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:
Oct. 20, 2026
Filed:
Jun. 11, 2025
Capital One Services, Llc, McLean, VA (US);
Jeffrey Rule, Chevy Chase, MD (US);
Srinivasa Chigurupati, Long Grove, IL (US);
Kevin Osborn, Newton Highlands, MA (US);
Capital One Services, LLC, McLean, VA (US);
Abstract
For multifactor authentication, a transaction device can receive encrypted data from a contactless card within a communication range of a short-range communication antenna, communicate the encrypted data to an authenticating device, solicit a user PIN in response to authentication of the encrypted data by the authenticating device, receive an input PIN, communicate the input PIN to a separate device storing a record PIN for the contactless card, and authorize a transaction initiated in connection with the contactless card in response to matching of the input PIN with the record PIN by the separate device. The input PIN can be received from the contactless card itself or a user interface, and the separate device can include the authenticating device or the contactless card itself. In different embodiments, the input PIN or the record PIN can include an EMV PIN stored in an EMV applet on the contactless card.
Data source: USPTO (United States Patent and Trademark Office) public patent records. Weekly synchronization. How IDiyas builds this profile