Capital One Services, LLC

Capital Ooe Services, LLC

Vincent Ngo

Lukiih Cuan

Dakyung Song

Kevin Grant Osborn

Samuel Edwards

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.

Systems and methods for transaction card-based authentication

In some embodiments, an exemplary method may include receiving by a computing device of a user, first facial image data of the user for identity verification from an authorizing entity for authorizing user operations in computing systems managed by a plurality of entities. Second facial image data of the user is obtained using an imaging device of the computing device at a predefined location of a particular entity from the plurality of entities for authenticating the user. A unique authorization identifier is displayed of the computing device of the user. A location of the computing device and a timestamp when a computing terminal of the particular entity scans the unique authorization identifier on the computing device of the authenticated user and an authorization request is relayed to the authorizing entity. An approval is received based on verification of the unique authorization identifier generated for the particular entity, the location of the computing device, and the timestamp.

Computing systems utilizing generated unique authorization identifiers for authorizing user operations and methods of use thereof

Gift givers typically find the process of selecting a personalized gift for a gift recipient to be time consuming with a low likelihood that the selected gift will be positively received by the recipient. The present disclosure describes analyzing a gift recipient's transaction history using machine learning techniques. Based on the analysis, one or more gift recommendations are provided to the gift giver. The one or more gift recommendations may comprise links to purchase products associated with the one or more gift recommendations. Additionally or alternatively, the one or more gift recommendations may comprise information about where the product may be purchased. This may improve the overall accuracy of the gift giving process, while reducing the stress surrounding gift giving. Additionally, the commercial opportunities of businesses may be expanded by partnering with sites that host the analysis.

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McLean, VA, United States of America

Vincent Ngo