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.:

US 11638148 B1

Date of Patent:

Apr. 25, 2023

Filed:

May. 06, 2020

Client device authentication using contactless legacy magnetic stripe data

Applicant:

Capital One Services, Llc, McLean, VA (US);

Inventors:

Evan Lerner, Midlothian, VA (US);

Lara Mossler, Farmville, VA (US);

Assignee:

CAPITAL ONE SERVICES, LLC, McLean, VA (US);

Attorney:

Hunton Andrews Kurth LLP

Primary Examiner:

Daniel B Potratz

Int. Cl.

CPC ...

H04L 9/08 (2006.01); G06Q 20/40 (2012.01); H04L 9/32 (2006.01); G07F 7/08 (2006.01); H04W 12/06 (2021.01); H04L 9/14 (2006.01); H04B 1/3816 (2015.01); H04M 1/02 (2006.01); H04L 9/40 (2022.01); G06Q 20/32 (2012.01); H04W 12/03 (2021.01); H04W 12/041 (2021.01); G06V 40/16 (2022.01); G06V 40/12 (2022.01); G06F 3/0488 (2022.01);

U.S. Cl.

CPC ...

H04W 12/06 (2013.01); G06Q 20/32 (2013.01); G06Q 20/40 (2013.01); G06V 40/1365 (2022.01); G06V 40/172 (2022.01); H04B 1/3816 (2013.01); H04L 9/0866 (2013.01); H04L 9/0877 (2013.01); H04L 9/14 (2013.01); H04L 9/3234 (2013.01); H04L 63/0853 (2013.01); H04M 1/0202 (2013.01); H04W 12/03 (2021.01); H04W 12/041 (2021.01); G06F 3/0488 (2013.01); G07F 7/08 (2013.01); H04L 2209/80 (2013.01);

Abstract

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.

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