Granted Patent B2

US 12,619,990 · App. 18/200,663 · Granted May 5, 2026

Inventor: Dmitriy Kolchin (Rolling Hills Estates, CA)

G06Q20/4016G06Q20/352G06Q20/4015

Abstract

Claims (54)

1 . A method for conducting secure debit and credit card electronic financial transactions involving NFC card reading using a computer device, the computer device comprising an NFC reader, at least two integrated cameras providing different viewpoints, a GPS receiver, a gyroscope, and a microphone, the method comprising:

identifying, by a computing system, a first payment source account held by a card holder;

receiving, by the computing system, transaction data associated with a transaction initiated by the cardholder with a merchant using the first payment source account, the transaction having a transaction amount;

requesting, by the computing system, via a first network, a first transfer of the transaction amount from the first payment source account within a predetermined time;

connecting to, powering, and reading, by the computer device, an NFC chip of a payment card to obtain tag-length-value (TLV) records including a primary account number encoded at tag 0x5A and an expiration date, and performing a zero-dollar authorization to verify the card and to obtain and store a network token;

concurrently capturing, by the at least two integrated cameras, image frames of the payment card from different viewpoints; pre-validating candidate frames by computing a fast Fourier transform-based blur metric and rejecting frames that fail a blur threshold, detecting glare with a convolutional-neural-network-generated glare heatmap and rejecting frames that exceed a glare threshold, and detecting occlusion and requesting re-capture upon occlusion detection;

verifying presence of a holographic image on the payment card by detecting viewpoint-dependent changes across the concurrently captured frames indicative of holographic motion;

obtaining a first geolocation from the computer device during an NFC reading session and obtaining a second geolocation by transmitting a link to a device of the cardholder to capture an electronic signature and recording a geolocation at signature time;

classifying cardholder presence when the first and second geolocations are within a predetermined radius;

determining a card status, the card status being set to card-present only when both the holographic verification and the cardholder-presence classification succeed, and otherwise being set to card-not-present;

storing metadata associated with the transaction in a database, the metadata including at least the card status, the holographic verification result, the first and second geolocations, and the network token, and encrypting the stored metadata;

in response to determining that the card is present and the cardholder is not present, processing the network token obtained from the NFC read as a card-not-present transaction; and

transferring the transaction amount to pay the merchant.

2 . The method of claim 1 , wherein the card-present status condition is met when the card is present, or the cardholder is present, or both.

3 . The method of claim 1 , wherein converting the card-present status into card-not-present status comprising:

connecting, powering and reading an NFC chip on the card using an NFC reader of the computer device;

querying the NFC chip for its data files and extracting at least one of a PAN card number and expiration date from the data files by decoding NFC records that are encoded in tag-length-value (TLV) format; and

performing a “zero-dollar transaction” to verify the card validity and to store a token.

4 . The method of claim 3 , further comprising using a camera of the computer device, detecting and recording during the NFC card reading session, unique characteristics of the card comprising at least one of positioning or movement of the card, holographic image of the card, and an image of a person doing the transaction.

5 . The method of claim 3 , further comprising determining a geo-position of the card using a GPS sensor of the computing device for the purposes of fraud detection.

6 . The method of claim 3 , further comprising, using a gyroscope of the computing device, detecting micro movements of the computer device for tap presence, if the computing device is stationary.

7 . The method of claim 3 , further comprising, using a gyroscope of the computing device, detecting the movement of the computing device during the NFC reading session for proof of transaction, if the computing device is not stationary.

8 . The method of claim 3 , further comprising, using a microphone of the computing device, recording sounds and detecting the distance from the card to the computing device for proof of transaction.

9 . The method of claim 1 , further comprising, during the NFC reading session, extracting additional data from the computing device, wherein the data is at least one of computing device ID number and phone number, and sending the data to a processor for the transaction risk reduction and fraud prevention.

10 . A system for conducting secure debit and credit card electronic financial transactions involving NFC card reading using a computer device comprising:

an NFC card reader;

at least two integrated cameras providing different viewpoints;

a GPS receiver; a gyroscope;

a microphone;

one or more processors; and

one or more memories having stored thereon instructions that, when executed by the one or more processors, cause the one or more processors to:

identify a first payment source account held by a card holder;

receive transaction data associated with a transaction initiated by the cardholder with a merchant using the first payment source account, the transaction having a transaction amount;

request, via a first network, a first transfer of the transaction amount from the first payment source account within a predetermined time;

connect to, power, and read from an NFC chip of a payment card via the NFC card reader, decode TLV records to extract a primary account number encoded at tag 0x5A and an expiration date, and perform a zero-dollar authorization to verify the card and to obtain and store a network token;

concurrently capture, by the at least two integrated cameras, image frames of the physical payment card at different viewpoints;

pre-validate candidate frames by computing a fast Fourier transform blur metric and detecting glare with a convolutional neural network to generate a glare heatmap, reject frames failing thresholds, and detect occlusion and request re-capture upon occlusion detection;

verify presence of a holographic image on the payment card by detecting viewpoint-dependent changes across the concurrently captured frames indicative of holographic motion;

obtain a first geolocation from the computing device during the NFC reading session and obtain a second geolocation by transmitting a link to the cardholder's device to capture an electronic signature and recording the geolocation at signature time, and classify cardholder presence when the first and second geolocations are within a predetermined radius;

determine a card status, wherein the card status is set to card-present only when both the holographic verification and the cardholder-presence classification succeed, and otherwise is set to card-not-present;

store metadata associated with the transaction in a database wherein the metadata includes at least the card status, the holographic verification result, the geolocations, and the token, and encrypt the stored metadata;

in response to determining that the card is present and the cardholder is not present, process the token obtained from the NFC read as a card-not-present transaction; and

transfer the transaction amount to pay the merchant.

11 . A non-transitory physical computer storage medium storing instructions that, when executed by one or more computing devices having an NFC reader, at least two integrated cameras providing different viewpoints, a GPS receiver, a gyroscope, and a microphone, configure the one or more computing devices to:

identify a first payment source account held by a card holder;

receive transaction data associated with a transaction initiated by the cardholder with a merchant using the first payment source account, the transaction having a transaction amount;

request, via a first network, a first transfer of the transaction amount from the first payment source account within a predetermined time;

connect to, power, and read from an NFC chip of a payment card, decode TLV records to extract a primary account number encoded at tag 0x5A and an expiration date, and perform a zero-dollar authorization to verify the card and to obtain and store a network token;

concurrently capture image frames of the physical payment card at different viewpoints; pre-validate candidate frames using a fast Fourier transform-based blur metric, a convolutional-neural-network glare heatmap, and occlusion detection;

verify a holographic image on the card from viewpoint-dependent changes across the concurrently captured frames;

obtain a first geolocation from the computing device during the NFC reading session and obtain a second geolocation by sending a link to the cardholder's device to capture an electronic signature and recording the geolocation at signature time, and classify cardholder presence when the first and second geolocations are within a predetermined radius;

determine a card status, set the card status to card-present only when both the holographic verification and the cardholder-presence classification succeed, and otherwise set the card status to card-not-present; store metadata associated with the transaction in a database wherein the metadata includes at least the card status, the holographic verification result, the geolocations, and the token, and encrypt the stored metadata;

in response to determining that the card is present and the cardholder is not present, process the token obtained from the NFC read as a card-not-present transaction; and

transfer the transaction amount to pay the merchant.

Assignments (1)

Continuity (5)

References Cited (15)