Patent ID: 11880823
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method, comprising:
transmitting, by a server to a web browser on a client device, a web page;
receiving, by the server from the web browser, an activation request to activate a contactless card, the activation request comprising both a cryptogram and an unencrypted customer identifier associated with the contactless card;
identifying, by the server based on the unencrypted customer identifier, a master key and a counter value associated with the contactless card;
incrementing, by the server, the counter value associated with the contactless card;
encrypting, by the server, the counter value as incremented and the master key to generate a diversified key associated with the contactless card;
decrypting, by the server, the cryptogram using the diversified key;
transitioning, by the server based on decrypting the cryptogram, the contactless card from an inactive payment state to an active payment state by storing an indication in a database that the contactless card is in the active payment state; and
transmitting, by the server to the web page and based on transitioning the contactless card from the inactive payment state to the activated payment state, an indication to activate a payment applet of the contactless card.