Utilizing a transaction card to provide secondary authentication for accessing a secure application with a user device

Patent metadata

Field	Value
Publication number	US-10453054-B2
Application number	US-201815867233-A
Country	US
Kind code	B2
Filing date	Jan 10, 2018
Priority date	Jan 10, 2018
Publication date	Oct 22, 2019
Grant date	Oct 22, 2019

Abstract

A transaction card includes a near-field communication (NFC) component, a security component, a wireless component, one or more memories, and one or more processors communicatively coupled to the one or more memories. The device receives a signal from a user device attempting to access a secure application, and energizes the NFC component based on the signal received from the user device. The device causes the security component to generate an encrypted code based on the NFC component being energized, and provides, via the security component, the encrypted code to the wireless component. The device provides, via the wireless component, the encrypted code to the user device to permit the user device to utilize the encrypted code as authentication for accessing the secure application.

First claim

What is claimed is:

1. A transaction card, comprising:
a near-field communication (NFC) component;
a security component;
a wireless component;
a sensor component;
a capacitive component;
one or more memories; and
one or more processors communicatively coupled to the one or more memories,
one or more of the NFC component, the security component, the wireless component, or the one or more processors to:
receive a signal from a user device attempting to access a secure application stored on the user device;
detect a particular movement of the transaction card;
store, based on detecting the particular movement of the transaction card, energy from the user device in the capacitive component;
energize the NFC component using the energy stored in the capacitive component based on receiving the signal from the user device and based on detecting the particular movement of the transaction card;
cause the security component to generate an encrypted code based on the NFC component being energized;
provide, via the security component, the encrypted code to the wireless component; and
provide, via the wireless component, the encrypted code to the user device,
the user device being authenticated to access the secure application based on the encrypted code.

2. The transaction card of claim 1 , where:
the user device is associated with a user,
the user is associated with user credentials that provide a first authentication factor for accessing the secure application, and
the encrypted code provides a second authentication factor for accessing the secure application.

3. The transaction card of claim 1 , where one or more of the NFC component, the security component, the wireless component, the sensor component, the capacitive component, or the one or more processors are to:
detect, via the sensor component, performance of a gesture on the transaction card;
energize the NFC component based on detecting the performance of the gesture on the transaction card;
cause the security component to generate another encrypted code based on the NFC component being energized;
provide, via the security component, the other encrypted code to the wireless component; and
provide, via the wireless component, the other encrypted code to the user device to permit the user device to utilize the other encrypted code as authentication for accessing another secure application stored on the user device.

4. The transaction card of claim 1 , where the sensor component includes one or more of:
an accelerometer,
a photodetector,
a gyroscope,
a pressure sensor, or
an ultrasonic transceiver.

5. The transaction card of claim 1 , where the particular movement of the transaction card is in a particular pattern.

6. The transaction card of claim 1 , where the secure application is an application for accessing a bank account associated with a user of the user device.

7. The transaction card of claim 1 , where the wireless component is configured to communicate via a wireless local area network wireless technology standard or a wireless personal area network wireless technology standard.

8. A method, comprising:
receiving, by a transaction card, a signal from a user device,
the signal having been generated by the user device based on an attempt to utilize the user device to pay for a secure transaction, and
the transaction card including:
a near-field communication (NFC) component,
a security component,
a sensor component,
a capacitive component, and
a wireless component;

detecting, by the transaction card, a particular movement of the transaction card;
storing, by the capacitive component of the transaction card and based on detecting the particular movement of the transaction card, energy from the user device;
energizing, by the transaction card, the NFC component using the energy stored in the capacitive component based on receiving the signal from the user device and based on detecting the particular movement of the transaction card;
instructing, by the NFC component of the transaction card, the security component to generate an encrypted code based on the NFC component being energized;
generating, by the security component of the transaction card, the encrypted code based on the NFC component instructing the security component to generate the encrypted code;
providing, by the security component of the transaction card, the encrypted code to the wireless component; and
providing, by the wireless component of the transaction card, the encrypted code to the user device,
the user device being authenticated to pay for the secure transaction based on the encrypted code.

9. The method of claim 8 , where:
the user device is associated with a user,
the user is associated with user credentials that provide a first authentication factor associated with paying for the secure transaction, and
the encrypted code provides a second authentication factor associated with paying for the secure transaction.

10. The method of claim 8 , where the secure transaction includes a transaction associated with a point of sale device.

11. The method of claim 8 , where the secure transaction includes a transaction associated with accessing a bank account of a user associated with the user device.

12. The method of claim 8 , further comprising:
detecting, by the sensor component, performance of a gesture on the transaction card;
energizing, by the transaction card, the NFC component based on detecting the performance of the gesture on the transaction card;
causing the security component to generate another encrypted code based on the NFC component being energized;
providing, by the security component of the transaction card, the other encrypted code to the wireless component; and
providing, by the wireless component of the transaction card, the other encrypted code to the user device to permit the user device to utilize the other encrypted code as authentication for accessing a secure application.

13. The method of claim 8 , where the sensor component includes one or more of:
an accelerometer,
a photodetector,
a gyroscope,
a pressure sensor, or
an ultrasonic transceiver.

14. The method of claim 12 , where the particular movement of the transaction card is in a particular pattern.

15. A non-transitory computer-readable medium storing instructions, the instructions comprising:
one or more instructions that, when executed by one or more processors of a transaction card that includes a near-field communication (NFC) component, a wireless component, a security component, a capacitive component, and a sensor component, cause the one or more processors to:
detect, via the sensor component, a movement of the transaction card;
store, based on detecting a particular movement of the transaction card, energy from a user device in the capacitive component;
energize the NFC component using the energy stored in the capacitive component based on detecting the particular movement of the transaction card;
cause the security component to generate an encrypted code based on the NFC component being energized;
provide, via the security component, the encrypted code to the wireless component; and
provide, via the wireless component, the encrypted code to the user device,
the user device being authenticated to access a secure application, stored on the user device, based on the encrypted code.

16. The non-transitory computer-readable medium of claim 15 , where the sensor component includes one or more of:
an accelerometer,
a photodetector, or
a gyroscope.

17. T

Assignees

• Capital One Services Llc

Inventors

• ZARAKAS James
• Johnson Molly
• Perry Robert
• Koeppel Adam
• LOCKE Tyler

Classifications

• G06Q20/353

  Payments by cards read by M-devices · CPC title

• G06Q20/3226

  Use of secure elements separate from M-devices · CPC title

• G07F7/0833

  Card having specific functional components · CPC title

• G06Q40/02

  Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) · CPC title

• G06Q20/3674 Primary

  involving authentication · CPC title