MUMBAI, India, Sept. 12 -- Intellectual Property India has published a patent application (202517080334 A) filed by Capital One Services Llc, McLean, U.S.A., on Aug. 25, for 'system and method for dynamic integration of user-provided data with one-time-password authentication cryptogram.'
Inventor(s) include Osborn, Kevin.
The application for the patent was published on Sept. 12, under issue no. 37/2025.
According to the abstract released by the Intellectual Property India: "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."
The patent application was internationally filed on Feb. 15, 2024, under International application No.PCT/US2024/015945.
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