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US Patent 10541995 First factor contactless card authentication system and method

Patent 10541995 was granted and assigned to Capital One on January, 2020 by the United States Patent and Trademark Office.

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Contents

Is a
Patent
Patent
0

Patent attributes

Patent Applicant
Capital One
Capital One
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Current Assignee
Capital One
Capital One
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Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
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Patent Number
105419950
Patent Inventor Names
Lara Mossler0
Kaitlin Newman0
Kevin Osborn0
Date of Patent
January 21, 2020
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Patent Application Number
165190790
Date Filed
July 23, 2019
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Patent Citations
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US Patent 10129648 Hinged computing device for binaural recording
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US Patent 10217105 Transaction card mode related to locating a transaction card
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US Patent 10043164 System and method for facilitating a transaction between a merchant and a cardholder
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US Patent 10075437 Secure authentication of a user of a device during a session with a connected server
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US Patent 10133979 Wearable computing device-powered chip-enabled card
Patent Citations Received
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US Patent D1041501 Display screen or portion thereof with animated graphical user interface for card communication
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US Patent 11922417 Systems and methods for near field contactless card communication and cryptographic authentication
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US Patent 11943007 Wirelessly powered batteryless device
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US Patent 11956230 First factor contactless card authentication system and method
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US Patent 12008558 Systems and methods for cryptographic authentication of contactless cards
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US Patent 12026707 Systems and methods for cryptographic authentication of contactless cards
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US Patent 11489929 System and method for determining client program based on login method
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US Patent 10657754 Contactless card and personal identification system
...
Patent Primary Examiner
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Dao Q Ho
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Patent abstract

A password-less authentication system and method include registering a contactless card of a client with an application service and binding the contactless card to one or more client devices. The contactless card advantageously stores a username and a dynamic password. Accesses by the client to the application service may be made using any client device, and authentication of the accesses may be performed by any client device that includes a contactless card interface and can retrieve the username and dynamic password pair from the contactless card. By storing the username on the card, rather than requiring user input, application security improved because access to and knowledge of login credentials is limited. In addition, the use of a dynamic password reduces the potential of malicious access.

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