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:
Apr. 14, 2026
Filed:
Apr. 04, 2022
Capital One Services, Llc, McLean, VA (US);
Jeffrey Rule, Chevy Chase, MD (US);
Jackson Macomber, Henrico, VA (US);
Lawrence Douglas, McLean, VA (US);
Bob Uni Koshy, Henrico, VA (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
Systems and methods are disclosed herein for real-time digital authentication. According to some embodiments, receiving a hashed user credential from the third party entity, performing a matching operation between the received hashed user credential and a stored hashed credential stored in the non-transitory memory, the received hashed user credential and the stored hashed credential being hashed using the same hashing algorithm, and in response to detecting a match between the received hashed user credential and the stored hashed user credential, performing a user eligibility operation associated with the first transaction. The authentication method may further include in response to determining that the user is eligible for the first transaction, generating an authentication challenge to the user, in response to the user successfully completing the authentication challenge, retrieving payment credentials of the user and authenticating the user, and authorizing a checkout operation associated with the first transaction.