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US 2024/0403404 A1Published application
System and method to perform digital authentication using multiple channels of communication
AssigneeCapital One Services, LLC
InventorsJustin Anthony BOWERS, James ASHFIELD, Melissa Yoemans HENG
Life of this patent
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Abstract
Embodiments are generally directed to systems, devices, and techniques to authenticate unauthenticated users to perform sensitive actions.
Claims1
A computer-implemented method, comprising:
- determining, by a mobile device, first data comprising to cause the mobile device to download and install a mobile application on the mobile device, wherein the first data is received via scanning quick-response (QR) code or receiving a message comprising the first data;
- receiving, by the mobile device, second data comprising an identifier to identify and launch an authentication operation of the mobile application utilizing a contactless card based on the identifier;
- receiving, by the mobile device, encrypted data from the contactless card;
- authenticating, by the mobile device, the encrypted data;
- receiving, by the mobile device, an indication to perform sensitive actions based on authentication of the encrypted data.
2 more elements
Dependencies are inferred from the claim text.