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Systems and methods for cryptographic authentication of contactless cards

  • US 10,581,611 B1
  • Filed: 11/29/2018
  • Issued: 03/03/2020
  • Est. Priority Date: 10/02/2018
  • Status: Active Grant
First Claim
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1. A data transmission system comprising:

  • a transmitting device having a processor and memory, the memory of the transmitting device containing a diversified master key, transmission data and a counter value;

    an authentication server having a processor and memory, the memory of the authentication server containing a master key;

    wherein the transmitting device is configured to;

    generate a diversified key using the diversified master key, one or more cryptographic algorithms, and the counter value, and store the diversified key in the memory of the transmitting device,generate a cryptographic result including the counter value using one or more cryptographic algorithms and the diversified key,encrypt the transmission data using the one or more cryptographic algorithms and the diversified key to yield encrypted transmission data, andtransmit the cryptographic result and encrypted transmission data to the authentication server via one or more intermediary devices; and

    wherein the authentication server is configured to;

    generate an authentication diversified key based on the master key and a unique identifier, and store the authentication diversified key in the memory of the authentication server,generate a session key based on the authentication diversified key and the cryptographic result, anddecrypt the encrypted transmission data and validate the cryptographic result using the one or more cryptographic algorithms and the session key,wherein the counter value is independently updated by the transmitting device and the authentication server for each transmission between the transmitting device and the authentication server.

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