contactless card verification and, by extension, user identity verification or authentication of the user is distinct from the payment protocol and completion of the payment protocol. In various embodiments, only received verification from server 120, e.g., a purely online technique, can be used to verify or authenticate the user to receive access to one or more mechanisms of access application 116.

[0047] In various embodiments, server 120 can utilize counter log 121 to implement anti-fraud measures. In various embodiments, counter log 121 may include timestamps associated with counter values ​​associated with one or more non-payment events or communications. In various embodiments, counter log 121 may include timestamps associated with counter values ​​associated with one or more payment events or communications. In various embodiments, ATC counter values ​​associated with a particular event or communication, for example, whether it is a payment event or communication or a non-payment event or communication, may also be logged. Management application 123 may be configured to compare the general number of payment events or communications that occur between non-payment events or communications. If the number of payment events or communications after a non-payment event or communication exceeds a certain threshold, management application 123 may reject the payment event or communication, or the event or communication may otherwise be completed (e.g., it is envisioned that a user may use a payment protocol for both non-payment and payment protocols, such that an excessively high number of payment events or communications after a non-payment event or communication is considered fraudulent). In various embodiments, the opposite can be implemented, for example, a threshold number of non-payment events or communications occurring after a payment event or communication may cause the management application 123 to reject the particular non-payment event or communication if verification or authentication occurs. In various embodiments, a threshold for the time between any events or communications (e.g., payment or non-payment) in terms of exceeding a minimum or maximum threshold may cause the management application 123 to reject the authentication or verification operation. The counter log 121 may also be used to perform any other suitable action, including performing anti-fraud measures in any other suitable manner.

[0048] In addition to one or more online operations outlined herein and above, system 100 can facilitate one or more offline operations for verifying or authenticating a contactless card and / or user offline, where, in various embodiments, the offline operations are used in combination with the online techniques, and in various embodiments, the offline operations can be used under certain preconditions, for example, when a network failure prevents the use of one or more online operations.

[0049] In various embodiments, the verification application 114 receives first application user credentials to access one or more aspects or features of the authentication application 116 in a manner similar to that discussed with respect to embodiments described herein with respect to online verification techniques; offline verification or authentication techniques can utilize payment protocols compliant with EMV standards for purposes other than completing a payment event or communication. A user can provide first application user credentials after receiving a prompt from the authentication application. The first application user credentials may include biometric data, an established gesture associated with user recognition, a username and password combination, facial recognition, or the like. In various embodiments, the verification application 114 transmits the first application user credentials to the processor 191. The processor 119 compares the first application user credentials with stored second application user credentials. The stored second application user credentials can be located in a memory 111 associated with the mobile device 110 or in the memory 102 of the contactless card 101.

[0050] In various embodiments, the processor 119 transmits the comparison result to the verification application 114 (e.g., for verification). In various embodiments, the first match can grant the user access to first-level aspects (e.g., user account options of the user account) associated with the authentication application 116 (e.g., viewing account balances and / or recent events or communications). In response to finding the first match, the verification application 114 initiates verification or authentication of the user's identity using one or more offline operations. For example, the authentication application 114 may output a notification to bring the contactless card 101 close to the mobile device 110 for display on the mobile device 110. The verification application 114 can then communicate with the contactless card 101 (e.g., after bringing the contactless card 101 close). Communication between the verification application 114 and the contactless card 101 may include bringing the contactless card 101 close enough to the card reader 118 of the mobile device 110 to enable NFC data transfer between the verification application 114 and the contactless card 101. In various embodiments, contactless card 101 transmits to authentication application 114 or other suitable component or application of mobile device 110 the public key of the public / private key pair and the cardholder identification information of the card's account holder, e.g., the contactless card and / or user to be verified or authenticated with respect to access application 116. In various embodiments, verification application 114 can instruct contactless card 101 to generate a digital signature using the private key of the card's key pair. In various embodiments, the cardholder identification information may be incorporated into or carried along with the digital signature.

[0051] In various embodiments, contactless card 101 transmits the digital signature to verification application 114 or other suitable component or application of mobile device 110. In various embodiments, verification application 114 can transmit the digital signature to processor 119, which can verify the digital signature using the public key. For example, contactless card 101 can provide a hash of the card's public key encrypted by a trusted source (e.g., the card provider's private key), and verifying the digital signature may include decrypting the encrypted hash (e.g., with the card provider's public key), calculating a new hash of the digital signature, and comparing the decrypted original hash to the new hash for authentication, at which point the card provider (e.g., the issuer, e.g., the issuer's authentication server) and transaction card are authenticated.

[0052] In various embodiments, both READ and WRITE NFC functionality can be used to perform at least a portion of offline authentication (e.g., offline dynamic data authentication) between the contactless card 101 and the user's mobile device 110. In various embodiments, utilizing both READ and WRITE NFC functionality provides the inherent advantage of more reliably authenticating the contactless card 101 (and associated user) (e.g., with greater security from counterfeiting or card skimming, or man-in-the-middle attacks) used as a form of authentication when accessing one or more aspects of the application 116. In various embodiments, the processor 119 compares at least a portion of the user identity to at least a portion of the cardholder identification information, similar to the discussion in connection with the embodiments described herein with respect to online verification. In various embodiments, the second verification grants the user access to second-level user account options (e.g., card activation, personal identification number (PIN) change request, change of address request) for the user account. In various embodiments, the second-level user account options represent a more secure mechanism for accessing the application 116.

[0053] In various embodiments, as discussed and illustrated elsewhere herein, when offline authentication is used in conjunction with online authentication to authenticate a contactless card and / or its associated user (e.g., hybrid online / offline authentication), the first level of verification is associated with initiating either the online or offline portion of the hybrid online / offline authentication, and the second level of verification is associated with initiating the other of the online or offline portion of the hybrid online / offline authentication. In various embodiments, as discussed elsewhere herein, additional preconditions may be applied, such as initiating the offline authentication protocol only if there is a network failure that prevents the online authentication from occurring.

[0054] In various embodiments, the mobile device 110 and / or contactless card 101 may be configured to utilize a counter log 121 (not explicitly shown with respect to the mobile device 110) to implement anti-fraud measures.

[0055] In various embodiments, for example, when both online and offline approaches are implemented, verifying the digital signature may be performed by a server, for example, server 120 connected to mobile device 110 connected by network 130. For example, processor 119 may output the digital signature for transmission to server 120, and server 120 may verify the digital signature.

[0056] 2A is a schematic diagram 200 illustrating an example embodiment of tapping to initiate online verification or hybrid online and offline verification or authentication of a user (and / or its associated contactless card) utilizing a payment protocol for purposes separate from completing a payment. A graphical user interface (GUI) of a verification application 114 on a mobile device 110 may include a prompt 206 to tap the contactless card 101 to initiate authentication or verification for another application, such as an access application 116. A separate API interface may be provided for transmitting the verification or authentication by the verification application 114 to the access application 116. In various embodiments, the access application 116 provides prompt 202 as a prerequisite for receiving the tap prompt 206 or, after the tap occurs and prior to additional online or offline verification operations, enters user authentication information (e.g., as described with reference to FIG. 1) for comparison for first-level and / or second-level information access for the access application 116. In various embodiments, the verification application 114 provides an interface or prompt 202 for entering user credentials to the access application 116 and / or any other application, such as the other application 115 .

[0057] In various embodiments, once contactless card 101 is tapped to mobile device 110, authentication application 114 sends certain instructions to contactless card 101 via card reader 118 (e.g., via NFC, Bluetooth, RFID, etc.). In various embodiments, the instructions may specify performing one or more of the encryption techniques described with respect to FIG. 1 . In various embodiments, an online authentication technique is used, with verification application 114 receiving transaction or communication data from server 120. In various embodiments, both online and offline authentication techniques are used, with verification application 114 and contactless card 101 utilizing public / private key encryption techniques to authenticate contactless card 101 and / or its associated user. In various embodiments, the prompts for transmitting data between contactless card 101 and mobile device 110 may specify transmitting data to authentication application 114 via an EMV protocol or any suitable standards-compliant protocol, and in various embodiments, authentication application 114 receives any suitable data directly from contactless card 101 via an EMV protocol or standards-compliant protocol. In various embodiments, tapping may be associated with one or both of first and second level information access as described herein, with the first tap providing a comparison of first and / or second user and / or additional user credential information before implementing a verification and / or authentication methodology (e.g., online and / or online / offline hybrid).

