The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Aug. 10, 2021
Filed:
Dec. 17, 2019
Applicant:
Jpmorgan Chase Bank, N.a., New York, NY (US);
Inventors:
Himanshu Anand, London, GB;
Scott H. Ouellette, Kingston, NH (US);
Assignee:
JPMorgan Chase Bank, N.A., New York, NY (US);
Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G07F 7/10 (2006.01); G06Q 20/34 (2012.01); G06Q 20/40 (2012.01); G06Q 20/10 (2012.01);
U.S. Cl.
CPC ...
G07F 7/1008 (2013.01); G06Q 20/34 (2013.01); G06Q 20/4012 (2013.01); G06Q 20/10 (2013.01);
Abstract
An embodiment of the present invention is directed to systems and methods for securing contactless cards from unauthorized payments, including card cloning attacks. An embodiment of the present invention provides a password at the time of usage of the card to decrypt the data contained in the card at the time when the user is initiating a transaction. In this exemplary illustration, card data may be encrypted at rest, and decrypted at the time of use. Other variations may include a switchable antenna that is disabled at rest and enabled during a transaction.