Capital One Services, LLC

Emily Wallar

Kelly Jo Brown

Systems and methods of the present disclosure enable improved cryptographic security using an integrated circuit of a short range wireless card. The integrated circuit receives, via a short range wireless signal, from a user device, a bearer token request including an identifier that identifies a user, the user device or both. The integrated circuit determines a cryptographic key and uses a time keeping circuit to generate a time value indicative of a window of time for which a bearer token is to be valid. The integrated circuit uses a cryptographic hash to produce the bearer token based on: the identifier, the time value and the cryptographic key. The integrated circuit transmits, via a return short range wireless signal to the user device, the bearer token to enable authentication of the user upon the bearer token being equivalent to a comparison token within the time window.

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Woodbridge, VA, United States of America

Emily Wallar