MUMBAI, India, Oct. 31 -- Intellectual Property India has published a patent application (202517093566 A) filed by Capital One Services Llc, McLean, U.S.A., on Sept. 29, for 'systems and methods using a contactless card as one authentication factor for multiple factor authentication.'
Inventor(s) include Mchugh, Katherine; Newton, Lesley; and Zearfoss, Patrick.
The application for the patent was published on Oct. 31, under issue no. 44/2025.
According to the abstract released by the Intellectual Property India: "A method comprises: receiving, by a server from a first device, a first request of authenticating a user using a first authentication factor; authenticating, by the server, the user using the first authentication factor; receiving, by the server from the first device, a second request of authenticating the user using a contactless card as a second authentication factor; receiving, by the server from the user device, a cryptogram of the contactless card; validating, by the server, the cryptogram; decrypting, by the server, the cryptogram; extracting, by the server, from the decrypted cryptogram a unique customer identifier of the contactless card; verifying, by the server, the unique customer identifier; authenticating, by the server, the user using the unique customer identifier; and transmitting, by the sever to the first device, an authentication result of authenticating the user using the contactless card as the second authentication factor."
The patent application was internationally filed on Mar. 08, 2024, under International application No.PCT/US2024/019093.
Disclaimer: Curated by HT Syndication.
