Systems and methods for phone-based card activation

Patent metadata

Field	Value
Publication number	US-12154097-B2
Application number	US-202217719191-A
Country	US
Kind code	B2
Filing date	Apr 12, 2022
Priority date	Oct 2, 2018
Publication date	Nov 26, 2024
Grant date	Nov 26, 2024

Abstract

Example embodiments of systems and methods for data transmission between a contactless card, a client device, and one or more servers are provided. The contactless card may include one or more processors and memory. The memory may include one or more applets. The client device may include one or more processors and memory. The client device may be in data communication with the contactless card. One or more servers may be in data communication with the client device. A first set of information may be transmitted from the contactless card to the client device. The first set of information may include one or more links to activate the contactless card. The client device may be configured to receive the first set of information from the contactless card. Upon validation of the first set of information, the contactless card may be activated.

First claim

What is claimed is:

1. A contactless card, comprising:
a processor; and
a memory containing an applet, wherein the applet is configured to:
dynamically generate data including an information element configured to activate the contactless card, and
stop dynamically generating the data after receipt of an instruction indicating activation of the contactless card.

2. The contactless card of claim 1 , wherein:
the information element comprises a phone number, and
the applet is further configured to dynamically generate the phone number.

3. The contactless card of claim 1 , wherein:
the memory further contains a second applet, and
the applet is configured to receive, from the second applet, a command to stop dynamically generating the data.

4. The contactless card of claim 3 , wherein the second applet comprises a payment applet.

5. The contactless card of claim 1 , wherein the applet is configured to stop dynamically generating the data after an interaction between the contactless card and a point of sale device.

6. The contactless card of claim 5 , wherein the point of sale device comprises at least one selected from the group of a kiosk, a checkout register, and a payment station.

7. The contactless card of claim 5 , wherein the interaction comprises a tap of the contactless card on the point of sale device.

8. The contactless card of claim 5 , wherein the interaction comprises transmission, by the contactless card of payment information to the point of sale device.

9. The contactless card of claim 1 , wherein:
the contactless card is configured to transmit the data to a server, and
the data further comprises a second information element and a third information element.

10. The contactless card of claim 9 , wherein:
the second information element comprising a character, and
the third information element an encrypted payload.

11. The contactless card of claim 10 , wherein the character comprises a comma corresponding to a pause associated with a phone call.

12. A method performed by a contactless card comprising a processor and a memory, the memory containing an applet, the method comprising:
dynamically generating, by the applet, data including an information element configured to activate the contactless card;
receiving, by the applet, an instruction indicating activation of the contactless card; and
stopping, by the applet after receipt of the instruction, the dynamic generation of the data.

13. The method of claim 12 , wherein:
the data further includes a second information element and a third information element, and
the method further comprises transmitting, after entry of the contactless card into a communication field, the data to a server.

14. The method of claim 13 , wherein:
the second information element comprising a character, and
the third information element an encrypted payload.

15. The method of claim 12 , wherein:
the memory further contains a second applet, and
the method further comprises receiving, by the applet from the second applet, a command to stop dynamically generating the data.

16. The method of claim 15 , wherein the second applet comprises a transactional applet.

17. A non-transitory computer-readable medium comprising instructions that, when executed by a contactless card comprising a processor and a memory, configure the contactless card to perform procedures comprising:
dynamically generating data including an information element configured to activate the contactless card;
receiving an instruction indicating activation of the contactless card; and
stopping, after receipt of the instruction, the dynamic generation of the data.

18. The non-transitory computer-readable medium of claim 17 , wherein:
the information element comprises a phone number, and
the contactless card is further configured to dynamically generate the phone number.

19. The non-transitory computer-readable medium of claim 18 , wherein:
the data further includes an identification token, and
the contactless card is further configured to:
dynamically generate the identification token, and
attach the identification token to the phone number.

20. The non-transitory computer-readable medium of claim 17 , wherein the contactless card is configured to stop dynamically generating the data a tap of the contactless card on a point of sale device.

Assignees

• Capital One Services Llc

Inventors

• Rule Jeffrey
• Heng Melissa
• Ashfield James
• Hart Colin
• Ilincic Rajko
• Lutz Wayne

Classifications

• G06Q20/4018

  using the card verification value [CVV] associated with the card · CPC title

• G06Q20/409

  Device specific authentication in transaction processing · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• G07F7/0893

  the card reader reading the card in a contactless manner · CPC title

• H04L63/0838

  using one-time-passwords · CPC title