US 12,067,568 B2
Authentication of contactless transactions
Kevin Osborn, Newton Highlands, MA (US); and Michael Wolf, Ellicott City, MD (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Aug. 16, 2022, as Appl. No. 17/888,830.
Prior Publication US 2024/0062206 A1, Feb. 22, 2024
Int. Cl. G06Q 20/40 (2012.01); G06Q 20/34 (2012.01); H04W 4/80 (2018.01)
CPC G06Q 20/40145 (2013.01) [G06Q 20/341 (2013.01); G06Q 20/352 (2013.01); H04W 4/80 (2018.02)] 19 Claims
OG exemplary drawing
 
1. A system, comprising:
a processor coupled to a memory that includes instructions that, when executed by the processor, cause the processor to:
register a chip-embedded card that includes first identity data of an individual;
request, during a contactless transaction, second identity data regarding the individual from a computing device, wherein the second identity data comprises at least one of biometric data, a timestamp, or geolocation of the computing device;
read from the chip-embedded card the first identity data comprising at least one of biometric data, timestamp, or geolocation data of the chip-embedded card;
compare the first identity data and the second identity data; and
authenticate an identity of the individual for the contactless transaction based on a result of the compare when a match exists between the first identity data and the second identity data
wherein geolocation data comprises proximity data determined by short-range wireless technology triangulation or fencing.