US 12,141,804 B2
Dynamic transaction card protected by multi- factor authentication
Tyler Locke, Washington, DC (US); and Kevin P. Kelly, Austin, TX (US)
Assigned to CAPITAL ONE SERVICES, LLC, McLean, VA (US)
Filed by Capital One Services, LLC, McLean, VA (US)
Filed on Apr. 25, 2022, as Appl. No. 17/728,570.
Application 17/728,570 is a continuation of application No. 16/702,842, filed on Dec. 4, 2019, granted, now 11,315,114.
Application 16/702,842 is a continuation of application No. 15/661,493, filed on Jul. 27, 2017, granted, now 10,535,068, issued on Jan. 14, 2020.
Claims priority of provisional application 62/439,585, filed on Dec. 28, 2016.
Prior Publication US 2022/0335428 A1, Oct. 20, 2022
This patent is subject to a terminal disclaimer.
Int. Cl. G06Q 20/40 (2012.01); G06K 19/077 (2006.01); G06Q 20/38 (2012.01)
CPC G06Q 20/401 (2013.01) [G06K 19/07773 (2013.01); G06Q 20/3829 (2013.01)] 22 Claims
OG exemplary drawing
 
1. A transaction card comprising:
one or more antennas;
one or more processors;
a Europay-Visa-Mastercard (EMV) chip; and
a non-transitory memory in communication with the one or more processors and storing instructions that, when executed, cause the one or more processors to perform the steps of:
receiving, via the one or more antennas, an authentication request from a user device to authenticate a user of the user device, the user logged in to the user device using one or more log-in credentials;
generating, a first response to authenticate the user of the user device, the first response comprising a digital signature; and
transmitting, via the one or more antennas, the first response associated with the user to the user device, wherein the digital signature is used to authenticate the user.