Systems and methods for user information management using contactless cards

Patent metadata

Field	Value
Publication number	US-12155770-B2
Application number	US-202218077157-A
Country	US
Kind code	B2
Filing date	Dec 7, 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 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 method performed by a contactless card comprising a processor, a communication interface, and a memory containing a key and user information, the method comprising:
creating a cryptogram using the key; and
transmitting, after entry into a communication field, the cryptogram for decryption,
wherein the user information comprises:
information relating to an order,
a pre-stored configuration of the order, and
information relating to one or more rewards applicable to the order, wherein the one or more rewards are based on a frequency with which the contactless card enters the communication field and an orientation with which the contactless card enters the communication field.

2. The method of claim 1 , wherein the pre-stored configuration comprises a plurality of clicks for interaction of the contactless card with a receiving device generating the communication field.

3. The method of claim 1 , wherein the pre-stored configuration comprises an orientation for interaction of the contactless card with a receiving device generating the communication field.

4. The method of claim 1 , further comprising receiving one or more options relating to the order.

5. The method of claim 1 , further comprising receiving one or more rewards relating to the order.

6. The method of claim 1 , wherein the order comprises at least one selected from the group of a food order and a beverage order.

7. The method of claim 6 , wherein the information relating to the order enables preparation of the order.

8. The method of claim 7 , wherein the preparation of the order is enabled without a user associated with the contactless card standing in a line.

9. A contactless card, comprising:
a processor;
a memory containing a key and user information; and
a communication interface,
wherein the contactless card:
creates a cryptogram using the key, and
transmits, after entry into a communication field, the cryptogram for decryption, and
wherein the user information comprises:
information relating to an order,
a pre-stored configuration of the order, and
information relating to one or more rewards applicable to the order, wherein the rewards are based on a frequency with which the contactless card enters the communication field and an orientation with which the contactless card enters the communication field.

10. The contactless card of claim 9 , wherein the orientation with which the contactless card enters the communication field is associated with at least one of the one or more rewards.

11. The contactless card of claim 9 , wherein the orientation with which the contactless card enters the communication field enables at least one of the one or more rewards.

12. The contactless card of claim 9 , wherein the one or more rewards increased with an increased frequency of entry of the contactless card into the communication field.

13. The contactless card of claim 9 , wherein the contactless card receives a code to maintain an active status of the one or more rewards.

14. The contactless card of claim 9 , wherein the contactless card transmits a notification relating to the status of the one or more rewards.

15. A system, comprising:
a contactless card comprising a processor, a memory containing a key and user information, and a communication interface; and
an application comprising instructions for execution on a receiving device having a processor and a memory,
wherein, after entry into a communication field, the contactless card:
creates a cryptogram using the key, and
transmits, after entry into a communication field, the cryptogram for decryption, and

wherein the user information comprises:
information relating to an order,
a pre-stored configuration of the order, and
information relating to one or more rewards applicable to the order, wherein the one or more rewards are based on a frequency with which the contactless card enters the communication field and an orientation with which the contactless card enters the communication field.

16. The system of claim 15 , wherein the order comprises at least one selected from the group of a food order and a beverage order.

17. The system of claim 15 , wherein, after the entry of the contactless card into the communication field, the application displays a status of at least one of the one or more rewards.

18. The system of claim 17 , wherein the application displays a time before an expiration of at least one of the one or more rewards.

19. The system of claim 18 , wherein, after a second entry of the contactless card into the communication field, the application updates the time before expiration of the at least one of the one or more rewards.

20. The contactless card of claim 9 , wherein the pre-stored configuration is configurable by a user associated with the contactless card.

Assignees

• Capital One Services Llc

Inventors

• Newman Kaitlin
• Haynes Kimberly
• Crank Charles Nathan
• Cogswell Andrew
• Hart Colin
• Rule Jeffrey
• Mossler Lara
• Gulati Latika
• Benkreira Abdelkader
• Cunningham Sarah Jane
• Bermudez Sophie
• Mossoba Michael
• Lutz Wayne

Classifications

• G06Q30/0277

  Online advertisement · CPC title

• G06Q20/354

  Card activation or deactivation · CPC title

• G06Q30/0237

  at kiosk · CPC title

• G06Q30/0226 Primary

  Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems · CPC title

• G06Q2220/00

  Business processing using cryptography · CPC title