[0058] 2B is a schematic diagram 210 illustrating an example embodiment of tapping to initiate online verification or hybrid online and offline verification or authentication of a user utilizing a payment protocol for purposes separate from completing a payment. Whether authenticating or verifying the contactless card 101 and / or its associated user using online verification or authentication, including utilizing the server 120; whether authenticating or verifying the user without involving the server 120 using offline verification, including utilizing the mobile device 110, the contactless card 101, and / or the card reader 118; and / or whether authenticating or verifying the contactless card and / or the user, the mobile device 110 using hybrid offline and online verification, including utilizing the mobile device 110, the card reader 118, the contactless card 101, and / or the server 120, a message 207 indicating that access to the access application 116 is authorized may appear on the GUI of the mobile device 110. In various embodiments, access is authorized without a message prompt.

[0059] 3A is a schematic diagram 300 illustrating an example embodiment of tapping to initiate online verification or authentication or authentication of a user (and / or its associated contactless card) utilizing a payment protocol for purposes separate from completing a payment. Generally, FIGS. 3A-3C reflect various embodiments in which successive taps are used to provide first level information associated with an application, and second level information associated with an application and the contactless card and the user associated with the contactless card and application.

[0060] 2A , the graphical user interface (GUI) of the verification application 114 on the mobile device 110 may include a prompt 302 to tap the contactless card 101 to initiate authentication or verification for other applications, e.g., the access application 116, and a separate API interface may be provided for transmitting the verification or authentication (once completed) by the verification application 114 to the access application 116. In various embodiments, the access application 116 provides a prompt 304 before or as a prerequisite to the tap prompt 302, or immediately after the tap is performed and before additional online or offline verification or authentication operations are performed, to enter user authentication information for comparison for a first level of information access for the access application 116 (e.g., as described with reference to FIGS. 1 and 2A ). In various embodiments, the verification application 114 provides an interface or prompt 304 for entering user authentication information for the access application 116 and / or other applications, e.g., the other applications 115. Once contactless card 101 is tapped to mobile device 110, authentication application 114 sends instructions to contactless card 101 via card reader 118 (e.g., via NFC, Bluetooth, RFID, etc.). In various embodiments, the instructions may specify performing one or more cryptographic techniques, as described with respect to Figures 1 and 2A. In various embodiments, prompt 304 is provided by an application, such as access application 116 or verification application 114. Prompt 304 may be initiated in response to tapping the contactless card on mobile device 110 or as prerequisites for the tap being valid, as previously described.

[0061] In various embodiments, as also discussed with reference to FIGS. 1 and 2A , first application user credential information (which may include biometric data, an established gesture associated with user recognition, a username and password combination, etc.) is compared to stored second application user credential information, for example, by processor 119 of mobile device 110. The stored second application user credential information may be associated with a user identity and may be stored in either memory 111 of mobile device 110, memory 102 of the contactless card, or memory 122 of server 120. In various embodiments, as described above, upon determining a first match between the first application user credential information and the stored second application user credential information, authentication application 114 may grant the user access to one or more first-level user account options of the user account. As described above, the user account may be a financial account, a health insurance account, and / or any other account (e.g., a transit account, an entertainment account, etc.) associated with any service provider. Once verified, the user may access the particular first-level user account options. First level user account options for a user account may include viewing account balance, viewing recent events or communications, etc. First level verification may be a prerequisite for initiating either offline or online authentication verification techniques.

[0062] In various embodiments, once the first level of authentication is performed, either online or offline authentication as described herein occurs. In various embodiments, an online authentication approach is used, where verification application 114 receives event or communication data from server 120. In various embodiments, an offline authentication approach is used, where verification application 114 and contactless card 101 authenticate the user with the contactless card and / or by extension using public / private key cryptography. In various embodiments, prompts for transmitting data between contactless card 101 and mobile device 110 can instruct authentication application 114 to transmit data via EMV or a standards-compliant protocol, and in various embodiments, authentication application 114 receives any suitable data directly from contactless card 101 via EMV or a standards-compliant protocol.

[0063] 3B, once the online or offline authentication or verification technique is complete, a second prompt to tap the card again may be initiated, which initiates another user credential comparison, grants a second level of access to applications associated with the user (and / or their associated contactless card), and performs a second authentication or verification of the user (and / or their associated contactless card) in connection with the applications. For example, if online verification or authentication was performed with respect to the first tap, then offline verification or authentication is performed with respect to the second tap, and vice versa.

[0064] FIG. 3B is a diagram 310 illustrating an example embodiment of tapping to initiate online verification or authentication or offline verification or authentication of a user utilizing a payment protocol for purposes other than completing a payment. In various embodiments, a prompt. As also described with reference to FIGS. 1, 2A, and 3A, the graphical user interface (GUI) of the verification application 114 on the mobile device 110 may include a prompt 306 to tap the contactless card 101 to initiate authentication or verification for another application, such as the access application 116. A separate API interface may be provided to transmit the verification or authentication by the verification application 114 (once completed) to the access application 116. In various embodiments, the prompts 306, 308 associated with diagram 320 are available only after a first level of authentication has occurred, either online or offline verification or authentication as outlined in FIG. 3A. The tap associated with diagram 320 is a second tap of the contactless card 101 on the mobile device 110. In various embodiments, the access application 116 provides the prompt 302 as a prerequisite for receiving the second tap prompt 306 or after the tap has occurred and before any additional online or offline verification operations, but inputs user authentication information for comparison for a second level of information access in association with the access application 116 (e.g., as described with reference to FIG. 1). The second level of information is additional access of more sensitive information that can be provided in addition to the first level of access described with reference to FIG. 3A, where the type of information and its associated applications are described with reference to at least one of FIGS. 1, 2A, and 3A. In various embodiments, the verification application 114 provides an interface or prompt 308 for inputting user authentication information in association with the access application 116 and / or any other application, e.g., other application 115.

[0065] As similarly described with reference to FIGS. 1, 2A, and 3A, once contactless card 101 is tapped to mobile device 110, authentication application 114 sends instructions to contactless card 101 via card reader 118 (e.g., via NFC, Bluetooth, RFID, etc.). In various embodiments, the instructions may specify performing one or more encryption techniques as described with reference to FIG. 1, except that, in various embodiments, if an online verification technique utilizing server 120 is employed with reference to FIG. 3A, offline operations are performed with reference to FIG. 3B, and vice versa. Once verified pursuant to additional online or offline verification techniques initiated with reference to the second tap, the user may access certain second-level user account options. In various embodiments, processor 119 compares at least a portion of the user identity with at least a portion of the cardholder identification information, similar to those discussed with reference to the embodiments described herein. The latter can be located in the memory 102 of the contactless card 101, the memory 122 of the server, and / or the memory 111 of the mobile device 110 (where it is accessed and used depending on whether an online or offline approach is used). In various embodiments, the second verification allows the user access to second-level user account options of the user account (card activation, personal identification number (PIN) change request, change of address request). In various embodiments, the second-level user account options represent a more secure mechanism for accessing applications 116.

[0066] In various embodiments, once first-level authentication is performed, either online or offline authentication as described herein occurs. In various embodiments, an online authentication approach is used, with verification application 114 receiving event or communication data from server 120. In various embodiments, an offline authentication approach is used, with verification application 114 and contactless card 101 utilizing public / private key cryptography to authenticate the contactless card and / or its associated user. In various embodiments, prompts for transmitting data between contactless card 101 and mobile device 110 may specify that the data be transmitted to authentication application 114 via an EMV protocol or any suitable standards-compliant protocol, and in various embodiments, authentication application 114 receives any suitable data directly from contactless card 101 via an EMV protocol or any suitable standards-compliant protocol.

[0067] 3C is a schematic diagram 320 illustrating an example embodiment of tapping to initiate online and offline verification or authentication of a user utilizing a payment protocol for purposes other than completing a payment. Once both online and offline verification techniques, which may include utilizing one or more of the mobile device 110, card reader 118, contactless card 101, and server 12, are employed and completed, in various embodiments, the techniques are completed in response to a first tap and a second tap, as described with respect to FIGS. 3A and 3B , and in response to comparing the user authentication information with stored information for first and second level access, a message 312 may appear on the GUI of the mobile device 110 indicating that access to the access application 116, including both first and second level information or mechanisms, is granted. In various embodiments, access is granted without a message prompt.

[0068] FIG. 4A illustrates a contactless card 101, which may include a payment card, such as a credit card, debit card, and / or gift card. As shown, the contactless card 101 may be issued by a service provider 405, with the card's name displayed on the front or back of the card 101. In various embodiments, the contactless card 101 may be unrelated to a payment card and may include, without limitation, an ID (identification) card. In various embodiments, the payment card may include a dual-interface contactless payment card. The contactless card 101 may include a substrate 410, which may include a single layer or one or more laminated layers of plastic, metal, and other materials. Exemplary substrate materials include polyvinyl chloride, polyvinyl chloride acetate, acrylonitrile butadiene styrene, polycarbonate, polyester, anodized titanium, palladium, gold, carbon, paper, and biodegradable materials. In various embodiments, contactless card 101 may have physical characteristics that conform to the ID-1 format of the ISO / IEC 7810 standard, or alternatively, the contactless card may conform to the ISO / IEC 14443 standard. However, it will be understood that contactless card 101 according to the present disclosure may have different characteristics, and the present disclosure does not require that the contactless card be implemented as a payment card.

