Utilizing a transaction card to provide secondary authentication for accessing a secure application with a user device

US10453054B2 · kind B2 · utility

Assignee

• CAPITAL ONE SERVICES, LLC · US

Inventors

• James Zarakas · Centreville, US
• Molly Johnson · McLean, US
• Robert T. Perry · Ashburn, US
• Adam Koeppel · Washington, US
• Tyler Locke · Communipaw, US

Key dates

• Filing date: Jan 10, 2018
• Grant date: Oct 22, 2019
• Expiry date: Jan 10, 2038

Classification

• Technology area (CPC H): Electricity
• CPC primary: H04W84/12
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application.