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    SECURE GENERATION OF ONE-TIME PASSCODES USING A CONTACTLESS CARD
    1.
    发明公开
    SECURE GENERATION OF ONE-TIME PASSCODES USING A CONTACTLESS CARD 审中-公开

    公开(公告)号：EP4502904A2

    公开(公告)日：2025-02-05

    申请号：EP24219739.0

    申请日：2021-12-14

    Applicant: Capital One Services, LLC

    Inventor： JI, Jason ,  RULE, Jeffrey ,  HART, Colin ,  LUTZ, Wayne

    IPC: G06Q20/40

    Abstract: A method, comprising: receiving, by an application executing on a processor of a device, a uniform resource locator (URL) and a cryptogram from a contactless card associated with an account; transmitting, by the application associated with the URL, the cryptogram to an authentication server; receiving, by the application, a decryption result from the authentication server indicating the authentication server decrypted the cryptogram; transmitting, by the application based on the decryption result, a request for a one-time passcode (OTP) comprising an identifier to the URL; receiving, by the application, an input value; and based on a determination that a comparison of the input value to a copy of the OTP received by the device from the OTP generator at the URL results in a match, (i) displaying, by the application, one or more attributes of the account on the device and/or (ii) authorizing, by the application, performance of a requested operation.

    DELEGATED ADMINISTRATION OF PERMISSIONS USING A CONTACTLESS CARD
    2.
    发明公开
    DELEGATED ADMINISTRATION OF PERMISSIONS USING A CONTACTLESS CARD 审中-公开

    公开(公告)号：EP4425356A3

    公开(公告)日：2024-10-30

    申请号：EP24188952.6

    申请日：2020-03-19

    Applicant: Capital One Services, LLC

    Inventor： MILLER, Walter A. ,  RULE, Jeffrey

    IPC: G06F21/60 ,  G06F21/35 ,  G06F21/62

    Abstract: Delegated administration of permissions using a contactless card. In one example, a permissions module may receive a request from a first account to grant a second account access to a computing resource. The permissions module may receive permissions data of the first account from a contactless card and encrypted data generated by the contactless card. The permissions module may transmit the permissions data and the encrypted data to an authentication server, which may verify the encrypted data based at least in part on the private key, and determine, based on the permissions data, that the first account has permissions to grant access to the computing resource. The permissions module may receive, from the authentication server, an indication of the verification of the encrypted data and a permissions vector associated with the second account, the permissions vector reflecting the grant of access to the computing resource to the second account.

    SYSTEM AND METHOD FOR PRE-AUTHENTICATION OF CUSTOMER SUPPORT CALLS
    6.
    发明公开
    SYSTEM AND METHOD FOR PRE-AUTHENTICATION OF CUSTOMER SUPPORT CALLS 审中-公开

    公开(公告)号：EP4280581A2

    公开(公告)日：2023-11-22

    申请号：EP23200993.6

    申请日：2020-03-13

    Applicant: Capital One Services, LLC

    Inventor： RULE, Jeffrey ,  ILINCIC, Rajko

    IPC: H04M3/51

    Abstract: A system and method are disclosed that leverage multi-factor authentication features of a service provider and intelligent call routing to increase security and efficiency at a customer call center. Pre-authentication of customer support requests reduces the potential for misappropriation of sensitive customer data during call handling. A contactless card uniquely associated with a client may provide a second factor of authentication to reduce the potential for malicious third-party impersonation of the client. Pre-authorized customer support calls are intelligently and efficiently routed in a manner that reduces the opportunity for malicious call interference and information theft.

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