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:
Mar. 31, 2026
Filed:
Jan. 06, 2023
Capital One Services, Llc, McLean, VA (US);
Kevin Osborn, Newton Highlands, MA (US);
Srinivasa Chigurupati, Long Grove, IL (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
The disclosed system and method are directed to a novel implementation of encryption service provision which obviates a need for network communication between a card manufacturing/personalization entity and a validation entity during the card personalization phase. The proposed solution decouples the operation flow associated with personalization of an OTP card (as carried out by a manufacturing HSM) and the validation of an OTP card cryptogram (as carried out by a distinct validation HSM). This is accomplished by the generation and distribution of a third master key which enables the personalization and the validation HSMs to independently derive the shared secret value used in generation and validation of a transaction cryptogram associated with an OTP card operation.