Granted Patent B2

US 12,307,457 · App. 18/942,268 · Granted May 20, 2025

Inventors: Tyler Locke (Washington, DC); Kevin P. Kelly (Austin, TX)

Assignee: CAPITAL ONE SERVICES, LLC

G06Q20/401G06K19/07773G06Q20/3829

Abstract

Claims (65)

1. A system comprising:

a transaction card comprising a Europay-Visa-Mastercard (EMV) chip; and

a computing device comprising:

one or more antennas;

one or more processors;

a non-transitory memory in communication with the one or more processors and storing instructions that, when executed, cause the one or more processors to perform the steps of:

establishing, via the one or more antennas, a first connection between the computing device associated with a user and the transaction card;

transmitting, from the computing device and to the transaction card via the first connection, a request for authentication information;

receiving, from the transaction card via the first connection, a first response to the request comprising the authentication information;

authenticating the first response with the authentication information; and

providing the user access to an account via the computing device based on authenticating the authentication information.

2. The system of claim 1 , wherein the transaction card further comprises:

one or more card antennas;

one or more card processors;

a sensor, and

a non-transitory card memory in communication with the one or more card processors and storing instructions that, when executed, cause the one or more card processors to perform the steps of:

evaluating, with the sensor, the first connection between the transaction card and the user device; and

generate, via the one or more card processors, the first response to the request for authentication information.

3. The system of claim 1 , wherein:

the first response received at the computing device via the one or more antennas is used to authenticate the user when making a purchase.

4. The system of claim 2 , wherein:

the request for authentication information is encrypted, and

the first response is encrypted.

5. The system of claim 4 , wherein:

the card memory in communication with the one or more card processors stores further instructions to cause the one or more card processors to perform the steps of:

receiving, upon personalization, preloaded card credentials.

6. The system of claim 5 , wherein:

the preloaded card credentials comprise at least a private key of a key pair, the private key used to generate a digital signature.

7. A computing device comprising:

one or more antennas;

one or more processors; and

a non-transitory memory in communication with the one or more processors and storing instructions that, when executed, cause the one or more processors to perform the steps of:

establishing, via the one or more antennas, a first connection between the computing device associated with a user and a transaction card;

transmitting, from the computing device and to the transaction card via the first connection, a request for authentication information;

receiving, from the transaction card via the first connection, a first response to the request comprising the authentication information;

authenticating the first response with the authentication information; and

providing the user access to an account via the computing device based on authenticating the authentication information.

8. The computing device of claim 7 , wherein:

the transaction card is capable of being used for Europay-Visa-Mastercard (EMV) transactions; and

the first connection is a wireless connection.

9. The computing device of claim 8 , wherein:

the first response received by the computing device via the one or more antennas is used to authenticate the user when making a purchase.

10. The computing device of claim 8 , wherein:

the first response comprises a digital signature.

11. The computing device of claim 10 , wherein the digital signature is used to confirm an identity of the user.

12. The computing device of claim 11 , wherein the first response is encrypted.

13. The computing device of claim 12 , wherein:

the request for authentication information is encrypted.

14. The computing device of claim 11 , wherein:

the first connection between the transaction card and the computing device is a near field communication (NFC) connection.

15. A method comprising:

establishing, via one or more antennas, a first connection between a computing device associated with a user and a transaction card;

transmitting, from the computing device and to the transaction card via the first connection, a request for authentication data,

receiving, from the transaction card via the first connection, a first response to the request comprising the authentication data;

authenticating the first response with the authentication data; and

providing the user access to an account via the computing device based on authenticating the authentication data.

16. The method of claim 15 , wherein

the first connection is a near field communication (NFC) wireless connection between the transaction card and the computing device.

17. The method of claim 16 , wherein the first response is used to authenticate an identity of the user in connection with a transaction.

18. The method of claim 16 , wherein the first response is used for step-up authentication.

19. The method of claim 17 , wherein the first response comprises a digital signature.

20. The method of claim 19 , wherein:

the first response is generated from a preloaded credentials,

the preloaded credentials comprise a private key of a key pair, and

the private key is used to generate the digital signature.

Assignments (1)

Continuity (5)

References Cited (400)