Techniques to perform applet programming

Patent metadata

Field	Value
Publication number	US-12596545-B2
Application number	US-202418677114-A
Country	US
Kind code	B2
Filing date	May 29, 2024
Priority date	Jul 3, 2019
Publication date	Apr 7, 2026
Grant date	Apr 7, 2026

Abstract

Various embodiments are generally directed to techniques provide applets to transaction card. In embodiments, a transaction card may receive an applet signed with a verification signature. The transaction card may determine whether the verification signature matches one of the verification values stored on the memory, enable the applet including the instructions for execution by the processing circuitry in response to the determination the verification signature matches one of the verification values, and prevent enablement of the applet including the instructions for execution in response to the determination the verification signature does not match any of the verification values.

First claim

What is claimed is:

1 . A computer-implemented method, comprising:
storing, by a processor of a computer system, a plurality of verification values to a memory of a contactless card; installing, by the processor of the computer system, a first applet to the memory of the contactless card, wherein the first applet is configured to perform payments with payment information, and wherein the first applet is stored with a unique customer identifier in the memory; installing, by the processor, a second applet to the memory of the contactless card, wherein the second applet is configured to perform authentication operations to authenticate a customer and, wherein the second applet is stored with the unique customer identifier in the memory; enabling, by the processor, the first applet based on verification of the first applet, the verification of the first applet comprising: identifying a verification signature associated with the first applet; selecting a verification value of the plurality of verification values; comparing the selected verification value with the verification signature associated with the first applet; and verifying the first applet if the verification signature associated with the first applet matches the selected verification value; and enabling, by the processor, the second applet based on verification of the second applet, the verification of the second applet comprising: identifying a verification signature associated with the second applet; selecting a verification value of the plurality of verification values; comparing the selected verification value with the verification signature associated with the second applet; and verifying the second applet if the verification signature associated with the second applet matches the selected verification value.

2 . The computer-implemented method of claim 1 , comprising verifying the customer is associated with the contactless card, wherein verifying the customer is associated with the contactless card, comprises verifying an identification number associated with the customer.

3 . The computer-implemented method of claim 1 , comprising verifying the customer is associated with the contactless card, wherein verifying the customer is associated with the contactless card, comprises sending a request to a server of a financial institution system, the request comprising an identification number of the customer.

4 . The computer-implemented method of claim 1 , comprising:
sending, by the processor of the computer system, a request to a server of a financial institutional system to verify the customer is associated with a contactless card.

5 . The computer-implemented method of claim 1 , wherein the second applet is configured to send encrypted data to another device to perform the authentication operations.

6 . The computer-implemented method of claim 1 , wherein installing the first applet and the second applet comprises writing the first applet and the second applet to secure locations of the memory via a physical connection with contact pads of the contactless card.

7 . The computer-implemented method of claim 1 , wherein installing the first applet and the second applet comprises writing the first applet and the second applet to secure locations of the memory via a wireless connection with an antenna of the contactless card.

8 . The computer-implemented method of claim 1 , comprising:
receiving the first applet and the second applet from a server hosted by a financial institutional system.

9 . The computer-implemented method of claim 8 , wherein the first applet and the second applet are encrypted, and the method comprises decrypting the first applet and the second applet prior to installing the first applet and the second applet on the contactless card.

10 . The computer-implemented method of claim 8 , wherein the first applet and the second applet are received encrypted, and the method comprises installing the first applet and the second applet encrypted on to the contactless card.

11 . A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a computer, cause the computer to:
store a plurality of verification values to a memory of a contactless card; install a first applet to the memory of the contactless card, wherein the first applet is configured to perform payments with payment information, and wherein the first applet is stored with a unique customer identifier in the memory; install a second applet to the memory of the contactless card, wherein the second applet is configured to perform authentication operations to authenticate a customer and, wherein the second applet is stored with the unique customer identifier in the memory; enable the first applet based on verification of the first applet, the verification of the first applet comprising: identifying a verification signature associated with the first applet; selecting a verification value of the plurality of verification values; comparing the selected verification value with the verification signature associated with the first applet; and verifying the first applet if the verification signature associated with the first applet matches the selected verification value; and enable the second applet based on verification of the second applet, the verification of the second applet comprising: identifying a verification signature associated with the second applet; selecting a verification value of the plurality of verification values; comparing the selected verification value with the verification signature associated with the second applet; and verifying the second applet if the verification signature associated with the second applet matches the selected verification value.

12 . The computer-readable storage medium of claim 11 , wherein the computer-readable storage medium including the instructions that when executed by the computer, cause the computer to:
automatically detect the contactless card; automatically determine, based on the detection, a status of the first applet, the second applet, or both; and automatically determine, based on the status, to install the first applet, the second applet, or both onto the contactless card.

13 . The computer-readable storage medium of claim 11 , wherein the computer-readable storage medium including the instructions that when executed by the computer, cause the computer to receive the first applet and the second applet from a database of a financial institutional system.

14 . The computer-readable storage medium of claim 11 , wherein the computer-readable storage medium including the instructions that when executed by the computer, cause the computer to verify the customer is associated with the contactless card, wherein verify the customer is associated with the contactless card, comprises verifying an identification number associated with the customer.

15 . The computer-readable storage medium of claim 11 , wherein the computer-readable storage medium including the instructions that when executed by the computer, cause the computer to verify the customer is associated with the contactless card, wherein verifying the customer is associated with the contactless card, comprises sending a request to a server associated with a financial institution system, the request comprising an identification number of the customer.

16 . The computer-readable storage medium of claim 11 , wherein the computer-readable storage medium, including the instructions that, when executed by the computer, cause the compu

Assignees

• Capital One Services Llc

Inventors

• Ilincic Rajko
• Rule Jeffrey

Classifications

• G06F8/71

  Version control (security arrangements therefor G06F21/57); Configuration management · CPC title

• H04L63/0428

  wherein the data content is protected, e.g. by encrypting or encapsulating the payload · CPC title

• G06K19/07

  with integrated circuit chips · CPC title

• H04L9/3247

  involving digital signatures · CPC title

• G06F8/65 Primary

  Updates (security arrangements therefor G06F21/57) · CPC title