Accessing and utilizing multiple loyalty point accounts

• US 10,909,544 B1
• Filed: 12/26/2019
• Issued: 02/02/2021
• Est. Priority Date: 12/26/2019
• 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, Chigurupati, Srinivasa, Rule, Jeffrey
• Primary Examiner(s): Qayyum, Zeshan
• Assistant Examiner(s): Kuo, Chenyuh
• Application Number:
  US16/727,294
• Time in Patent Office: 404 Days
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/40975 using encryption therefor
• CPC Class Codes: G06Q 30/0215 Including financial accounts
• CPC Class Codes: G06Q 30/0233 Method of redeeming a frequent usage reward

Abstract

Various embodiments are generally directed to utilizing an offline and/or online verification or authentication protocol to access, redeem, or otherwise utilize multiple loyalty points and loyalty accounts A method for utilizing various loyalty points includes: determining that a user is requesting access to a loyalty points account database, receiving encrypted data generated based a cryptographic algorithm and a diversified key, receiving, a verification of the user, the verification including verifying a data combination that includes the encrypted data, where a server associated with the issuer may decrypt the data combination based on the cryptographic algorithm and the diversified key, responsive to receiving the verification of the user, accessing the database associated with a loyalty points account of the user, and authorizing a redemption of a plurality of loyalty points associated with the loyalty points account.

Claims

1. A method comprising:

receiving, by an application executing on a processor circuit, a request to access a loyalty points account database;

receiving, by the application, encrypted data from a contactless card associated with an account;

transmitting, by the application to a server, the encrypted data received from the contactless card;

receiving, by the application and from the server, a decryption result;

determining, by the application based on the decryption result, that the server decrypted the encrypted data;

displaying, by the application based on the determination that the server decrypted the encrypted data, a plurality of points of a loyalty points account in the loyalty points account database;

receiving, by the application, a redemption request comprising one or more of the plurality of loyalty points; and

authorizing, by the application based on the determination that the server decrypted the encrypted data, the redemption request.

2. The method of claim 1, the method further comprising:

transmitting, by the application, a first application user credential to the server; and

comparing, by the server, the first application user credential with a second application user credential.

3. The method of claim 2, the method further comprising:

determining, by the server based on the comparison, that the first application user credential matches the second application user credential; and

combining, by the server, a loyalty identifier with the encrypted data.

4. The method of claim 3, wherein combining the loyalty identifier with the encrypted data comprises:

performing, by the server, an exclusive-or operation on the encrypted data and the loyalty identifier.

5. The method of claim 4, further comprising storing the loyalty identifier by the server.

6. The method of claim 3, the method further comprising:

generating a token by the server based on the combination of the encrypted data and the loyalty identifier.

7. The method of claim 6, further comprising:

receiving, by the application, the token from the server; and

generating, by the application, a barcode based on the token.

8. The method of claim 7, the method further comprising:

displaying, by the application, the barcode; and

scanning, by a scanning device, the barcode.

9. The method of claim 8, further comprising:

decrypting the token by the scanning device.

10. A system, comprising:

a processor; and

a memory storing an application and instructions which when executed by the processor cause the processor to perform the steps of;

receiving, via the application, a request to access a loyalty points account database;

receiving, via the application, encrypted data from a contactless card associated with an account;

transmitting, via the application to a server, the encrypted data received from the contactless card;

receiving, via the application and from the server, a decryption result;

determining, via the application based on the decryption result, that the server decrypted the encrypted data;

displaying, via the application based on the determination that the server decrypted the encrypted data, a plurality of points of a loyalty points account in the loyalty points account database;

receiving, by the application, a redemption request comprising one or more of the plurality of loyalty points; and

authorizing, via the application based on the determination that the server decrypted the encrypted data, the redemption request.

11. The system of claim 10, the memory storing instructions which when executed by the processor cause the processor to perform the steps of:

transmitting, via the application, a first application user credential to the server; and

receiving, via the application from the server, a token, wherein the token comprises the encrypted data and a loyalty identifier associated with the user.

12. The system of claim 11, the memory storing instructions which when executed by the processor cause the processor to perform the step of:

generating, via the application, a barcode based on the token.

13. The system of claim 12, the memory storing instructions which when executed by the processor cause the processor to perform the steps of:

displaying, via the application, the barcode on a display.

14. A non-transitory computer-readable storage medium comprising computer-readable program code that when executed by a processor cause the processor to perform the steps of:

executing an application;

receiving, via the application, a request to access a loyalty points account database;

receiving, via the application, encrypted data from a contactless card associated with an account;

transmitting, via the application to a server, the encrypted data received from the contactless card;

receiving, via the application and from the server, a decryption result;

determining, via the application based on the decryption result, that the server decrypted the encrypted data;

displaying, via the application based on the determination that the server decrypted the encrypted data, a plurality of points of a loyalty points account in the loyalty points account database;

receiving, by the application, a redemption request comprising one or more of the plurality of loyalty points; and

authorizing, via the application based on the determination that the server decrypted the encrypted data, the redemption request.

15. The computer-readable storage medium of claim 14, comprising computer-readable program code that when executed by the processor cause the processor to perform the steps of:

transmitting, via the application, a first application user credential to the server; and

receiving, via the application from the server, a token, wherein the token comprises the encrypted data and a loyalty identifier associated with the user.

16. The computer-readable storage medium of claim 15, comprising computer-readable program code that when executed by the processor cause the processor to perform the step of:

generating, via the application, a barcode based on the token.

17. The computer-readable storage medium of claim 16, comprising computer-readable program code that when executed by the processor perform the steps of:

displaying, via the application, the barcode on a display.