Systems and methods for cryptographic authentication of contactless cards

Patent metadata

Field	Value
Publication number	US-10579998-B1
Application number	US-201916351441-A
Country	US
Kind code	B1
Filing date	Mar 12, 2019
Priority date	Oct 2, 2018
Publication date	Mar 3, 2020
Grant date	Mar 3, 2020

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.

First claim

What is claimed is:

1. A system for secure communication comprising:
a transmitting device having a processor and memory, the memory of the transmitting device containing a diversified master key, transmission data and a counter value;
an application comprising instructions for execution on a receiving device having a processor and memory, the memory of the receiving device containing a master key;
wherein the transmitting device is configured to:
generate a diversified key using the diversified master key, one or more cryptographic algorithms, and the counter value,
generate a cryptographic result including the counter value using the one or more cryptographic algorithms and the diversified key,
encrypt the transmission data using the one or more cryptographic algorithms and the diversified key to yield encrypted transmission data, and
transmit the cryptographic result and encrypted transmission data to the application;
wherein the application is configured to:
generate an authentication diversified key based on the master key and a unique identifier;
generate a session key based on the authentication diversified key and the cryptographic result; and
decrypt the encrypted transmission data and validate the received cryptographic result using the one or more cryptographic algorithms and the session key;

wherein, upon the initiation of an operation, the application is further configured to:
request a user identification;
pause the operation until the user identification has been authenticated;
upon authentication of the user identification, complete the operation,
wherein the user identification is provided after entry of the transmitting device into a communication field of the receiving device.

2. The system for secure communication of claim 1 , wherein the receiving device is configured to communicate with one or more servers to authenticate the user identification.

3. The system for secure communication of claim 1 , wherein the user identification is provided by the transmitting device.

4. The system for secure communication of claim 1 , wherein:
the receiving device is a server; and
the cryptographic result and encrypted transmission data are transmitted by the transmitting device to the application via one or more intermediary devices.

5. A method of securing an operation, the method comprising the steps of:
providing a transmitting device comprising a processor and memory and the memory of the transmitting device containing a diversified master key, identification data and a counter value;
providing an application comprising instructions for execution on the receiving device comprising a processor and a memory containing a master key;
wherein the transmitting device is configured to:
generate a diversified key using the diversified master key, one or more cryptographic algorithms, and the counter,
generate a cryptographic result including the counter value using the one or more cryptographic algorithms and the diversified key,
encrypt the identification data using one or more cryptographic algorithms and the diversified key to yield encrypted identification data, and
transmit the cryptographic result and encrypted identification data to the application;

wherein the application is configured to:
generate an authentication diversified key based on the master key and a unique identifier;
generate a session key based on the authentication diversified key and the cryptographic result; and
decrypt the encrypted identification data and validate the received cryptographic result using the one or more cryptographic algorithms and the session key;

initiating an operation;
pausing the operation until a user identification has been authenticated;
authenticating the user identification after entry of the transmitting device into a communication field of the receiving device thereby transmitting encrypted identification data from the transmitting device to the application, wherein the user identification is provided after entry of the transmitting device into the communication field; and
completing the operation.

6. The method of claim 5 , wherein the operation comprises a financial transaction.

7. The method of claim 6 , wherein the step of pausing the operation occurs prior to transmitting financial data associated with the financial transaction.

8. The method of claim 6 , wherein the financial transaction comprises withdrawing funds from an account.

9. The method of claim 5 , wherein the operation comprises accessing a physical space.

10. The method of claim 5 , wherein the operation comprises checking into a hotel.

11. The method of claim 5 , wherein the operation comprises auto-populating an online form.

12. The method of claim 5 , wherein the operation comprises unlocking a vehicle.

13. The method of claim 5 , wherein the operation comprises operating a vehicle.

14. The method of claim 5 , wherein the operation comprises accessing medical records.

15. The method of claim 5 , wherein the operation comprises accessing personal information.

16. The method of claim 5 , wherein the operation comprises calling a customer service agent.

17. The method of claim 5 , wherein the operation comprises changing a hotel reservation.

18. The method of claim 5 , wherein the operation comprises editing a password.

19. The method of claim 5 , wherein the operation comprises editing a mailing address.

20. The method of claim 5 , further comprising the steps of transmitting a passcode to a mobile device and requesting the passcode prior to completing the operation.

Assignees

• Capital One Services Llc

Inventors

• Newman Kaitlin
• Hart Colin
• Rule Jeffrey
• Mossler Lara
• Bermudez Sophie
• Mossoba Michael
• Lutz Wayne
• Crank Charles Nathan
• Heng Melissa
• Osborn Kevin
• Haynes Kimberly
• Cogswell Andrew
• Gulati Latika
• Cunningham Sarah Jane
• Ashfield James

Classifications

• H04L9/3234

  involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token (network architectures or network communication protocols for supporting authentication of entities using an additional device in a packet data network H04L63/0853) · CPC title

• H04L9/3228

  One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key · CPC title

• H04L9/0637

  Modes of operation, e.g. cipher block chaining [CBC], electronic codebook [ECB] or Galois/counter mode [GCM] · CPC title

• H04L9/002 Primary

  Countermeasures against attacks on cryptographic mechanisms (network architectures or network communication protocols for protection against malicious traffic H04L63/1441) · CPC title

• H04L9/0877

  using additional device, e.g. trusted platform module [TPM], smartcard, USB or hardware security module [HSM] · CPC title