[0069] The contactless card 101 may include identification information 415 displayed on the front and / or back of the card and a contact pad 420. The contact pad 420 may be configured to establish contact with other communication devices, such as the mobile device 110, a user device, a smartphone, a laptop, desktop, or tablet computer, etc. The contactless card 101 may also include processing circuitry, an antenna, and other components not shown in FIG. 4A . These components may be located behind the contact pad 420 or elsewhere on the substrate 410. The contactless card 101 may also include a magnetic strip or tape, which may be located on the back of the card (not shown in FIG. 4A ).

[0070] 4B, contact pad 420 of contactless card 101 may include processing circuitry 425 (including microprocessor 430 and memory 102) for storing and processing information. It will be understood that processing circuitry 425 may house additional components (including processors, memory, error and parity / CRC checkers, data encoders, anti-collision algorithms, controllers, command decoders, security primitives, and anti-tamper hardware) as necessary to perform the functions described herein.

[0071] The memory 102 may be read-only memory, write-once read-multiple memory, or read / write memory, e.g., RAM, ROM, EEPROM, and the contactless card 101 may include one or more of these memories. Read-only memory may be programmable at the factory as read-only or one-time programmable. One-time programmability provides the opportunity to write once and read many times. Write-once read-multiple memory is programmable at some point after the memory chip leaves the factory. Once the memory is programmed, it cannot be rewritten but can be read many times. Read / write memory can be programmed and reprogrammed many times after leaving the factory. Read / write memory can also be read many times after leaving the factory.

[0072] The memory 102 can be configured to store one or more applets 440, one or more counters 104, a customer identifier (ID) 107, and a virtual account number 108. The one or more applets 440 may include one or more software applications configured to run on one or more contactless cards, such as a Java Card applet. However, it will be understood that the applet 440 is not limited to a Java Card applet and may instead be any software application capable of running on a contactless card or other device with limited memory. The one or more counters 104 may include a numeric counter sufficient to store an integer. The customer identifier 107 may include a unique alphanumeric identifier assigned to a user of the contactless card 101, which identifier can distinguish the contactless card user from other contactless card users. In various embodiments, the customer identifier 107 can identify both the customer and the account assigned to that customer, and can further identify the contactless card associated with the customer's account. As described above, the account number 108 may include thousands of one-time-use virtual account numbers associated with the contactless card 101. The applet 440 of the contactless card 101 may be configured to manage the account number 108 .

[0073] While the processor and memory elements of the above example embodiments are described with reference to contact pads, the present disclosure is not limited thereto, and it will be appreciated that these elements may be implemented outside of, or entirely separate from, the pads 420, or as additional elements in addition to the processor 430 and memory 102 elements disposed within the contact pads 420.

[0074] In various embodiments, contactless card 101 may include one or more antennas 455. One or more antennas 455 may be disposed within contactless card 101 and around processing circuit 425 of contact pad 420. For example, one or more antennas 455 may be integral with processing circuit 425, or one or more antennas 455 may be used in conjunction with an external booster coil. As another example, one or more antennas 455 may be external to contact pad 420 and processing circuit 425.

[0075] In one embodiment, the coil of the contactless card 101 may function as the secondary coil of an air-core transformer. The terminal can communicate with the contactless card 101 by disconnecting power or amplitude modulation. The contactless card 101 can use gaps in the contactless card's power connection to infer data transmitted from the terminal, which can be maintained functionally via one or more capacitors. The contactless card 101 can again communicate by switching or modulating a load on the contactless card's coil. Load modulation can be detected in the terminal's coil via interference. More generally, using the antenna 455, processing circuitry 425, and / or memory 102, the contactless card 101 provides a communication interface for communicating via NFC, Bluetooth, and / or Wi-Fi communications.

[0076] As described above, contactless card 101 can be built on a software platform capable of running on a smart card or other device with limited memory, such as a JavaCard, to securely execute one or more applications or applets. Applet 440 can be added to the contactless card to provide one-time passwords (OTPs) for multi-factor authentication (MFA) in various mobile application-based use cases. Applet 440 can be configured to generate an NDEF message containing a cryptographically secure OTP encoded as an NDEF text tag in response to one or more requests, such as a near-field data exchange request, from a reader, such as a mobile NFC reader (e.g., of mobile device 110).

[0077] An example of an NDEF OTP is the NDEF short record layout (SR=1). In such an example, one or more applets 440 can be configured to encode the OTP as NDEF type 4, also known as text tags. In various embodiments, an NDEF message may contain one or more records. In addition to the OTP records, applet 440 can be configured to add one or more static tag records.

[0078] In various embodiments, one or more applets 440 can be configured to emulate an RFID tag. The RFID tag may include one or more polymorphic tags. In various embodiments, each time the tag is read, different cryptographic data is presented that indicates the authenticity of the contactless card. Based on one or more applications, an NFC read of the tag can be processed, and the data can be transmitted to a server, such as server 120, where it can be validated.

[0079] In various embodiments, contactless card 101 and server 120 may contain specific data to allow the card to be properly identified. Contactless card 101 may also include one or more unique identifiers (not shown). Each time a read operation is performed, counter 104 may be configured to increment. In various embodiments, each time data is read from contactless card 101 (e.g., by mobile device 110), counter 104 is sent to a verification server to determine whether counter values ​​104 are equal (as part of the verification).

[0080] One or more counters 104 can be configured to prevent replay attacks. For example, if a cryptogram is captured and replayed, if the counter 104 has been read or used, the cryptogram is immediately rejected; otherwise, it remains. If the counter 104 is not used, it can be replayed. In various embodiments, the counter incremented on the card is different from the counter incremented due to an event or communication. Because there is no communication between applets 440 on the contactless card 101, the contactless card 101 cannot determine the application transaction counter 104. In various embodiments, the contactless card 101 may include a first applet 440-1 (which may be a transaction applet) and a second applet 440-2. Each applet 440-1, 440-2 may include an individual counter 104.

[0081] In various embodiments, counter 104 may become out of sync. In various embodiments, counter 104 may increment to account for accidental reads, e.g., diagonal reads, that initiate transactions, events, or communications, but the application does not process counter 104. In various embodiments, when mobile device 110 is powered up, NFC may be enabled and device 110 may be configured to read available tags, but no action is taken in response to the read.

[0082] To keep the counter 104 synchronized, an application, e.g., a background application, may be run that is configured to detect when the mobile device 110 wakes up and synchronizes with the server 120, and the resulting read indicates that the counter 104 should move forward. In another example, a hashed one-time password may be used, allowing for an acceptable window of mis-synchronization. For example, if within a threshold number of 10, the counter 104 may be configured to move forward. However, if within a different threshold number, e.g., within 10 or 1000, a request to perform a re-synchronization may be processed, which may require the user to tap, gesture, or otherwise indicate one or more times via the user's device through one or more applications. If the counter 104 increments in the proper order, the user may know that they have done so.

[0083] The key diversification scheme described with reference to counter 104, master key 105, and diversified key 106 is one example of an encryption and / or decryption key diversification scheme. This example key diversification scheme should not be considered a limitation of this disclosure, as this disclosure is equally applicable to other types of key diversification schemes.

[0084] During the contactless card 101 creation process, two cryptographic keys can be assigned uniquely to each card. The cryptographic keys may include symmetric keys that can be used to both encrypt and decrypt data. The Triple DES (3DES) algorithm can be used by EMV and is implemented by hardware within the contactless card 101. Using a key diversification process, one or more keys can be derived from a master key based on uniquely identifiable information for each entity requiring a key.

[0085] In various embodiments, to overcome the shortcomings of the 3DES algorithm, which is susceptible to vulnerabilities, a session key (e.g., a unique key per session) may be derived, but rather than using a master key, a unique card-derived key and counter may be used as diversification data. For example, each time the contactless card 101 is used during operation, a different key may be used to create the message authentication code (MAC) and perform the encryption, resulting in a triple encryption layer. The session key may be generated by one or more applets and may be derived using one or more algorithms (defined in EMV 4.3 Book 2 A1.3.1 Common Session Key Derivation) using an Application Transaction Counter (ATC).

