US 12,169,824 B1
Blank card with dynamic data cluster encryption
Saurabh Gupta, New Delhi (IN)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Jul. 14, 2023, as Appl. No. 18/221,937.
Int. Cl. G06Q 20/34 (2012.01); G06Q 20/18 (2012.01); G06Q 20/38 (2012.01)
CPC G06Q 20/341 (2013.01) [G06Q 20/18 (2013.01); G06Q 20/352 (2013.01); G06Q 20/3829 (2013.01)] 21 Claims
OG exemplary drawing
 
1. A system for improving transaction security of a self-service kiosk, the system comprising a smart card having a thickness not greater than 0.8 millimeters (“mm”) and a surface area not greater than 86 mm×54 mm and comprising:
a wireless communication interface comprising a network interface card (NIC) and a near-field communication (NFC) chip;
a microprocessor;
a battery powering the wireless communication interface and the microprocessor; and
executable instructions stored in a non-transitory memory, that when run by the microprocessor:
using the NIC, initiate a secure connection with a financial institution and receive an encrypted dataset, the dataset dynamically clustered into a random number of clusters prior to encryption, each cluster associated with a separate encryption key;
using the NFC chip, initiate a secure communication channel with the self-service kiosk and self-authenticate the smart card to the self-service kiosk using the encrypted dataset clusters; and
purge the encrypted dataset clusters from temporary storage on the smart card;
the self-service kiosk comprising:
a front controller that receives the encrypted dataset clusters from the wireless interface via NFC;
a decryption controller that decrypts the encrypted dataset clusters using a set of encryption keys obtained from a remote computer server associated with the financial institution; and
an input validation controller that validates the encrypted dataset clusters before executing a transaction.