WO-2026096428-A1 - DIGITAL SERVICE AUTHENTICATION USING A CONTACTLESS CARD

Abstract

A method, a system, a device, and a computer program product for executing authentication. A user login information associated with using at least one digital service in a plurality of digital services is authenticated. Authentication includes verifying the user login information with at least one digital service, and storing the verified user login information. A cryptogram including the verified user login information is generated. The generated cryptogram including the verified user login information is provided to a contactless card communicatively coupled to at least one processor, causing the generated cryptogram to be stored in a memory location of the contactless card. The generated cryptogram is configured to automatically authenticate the user login information for accessing at least one digital service using the contactless card.

Inventors

• PRASAD, JAIKISHAN
• OSBORN, KEVIN

Assignees

• CAPITAL ONE SERVICES, LLC

Dates

Publication Date

20260507

Application Date

20251028

Priority Date

20241029

Claims (20)

1. CLAIMS
2. What is claimed:
3. 1. A computer-implemented method, comprising:
4. authenticating, using at least one processor, a user login information associated with using at least one digital service in a plurality of digital services, the authenticating including verifying the user login information with the at least one digital service, and storing the verified user login information;
5. generating, using the at least one processor, a cryptogram including the verified user login information; and
6. providing, using the at least one processor, the generated cryptogram including the verified user login information to a contactless card communicatively coupled to the at least one processor, and causing the generated cryptogram to be stored in a memory location of the contactless card;
7. wherein the generated cryptogram is configured to automatically authenticate the user login information for accessing the at least one digital service using the contactless card.
8. 2. The method according to claim 1, wherein the generated cryptogram is configured to include a plurality of user login information, each user login information in the plurality of user login information being associated with a respective digital service in the plurality of digital services.
9. 3. The method according to claim 1, further comprising
10. generating an updated cryptogram, the updated cryptogram including at least one of the following: a verified updated user login information associated with the at least one digital service, another verified user login information associated with at least another digital service in the plurality of digital services, and any combination thereof; and
11. providing the updated cryptogram to the contactless card and causing the updated cryptogram to be stored in the memory location of the contactless card.
12. 4. The method according to claim 1, wherein the verifying includes verifying the user login information using at least one of: a multi-factor authentication, a biometric information of the user associated with the login information, and any combination thereof.
13. 5. The method according to claim 1, further comprising selecting, using the at least one processor, the at least one digital service for accessing; generating, using the at least one processor, a user interface associated with the selected at least one digital service;
14. receiving, using the at least one processor, via the generated user interface, the user login information associated with the at least one digital service;
15. transmitting, using the at least one processor, the received user login information to the at least one digital service; and
16. executing the authenticating of the user login information.
17. 6. The method according to claim 1, further comprising
18. receiving, using the at least one processor, the stored verified user login information from the contactless card; and
19. automatically accessing, using the at least one processor, the at least one digital service using the stored verified user login information.
20. 7. The method according to claim 6, wherein the automatically accessing includes generating a digital service user interface associated with the at least one digital service while bypassing the authenticating, wherein the digital service user interface is configured to enable access to one or more secure digital services associated with the at least one digital service.

Description

DIGITAL SERVICE AUTHENTICATION USING A CONTACTLESS CARD CROSS-REFERENCE TO RELATED APPLICATIONS [0001] This application claims priority of U. S. Patent Application Serial No. 18/929,816, filed October 29, 2024, the disclosure of which is incorporated herein by reference in its entirety. TECHNICAL FIELD [0002] This disclosure relates generally to data processing and, in particular, to using contactless cards for authentication purposes in connection with digital services. BACKGROUND [0003] Contactless card products have become so universally well-known and ubiquitous that they have fundamentally changed the manner in which financial transactions and dealings are viewed and conducted in society today. Contactless card products are most commonly represented by plastic or metal card-like members that are offered and provided to customers through credit card issuers (such as banks and other financial institutions). With a card, an authorized customer or cardholder is capable of purchasing services and/or merchandise without an immediate, direct exchange of cash. Data security and transaction integrity are of critical importance to businesses facilitating these transactions and to the customers. This need continues to grow as electronic transactions performed with contactless cards constitute an increasingly large share of commercial activity. Accordingly, there is a need to provide businesses and users with an appropriate solution that overcomes current deficiencies to provide data security, authentication, and verification for contactless card. [0004] Further, contactless card tapping transactions have become some of the most popular ways of paying for goods and services. This technology is based on radio-frequency identification (RFID) components embedded into credit cards, smartphones, etc. to allow users to make various transactions (e.g., purchases, fund withdrawals, etc.) by bringing their cards and/or smartphones within a specific distance of (or tapping on) specific areas of terminals, which enables transfer of certain data for the purposes of a transaction. However, existing card tapping technology does not allow for automatic authentication of card users for the purposes of accessing different digital services (e.g., shopping, banking, etc.). SUMMARY [0005] In some implementations, the current subject matter relates to a computer implemented method. The method may include authenticating, using at least one processor, a user login information associated with using at least one digital service in a plurality of digital services, the authenticating including verifying the user login information with at least one digital service, and storing the verified user login information. The method may also include generating a cryptogram including the verified user login information, and providing the generated cryptogram including the verified user login information to a contactless card communicatively coupled to at least one processor, and causing the generated cryptogram to be stored in a memory location of the contactless card. The generated cryptogram is configured to automatically authenticate the user login information for accessing the at least one digital service using the contactless card. [0006] In some implementations, the current subject matter may include one or more of the following optional features. The generated cryptogram may be configured to include a plurality of user login information. Each user login information in the plurality of user login information may be associated with a respective digital service in the plurality of digital services. [0007] In some implementations, the method may also include generating an updated cryptogram, the updated cryptogram including at least one of the following: a verified updated user login information associated with the at least one digital service, another verified user login information associated with at least another digital service in the plurality of digital services, and any combination thereof, and providing the updated cryptogram to the contactless card and causing the updated cryptogram to be stored in the memory location of the contactless card. [0008] In some implementations, verifying may include verifying the user login information using at least one of: a multi-factor authentication, a biometric information of the user associated with the login information, and any combination thereof. [0009] In some implementations, the method may also include selecting at least one digital service for accessing, generating a user interface associated with the selected at least one digital service, receiving, via the generated user interface, the user login information associated with at least one digital service, transmitting the received user login information to the at least one digital service, and executing the authenticating of the user login information. [0010] In some implementations, the method may further include receiving the stored verifi