Systems and methods for cryptographic authentication of contactless cards
First Claim
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1. A one-time password system comprising:
- a contactless card including one or more processors, and a memory, wherein the memory contains at least one applet, at least one key, and a counter;
a client device application comprising instructions for execution on a client device, wherein;
the contactless card is configured to create a cryptogram based on the at least one key and the counter,the contactless card is configured to transmit the cryptogram to the client device application,the contactless card is configured to transmit a one-time password to the client device application,the counter is adjusted each time the password is generated, andthe counter is configured to increment in a non-monotonic sequence, wherein the increment associated with one or more cryptographic algorithms.
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Abstract
Example embodiments of systems and methods for data transmission between contactless card and receiving devices are provided. In an embodiment, the contactless card may be configured to create a cryptogram based on a plurality of keys and a counter. The cryptogram may be transmitted to the receiving device. The contactless card may be configured to transmit a one-time password to the client device. The counter value may be adjusted each time the one-time password is generated, and the counter may be configured to increment in a non-monotonic sequence, the sequence associated with one or more cryptographic algorithms.
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Citations
20 Claims
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1. A one-time password system comprising:
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a contactless card including one or more processors, and a memory, wherein the memory contains at least one applet, at least one key, and a counter; a client device application comprising instructions for execution on a client device, wherein; the contactless card is configured to create a cryptogram based on the at least one key and the counter, the contactless card is configured to transmit the cryptogram to the client device application, the contactless card is configured to transmit a one-time password to the client device application, the counter is adjusted each time the password is generated, and the counter is configured to increment in a non-monotonic sequence, wherein the increment associated with one or more cryptographic algorithms. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A method for securing counter-based one-time passwords with a contactless card, comprising:
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providing a contactless card, the contactless card including one or more processors, and a memory including one or more applets, at least one key, and a counter; creating, by the one or more processors, a cryptogram based on the at least one key and the counter; transmitting, by the contactless card, the cryptogram; transmitting, by the contactless card, one or more one-time passwords; wherein the counter is adjusted each time the password is generated, and wherein the counter is configured to increment in a non-monotonic sequence, the increment associated with one or more cryptographic algorithms. - View Dependent Claims (12, 13, 14, 15, 16, 17, 18, 19)
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20. A contactless card comprising:
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one or more processors, a counter, and a memory, wherein the memory contains at least one applet, wherein the contactless card is configured to; generate a one-time password, transmit the one-time password, and adjust the counter with the generation of each one-time password, wherein the counter is configured to increment or decrement in a non-monotonic sequence, wherein a value of the increment or decrement is selected so as to avoid the counter prematurely wrapping, and wherein the counter is associated with one or more cryptographic algorithms.
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Specification