[0086] Furthermore, the increment for each card may be unique, assigned by personalization, or algorithmically assigned by some identifying information. For example, odd-numbered cards may increment by 2, and even-numbered cards may increment by 5. In various embodiments, the increment may vary with sequential readout, so that a card may increment by 1, 3, 5, 2, 2, ... repeatedly. A specific sequence or algorithmic sequence can be defined from one or more processes derived from the personalization time or unique identifier. This makes it more difficult for a replay attacker to generalize from a small number of card instances.

[0087] The authentication message may be sent as the content of a textual NDEF record in hexadecimal ASCII format. Alternatively, the NDEF record may be encoded in hexadecimal format.

[0088] 5 illustrates one embodiment of a logic flow 500. Logic flow 500 may represent some or all of the operations performed by one or more embodiments described herein. For example, logic flow 500 may include some or all of the operations for verifying or authenticating a user utilizing an online authentication payment technique, at least in part for purposes other than completing an EMV-compliant payment. Embodiments are not limited in this context.

[0089] As shown, logic flow 500 begins at block 505, where at least one of verification application 114, OS 112, management application 123, and / or other suitable applications can initiate a transaction, event, or communication to validate the contactless card, and, in various embodiments, by extension, the identity of a user associated with contactless card 101. In various embodiments, verification can be initiated by tapping contactless card 101 on mobile device 110. In various embodiments, access application 116 provides a prompt prior to receiving the tap prompt or immediately after the tap occurs and prior to additional online verification operations to input user authentication information for comparison to access first-level and / or second-level information related to access application 116. The nature of the first-level and / or second-level information and / or mechanisms are described elsewhere herein. In various embodiments, the user authentication information is associated with a user profile and entered into an interface provided by mobile device 110, where, as described above, first application user authentication information may include biometric data, an established gesture associated with user recognition, a username and password combination, etc. The first application user credential may be sent by the verification application 114 to the management application 123 on the server 120, where the first application user credential is compared to the stored second credential.

[0090] In block 510, according to various embodiments, if a match is found, communication is initiated between the mobile device 110 and the contactless card 101, where the communication utilizes the card reader 118 and where the communication is based on the NFC protocol. In various embodiments, instead of sending the first application authentication information for comparison at the server 120, a comparison is made between the mobile device 110 and the contactless card 101, and the stored second authentication information is saved in the contactless card's memory 102. In various embodiments, the comparison of the user authentication information is omitted, and tapping the contactless card 101 on the mobile device 110 initiates a prompt to select which application requires authentication, e.g., the access application 116. The NFC communication between the contactless card 101 and the mobile device 110 initiates online verification or authentication of the user using a payment protocol compliant with the EMV standard, but intended to include verification or authentication for purposes other than simply completing a sale or purchase. In various embodiments, either the tap or the user credential comparison may be a precondition for the tap or user credential comparison, and by extension may provide a precondition for the remainder of the flow associated with flow 500.

[0091] In block 515, according to various embodiments, the contactless card 101 can provide one or more inputs, including an application transaction counter (ATC), to the mobile device 110 as part of a transaction, event, or communication through communication with the card. In block 520, the contactless card 101, in communication with the mobile device 110, can generate a cryptogram, such as an ARQC, based on the inputs of the transaction, event, or communication and a symmetric key associated with the card. In various embodiments, blocks 515 and 520 may be combined into a single or simultaneous sequence. In various embodiments, the operations may be performed separately. In various embodiments, receiving the inputs by the mobile device 110 and generating the cryptogram by the contactless card may include one or more operations. The operations may include the verification application 114 sending instructions to the contactless card 101 via the NFC card reader 118 specifying that encrypted data be generated and transmitted. This operation may further include the contactless card 101 incrementing a counter value 104 in memory 102 in response to receiving the instructions to generate the encrypted data. The operations may further include the contactless card 101 generating a variegated key 106 using the counter value 104 and the master key 105 in the memory 102 and the cryptographic algorithm. The operations may further include the contactless card 101 encrypting data (e.g., a customer identifier (ID) 107) using the variegated key 106 and the cryptographic algorithm to generate encrypted data (e.g., an encrypted customer ID 109). The operations may further include the contactless card 101 being able to transmit the encrypted data to a verification application 114 on the mobile device 110, for example, using NFC. In various embodiments, the contactless card 101 may further include an indication of the counter value 104 along with the encrypted data.

[0092] At block 525, the verification application 114 of the mobile device 110 can transmit the data received from the contactless card 101 to the management application 123 of the server 120 (which, as described above, may be associated with the issuer of the contactless card 101). At block 530, the mobile device 110 can receive a response from the issuer by the server 120 based on the transmitted cryptogram (and other transmitted information), thereby verifying the identity of the contactless card and / or the user. The received response may be based on the re-creation of the symmetric key and / or the entire cryptogram (e.g., generated in part using the symmetric key) by the issuer, e.g., the issuer's authentication server, in response to receiving the cryptogram, e.g., at the server 120 associated with the issuer. In various embodiments, one or more operations are associated with block 525. This operation may include the management application 123 of the server 120 generating the variant key 106 using the master key 105 and the counter value 104 as inputs to a cryptographic algorithm. In various embodiments, management application 123 uses counter value 104 provided by contactless card 101. In various embodiments, management application 123 increments counter value 104 in memory 122 and synchronizes the state of counter value 104 in memory 122 with counter value 104 in memory 102 of contactless card 101. Thus, in various embodiments, not only is the user (and / or contactless card) verified, but counters, e.g., ATCs, are synchronized between contactless card 101 and server 120, reducing errors when processing subsequent transactions, events, and communications.

[0093] In various embodiments, the above operations and blocks associated with FIG. 5 comply with the EMV standard, and the generated cryptography and associated received responses are part of a payment protocol, except that, if initiated by the access authentication application 114, the verification and authentication derived from execution of the payment protocol was for a purpose other than completing a payment, e.g., to gain access to one or more non-payment features of the access application 116.

[0094] 6 illustrates one embodiment of a logic flow 600. Logic flow 600 may represent some or all of the operations performed by one or more embodiments described herein. For example, logic flow 600 may include utilizing an updated ATC associated with the verification or authentication operation of FIG. 5 to perform anti-fraud measures. Embodiments are not limited in this context.

[0095] As shown, logic flow 600 begins after one or more operations of FIG. 5 are completed; in various embodiments, the flow begins at block 530 of FIG. 5. At block 610, an updated version of the ATC is stored on a host device associated with the issuer, e.g., server 120. Thus, in various embodiments, flow 600 is associated with at least one embodiment of FIG. 5, where the ATC is stored in counter log 121 on server 120, and synchronization exists between the ATC on contactless card 101 and the ATC stored on server 120. At block 615, fraud prevention measures can be performed by server 120 using the ATC. In various embodiments, counter log 121 may include timestamps associated with counter values ​​associated with one or more non-payment events or communications. The timestamps may be logged by an internal counter or timing device of server 120 in communication with management application 123, which uses a timing or clock device to log the timing of events or communications. In various embodiments, counter log 121 may include timestamps associated with counter values ​​associated with one or more payment events or communications; again, the timestamps may be logged by an internal counter or timing device in communication with management application 123, which utilizes a timing or clock device to log the timing of the events or communications. In various embodiments, the ATC counter values ​​associated with a particular event or communication (e.g., be it a payment event or communication or a non-payment event or communication) may be logged by management application 123. In various embodiments, management application 123 may be configured to recognize any event or communication originating from validation application 114 as a non-payment event or communication, regardless of its specific nature, and any other event or communication that utilizes user authentication information as a payment event or communication.Alternatively, management application 123 may utilize the first- and second-level user credential scheme outlined herein as a mechanism for determining when an event or communication is a payment or non-payment event or communication. For example, if an event or communication utilizes operation of server 120 to perform authentication, and if both first- and second-level access is granted, it is a payment event or communication; otherwise, it is a non-payment event or communication. Any other suitable technique may be used to distinguish and log events or communications as payment events or communications or non-payment events or communications.

[0096] In various embodiments, as described above, the management application 123 may be configured to compare the typical number of payment events or communications occurring between non-payment events or communications. If the number of payment events or communications after a non-payment event or communication exceeds a certain threshold, the management application 123 may reject the payment event or communication; otherwise, the event or communication may be completed (e.g., a user is expected to be able to use a payment protocol for non-payment and payment protocols, such that an excessively large number of payment events or communications after a non-payment event or communication is deemed fraudulent). In various embodiments, a threshold related to the time between any events or communications, e.g., payments or non-payments, in terms of exceeding a minimum or maximum threshold may cause the management application 123 to reject the authentication or verification action. The counter log 121 may be used to perform any other appropriate action, including performing anti-fraud measures in any other appropriate manner.

