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    Devices and methods for selective contactless communication
    1.
    发明授权
    Devices and methods for selective contactless communication 有权

    公开(公告)号：US12125021B2

    公开(公告)日：2024-10-22

    申请号：US18407210

    申请日：2024-01-08

    申请人： Capital One Services, LLC

    发明人： Jeffrey Rule ,  Kaitlin J. Newman ,  Wayne David Lutz ,  Kevin Grant Osborn ,  Paul Moreton

    IPC分类号： G06Q20/00 ,  G06Q20/32 ,  G06Q20/34 ,  G06Q20/38

    CPC分类号： G06Q20/352 ,  G06Q20/3226 ,  G06Q20/353 ,  G06Q20/3829 ,  G06Q2220/123

    摘要： A card having an antenna, one or processors, and memory having stored thereon a first application and a second application configured to receive an input of the card and determine a request associated with the input. The card is further configured to activate, responsive to determining that the request is consistent with a contactless EuroPay-MasterCard-Visa (EMV) data standard, the first application. The first application is configured to communicate, via near field communication (NFC), data to the communicating device via the antenna based on the EMV data standard for payment purposes. The card is further configured to activate, responsive to determining that the request is consistent with a near field communication data exchange format (NDEF) standard, the second application. The second application is configured to communicate, via NFC, data to the communicating device via the antenna based on the NDEF standard for verification/identification purposes.

    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：US20240338677A1

    公开(公告)日：2024-10-10

    申请号：US18743213

    申请日：2024-06-14

    申请人： Capital One Services, LLC

    发明人： Jeffrey RULE ,  Walter A. MILLER

    IPC分类号： G06Q20/34 ,  G06Q20/38 ,  G06Q20/40 ,  H04L9/32

    CPC分类号： G06Q20/352 ,  G06Q20/3829 ,  G06Q20/405 ,  H04L9/3234 ,  G06Q2220/00

    摘要： 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.

    SYSTEMS AND METHODS OF CONTACTLESS CARD AS ONE AUTHENTICATION FACTOR FOR MULTIPLE FACTOR AUTHENTICATION
    7.
    发明公开
    SYSTEMS AND METHODS OF CONTACTLESS CARD AS ONE AUTHENTICATION FACTOR FOR MULTIPLE FACTOR AUTHENTICATION 审中-公开

    公开(公告)号：US20240303630A1

    公开(公告)日：2024-09-12

    申请号：US18120236

    申请日：2023-03-10

    申请人： Capital One Services, LLC

    发明人： Katherine McHUGH ,  Lesley NEWTON ,  Patrick ZEARFOSS

    IPC分类号： G06Q20/34 ,  G06Q20/40

    CPC分类号： G06Q20/352 ,  G06Q20/401

    摘要： A method comprises: receiving, by a server from a first device, a first request of authenticating a user using a first authentication factor; authenticating, by the server, the user using the first authentication factor; receiving, by the server from the first device, a second request of authenticating the user using a contactless card as a second authentication factor; receiving, by the server from the user device, a cryptogram of the contactless card; validating, by the server, the cryptogram; decrypting, by the server, the cryptogram; extracting, by the server, from the decrypted cryptogram a unique customer identifier of the contactless card; verifying, by the server, the unique customer identifier; authenticating, by the server, the user using the unique customer identifier; and transmitting, by the sever to the first device, an authentication result of authenticating the user using the contactless card as the second authentication factor.