Patent · US Active

Systems and methods for transaction card-based authentication

US12143515B2 · kind B2 · utility

0Cited by

258References

20Claims

0Family size

Assignee

CAPITAL ONE SERVICES, LLC · US

Inventors

Kevin Osborn · Newton, US
Samuel Patrick EDWARDS · Richmond, US
Vincent Ngo · McLean, US

Key dates

Filing date	Mar 26, 2021
Grant date	Nov 12, 2024
Priority date	—
Expiry date	May 16, 2041

Classification

Technology area (CPC H)Electricity
CPC primaryH04L2209/805
WIPO fieldDigital communication
WIPO sectorElectrical engineering

Abstract

A method is provided for communicating with a transaction card having a card data processor, a near card field communication (NFC) interface, and a card memory having a unique card identifier stored therein. In this method, a user communication device establishes an NFC session with the transaction card and transmits to the transaction card an NFC data exchange format (NDEF) WRITE TAG command including session-specific challenge information. The user communication device transmits to the transaction card an NDEF READ TAG command and receives from the transaction card, card-specific challenge response information. The challenge response information is then used to authenticate the transaction card.

Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.