[0097] 7A illustrates one embodiment of a logic flow 700A. Logic flow 700A may represent some or all of the operations performed by one or more embodiments described herein. For example, logic flow 700A may include some or all of the operations for performing both online and offline verification and authentication of a user utilizing a payment protocol, but for purposes that involve authentication or verification separate from completing a payment. The embodiments are not limited in this context.

[0098] Generally, in various embodiments, blocks 710-725 correspond to offline verification techniques, and blocks 730-745 correspond to online verification techniques. Either the offline or online verification techniques can initiate a first or second, and each can operate independently of the other, and in various embodiments, one can be utilized to verify, but not the other.

[0099] As shown, logic flow 700 begins at block 705, where an application, such as verification application 114 on mobile device 110, communicates with contactless card 101. In various embodiments, verification application 114 receives first application user credentials associated with a user profile from a user. In various embodiments, communication begins by tapping mobile device 110 with contactless card 101. As described above, the user may provide the first application user credentials after receiving a prompt from authentication application 114. In various embodiments, as described above, the first application user credentials may include biometric data, an established gesture associated with user recognition, a username and password combination, etc. In various embodiments, processor 119 compares the first application user credentials with stored second application user credentials. The stored second application user credentials may be associated with a user identity. The user identity may include a personal identification number (PIN), the user's name, address, date of birth, etc. In various embodiments, after determining the first match, the verification application 114 allows access to first-level user account options, including viewing accounts, viewing recent transactions, events, communications, etc. In response to determining the match, the mobile device 110 partially verifies the user's identity and begins the offline verification process by proceeding to one or more of blocks 710-725 (or alternatively, mimicking the online verification process and proceeding to one or more of blocks 730-745). In various embodiments, the user credential comparison is skipped entirely. In block 710, the verification application 114 receives the public key of the card's public / private key pair from the contactless card 101. In various embodiments, the verification application 114 may also receive card information for the contactless card 108. The card information may include cardholder information such as a personal identification number (PIN), the user's name, address, date of birth, etc.

[0100] In block 715, the verification application 114 instructs the contactless card 101 to generate a digital signature using the private key of the card's key pair. The contactless card 101 generates the digital signature, and the verification application 114 receives the digital signature from the contactless card 101 in block 720. In block 725, the mobile device can verify the digital signature (by operation of the processor 119 and / or with the aid of an application, e.g., the verification application 114) by using the public key of the card's key pair.

[0101] Once the offline verification is complete, the online operations associated with blocks 730-745 may be performed (or, if the online operations were performed first, the offline operations may be performed next). In various embodiments, as a prerequisite for performing the online operations (or performing the offline operations), the processor 119 of the mobile device 110 may compare the card information to the user account (as described above). For example, the processor 119 may compare the user identity to the cardholder identification information (as described above). In some embodiments, after verifying with the contactless card 101, the verification application 114 may grant access to second-level user account options (including, by way of non-limiting examples, card activation, personal identification number (PIN) change request, change of address request, etc.) (as described elsewhere herein). The second-level user account options may have higher security requirements than the first-level user account options and, in various embodiments, may be granted only after online (or offline) verification has been performed, e.g., the second-level mechanism is granted only after a comparison of the cardholder information with the user identity has been performed, e.g., online (or offline) verification is an additional requirement for granting the second-level account options.

[0102] In various embodiments, a first tap of the contactless card 101 on the contactless card 101 serves as a prerequisite for first-level information (and / or performing an online or offline operation), and a second tap of the contactless card 101 on the mobile device 110 serves as a prerequisite for accessing second-level information (and / or performing an online or offline operation). The first and second taps can be alternatives to user authentication information and / or user information comparison and / or may serve as additional prerequisites for performing online and / or offline operations and / or accessing first-level and / or second-level information. In various embodiments, the user authentication information and information comparison and tapping may be omitted, and offline and / or online operations may be the basis for accessing first-level and / or second-level information.

[0103] In various embodiments, blocks 730-745 correspond to operations generally similar to those described with respect to blocks 515-530. In various embodiments, once verification from the issuer, e.g., the issuer's authentication server, is received in block 745, e.g., once online verification is complete, the ATC 104 associated with the server 120 that performed the online verification can be synchronized with the ATC 104 of the contactless card 101 because a single transaction, event, or communication has occurred. The verification application 114 may indicate, as part of its communication in one or more of the operations associated with blocks 730-745, that no additional uptick in the contactless card 101 needs to occur when the online operation is performed, but that an uptick will occur if an offline verification is performed (or vice versa).

[0104] 7B illustrates one embodiment of a logic flow 700B. The logic flow 700B may represent some or all of the operations performed by one or more embodiments described herein. For example, the logic flow 700B may include some or all of the operations to perform both online and offline verification and authentication of a user utilizing a payment protocol, but for purposes that involve authentication or verification that are different from completing a payment. The embodiments are not limited in this context.

[0105] At block 750, the verification application 114 may transmit the first application user credential to the processor 119 to grant the user access (e.g., one or more mechanisms) to the access application 116. In various embodiments, the communication is initiated by tapping the contactless card 101 on the mobile device 110. In various embodiments, the processor 119 compares the first application user credential to stored second application user credential information. The stored second application user credential information may be located in memory 111 associated with the mobile device 110, memory 102 associated with the contactless card 101, and / or memory 122 associated with the server 120. In various embodiments, the first application user credential is provided to the server 120, which compares the first application user credential to the stored second application user credential information. In various embodiments, as described above, the processor 119 transmits the comparison result to the verification application 114 (e.g., for verification). In block 755, an appropriate component of the mobile device, e.g., processor 119, and / or an appropriate component of contactless card 101, and / or an appropriate component of server 120, e.g., management application 123, verification application 114, may initiate at least one of: i) one or more hostless (e.g., server-less) operations (e.g., offline protocols); and / or ii) one or more authentication server verification operations (e.g., server-associated online protocols or operations). In various embodiments, block 750 is omitted, no match or comparison is performed for block 750, and flow proceeds directly to block 760. In various embodiments, if the comparison verifies a match between the first user credentials and the stored second credentials, partial access (e.g., first level access) to one or more features of access application 116 is granted.In various embodiments, first level access is granted only if at least one of the authentication server or hostless verification operations is successfully performed and the contactless card (and / or user) is verified or authorized in association therewith. Both the hostless and authentication server verification operations are associated with payment protocols that can comply with EMV standards, and at least one of the protocols can be used to enable non-payment functions, and the non-payment mechanism is different from the payment mechanism associated with completing the payment.

[0106] In block 760, the verification application 114 determines whether the authentication server verification protocol can be performed. For example, the management application 123 may deny the verification because a hold has been placed on the user account. The denial is sent to the verification application, and / or the verification application 114 may determine a network failure. If the verification application 114 determines that the authentication server verification or authorization protocol can be performed, flow 700B may proceed to block 762, where issuer verification operations may be performed to verify and / or authorize the contactless card and / or its associated user. In various embodiments, one or more of the operations associated with FIG. 5 may be performed in block 762, including one or more operations for performing authentication server verification operations, authorizing the contactless card and / or its associated user, and ensuring that the application transaction counter value 104 of the server 120 is current and ongoing. In various embodiments, after the authentication server verification operation is performed in block 762, the contactless card, and by extension, the user associated with it, if successfully verified according to those verification operations, gains second-level access to additional mechanisms associated with the access application 116. In various embodiments, an additional requirement for receiving second-level access includes the server's management application 123 performing a second comparison, e.g., comparing at least a portion of the user identity with at least a portion of the cardholder identification information (the cardholder information may be provided from the contactless card 101 and / or the mobile device). Note that the types of first-level and / or second-level access are described above with respect to one or more other embodiments of the present disclosure. In various embodiments, once the authentication server-verification operation and / or second-level user comparison are performed, flow 700A ends without performing any offline (e.g., hostless) operations.

[0107] If an issuer (e.g., authentication server) or hosted protocol (e.g., online protocol) is not implemented, flow 700B can proceed to block 765. At block 765, a second comparison of the user identity to the cardholder identifying information is performed as a prerequisite for proceeding with the flow, and a successful second comparison may or may not include granting a second level of access, as no offline or online verification is performed at this stage in the flow. In various embodiments, processor 119 compares at least a portion of the user identity to at least a portion of the cardholder identifying information, and as a result of an NFC communication between contactless card 101 and mobile device 110, the cardholder identifying information is transmitted to mobile device 110 (e.g., processor 119 of mobile device 110). If no match is found at block 767, verification ends. In various embodiments, the end of flow 700B at block 767 results in access to one or more features of access application 116 being denied. Here, the denial may or may not be a denial of first-level and / or second-level access to the access application 116. In various embodiments, the second user credential comparison (and / or the first user credential comparison of block 750) is omitted and flow proceeds directly from block 760 to block 770.

