Capital One Services, LLC

Robert Dwane Wokaty, Jr

Eric K Barnum

Disclosed are methods and systems for generating and using biometric-based account numbers. A binary representation of biometric data of a first user may be received and reduced using an encoding process to generate a unique portion of an account number for the first user that is stored in a data store. The first user may be provided a certification mechanism that includes a chip storing the encoding process and a biometric scanning device. In response to an attempt by an unknown user to perform an interaction using the certification mechanism, a value generated by the certification mechanism may be received, and a match may be determined between the value and the unique portion of the account number stored in the data store, the match indicating the unknown user is the first user. Based on the match, the interaction may be authorized and the value is used to perform the interaction.

Systems and methods for generation and use of biometric-based account numbers

Systems and methods for authentication of resource objects at a public portal. In some aspects, a system, in response to receiving a resource object, requests data including: (1) a flag indicating whether a resource object associated with the resource identifier present on the resource object is under control of the user or another user and (2) a last recorded time and location associated with the resource identifier being scanned at the public portal or another public portal. The system determines that the resource object is under control of the user or another user, and responsive to that determination, determines a threshold based on time elapsed between the last recorded time and the time the resource object was received. The system, in response to determining that a distance between the public portal and the last recorded location exceeds the threshold, generates a command to escalate the resource object for further processing.

Systems and methods for authentication of resource objects at a public portal

In some implementations, a physical medium for fingerprint-based PIN entry may include a fingerprint scanner, one or more memories that store fingerprint data and a PIN, and one or more processors. The physical medium may receive power from a terminal that is in communication with the physical medium. The physical medium may scan a fingerprint using the fingerprint scanner and the power received from the terminal. The physical medium may compare scanned fingerprint data, determined based on scanning the fingerprint, and the stored fingerprint data using the power received from the terminal. The physical medium may determine that the scanned fingerprint data sufficiently matches the stored fingerprint data based on comparing the scanned fingerprint data and the stored fingerprint data. The physical medium may transmit the PIN to the terminal based on determining that the scanned fingerprint data sufficiently matches the stored fingerprint data.

Fingerprint-based credential entry

In some implementations, a system may receive, from a terminal, an account identifier, an authentication credential, and a request for data associated with a user, wherein the request may identify requested data items associated with the account identifier. The system may authenticate the request using the account identifier and the authentication credential. The system may determine whether the request satisfies a pre-approval condition after authenticating the request. The system may transmit a first message to a user device associated with the user or transmit a second message to a third party device associated with the terminal based on whether the requested data items satisfy the pre-approval condition. The first message to the user device may request approval to transmit the requested data items to the third party device via the second message, and the second message may enable access to the requested data items.

Authentication of data sharing

In some implementations, a physical medium may include a fingerprint scanner, one or more memories that store fingerprint data and a PIN, and one or more processors. The physical medium may receive power from a terminal that is in communication with the physical medium. The physical medium may scan a fingerprint using the fingerprint scanner and the power received from the terminal. The physical medium may compare scanned fingerprint data, determined based on scanning the fingerprint, and the stored fingerprint data using the power received from the terminal. The physical medium may determine that the scanned fingerprint data sufficiently matches the stored fingerprint data based on comparing the scanned fingerprint data and the stored fingerprint data. The physical medium may transmit the PIN to the terminal based on determining that the scanned fingerprint data sufficiently matches the stored fingerprint data.

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Glen Allen, VA, United States of America

Robert Dwane Wokaty, Jr