US 12,380,421 B2
Enhanced credential security based on a usage status of a wearable device
Joshua Edwards, Philadelphia, PA (US); Michael Mossoba, Great Falls, VA (US); and Sarvani Kare, Clarksville, MD (US)
Assigned to Capital One Services, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Apr. 21, 2022, as Appl. No. 17/660,131.
Prior Publication US 2023/0342748 A1, Oct. 26, 2023
Int. Cl. G06Q 20/30 (2012.01); G06Q 20/32 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/321 (2020.05) [G06Q 20/40145 (2013.01)] 20 Claims
OG exemplary drawing
 
1. A wearable device for enhanced credential security based on a usage status of the wearable device, the wearable device comprising:
one or more sensors;
one or more memories; and
one or more processors, coupled to the one or more memories, configured to:
receive an indication of a temporary credential associated with an account of a user that is associated with the wearable device, wherein receiving the indication of the temporary credential enables the wearable device to provide the temporary credential to a terminal to initiate an exchange associated with the account, and wherein the wearable device is configured to provide the temporary credential to the terminal based on detecting that the wearable device is within a communicative proximity of the terminal;
monitor, via the one or more sensors, the usage status of the wearable device, wherein the usage status indicates whether the wearable device is being worn by the user;
detect, via the one or more sensors and based on monitoring the usage status, that the wearable device has been removed from the user;
receive, from an account management device associated with the account and within a threshold amount of time of detecting that the wearable device has been removed from the user, a request for an update of the usage status of the wearable device;
transmit, to the account management device associated with the account in response to the request for the update and based on a determination that the wearable device has been removed from the user for less than the threshold amount of time, an indication that the wearable device is being worn by the user;
store, via a payment application executing on the wearable device, the temporary credential in accordance with the indication that the wearable device is being worn by the user; and
remove the temporary credential from a storage associated with the payment application according to one or more restrictions associated with the temporary credential, the one or more restrictions including a temporal restriction indicating an expiration time at which the temporary credential expires irrespective of whether the wearable device is being worn by the user.