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:
Feb. 24, 2023
Capital One Services, Llc, McLean, VA (US);
Kevin Osborn, Newton Highlands, MA (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
The disclosed system and method is directed to improving operational security associated with One-Time Password (OTP) authentication card. The proposed solution involves incorporating a user-provided data value, such as a Personal Identification Number (PIN) and/or a password, into the cryptographic process flow for the generation of the Message Authentication Code (MAC) associated with a OTP authentication cryptogram. A key operational aspect corresponds to the scrambling of a unique card-stored data such as a shared secret value, with run-time data externally provided by the user. In this way, the proposed system and method incorporates two factors of identification, associated with card-stored and user-known data elements, into an OTP card authentication cryptogram.