[0108] If the comparison at block 767 is successful (e.g., a match is determined) and / or the operations at block 767 are omitted, flow 700B can proceed to block 770. In block 770, verification application 114 determines whether the authentication server protocol or operations cannot be performed as a result of a network or technical failure. If verification application 114 cannot be performed as a result of a network or technical failure, flow 700A proceeds to block 775 to perform a hostless or offline protocol. The offline protocol may include one or more of the offline operations outlined herein and may include the operations of blocks 705-725 of FIG. 7A. In various embodiments, block 775 may require a second tap of contactless card 101 before initiating the offline operation. In various embodiments, successful completion of the offline operation provides a second level of access in addition to any first level of access that may already have been granted as a result of operations associated with a previous block, e.g., block 750. And / or successful completion of the offline operation grants first and / or second level access to the access application 116 if first level access was not previously granted.

[0109] In various embodiments, flow 700B proceeds from block 775 to block 780. In block 780, the verification application 114 extracts an updated ATC value 104 from the contactless card 101 as a result of the completed offline verification or authentication. The updated ATC value 104 is stored in memory associated with the mobile device 110. In block 785, the verification application 114 continuously polls the network associated with facilitating communication between the server 120 and the mobile device 110 to determine when connectivity is restored and / or when a technical impairment prohibiting communication between the server 120 and the mobile device 110 subsides. Once network connectivity is restored, in block 790, the updated ATC value 104 is transmitted from the mobile device 110 to the server 120, synchronizing the data in the contactless card 101 and the server 120, which may prevent a verification or authentication error from occurring the next time, e.g., during the next verification.

[0110] In various embodiments, if the verification application 114 determines at block 770 that the authentication server operation may not be performed as a result unrelated to a technical failure, flow 700B ends without granting access to one or more aspects of the access application 116 (including first-level and / or second-level access to the access application 114).

[0111] In various embodiments, the contactless card 101 can be tapped to a device, such as one or more computer kiosks or terminals, to verify identity and receive a transaction item in response to a purchase, such as a coffee. Using the contactless card 101 can establish a secure method of proving identity for loyalty programs. Securely providing identity to, for example, earn rewards, coupons, discounts, or receive benefits is established in a manner other than simply scanning a bar card. For example, a cryptographic transaction can occur between the contactless card 101 and a device, which can be configured to process one or more tap gestures. As described above, one or more applications can be configured to verify a user's identity and then act on or respond to it, for example, via one or more tap gestures. In various embodiments, data, such as bonus points, loyalty points, reward points, healthcare information, and the like, can be rewritten to the contactless card.

[0112] In various embodiments, the contactless card 101 can be tapped to a device, such as a mobile device 110. As described above, the user's identity can be verified by one or more applications that grant the user desired benefits based on the verification of the identity.

[0113] In various embodiments, the exemplary authentication communication protocol can mimic, with some modifications, the EMV-standard offline dynamic data authentication protocol commonly implemented between transaction cards and point-of-sale (POS) devices. For example, because the exemplary authentication protocol is not used to complete a payment transaction with the card issuer / payment processor itself, certain data values ​​are not required, and authentication can occur without real-time online connectivity to the card issuer / payment processor. As known in the art, a point-of-sale (POS) system submits a transaction to a card issuer, including a transaction value. The issuer can approve or deny the transaction based on whether the card issuer recognizes the transaction value. In contrast, in certain embodiments of the present disclosure, transactions originating from mobile devices lack a transaction value associated with the POS system. Thus, in various embodiments, a dummy transaction value (i.e., a value recognizable to the card issuer and sufficient to allow activation to occur) can be passed as part of the exemplary authentication communication protocol. POS-based transactions can also be denied based on the number of transaction attempts (e.g., a transaction counter). A large number of attempts beyond the buffer value can result in a soft rejection, which requires further verification before accepting the transaction. In some embodiments, the buffer value for the transaction counter can be changed to avoid rejecting legitimate transactions.

[0114] In various embodiments, the contactless card 101 can selectively transmit information depending on the recipient device. Once tapped, the contactless card 101 can recognize the device to which the tap is aimed, and based on this recognition, the contactless card can provide the appropriate data to that device. This allows the contactless card to transmit only the information necessary to complete the action or transaction, such as a payment or card authentication. By limiting the transmission of data and avoiding the transmission of unnecessary data, both efficiency and data security can be improved. Information recognition and selective communication can be applied to various scenarios, including card activation, balance transfers, account access attempts, commercial transactions, and step-up fraud mitigation.

[0115] When the contactless card 101 is tapped against a device running the Apple iOS® operating system, such as an iPhone®, iPod®, or iPad®, the contactless card can recognize the iOS® operating system and transmit the appropriate data to communicate with the device. For example, the contactless card 101 can provide the encrypted identification information necessary to authenticate the card using an NDEF tag, for example, via NFC. Similarly, when the contactless card is tapped against a device running the Android® operating system, such as an Android® smartphone or tablet, the contactless card can recognize the Android® operating system and transmit the appropriate data to communicate with the device (e.g., the encrypted identification information necessary for authentication according to the methods described herein).

[0116] As another example, a contactless card tap can be directed to a point-of-sale device, including, without limitation, a kiosk, checkout register, payment station, or other terminal. Upon performing the tap, the contactless card 101 can recognize the point-of-sale device and transmit only the information necessary for the action or transaction. For example, upon recognition by the point-of-sale device used to complete a commercial transaction, the contactless card 101 can transmit the payment information necessary to complete the transaction under the EMV standard.

[0117] In various embodiments, a POS device participating in a transaction can request or specify additional information provided by the contactless card, such as device-specific information, location-specific information, and transaction-specific information. For example, once the POS device receives a data communication from a contactless card, the POS device can request additional information necessary to recognize the contactless card and complete the action or transaction.

[0118] In various embodiments, the POS device may be affiliated with an authorized merchant or other entity familiar with a particular contactless card or adapted to perform particular contactless card transactions, although it will be understood that such an affiliation is not required to practice the methods described above.

[0119] In various embodiments, for example, at a shopping store, grocery store, convenience store, etc., the contactless card 101 may be tapped to a mobile device without the need to open an application to indicate a desire or intent to cover one or more purchases using one or more reward points, loyalty points, coupons, discounts, etc., thereby providing post-purchase intent.

[0120] In various embodiments, one or more applications can be configured to determine that they have been launched via one or more tap gestures on the contactless card 101, resulting in the launch occurring at 3:51 pm and the transaction being processed or completed at 3:56 pm, verifying the user's identity.

[0121] In various embodiments, one or more applications can be configured to control one or more actions in response to one or more tap gestures. For example, the one or more actions may include collecting rewards, collecting points, determining most important purchases, determining least costly purchases, and / or reconfiguring other actions in real time.

[0122] In various embodiments, data can be collected on tapping behavior as a biometric / gesture authentication. For example, a cryptographically secure, intercept-resistant unique identifier can be transmitted to one or more backend services. The unique identifier can be configured to reference secondary information about an individual. The secondary information may include personally identifiable information about the user. In various embodiments, the secondary information may be stored within a contactless card.

[0123] In various embodiments, the device may include an application for splitting a bill or bill for payment among multiple individuals. For example, each individual may possess a contactless card and be a customer of the same issuing financial institution, but that is not required. Each of these individuals may receive a push notification on their device via the application to split the purchase. Rather than accepting only one card tap to indicate payment, other contactless cards may be used. In various embodiments, individuals with different financial institutions may possess contactless cards 101 and provide information to initiate one or more payment requests from the individual with a card tap.

[0124] In various embodiments, the present disclosure refers to tapping a contactless card, however, it will be understood that the present disclosure is not limited to tapping and includes other gestures (e.g., waving or other movements of the card).

[0125] 8 illustrates an embodiment of an exemplary computer architecture 800 comprising a computer system 802 suitable for implementing the various embodiments described above. In various embodiments, computer architecture 800 may be configured or implemented as part of an electronic device. In various embodiments, computer architecture 800 may represent, for example, a system implementing one or more components of system 100. In various embodiments, computer system 802 may represent, for example, mobile device 110 and server 120 of system 100. The embodiments are not limited in this context. More generally, computer architecture 800 is configured to implement all logic, applications, systems, methods, apparatus, and functions described herein with reference to FIGS. 1-7B.

