US 2020/0090168 A1Published application

Systems and methods for providing card interactions

AssigneeCapital One Services, LLC

InventorsLara Mossler, Aravindhan Manivannan, Baskar Dilli

Life of this patent

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Abstract

A method including receiving a first application user credential associated with a user profile; comparing, for a first match, the first application user credential with a stored second application user credential, wherein the stored second application user credential is associated with a user identity; and responsive to finding a first match, verifying the user identity by performing the following: communicating with a card using near field communication; receiving a public key of a key pair of the card and cardholder identification information of an account holder of the card; instructing the card to generate a digital signature; receiving the digital signature from the card; verifying the digital signature using the public key; and comparing, for a second match, at least a portion of the user identity with at least a portion of the cardholder identification information.

Claims20

Dependent claims

A method for multi-level user authentication, the method comprising:

receiving, by an application associated with a computing device, a first user credential from a user, the first user credential associated with a user of an account having an associated transaction card provided by an account provider;
determining that the first user credential matches a stored user credential, the stored user credential associated with a user identity of the account;
verifying the user identity by:
receiving, at the application, a public key of a key pair associated with the transaction card;
instructing, by the application and via an antenna of the computing device configured to communicate with a radio frequency identification (RFID) chip in the transaction card using near field communication (NFC), the transaction card to generate a digital signature by using a private key of the key pair;
receiving, at the application and via the antenna, the digital signature;
and
verifying, by the application, the digital signature using the public key;
and
determining, by the application, to authenticate the user based on the verification of the digital signature and the first user credential matching the stored user credential.

7 more elements

A method for multi-level user authentication, the method comprising:

logging a user onto an application associated with a computing device by:
receiving, at the application, a first user credential associated with a user profile of the user, the first user credential comprising at least one of:
biometric data, a gesture, or a username and password combination;
and
determining, with the application, that the first user credential matches a stored user credential;
displaying, on the application, a plurality of user account options;
receiving, at the application, a user selection of a first-level user account option;
providing, via the application, access to the first-level user account option;
receiving, by the application, a user selection of a second-level user account option;
displaying a request to verify the identity of the user in response to the selection of the second-level user account option;
verifying the identity of the user by:
receiving, by the application, card information from a card;
and
verifying, with the application, that an account-holder of the card is associated with the user profile based on the card information;
and
providing, by the application, access to the second-level user account option.

13 more elements

A system for multi-level user authentication, the system comprising:

a computing device including an application and an antenna configured to communicate with a radio frequency identification (RFID) chip in a transaction card using near field communication (NFC);
one or more processors operable to run the application;
and
a memory in communication with the one or more processors and storing instructions that, when executed by the one or more processors, are configured to cause the system to:
log a user onto the application by:
receiving a first user credential associated with a user profile of the user, the first user credential comprising at least one of:
biometric data, a gesture, or a username and password combination;
and
determining that the first user credential matches a stored second user credential;
display, on the application, a plurality of user account options;
receive, at the application, a user selection of a first-level user account option;
provide, via the application, access to the first-level user account option, wherein the first-level user account option includes at least of:
a display of an account balance or a display of recent transactions;
receive, by the application, a user selection of a second-level user account option;
display a request to verify the identity of the user in response to the selection of the second-level user account option, wherein the second-level user account option includes at least of:
a payment transfer, a payment request, a personal identification number (PIN) change request, a card activation request, or an address change request;
verify the identity of the user by:
receiving, by the application and via the antenna, card information from the transaction card;
and
verifying, with the application, that an account-holder of the transaction card is associated with the user profile based on the card information;
and
provide, by the application, access to the second-level user account option.

19 more elements

Dependencies are inferred from the claim text.

Facts

Application: 16/526,149Filed 30 Jul 2019
Priority: 19 Sep 2018
Published: 19 Mar 2020
Term ends: Not estimatedThe source records don’t support an estimate.

Classification22 codes

G06Q 20/3821
Insuring higher security of transaction: electronic credentials
G06F 21/31
Authentication, i.e. establishing the identity or authorisation of security principals: user authentication
G06F 21/32
User authentication: using biometric data, e.g. fingerprints, iris scans or voiceprints
G06F 21/35
Involving the use of external additional devices, e.g. dongles or smart cards: communicating wirelessly

Family

Application16/135,954Division · filed 19 Sep 2018
Application16/526,149Division
US 10,395,244 B1Related patent
US 11,216,806 B2Related patent
US 2020/0090168 A1This patent

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