Capital One Services, LLC

Daniel Tesser

Jeffrey Carlyle Wieker

Luis De La Rosa

Clayton Johnson

Programmable cards, computer-readable media, and systems are disclosed for token payment. For example, a programmable card for token payment, according to some embodiments, may include an antenna and a contact interface. The card may be configured to store, in the rewritable memory, a token transmitted from a user device via a first near field communication (NFC) signal received by the antenna, and provide the stored token to a point of sales terminal via a second NFC signal transmitted by the antenna or via the contact interface.

Programmable card for token payment and systems and methods for using programmable card

Aspects described herein may provide detection of a physical characteristic of a credential, thereby allowing for authentication of the credential. According to some aspects, these and other benefits may be achieved by detecting the physical characteristic with the credential. An image of a credential may be received. An optical characteristic of a secure feature of the credential may be determined. An expected optical characteristic of the secure feature may be determined based on known properties of the secure feature. A determination as to whether the credential is authentic may be based on a comparison of the determined optical characteristic of the secure feature to the expected optical characteristic of the secure feature.

Authentication of a physical credential

An identity verification system may include a contactless card comprising a processor and a memory, and one or more applications comprising instructions for execution on one or more devices. The contactless card may be associated with a first user. A first application may be configured to transmit, after entry of the contactless card into a communication field, identity data. A second application may be configured to receive a notification based on an identity verification process. The notification may comprise an option indicative of requested access to specified information about the first user, the option further including a choice to accept or decline access to the specified information about the first user. The first application may be configured to receive the requested access to specified information about the first user based on selection of the option.

Systems and methods for peer-to-peer identity verification

Aspects described herein may provide detection of a physical characteristic of a credential, thereby allowing for authentication of the credential. According to some aspects, these and other benefits may be achieved by detecting the physical characteristic with the credential in two or more orientations. A first image of a credential in a first orientation and a second image of the credential in a second orientation may be received. An optical characteristic of a secure feature of the credential may be determined based on light reflected from the secure feature in both the first image and the second image. An expected optical characteristic of the secure feature may be determined based on known properties of the secure feature. A determination as to whether the credential is authentic may be based how a comparison of the determined optical characteristic of the secure feature to the expected optical characteristic of the secure feature.

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McLean, VA, United States of America

Daniel Tesser