Capital One Cryptographic Authentication of Contactless Cards Patent

The EPO published patent EP3861513A1 for Capital One covering systems and methods for cryptographic authentication of contactless cards. The patent includes claims related to encryption key management (H04L 9/06, H04L 9/08), secure authentication protocols (H04L 9/32), and network security measures (H04L 9/40), as well as financial transaction systems (G06Q 20/10, G06Q 20/12, G06Q 20/20, G06Q 20/32).

Parties developing contactless payment authentication systems, financial institutions issuing smart cards, and technology companies implementing cryptographic authentication should review the patent claims to assess potential licensing needs or design-around considerations. The patent provides Capital One with exclusive rights to the disclosed authentication methods across designated European jurisdictions.