Systems and methods for near field contactless card communication and cryptographic authentication

US11562358B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

• Jeffrey RULE · Chevy Chase Section Five, US
• Gaurang Bhatt · Herndon, US
• Lukiih Cuan · Washington, US
• Rocky Guo · Falls Church, US

Key dates

• Filing date: Jan 28, 2021
• Grant date: Jan 24, 2023
• Expiry date: Jan 28, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q2220/00
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to receive a cryptogram associated with a first near field communication data exchange format (NDEF) read. The processor may be configured to perform a first factor authentication of the cryptogram. The processor may be configured to receive a first data set, wherein the first data set is associated with a second NDEF read. The processor may be configured to extract metadata from the first data set. The processor may be configured to perform, after the first factor authentication, a second factor authentication based on the metadata. The processor may be configured to generate a message indicative of an outcome of the second factor authentication. The processor may be configured to transmit the message that instructs the processor to effectuate one or more actions.