US 12,706,904 B2 · Authenticated messaging session with contactless card authentication

Abstract

The exemplary embodiments described herein overcome problems encountered by conventional systems by providing an authenticated messaging environment in which a user can securely message with a programmatic intelligent agent. The user may be authenticated at the prompting of the programmatic intelligent agent, such as the beginning of a messaging session or when the user submits a request that requires access to sensitive or confidential information or requires access to a secure account. The prompt may take the form of a message sent from the programmatic intelligent agent. The message may contain a link for launching code, such as an application, that facilitates authentication of the user's identity. The user may activate the link to launch the code and then perform the steps requested by the code to perform the authentication.

Claims20

Dependent claims

A method, comprising:

receiving, by a messaging service at a programmatic intelligent agent running on a second computing device and from a first computing device, a message requesting a response message from the programmatic intelligent agent;
generating, by the second computing device, a request message comprising a link to automatically launch an application on the first computing device to perform authentication;
sending, by the second computing device, the request message comprising the link from the programmatic intelligent agent to the first computing device via the messaging service;
receiving, by the second computing device and from an authentication service, confirmation at the programmatic intelligent agent that a party has been authenticated via a contactless card;
and
initiating, by the second computing device, an authenticated messaging session between the first computing device and the programmatic intelligent agent in response to the confirmation that the party has been authenticated by the first computing device.

3 more elements

A computing apparatus comprising:

a processor;
and
a memory storing instructions that, when executed by the processor, configure the apparatus to:
receive, by a messaging service at a programmatic intelligent agent running on the computing apparatus and from a first computing device, a message requesting a response message from the programmatic intelligent agent;
generate a request message comprising a link to automatically launch an application on the first computing device to perform authentication;
send the request message comprising the link from the programmatic intelligent agent to the first computing device via the messaging service;
receive, from an authentication service, confirmation at the programmatic intelligent agent that a party has been authenticated via a contactless card;
and
initiate an authenticated messaging session between the first computing device and the programmatic intelligent agent in response to the confirmation that the party has been authenticated by the first computing device.

6 more elements

A non-transitory computer-readable storage medium, the computer-readable storage medium including instructions that when executed by a computer, cause the computer to:

receive, by a messaging service at a programmatic intelligent agent running on the computer and from a first computing device, a message requesting a response message from the programmatic intelligent agent;
generate a request message comprising a link to automatically launch an application on the first computing device to perform authentication;
send the request message comprising the link from the programmatic intelligent agent to the first computing device via the messaging service;
receive, from an authentication service, confirmation at the programmatic intelligent agent that a party has been authenticated via a contactless card;
and
initiate an authenticated messaging session between the first computing device and the programmatic intelligent agent in response to the confirmation that the party has been authenticated by the first computing device.

3 more elements

Dependencies are inferred from the claim text.

Authenticated messaging session with contactless card authentication

Life of this patent

Authenticated messaging session with contactless card authentication

Life of this patent

Abstract

Claims20