Granted Patent B2

US 12,567,069 · App. 19/209,423 · Granted Mar 3, 2026

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

Assignee: CAPITAL ONE SERVICES, LLC

G06Q20/401G06K19/07773G06Q20/3829

Abstract

Claims (92)

1 . A system comprising:

a transaction card operable to perform Europay-Visa-Mastercard (EMV) transactions and associated with an account of a user; and

a computing device comprising:

one or more antennas;

one or more device processors;

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

establishing, via the one or more antennas, a first connection via near-field communication (NFC) between the computing device and the transaction card, the computing device associated with the user;

transmitting, from an application operating on the computing device and to the transaction card via the first connection, a request for authentication information, the request associated with the account and used to verify an identity of the user;

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

authenticating the identity of the user using the authentication information; and

responsive to authenticating the identity of the user, allowing, via the computing device, the user to access one or more account actions requiring authentication in the application.

2 . The system of claim 1 , wherein:

the non-transitory device memory stores further instructions that cause the one or more device processors to receive, via the application, log-in credentials from the user, the log-in credentials further used to verify the identity of the user,

the request for the authentication information is encrypted, and

the first response is encrypted.

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

one or more card antennas;

one or more card processors; 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:

receiving or obtaining preloaded data associated with the authentication information; and

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

4 . The system of claim 3 , further comprising one or more servers comprising:

one or more server processors; and

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

as part of verifying the identity of the user based on the authentication information:

receiving, from the application operating on the computing device, the authentication information received from the transaction card; and

confirming the identity of the user using the authentication information.

5 . The system of claim 4 , wherein:

the first response comprises a digital signature,

the digital signature is generated from a private key of a key pair.

6 . The system of claim 5 , wherein:

the preloaded data are received at personalization, and

the preloaded data are associated with at least the private key of the key pair.

7 . The system of claim 6 , wherein:

the one or more account actions comprise authorizing a purchase associated with the account.

8 . The system of claim 7 , wherein the non-transitory server memory stores further instructions that cause the one or more server processors to:

transmit, to the computing device, a notification prompting the user to provide the transaction card to verify the identity of the user.

9 . The system of claim 8 , wherein the non-transitory card memory stores further instructions that cause the one or more card processors to:

execute an EMV transaction by:

receiving EMV data at the transaction card; and

generating an EMV response to the EMV data.

10 . A method comprising:

establishing, via one or more antennas of a computing device, a first connection via near-field communication (NFC) between the computing device associated with a user and a transaction card operable to perform Europay-Mastercard-Visa (EMV) transactions and associated with an account;

transmitting, from an application operating on the computing device and to the transaction card via the first connection, a request for authentication information associated with the account and used to verify an identity of the user;

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

verifying the identity of the user based on the authentication information; and

responsive to verifying the identity of the user, allowing the user to access to one or more account actions of the application.

11 . The method of claim 10 , further comprising:

receiving, via the application, log-in credentials from the user, the log-in credentials further used to verify the identity of the user, and

wherein:

the request for the authentication information is encrypted,

the first response is encrypted.

12 . The method of claim 11 , further comprising:

receiving, by the transaction card, preloaded data associated with the authentication information;

generating, by the transaction card, the first response to the request for the authentication information,

wherein verifying the identity of the user with the authentication information further comprises:

receiving, from the application operating on the computing device at one or more servers, the authentication information received from the transaction card; and

confirming, at the one or more servers, the identity of the user from the authentication information.

13 . The method of claim 12 , wherein:

the first response comprises a digital signature used to confirm the identity of the user,

the digital signature is generated from a private key of a key pair,

the first response is encrypted, and

the request for the authentication information is encrypted.

14 . The method of claim 13 , wherein:

the preloaded data are received at personalization,

the preloaded data are associated with at least the private key of the key pair, and

the method further comprises executing an EMV transaction by:

receiving EMV data at the transaction card; and

generating an EMV response to the EMV data.

15 . The method of claim 14 , wherein:

the one or more account actions comprise authorizing a purchase associated with the account.

16 . The method of claim 15 , further comprising:

transmitting, to the computing device, a notification prompting the user provide the transaction card to verify the identity of the user.

17 . A transaction card comprising:

one or more antennas;

one or more card processors;

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:

establishing, via the one or more antennas, a first connection via near-field communication (NFC) between the transaction card and a computing device, the transaction card being associated with an account associated with a user, and the transaction card being operable to perform Europay-Visa-Mastercard (EMV) transactions;

receiving, from an application operating on the computing device via the first connection, a request for authentication data, the request associated with the account and used to verify an identity of the user;

generating a first response to the request, the first response comprising a digital signature generated using one or more keys associated with the transaction card at personalization; and

transmitting, to the computing device via the first connection, the first response to the request comprising the authentication data, the first response used to authenticate the identity of the user to provide access to one or more account actions in the application on the computing device.

18 . The transaction card of claim 17 , wherein:

the request for authentication information is encrypted, and

the first response is encrypted.

19 . The transaction card of claim 18 , wherein:

the computing device authenticates the identity of the user responsive to receiving log-in credentials from the user,

the first response is used to authenticate the identity of the user by:

transmitting, to one or more servers, the authentication data received from the transaction card; and

receiving, from the one or more servers, a confirmation of the identity of the user based on the authentication data.

20 . The transaction card of claim 19 , wherein:

the first response is generated using preloaded data, and

the preloaded data are associated with the one or more keys.

Assignments (1)

Continuity (6)

References Cited (195)