Determining whether a user has possession of a transaction card and/or whether the user is authorized to possess the transaction card

US10438210B1 · kind B1 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

• Francisco Perezleon · San Diego, US
• Molly Johnson · McLean, US
• Colin Hart · Arlington, US
• Kaitlin Newman · Washington, US
• Angelina Wu · Vienna, US
• Jason Ji · Reston, US
• Joshua Edwards · Philadelphia, US

Key dates

• Filing date: Feb 19, 2019
• Grant date: Oct 8, 2019
• Expiry date: Feb 19, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06V40/172
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A device receives a transaction request concerning a transaction and a transaction card from a transaction terminal, and determines, based on the transaction request, information concerning the transaction card. The device sends, based on the transaction request and to a user device, a query concerning possession of the transaction card by a user of the user device, where the query includes an instruction for the user to confirm possession of the transaction card via a component of the user device. The device receives, from the user device and after sending the query to the user device, a response concerning possession of the transaction card by the user, and determines, based on the response and the information concerning the transaction card, whether the user has possession of the transaction card. The device performs, based on determining whether the user has possession of the transaction card, at least one action.