System and apparatus for encrypted data collection using RFID cards

• US 10,282,650 B1
• Filed: 12/03/2018
• Issued: 05/07/2019
• Est. Priority Date: 07/23/2018
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Osborn, Kevin, Zarakas, James, Sangi, Saleem, Rule, Jeffrey
• Primary Examiner(s): Trail, Allyson N
• Application Number:
  US16/207,249
• Time in Patent Office: 155 Days
• Field of Search: 235492, 235451
• CPC Class Codes: G06K 19/071 the source being a field other than an interrogation field, e.g. WLAN, cellular phone network
• CPC Class Codes: G06K 19/0723 the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs
• CPC Class Codes: G06K 19/073 Special arrangements for circuits, e.g. for protecting identification code in memory protection against unauthorised use of computer memory G06F12/14

Abstract

A secure smart card is described. The smart card can include a processor, a memory and a transceiver. The smart card can communicate with various terminals and store a digital signature and other information on the card. Another terminal can validate the information stored on the smart card using the digital signature. In certain embodiments, the terminal can also validate the information by using a blockchain. The advanced design of the smart card obviates the need for a network connection.

Claims

1. A method comprising:

receiving, at a smart card from a first terminal, a first signal including instructions to enable a processor and a memory of the smart card to store a set of data on the memory of the smart card, wherein;

the first signal includes the set of data; and

the set of data includes a count number;

receiving, at the smart card from the first terminal, a second signal including instructions to enable the processor and the memory of the smart card to update the set of data, wherein the updating includes incrementing the count number by one unit; and

transmitting, from the smart card to a second terminal, a third signal, wherein the third signal includes all the sets of data stored on the memory of the smart card.

2. A method comprising:

transmitting, from a terminal to a smart card, a first signal including instructions to enable a processor and a memory of the smart card to store a set of data on the memory of the smart card, wherein;

the first signal includes the set of data; and

the set of data includes a count number;

transmitting, from the terminal to the smart card, a second signal including instructions to enable the processor and the memory of the smart card to update the set of data, wherein the updating includes incrementing the count number by one unit; and

receiving, at the terminal from the smart card, a third signal, wherein the third signal includes all the sets of data stored on the memory of the smart card.

3. The method of claim 2, wherein the set of data includes a digital signature created using a private key and the count number.

4. The method of claim 3, further comprising:

generating a second digital signature using a public key and the count number; and

comparing the digital signature with the second digital signature.

5. The method of claim 4, further comprising:

authorizing a transaction if the digital signature matches the second digital signature; and

transmitting a fourth signal to the smart card to mark the set of data as read.

6. The method of claim 5, wherein the third signal includes only the sets of data stored on the memory of the smart card that were not read before.

7. The method of claim 2, wherein incrementing the count number by one unit is achieved by transmitting a fifth signal to the smart card to:

overwrite the set of data stored on the smart card;

or

create a new record including a new count number.

8. The method of claim 2, further comprising:

transmitting the sets of data to a host computer.

9. The method of claim 2, wherein the terminal is located at a store.

10. The method of claim 9, wherein the count number indicates how many times a user of the smart card has visited the store and the terminal is configured to authorize a transaction and process a discount based on the count number.

11. The method of claim 9, wherein in response to receiving the third signal including all the sets of data stored on the memory of the smart card, the terminal is configured to transmit a sixth signal to the smart card, wherein the sixth signal is configured to cause the smart card to store a reward value on the smart card.

12. The method of claim 11, further comprising:

receiving a seventh signal at the terminal from the smart card, the seventh signal indicating the reward value stored on the smart card; and

authorizing a transaction based on the reward value.

13. The method of claim 12, wherein the terminal is configured to transmit an eighth signal to the smart card, wherein the eighth signal is configured to cause the smart card to store a coupon rate on the smart card.

14. The method of claim 13, further comprising:

receiving a ninth signal at the terminal from the smart card, the ninth signal indicating the coupon rate stored on the smart card; and

authorizing a transaction based on the coupon rate.

15. A method comprising:

receiving, at a host computer from a first terminal, a first set of data including a first count number, wherein;

the first terminal stored the first set of data on a memory of a smart card;

the terminal forwarded the first set of data to the host computer in response to scanning the smart card at the first terminal; and

the first count number indicates how many times the first terminal stored data on the smart card;

storing the first set of data in a blockchain;

receiving, at the host computer from a second terminal, a second set of data including a second count number, wherein the second terminal forwarded the second set of data to the host computer in response to scanning the smart card at the second terminal;

comparing the second set of data with the first set of data stored in the blockchain;

determining authenticity of the second set of data if the second set of data matches the first set of data stored in the blockchain; and

in response to establishing the authenticity of the second set of data, transmitting a first signal to the second terminal indicating that the second set of data is authentic, and in response to failing to establish the authenticity of the second set of data, transmitting a second signal to the second terminal indicating that the second set of data is not authentic.

16. The method of claim 15, further comprising:

determining a coupon rate for a user of the smart card; and

transmitting the coupon rate to the second terminal.

17. The method of claim 16, wherein the coupon rate is determined based on the second count number.

18. The method of claim 16, wherein the coupon rate is transmitted to the second terminal in response to receiving a third signal at the host computer from the second terminal.

19. The method of claim 15, further comprising:

transmitting a fourth signal to the second terminal from the host computer, wherein the signal is configured to cause the second terminal increment a count number stored on the smart card.

20. The method of claim 15, further comprising:

authorizing a transaction at the second terminal in response to establishing the authenticity of the second set of data.