Capital One Services, LLC

Evan Lerner

Lara Mossler

Aravindhan Manivannan

A technique for generating a diversified encryption key for a contactless legacy magnetic stripe card is disclosed. The diversified key can be generated using a master key, a key diversification value and an encryption algorithm. In one example embodiment, the key diversification value can be provided by the user as a fingerprint, numeric code or photo. The user can provide the key diversification value to the card or a cellphone. The card can generate the diversified key using the user provided key diversification value. The card or the cellphone can transmit the user provided diversification value to the server and the server can regenerate the diversified key using the user provided diversification value.

Client device authentication using contactless legacy magnetic stripe data

Various embodiments are generally directed to authenticating a user for non-payment purposes utilizing a payment protocol, a computer device and a contactless card. The payment protocol may be consistent with an EMV standard. An application may determine that authorization or verification of a user may be required to access non-payment features of another application associated with the user and the computer device. The application may then receive and/or facilitate transmission of encrypted data from a communications interface of a contactless card associated with an account and utilizing either an offline or online technique to do so. The offline or online technique may involve one or more operations that can verify the identity of the user and/or otherwise authorize the user to have access to various aspects of the other application.

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Midlothian, VA, United States of America

Evan Lerner