Systems and methods for authenticating a user
AssigneeCapital One Services, LLC
InventorPaul Y. Moreton
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Abstract
Disclosed embodiments may include a method for authenticating a user. The method may include receiving first information at a card network from a mobile device. The mobile device may have received the first information from a smart card. The method may include determining, at the card network, that the first information includes an authentication flag. The method may include authenticating, by the card network, an identity of the user by comparing the first information to second information associated with the user and stored in a database. The method may further include transmitting, from the card network, identity information associated with the first information to the mobile device.
Claims20
A method for authenticating a user, the method comprising:
- receiving, first information at a card network from a mobile device, wherein the mobile device received the first information from a smart card;
- determining, at the card network, that the first information comprises an authentication flag;
- authenticating, by the card network, an identity of the user by comparing the first information to second information associated with the user and stored in a database;
- and
- transmitting, from the card network, identity information associated with the first information to the mobile device.
A method for authenticating a user, the method comprising:
- receiving, at a mobile device, from a smart card via near field communication (NFC), first data, the first data in a Europay-Visa-Mastercard (EMV) format;
- generating, from the first data, second data comprising an authentication flag, the authentication flag indicating a request for authentication;
- transmitting the second data to a card network;
- and
- receiving, from the card network, identity information to authenticate the user.
A method for authenticating a user, the method comprising:
- receiving, first information from a mobile device, wherein the mobile device received the first information from a smart card;
- determining that the first information comprises an authentication flag;
- authenticating an identity of the user by comparing the first information to second information associated with the user and stored in a database;
- and
- transmitting identity information associated with the first information to the mobile device.
Dependencies are inferred from the claim text.