[0126] As used in this application, the terms “system,” “component,” and “module” are intended to refer to any computer-related entity: hardware, a combination of hardware and software, software, or software in execution, an example of which is provided by exemplary computer architecture 800. For example, a component may be, but is not limited to, a process running on a computer processor, a computer processor, a hard disk drive, multiple storage drives (optical and / or magnetic storage media), an object, an executable, a thread of execution, a program, and / or a computer. By way of example, both an application running on a server and the server may be a component. One or more components may reside within a process and / or thread of execution, and components may be localized on one computer and / or distributed among two or more computers. Furthermore, components may be communicatively coupled to each other and coordinate operations by various types of communication media. Coordination may involve unidirectional or bidirectional exchange of information. For example, components may communicate information in the form of signals communicated over the communication media. The information may be embodied as signals assigned to various signal lines. In such assignments, each message is a signal. However, further embodiments may alternatively use data messages. Such data messages may be transmitted over a variety of connections, examples of which include parallel interfaces, serial interfaces, and bus interfaces.

[0127] Computer system 802 includes various typical computer elements such as one or more processors, multi-core processors, co-processors, processing circuits, memory units, chipsets, controllers, peripherals, interfaces, oscillators, timing devices, video cards, audio cards, multimedia input / output (I / O) components, power supplies, etc. However, embodiments are not limited to implementation by computer system 802.

[0128] 8, computer system 802 includes a processor 804, a system memory 806, and a system bus 808. Processor 804 may be any of a variety of commercially available computer processors or computer processing circuits, including, but not limited to, AMD® Athlon®, Duron®, and Opteron® processors, ARM® application, embedded, and secure processors, IBM® and Motorola® DragonBall® and PowerPC® processors, IBM and Sony® Cell processors, Intel® Celeron®, Core®, Core(2) Duo®, Itanium®, Pentium®, Xeon®, and XScale® processors and similar processors. Dual microprocessors, multi-core processors, and other multi-processor architectures may also be used as processor 804. The processor 804 can be configured by associated memory instructions contained in the system memory 806 such that, when executed on the processor (e.g., processor circuitry) 804, the processor can perform one or more operations associated with any one of Figures 5-7B and / or any other operations or techniques disclosed herein.

[0129] The system bus 808 provides an interface from the system memory 806 to system components including, but not limited to, the processor 804. The system bus 808 may be any of several types of bus structures that may further interconnect to a memory bus (with or without a memory controller), a peripheral bus, and a local bus using any of a variety of commercially available bus architectures. Interface adapters may connect to the system bus 808 through a slot architecture. Examples of slot architectures include, but are not limited to, Accelerated Graphics Port (AGP), CardBus, (Extended) Industry Standard Architecture ((E)ISA), MicroChannel Architecture (MCA), NuBus, Peripheral Component Interconnect (Expansion) (PCI(X)), PCI Express, Personal Computer Memory Card International Association (PCMCIA), etc.

[0130] The system memory 806 may include various types of computer-readable storage media in the form of one or more high-speed memory units, such as read-only memory (ROM), random-access memory (RAM), dynamic RAM (DRAM), double data rate DRAM (DDRAM), synchronous DRAM (SDRAM), static RAM (SRAM), programmable ROM (PROM), erasable programmable ROM (EPROM), electrically erasable programmable ROM (EEPROM), flash memory (e.g., one or more flash arrays), polymer memory such as ferroelectric polymer memory, ovonic memory, phase-change or ferroelectric memory, silicon-oxide-nitride-oxide-silicon (SONOS) memory, magnetic or optical cards, arrays of devices such as redundant array of independent disks (RAID) drives, solid-state memory devices (e.g., USB memory, solid-state drive (SSD)), and other types of storage media suitable for storing information. In the illustrated embodiment shown in FIG. 8, the system memory 806 may include non-volatile memory 810 and / or volatile memory 812. The non-volatile memory 810 may store a basic input / output system (BIOS).

[0131] Computer system 802 may include various types of computer-readable storage media in the form of one or more low-speed memory units, including an internal (or external) hard disk drive (HDD) 814, a magnetic floppy disk drive (FDD) 816 that reads from or writes to a removable magnetic disk 818, and an optical disk drive 820 that reads from or writes to a removable optical disk 822 (e.g., a CD-ROM or DVD). HDD 814, FDD 816, and optical disk drive 820 may be connected to system bus 808 by an HDD interface 824, an FDD interface 826, and an optical drive interface 828, respectively. HDD interface 824 for external drive implementations may include at least one or both of Universal Serial Bus (USB) and IEEE 1394 interface technologies. Computer system 802 is generally configured to implement all of the logic, systems, methods, devices, and functions described herein with reference to FIGS. 1-7.

[0132] The drives and associated computer-readable media provide volatile and / or nonvolatile storage of data, data structures, computer-executable instructions, etc. For example, a number of program modules may be stored on the drives and memory units 810, 812, including an operating system 830, one or more application programs 832, other program modules 834, and program data 836. In various embodiments, the one or more application programs 832, other program modules 834, and program data 836 may include, for example, various applications and / or components of system 100, such as operating system 112, account application 113, authentication application 114, other applications 115, access application 116, and / or management application 123.

[0133] A user may enter commands and information into the computer system 802 through one or more wired / wireless input devices, for example, a keyboard 838 and a pointing device such as a mouse 840. Other input devices may include a microphone, infrared (IR) remote control, radio frequency (RF) remote control, game pad, stylus pen, card reader, dongle, fingerprint reader, grab, graphics tablet, joystick, keyboard, retina reader, touch screen (e.g., capacitive, resistive, etc.), trackball, track pad, sensor, stylus, etc. These and other input devices are often connected to the processor 804 through an input device interface 842 coupled to the system bus 808, but may be connected by other interfaces, such as a parallel port, an IEEE 1394 serial port, a game port, a USB port, an IR interface, etc.

[0134] A monitor 844 or other type of display device is also connected to the system bus 808 via an interface, such as a video adapter 846. The monitor 844 may be internal or external to the computer system 802. In addition to the monitor 844, computers typically include other peripheral output devices, such as speakers, printers, etc.

[0135] Computer system 802 may operate in a networked environment using logical connections via wired and / or wireless communications to one or more remote computers, such as remote computer 848. Remote computer 848 may be a workstation, a server computer, a router, a personal computer, a portable computer, a microprocessor-based entertainment device, a peer device, or other common network node and typically includes many or all of the elements described relative to computer system 802, although for simplicity, only memory / storage device 850 is shown. The logical connections shown include wired / wireless connections to a local area network (LAN) 852 and / or larger networks, e.g., a wide area network (WAN) 854. Such LAN and WAN networking environments are commonplace in offices and businesses, facilitating enterprise-wide computer networks such as intranets. All of these may connect to a global communications network, e.g., the Internet. In an embodiment, network 130 of FIG. 1 is one or more of LAN 852 and WAN 854.

[0136] When used in a LAN networking environment, the computer system 802 is connected to the LAN 852 through a wired and / or wireless communication network interface or adapter 856. The adapter 856 may facilitate wired and / or wireless communication to the LAN 852, which may include a wireless access point disposed thereon for communicating with the wireless functionality of the adapter 856.

[0137] When used in a WAN networking environment, the computer system 802 may include a modem 858 or have other means for establishing communications over the WAN 854, such as connected to a communications server on the WAN 854 or via the Internet. The modem 858 may be internal or external, a wired and / or wireless device, and connects to the system bus 808 via the input device interface 842. In a networked environment, program modules depicted relative to the computer system 802, or portions thereof, may be stored in the remote memory / storage device 850. It will be appreciated that the network connections shown are exemplary and other means of establishing a communications link between computers may be used.

[0138] The computer system 802 is operable to communicate with wired and wireless devices or entities using the IEEE 802 family of standards, such as wireless devices operatively arranged for wireless communication (e.g., IEEE 802.16 wireless modulation techniques). This includes at least Wi-Fi (or Wireless Fidelity), WiMax, Bluetooth® wireless technologies, and the like. Thus, communication can be in a predefined structure, similar to a traditional network, or simply ad hoc communication between at least two devices. Wi-Fi networks use wireless technologies called IEEE 802.11x (a, b, g, n, etc.) to provide secure, reliable, and high-speed wireless connectivity. Wi-Fi networks can be used to connect computers to each other, to the Internet, or to wired networks (using IEEE 802.3-related media and functions).

[0139] Various embodiments may be implemented using hardware elements, software elements, or a combination of both. Examples of hardware elements may include a processor, a microprocessor, a circuit, a circuit element (e.g., a transistor, a resistor, a capacitor, an inductor, etc.), an integrated circuit, an application specific integrated circuit (ASIC), a programmable logic device (PLD), a digital signal processor (DSP), a field programmable gate array (FPGA), a logic gate, a register, a semiconductor device, a chip, a microchip, a chipset, etc. Examples of software may include a software component, a program, an application, a computer program, an application program, a system program, a machine program, an operating system software, a middleware, firmware, a software module, a routine, a subroutine, a function, a method, a procedure, a software interface, an application program interface (API), an instruction set, a computational code, a computer code, a code segment, a computer code segment, a word, a value, a symbol, or any combination thereof. The decision whether an embodiment is implemented using hardware and / or software elements may vary according to any number of factors, such as required computational speed, power level, thermal tolerance, processing cycle budget, input data rate, output data rate, memory resources, data bus speed, and other design or performance constraints.

