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:
Mar. 31, 2026
Filed:
Mar. 10, 2023
Capital One Services, Llc, McLean, VA (US);
Katherine Mchugh, Richmond, VA (US);
Lesley Newton, Richmond, VA (US);
Patrick Zearfoss, Leesburg, VA (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
Systems and methods for authenticating a user using a contactless card as one authentication factor for multiple factor authentication are provided. In an exemplary embodiment, a server receives a first request of authenticating a user using a first authentication factor, authenticates the user using the first authentication factor, and receives a second request of authenticating the user using a contactless card as a second authentication factor. The server receives a cryptogram of the contactless card, validates the cryptogram, decrypts the cryptogram, and extracts a unique customer identifier of the contactless card. The server verifies the unique customer identifier, authenticates the user using the unique customer identifier, and transmits an authentication result of authenticating the user using the contactless card as the second authentication factor.