# US 12,118,553 B2 · Systems and methods for chip-based identity verification and transaction authentication

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- Number: US 12,118,553 B2
- Document ID: US12118553B2
- Status: Granted
- Kind: B2
- Application number: 18/208,377
- Filed: 2023-06-12
- Published: 2024-01-04
- Granted: 2024-10-15
- Earliest claimed: 2020-08-12
- Assignees: Capital One Services, LLC
- Applicants: Capital One Services, LLC
- Inventors: Cruz Vargas; Michael Mossoba; Jeffrey Rule
- Web page: https://patentgrep.com/patent/US12118553B2

## CPC

- G06Q 20/4014: {Identity check for transactions}
- G06K 19/005: {the record carrier comprising an arrangement to facilitate insertion into a holding device, e.g. an arrangement that makes the record carrier fit into an etui or a casing (ticket holders A45C11/18)}
- G06Q 20/341: {Active cards, i.e. cards including their own processing means, e.g. including an IC or chip}
- G06Q 20/352: {Contactless payments by cards}
- G06Q 20/382: {insuring higher security of transaction}
- H03K 3/03: Astable circuits
- H03K 5/156: Arrangements in which a continuous pulse train is transformed into a train having a desired pattern
- H05K 13/00: Apparatus or processes specially adapted for manufacturing or adjusting assemblages of electric components
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- H03K: PULSE TECHNIQUE (measuring pulse characteristics G01R; modulating sinusoidal oscillations with pulses H03C; transmission of digital information H04L; discriminator circuits detecting phase difference between two signals by counting or integrating cycles of oscillation H03D3/04; automatic control, starting, synchronisation or stabilisation of generators of electronic oscillations or pulses where the type of generator is irrelevant or unspecified H03L; coding, decoding or code conversion, in general H03M)
- H05K: PRINTED CIRCUITS; CASINGS OR CONSTRUCTIONAL DETAILS OF ELECTRIC APPARATUS; MANUFACTURE OF ASSEMBLAGES OF ELECTRICAL COMPONENTS

## Abstract

Example embodiments of systems, methods, and computer-accessible mediums for identity verification and transaction authentication are provided. An exemplary system can comprise an application, a user device, and a server. The application can prompt a removal of a card chip, prompt an insertion of the card chip into the user device, determine an orientation of the card chip after the insertion of the card chip into the user device, and transmit, to the card chip, a first message. The card chip can encrypt the first message via one or more authentication protocols to generate an encrypted first message, transmit, to the server, the encrypted first message. The server can decrypt the encrypted first message, verify the decrypted first message, and transmit a second message to the application, wherein the application is configured to display a verification notification in response to the second message.

## Claims

### Claim 1

A method of verifying identity performed by an application comprising instructions for execution on a user device including a processor, a memory, and a card chip insertion slot, comprising:
removing a card chip from a card by dissolving an applied adhesive using a solution;
inserting the card chip into the user device;
determining an orientation of the card chip after insertion of the card chip into the card chip insertion slot;
transmitting, to the card chip, a first message; and
receiving, from the card chip, an encrypted first message.

### Claim 2 (depends on 1)

The method of verifying identity of claim 1, further comprising:
requesting, by the application, one or more multifactor authentication inputs,
wherein the one or more multifactor authentication inputs comprises at least one selected from the group of a password, an identification number, and a biometric input.

### Claim 3 (depends on 2)

The method of verifying identity of claim 2, further comprising retrieving, by the application, identification data stored by the card chip as an auxiliary multifactor authentication input.

### Claim 4 (depends on 1)

The method of verifying identity of claim 1, further comprising prompting, by the application, removal of the card chip.

### Claim 5 (depends on 1)

The method of verifying identity of claim 1, wherein the card chip insertion slot comprises a tray configured to receive the card chip.

### Claim 6 (depends on 1)

The method of verifying identity of claim 1, wherein the card chip insertion slot comprises a subscriber identity module (SIM) slot.

### Claim 7 (depends on 1)

The method of verifying identity of claim 1, further comprising receiving, by the application, a verification confirmation based on the encrypted first message.

### Claim 8 (depends on 7)

The method of verifying identity of claim 7, wherein the verification confirmation comprises one or more access privileges, the method further comprising:
accessing, by the application, information protected by the one or more access privileges in response to receipt of the verification confirmation.

### Claim 9

An identity verification system for verifying identity comprising:
a card chip;
an application comprising instructions for execution on a user device, the user device including a memory, a processor, and a card chip insertion slot;
wherein the application is configured to cause:
removing a card chip from a card by dissolving an applied adhesive using a solution;
inserting the card chip into the user device;
determining an orientation of the card chip after insertion of the card chip into the card chip insertion slot;
transmitting, to the card chip, a first message; and
receiving, from the card chip, an encrypted first message.

### Claim 10 (depends on 9)

The system of claim 9, wherein the application is further configured to:
request one or more multifactor authentication inputs,
wherein the one or more multifactor authentication inputs comprises at least one selected from the group of a password, an identification number, and a biometric input.

### Claim 11 (depends on 10)

The system of claim 10, wherein the application is configured to retrieve identification data stored by the card chip as an auxiliary multifactor authentication input.

### Claim 12 (depends on 9)

The system of claim 9, wherein the application is configured to prompt removal of the card chip.