[0140] At least one or more aspects of various embodiments may be implemented by representative instructions stored on a machine-readable medium that represent various logic within a processor, which, when read by a machine, causes the machine to manufacture logic that performs the techniques described herein. Such expressions, known as “IP cores,” are stored on tangible machine-readable media and provided to various customers or manufacturing facilities for loading into manufacturing machines that create the logic or processors. Various embodiments may be implemented using, for example, a machine-readable medium or article that may store instructions or sets of instructions that, when executed by the machine, cause the machine to perform methods and / or operations in accordance with the embodiments. Such a machine may include, for example, any suitable processing platform, computer platform, computing device, processing device, computer system, processing system, computer, processor, etc., and may be implemented using any suitable combination of hardware and / or software. A machine-readable medium or article may include, for example, any suitable type of memory unit, memory device, memory article, memory medium, storage device, storage article, storage medium and / or storage unit, such as memory, removable or non-removable media, erasable or non-erasable media, writable or rewritable media, digital or analog media, hard disk, floppy disk, compact disk read-only memory (CD-ROM), compact disk recordable (CD-R), compact disk rewriteable (CD-RW), optical disk, magnetic media, magneto-optical media, removable memory cards or disks, various digital versatile disks (DVDs), tape, cassette, etc. The instructions may include any suitable type of code, such as source code, compiled code, interpreted code, executable code, static code, dynamic code, encrypted code, etc., and may be implemented using any suitable high-level, low-level, object-oriented, visual, compiled and / or interpreted programming language.

[0141] The foregoing description of exemplary embodiments has been presented for purposes of illustration and description. It is not intended to be exhaustive or to limit the disclosure to the precise form disclosed. Many modifications and variations are possible in light of this disclosure. It is intended that the scope of the disclosure be limited not by this detailed description, but by the appended claims. Future applications claiming priority to this application may claim the disclosed subject matter differently and may generally include any set of one or more limitations as variously disclosed or demonstrated herein.

Claims

1. receiving, by an application executing on a processor, from the contactless card, a counter, a digital signature generated by the contactless card using the private key of the card's key pair, a public key, and the account holder's cardholder identification information; verifying, by the application, the digital signature based on the public key; receiving, by the application, a request including a non-payment event, the non-payment event including changing a personal identification number (PIN) of a contactless card; sending, by the application, a message to an authentication server including the request and a cryptogram, the cryptogram being based at least in part on a symmetric key associated with a counter and a card, the message conforming to a payment format of a payment protocol and including instructions to request authentication of a non-payment event using the payment protocol; receiving, by the application, a response from an authentication server verifying the cryptography, the response being based on a payment protocol, the response reflecting performance of a non-payment event, the response conforming to a payment format, and the response reflecting a change in a contactless card PIN, the server authenticating the non-payment event using the payment protocol based at least in part on the instruction requesting authentication of the non-payment event using the payment protocol; updating, by the application, a counter of the contactless card based on cryptographic verification based on a payment protocol, the counter being updated by incrementing the counter by a predetermined value associated with the card; and synchronizing the updated counter with a counter of an authentication server based on a predetermined value associated with the card.

2. and further comprising the step of: matching, by the application, the received cardholder identification information of the account holder with a stored user identity; The method of claim 1 , wherein the non-payment event further comprises one or more of: (i) activating a contactless card; or (ii) changing an address associated with a contactless card.

3. The method of claim 2 , wherein the response from the authentication server reflects one or more of: (i) activation of a contactless card; or (ii) a change in an address associated with a contactless card.

4. The method of claim 1 , wherein the counter, the digital signature, and the public key are received using near field communication (NFC).

5. The method of claim 1 , wherein the cryptogram is generated by either the contactless card or the application.

6. The method of claim 1 , wherein the cryptogram is generated based on a payment protocol, and the cryptogram is an Authorization Request Code (ARQC).

7. the message includes a predetermined transaction value that mimics a payment protocol to verify that the contactless card performs a non-payment event without completing a payment; The method of claim 1 , wherein the payment protocol comprises Europay, Mastercard, Visa (EMV) protocol.

8. A non-transitory computer-readable storage medium that, when executed by a processor, causes the processor to: receiving, by an application executing on a processor, from the contactless card, a counter, a digital signature generated by the contactless card using the private key of the card's key pair, a public key, and the account holder's cardholder identification information; verifying, by the application, the digital signature based on the public key; receiving, by the application, a request including a non-payment event, the non-payment event including changing a personal identification number (PIN) of a contactless card; sending, by the application, a message to an authentication server including the request and a cryptogram, the cryptogram being based at least in part on a symmetric key associated with a counter and a card, the message conforming to a payment format of a payment protocol and including instructions to request authentication of a non-payment event using the payment protocol; receiving, by the application, a response from an authentication server verifying the cryptography, the response being based on a payment protocol, the response reflecting performance of a non-payment event, the response reflecting a change to a contactless card PIN, and the response conforming to a payment format, the server authenticating the non-payment event using the payment protocol based at least in part on an instruction requesting authentication of the non-payment event using the payment protocol; updating, by the application, a counter of the contactless card based on cryptographic verification based on a payment protocol, the counter being updated by incrementing the counter by a predetermined value associated with the card; and synchronizing the updated counter with a counter of an authentication server based on a predetermined value associated with the card.

9. further comprising instructions for causing the processor to perform, by the application, matching the received cardholder identification information of the account holder with a stored user identity; 9. The computer-readable storage medium of claim 8, wherein the non-payment event includes one or more of: (i) activating a contactless card; (ii) changing a personal identification number (PIN) on a contactless card; or (iii) changing an address associated with a contactless card.

10. 10. The computer-readable storage medium of claim 9, wherein the response from the authentication server reflects one or more of: (i) activation of a contactless card; (ii) a change in a PIN for a contactless card; or (iii) a change in an address associated with a contactless card.

11. The computer-readable storage medium of claim 8 , wherein the counter, the digital signature, and the public key are received using near field communication (NFC).

12. The computer-readable storage medium of claim 8 , wherein the code is generated by either the contactless card or the application.

13. 9. The computer-readable storage medium of claim 8, wherein the cryptogram is generated based on a payment protocol, and the cryptogram is an Authorization Request Code (ARQC).

14. the message includes a predetermined transaction value that mimics a payment protocol to verify that the contactless card performs a non-payment event without completing a payment; 9. The computer-readable storage medium of claim 8, wherein the payment protocol comprises Europay, Mastercard, Visa (EMV) protocol.

15. receiving, by a server from an application executing on a client device, a message conforming to a payment format of a payment protocol, the message including: (i) a request to make a payment event associated with the contactless card; (ii) a counter generated by the contactless card; (iii) a digital signature generated by the contactless card using the private key of a public / private key pair; (iv) a cipher generated based on a symmetric key associated with the counter and the card; (v) instructions to request authentication of the payment event using the payment protocol; and (vi) a public key from the contactless card; verifying, by the server, the digital signature based on a public key associated with the card; decrypting, by the server, the encryption based at least in part on a counter and a symmetric key; authenticating, by the server, a non-payment event using a payment protocol based at least in part on an instruction in the message requesting authentication of the non-payment event using a payment protocol, the non-payment event including a change in a contactless card PIN; sending, by the server, a response based on a payment protocol to the application based on digital signature verification and cryptographic decryption, the response reflecting performance of the non-payment event, and the response conforming to a payment format; updating, by the server, an instance of a counter stored by the server based on cryptographic verification based on a payment protocol, the counter being updated by incrementing the counter by a predetermined value associated with the card; and synchronizing the updated counter with a counter generated by the contactless card based on a predetermined value associated with the card.

16. 16. The method of claim 15, wherein the non-payment event further comprises one or more of: (i) activating a contactless card; or (ii) changing an address associated with a contactless card.

17. The method of claim 15, wherein the code is generated by either the contactless card or the application.

18. 16. The method of claim 15, wherein the cryptogram is generated based on a payment protocol, and the cryptogram is an Authorization Request Code (ARQC).

19. 16. The method of claim 15, wherein the payment protocol comprises Europay, Mastercard, Visa (EMV) protocol.

20. the message further includes an indication of the type of the application; The server determines, based on the type of the application, whether the application does not include a payment mechanism or does not use a payment protocol to complete payments; 16. The method of claim 15, wherein the server further authenticates non-payment events with a payment protocol based on a determination that the application does not include a payment mechanism or does not use a payment protocol to complete payments.

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