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

Claim 5:
6. A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a processor, cause the processor to:
transmit, to a web browser on a client device, a web page;
receive, 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;
identify, based on the unencrypted customer identifier, a master key and a counter value associated with the contactless card;
increment the counter value associated with the contactless card;
encrypt the counter value as incremented and the master key to generate a diversified key associated with the contactless card;
decrypt the cryptogram using the diversified key;
transition, 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
transmit, 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.