The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Jan. 06, 2026
Filed:
Jan. 09, 2024
Capital One Services, Llc, McLean, VA (US);
Kelly Jo Brown, Rockville, MD (US);
Emily Wallar, Woodbridge, VA (US);
Kevin Osborn, Newton Highlands, MA (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
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.