Systems and methods for cryptographic authentication of contactless cards

• US 10,860,814 B2
• Filed: 10/02/2019
• Issued: 12/08/2020
• Est. Priority Date: 10/02/2018
• Status: Active Grant

• Current Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Original Assignee: Capital One Services LLC (Capital One Financial Corporation)
• Inventors: Rule, Jeffrey, Herrington, Daniel, Hart, Colin, Osborn, Kevin, Heng, Melissa, Ilincic, Rajko, Ji, Jason
• Primary Examiner(s): Gudorf, Laura A
• Application Number:
  US16/591,010
• Publication Number:
  US 20200302128A1
• Time in Patent Office: 433 Days
• CPC Class Codes: G06K 5/04 Verifying the alignment of markings
• CPC Class Codes: G06K 7/015 Aligning or centering of the sensing device with respect to the record carrier
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/401 Transaction verification
• CPC Class Codes: G06Q 20/409 Device specific authentication in transaction processing
• CPC Class Codes: H04B 5/24 Inductive coupling
• CPC Class Codes: H04B 5/43 Antennas
• CPC Class Codes: H04B 5/77 for interrogation
• CPC Class Codes: H04W 4/80 Services using short range communication, e.g. near-field communication [NFC], radio-frequency identification [RFID] or low energy communication

Abstract

Example embodiments of systems and methods for data transmission between a contactless card and a receiving application are provided. The transmitting device may include a processor, memory, and communication interface. A receiving application may include instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field for data communication with the transmitting device, and one or more sensors. Upon movement of the transmitting device, the receiving application is configured to receive, via one or more sensors, feedback information associated with the transmitting device, display one or more instructions regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field. Upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.

Claims

1. A data transmission system comprising:

a transmitting device having a processor, a memory, and a communication interface; and

a receiving application comprising instructions for execution on a receiving device having a processor, a memory, a communication interface configured to create a communication field, and one or more sensors,

wherein, upon a movement of the transmitting device, the receiving application is configured to;

receive, via one or more sensors, feedback information associated with the transmitting device, and

display one or more instructions regarding a position of the transmitting device relative to the receiving device until the transmitting device enters the communication field; and

wherein, upon entry into the communication field, the transmitting device is configured to transmit data to the receiving device.

2. The data transmission system of claim 1, wherein the feedback information comprises location information of the transmitting device.

3. The data transmission system of claim 1, wherein the receiving application is configured to guide at least one of a position or an orientation of the transmitting device with respect to one or more surfaces of the receiving device.

4. The data transmission system of claim 3, wherein the receiving application of the receiving device is configured to continuously detect at least one of the position or the orientation of the transmitting device with respect to the one or more surface of the receiving device.

5. The data transmission system of claim 1, wherein the one or more instructions comprise textual guidance.

6. The data transmission system of claim 1, wherein the one or more instructions comprise audible guidance.

7. The data transmission system of claim 1, wherein the one or more instructions comprise haptic guidance.

8. The data transmission system of claim 1, wherein the receiving application is configured to display one or more types of signal strength between the transmitting device and the receiving device for placement of the transmitting device with respect to one or more surfaces of the receiving device.

9. The data transmission system of claim 1, wherein the receiving application is configured to display a targeting box for positioning of the transmitting device.

10. The data transmission system of claim 9, wherein the one or more instructions are continuously updated based on the position of the transmitting device relative to the targeting box.

11. A method of guiding a transmitting device to an ideal alignment with a receiving device, the method comprising the steps of:

providing a transmitting device having a processor, a memory, and a communication interface;

providing a receiving application comprising instructions for execution on a receiving device;

generating, by the receiving application, a communication field for data communication with the transmitting device;

receiving, by the receiving application, feedback information associated with the transmitting device, wherein the feedback information is related to a position of the transmitting device relative to the receiving device;

displaying, by the receiving application, one or more guidance instructions on the receiving device regarding the position of the transmitting device relative to the receiving device until the transmitting device enters the communication field; and

transmitting data, by the transmitting device, to the receiving application.

12. The method of claim 11, wherein the feedback information comprises data related to movement of the transmitting device.

13. The method of claim 11, wherein the receiving application is configured to guide at least one of a position or an orientation of the transmitting device with respect to one or more surfaces of the receiving device.

14. The method of claim 13, wherein the receiving application is configured to continuously detect at least one of the position or the orientation of the transmitting device with respect to the one or more surface of the receiving device.

15. The method of claim 11, wherein the one or more guidance instructions comprise the display of an animation tracking the position of the transmitting device relative to the receiving device.

16. The method of claim 11, wherein the receiving application displays a soft button upon entry of the transmitting device into the communication field.

17. The method of claim 11, wherein the receiving application is configured to display one or more types of signal strength between the transmitting device and the receiving device for placement of the transmitting device with respect to one or more surfaces of the receiving device.

18. The method of claim 11, further including:

displaying, by the receiving application, a targeting box for positioning the transmitting device, and

continuously updating the one or more instructions based on the position of the transmitting device relative to the targeting box.

19. The method of claim 11, wherein the receiving application is configured to utilize one or more haptic parameters for placement of the transmitting device with respect to one or more surfaces of the receiving device.

20. A receiving application comprising instructions for execution on a communications device, wherein upon execution of the instructions, the receiving application is configured to:

generate a Near Field Communication (NFC) field;

utilize one or more sensors to detect a position of a contactless card;

upon detection of a position of the contactless card, continuously track the position of the contactless card relative to the communications device using the one or more sensors and retrieve position information regarding the position of the contactless card relative to the communications device;

display one or more guidance instructions based on the position information and continuously update the one or more guidance instructions until the contactless card enters the NFC field;

upon entry of the contactless card into the NFC field, establish NFC communication with the contactless card and monitor the signal strength of the NFC communication; and

upon detection that the signal strength is below a threshold level, resume continuously tracking the position of the contactless card relative to the communications device, retrieving position information, and displaying one or more instructions based on the position information until the receiving application detects a signal strength that exceeds the threshold level.