US 12,596,781 B2Granted

Authentication of a physical credential

AssigneeCapital One Services, LLC

InventorsClayton Johnson, Daniel Tesser, Luis De La Rosa, Jeffrey Wieker

Life of this patent

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Abstract

Aspects described herein may provide detection of a physical characteristic of a credential, thereby allowing for authentication of the credential. According to some aspects, these and other benefits may be achieved by detecting the physical characteristic with the credential. An image of a credential may be received. An optical characteristic of a secure feature of the credential may be determined. An expected optical characteristic of the secure feature may be determined based on known properties of the secure feature. A determination as to whether the credential is authentic may be based on a comparison of the determined optical characteristic of the secure feature to the expected optical characteristic of the secure feature.

Claims20

Dependent claims

A computer-implemented method comprising:

receiving, by a computing device, one or more images depicting a credential;
determining, based on one or more physical features of the credential, an expected physical characteristic of at least a portion of the credential;
determining, based on the one or more images, an actual physical characteristic of the at least the portion of the credential;
determining whether the credential is authentic by comparing the actual physical characteristic of the at least the portion of the credential to the expected physical characteristic of at least a portion of the credential, wherein the comparing the actual physical characteristic of the at least the portion of the credential to the expected physical characteristic of the at least the portion of the credential comprises comparing the one or more images depicting the credential to one or more stored image of one or more different types of credentials;
and
transmitting, based on whether the credential is authentic, an indication of whether a transaction should be approved.

3 more elements

A computing device comprising:

one or more processors;
and
memory storing instructions that, when executed by the one or more processors, cause the computing device to:
receive one or more images depicting a credential;
determine, based on one or more physical features of the credential, an expected physical characteristic of at least a portion of the credential;
determine, based on the one or more images, an actual physical characteristic of the at least the portion of the credential;
determine whether the credential is authentic by comparing the actual physical characteristic of the at least the portion of the credential to the expected physical characteristic of at least a portion of the credential, wherein the comparing the actual physical characteristic of the at least the portion of the credential to the expected physical characteristic of the at least the portion of the credential comprises comparing the one or more images depicting the credential to one or more stored image of one or more different types of credentials;
and
transmit, based on whether the credential is authentic, an indication of whether a transaction should be approved.

6 more elements

Dependencies are inferred from the claim text.

Facts

Application: 19/020,256Filed 14 Jan 2025 · continuation
Priority: 18 Oct 2019
Published: US 2025/0148068 A18 May 2025
Granted: 7 Apr 2026
Term ends: Not estimatedThe source records don’t support an estimate.

Classification16 codes

G06F 21/36
User authentication: by graphic or iconic representation
B42D 25/23
Characterised by a particular use or purpose: identity cards
B42D 25/309
Identification or security features, e.g. for preventing forgery: photographs
B42D 25/333
Identification or security features, e.g. for preventing forgery: watermarks

Family

Application16/656,748Parent of this continuation · filed 18 Oct 2019
Application16/892,568Parent of this continuation · filed 4 Jun 2020
US 10,710,391 B1Parent of this continuation · filed 14 Jul 2020
Application17/529,820Parent of this continuation · filed 18 Nov 2021
US 11,207,909 B2Parent of this continuation · filed 28 Dec 2021
Application18/087,053Parent of this continuation · filed 22 Dec 2022
US 11,560,012 B2Parent of this continuation · filed 24 Jan 2023
Application18/511,297Parent of this continuation · filed 16 Nov 2023
US 11,853,408 B2Parent of this continuation · filed 26 Dec 2023
US 2025/0148068 A1Pre-grant publication · published 8 May 2025
US 12,229,240 B2Parent of this continuation
US 2021/0114397 A1Published application
US 2022/0072890 A1Published application
US 2023/0237140 A1Published application
US 2024/0086517 A1Published application
US 12,596,781 B2This patent

From the US filing history. Foreign family members aren’t listed.