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.

Date of Patent:
May. 21, 2024

Filed:

Aug. 27, 2021
Applicant:

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

Inventors:

Kevin Osborn, Newton Highlands, MA (US);

Jeffrey Rule, Chevy Chase, MD (US);

James Ashfield, Midlothian, VA (US);

Srinivasa Chigurupati, Long Grove, IL (US);

Assignee:

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

Attorney:
Primary Examiner:
Int. Cl.
CPC ...
G06Q 20/38 (2012.01); G06Q 20/34 (2012.01); H04L 9/08 (2006.01);
U.S. Cl.
CPC ...
G06Q 20/38215 (2013.01); G06Q 20/352 (2013.01); G06Q 20/3829 (2013.01); H04L 9/0822 (2013.01); H04L 2209/56 (2013.01);
Abstract

Example embodiments of systems and methods for data transmission system between transmitting and receiving devices are provided. In an embodiment, each of the transmitting and receiving devices can contain a master key. The transmitting device can generate a diversified key using the master key, protect a counter value and encrypt data prior to transmitting to the receiving device, which can generate the diversified key based on the master key and can decrypt the data and validate the protected counter value using the diversified key. Example embodiments of systems and methods can be used to provide further authentication and added levels of security for transactions.


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