Devices and methods for selective contactless communication

Patent metadata

Field	Value
Publication number	US-12567057-B2
Application number	US-202519084274-A
Country	US
Kind code	B2
Filing date	Mar 19, 2025
Priority date	Dec 18, 2018
Publication date	Mar 3, 2026
Grant date	Mar 3, 2026

Abstract

A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.

First claim

We claim:

1 . A transaction instrument comprising:
a passive proximity circuit communication interface; one or more processors; and non-transitory memory in communication with the one or more processors and storing instructions that, when executed, are configured to cause the transaction instrument to perform the steps of:
storing preloaded data prior to issuance of the transaction instrument, the preloaded data being associated with a cardholder profile prior to issuance of the transaction instrument and comprising or being usable by the transaction instrument to generate at least one key;
receiving, via the communication interface, first data of a first data type, the first data type corresponding to a payment communication;
generating, via a first application configured to process data of the first data type, a first response to the first data;
transmitting, via the communication interface, the first response;
receiving, via the communication interface, second data of a second data type, the second data type corresponding to an authentication communication;
generating, via a second application configured to process data of the second data type and using the at least one key, a second response to the second data; and
transmitting, via the communication interface, the second response.

2 . The transaction instrument of claim 1 , wherein:
the transaction instrument is a contactless payment card, the communication interface comprises a near field communication (NFC) interface, the authentication communication is a non-payment communication, the second response is transmitted to a mobile device to authenticate an identity of a user, the first response comprises Europay-Mastercard-Visa (EMV) payment data, and the first response is transmitted to one or more point-of sale devices.

3 . The transaction instrument of claim 2 , wherein:
authenticating the identity of the user is used to access a mobile application on the mobile device, access restricted options in the mobile application on the mobile device, as a factor in a multi-factor authentication request, or combinations thereof.

4 . The transaction instrument of claim 2 , wherein:
the first application is unable to access the second data or the second response to the second data, and the second application is unable to access the first data or the first response to the first data.

5 . The transaction instrument of claim 4 , wherein:
the at least one key comprises a key pair, the instructions are further configured to cause the transaction instrument to transmit, via the communication interface, a public key of the key pair, and the second data comprises instructions to generate a digital signature, the instructions comprising an identifier corresponding to the public key.

6 . The transaction instrument of claim 5 , wherein:
generating the second response comprises generating the digital signature using a private key of the key pair, and the second response comprises the digital signature.

7 . The transaction instrument of claim 6 , wherein:
storing the preloaded data prior to issuance of the transaction instrument comprises storing the preloaded data during personalization or pre-personalization of the transaction instrument, and the preloaded data comprises the private key.

8 . The transaction instrument of claim 6 , wherein the instructions are further configured to cause the transaction instrument to generate the private key from the preloaded data.

9 . A method comprising:
storing a first application on a transaction instrument prior to issuance of the transaction instrument to a rightful cardholder, the first application being configured to process data of a first data type; storing a second application on the transaction instrument prior to issuance of the transaction instrument to the rightful cardholder, the second application being configured to process data of a second data type different from the first data type; storing preloaded data in or in association with the second application on the transaction instrument prior to issuance of the transaction instrument to the rightful cardholder, the preloaded data comprising or being associated with one or more keys; associating the preloaded data with an account of the rightful cardholder prior to issuance of the transaction instrument to the rightful cardholder; receiving, via a passive proximity circuit communication interface of the transaction instrument, first data of the first data type corresponding to an Europay-Mastercard-Visa (EMV) transaction; generating, via the first application of the transaction instrument, a first response to the first data; transmitting, via the communication interface, the first response; receiving, via the communication interface, second data of the second data type; generating, via the second application of the transaction instrument, a second response to the second data using the one or more keys; and transmitting, via the communication interface, the second response.

10 . The method of claim 9 , wherein:
the transaction instrument is a contactless payment card displaying identification information associated with the rightful cardholder, the first response comprises EMV payment data, the second response is transmitted to a mobile device associated with the rightful cardholder to authenticate an identity of the rightful cardholder.

11 . The method of claim 10 , wherein:
the one or more keys comprises a key pair, the second data comprises instructions to generate a digital signature, the instructions corresponding to a public key of the key pair, generating the second response comprises generating the digital signature using a private key of the key pair, and the second response comprises the digital signature.

12 . The method of claim 11 , further comprising:
generating the key pair using the preloaded data; and transmitting, via the communication interface, the public key of the key pair to the mobile device.

13 . The method of claim 12 , wherein:
the second response comprises authentication data to activate the transaction instrument for use with EMV transactions, and the first response is generated in connection with an EMV transaction at a point-of-sale device.

14 . The method of claim 11 , further comprising storing preloaded payment data in or in association with the first application on the transaction instrument prior to issuance of the transaction instrument to the rightful cardholder, wherein:
the preloaded payment data comprising or being associated with one or more payment keys for EMV transactions, the first application cannot access the preloaded data or the one or more keys, and the second application cannot access the payment preloaded data or the one or more payment keys.

15 . The method of claim 11 , wherein authenticating the identity of the cardholder is used to access a mobile application on the mobile device, access restricted options in the mobile application on the mobile device, as a factor in a multi-factor authentication request, or combinations thereof.

16 . A transaction instrument comprising:
a passive proximity circuit communication interface; one or more processors; and non-transitory memory in communication with the one or more processors and storing instructions that, when executed, configured to cause the transaction instrument to:
store, via a first portion of the instructions in the non-transitory memory configured to process payment communications, a first application before issuance of the transaction

Assignees

• Capital One Services Llc

Inventors

• Rule Jeffrey
• Newman Kaitlin J
• Lutz Wayne David
• Osborn Kevin Grant
• Moreton Paul

Classifications

• G06Q2220/123

  involving third party for collecting or distributing payments, e.g. clearinghouse · CPC title

• G06Q20/353

  Payments by cards read by M-devices · CPC title

• G06Q20/3226

  Use of secure elements separate from M-devices · CPC title

• G06Q20/3829

  involving key management · CPC title

• G06Q20/24

  Credit schemes, i.e. "pay after" · CPC title