US2021042107A1PendingUtilityA1

Techniques to perform applet programming

Assignee: CAPITAL ONE SERVICES LLCPriority: Jul 3, 2019Filed: Oct 26, 2020Published: Feb 11, 2021
Est. expiryJul 3, 2039(~12.9 yrs left)· nominal 20-yr term from priority
H04L 63/0428H04L 9/3247G07F 19/206G06Q 20/3825G06Q 20/3563G06Q 20/3552G06Q 20/108G06K 19/07G06F 8/71G06F 8/65G06Q 20/356
65
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Claims

Abstract

Various embodiments are generally directed to techniques provide applets to transaction card. In embodiments, a transaction card may receive an applet signed with a verification signature. The transaction card may determine whether the verification signature matches one of the verification values stored on the memory, enable the applet including the instructions for execution by the processing circuitry in response to the determination the verification signature matches one of the verification values, and prevent enablement of the applet including the instructions for execution in response to the determination the verification signature does not match any of the verification values.

Claims

exact text as granted — not AI-modified
What is claimed is: 
     
         1 . A transaction card, comprising:
 a memory to store instructions, verification values, and applets, wherein at least a portion of the verification values correspond to other applets not stored in the memory; and   processing circuitry, coupled with the memory, operable to execute the instructions, that when executed, cause the processing circuitry to:
 perform a verification process to verify a new or updated applet, the verification process to compare a verification value associated with the new or updated applet with the verification values; 
 enable the new or updated applet to execute on the processing circuitry in response to the verification value matching one of the verification values stored in the memory; and 
 prevent enablement of the new or updated applet in response to the verification value not matching any of the verification values. 
   
     
     
         2 . The transaction card of  claim 1 , wherein the new or updated applet is signed with the verification value. 
     
     
         3 . The transaction card of  claim 1 , wherein the verification values are stored in the memory during original equipment manufacture programming process. 
     
     
         4 . The transaction card of  claim 1 , the processing circuitry configured to receive at least one additional verification value from a computing device, and store the at least one additional verification value in the memory. 
     
     
         5 . The transaction card of  claim 1 , comprising:
 one or more contact pads coupled with the memory and the processing circuitry, the one or more contact pads configured to couple with one or more corresponding contact pads of a computing device; and   the processing circuitry configured to receive the new or updated applet from the computing device via the one or more contact pads when coupled with the one or more corresponding contact pads.   
     
     
         6 . The transaction card of  claim 5 , wherein the one or more contact pads are configured to electrically couple with the one or more corresponding contact pads of an EMV writer of the computing device, and the processing circuitry to receive the new or updated applet from the computing device via the EMV writer as one or more signals from the computing device in accordance with an EMV protocol and cause storage of the new or updated applet in at least a portion of memory. 
     
     
         7 . The transaction card of the  claim 1 , the processing circuitry configured to:
 determine the new or updated applet is encrypted; and   perform a decryption operation to decrypt the new or updated applet utilizing a key.   
     
     
         8 . The transaction card of  claim 1 , comprising:
 an antenna configured to communicate near-field communications;   a near-field communication (NFC) interface coupled with the antenna and the processing circuitry; and   the processing circuitry configured to receive the new or updated applet from another device via the antenna and the NFC interface and in accordance with an NFC protocol.   
     
     
         9 . The transaction card of  claim 1 , wherein the new or updated applet is an updated applet for one of the one of the applets stored on the memory, and the processing circuitry configured to delete a corresponding older version of the new or updated applet from the memory in response to verifying the new or updated applet. 
     
     
         10 . The transaction card of  claim 1 , wherein the new or updated applet is a new applet to store on the memory, and the processing circuitry configured cause storage of the new applet in the memory in response to verifying the new or updated applet. 
     
     
         11 . A computer-implemented method, comprising:
 a memory to store instructions, verification values, and applets, wherein at least a portion of the verification values correspond to other applets not stored in the memory; and   processing circuitry, coupled with the memory, operable to execute the instructions, that when executed, cause the processing circuitry to:   performing a verification process to verify a new or updated applet, the verification process to compare a verification value associated with the new or updated applet with verification values stored in memory of a transaction card;   enabling the new or updated applet to execute on processing circuitry of the transaction card in response to the verification value matching one of the verification values stored in the memory; and   prevent enablement of the new or updated applet in response to the verification value not matching any of the verification values.   
     
     
         12 . The computer-implemented method of  claim 11 , wherein the new or updated applet is signed with the verification value. 
     
     
         13 . The computer-implemented method of  claim 11 , wherein the verification values are stored in the memory during original equipment manufacture programming process. 
     
     
         14 . The computer-implemented method of  claim 11 , comprising receiving at least one additional verification value from a computing device, and storing the at least one additional verification value in the memory. 
     
     
         15 . The computer-implemented method of  claim 11 , comprising receiving the new or updated applet from a computing device via one or more contact pads of the transaction card coupled with one or more corresponding contact pads of the computing device. 
     
     
         16 . The computer-implemented method of  claim 15 , wherein the one or more contact pads are configured to electrically couple with the one or more corresponding contact pads of an EMV writer of the computing device, and the method comprising receiving the new or updated applet from the computing device via the EMV writer as one or more signals from the computing device in accordance with an EMV protocol and cause storage of the new or updated applet in at least a portion of memory. 
     
     
         17 . The computer-implemented method of  claim 11 , comprising:
 determining the new or updated applet is encrypted; and   performing a decryption operation to decrypt the new or updated applet utilizing a key.   
     
     
         18 . The computer-implemented method of  claim 11 , comprising receiving the new or updated from another via an antenna and an near-field communication (NFC) interface of the transaction card. 
     
     
         19 . The computer-implemented method of  claim 11 , wherein the new or updated applet is an updated applet for one of the one of the applets stored on the memory, and the method comprising deleting a corresponding older version of the new or updated applet from the memory in response to verifying the new or updated applet. 
     
     
         20 . The computer-implemented method of  claim 11 , wherein the new or updated applet is a new applet, and the method comprising storing of the new applet in the memory in response to verifying the new or updated applet.

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