Systems and methods for contactless and secure data transfer

Patent metadata

Field	Value
Publication number	US-11200560-B2
Application number	US-201514973167-A
Country	US
Kind code	B2
Filing date	Dec 17, 2015
Priority date	Dec 19, 2014
Publication date	Dec 14, 2021
Grant date	Dec 14, 2021

Abstract

In one embodiment, a method comprises receiving a unique identifier from an item and sending a communication to an electronic device requesting that a user confirm a pending transaction, receiving input from the electronic device associated, and sending the received input to an authentication system for completing a transaction. In another embodiment, a system comprises a sensor, an authentication system, and a transaction processing system. The sensor is configured to emit energy and receive at least one first identifier, send at least one communication to an electronic device requesting a second identifier, receive at least one second identifier, and send the at least one first identifier and the at least one second identifier to the authentication system. The authentication system is configured to receive the at least one first and second identifiers from the sensor, to choose, based on the at least one first identifier and the at least one second identifier, a transaction processing system, and send the at least one first and second identifiers to the chosen transaction processing system.

First claim

The invention claimed is:

1. A computer-implemented method, comprising:
receiving, by a wireless component, a first unique identifier from a first item associated with a first user and a second unique identifier from a second item associated with a second user;
detecting, by the wireless component, that the first item is within a predetermined distance from the second item in a physical space;
in response to detecting that the first item is within the predetermined distance from the second item, sending, by the wireless component, a communication to a first electronic device associated with the first user, the communication requesting that the first user confirm a pending transaction between the first user and the second user;
receiving, by the wireless component, input from the first electronic device, the received input comprising a user profile associated with the first user; and
sending, by the wireless component, the received input to an authentication system for completing a transaction, the user profile being sufficient for identification of the first user by the authentication system, based on the first unique identifier and the received input.

2. The method of claim 1 , wherein:
the first item is unpowered; and
receiving the first identifier comprises:
emitting energy from the wireless component sufficient to detect existence of one or more of the first or second items; and
receiving the first identifier after emitting the energy.

3. The method of claim 2 , wherein the first item comprises at least one of a ring, a piece of jewelry, a card, or a wearable item.

4. The method of claim 1 , wherein the first unique identifier comprises at least one of a private key or a public key.

5. The method of claim 1 , wherein the wireless component is operable to receive the first unique identifier via at least one of electric field communication, magnetic field communication, Near Field Communication, RFID, 802.11 wireless, or Bluetooth.

6. The method of claim 1 , wherein the received input is one of a password, a PIN, or biometric data.

7. A wireless component, comprising:
a hardware device for emitting energy;
a storage device comprising instructions; and
a processor configured to execute the instructions to:
receive a first unique identifier from a first item associated with a first user and a second unique identifier from a second item associated with a second user;
detect that the first item is within a predetermined distance from the second item in a physical space;
in response to detecting that the first item is within the predetermined distance from the second item, send a communication to a first electronic device associated with the first user, the communication requesting that the first user confirm a pending transaction between the first user and the second user;
receive input from the electronic device; and
send the received input to an authentication system for completing a transaction, the first unique identifier and the input being sufficient to identify, by the authentication system, a user profile associated with the first user.

8. The wireless component of claim 7 , wherein:
the item associated with the user comprises an unpowered item; and
receiving the identifier comprises:
emitting, by the hardware device, energy sufficient to detect existence of one or more of the first or second items; and
receiving the first unique identifier in response to emitting the energy.

9. The wireless component of claim 8 , wherein the first item associated with the first user comprises at least one of a ring, a piece of jewelry, a card, or a wearable item.

10. The wireless component of claim 7 , wherein the first unique identifier comprises at least one of a private key or a public key.

11. The wireless component of claim 7 , wherein the wireless component is operable to receive the first unique identifier via at least one of electric field communication, magnetic field communication, Near Field Communication, RFID, 802.11 wireless, or Bluetooth.

12. The wireless component of claim 7 , wherein the received input is one of a password, a PIN, or biometric data.

13. A system, comprising:
a wireless component;
an authentication system; and
at least one transaction processing system;
wherein the wireless component comprises:
a hardware device for emitting energy;
a first storage device comprising instructions; and
a first processor configured to execute the instructions to:
cause the hardware device to emit energy;
receive a first unique identifier emitted by a first item associated with a first user and a second unique identifier emitted by a second item associated with a second user;
detect that the first item is within a predetermined distance from the second item in a physical space;
in response to detecting that the first item is within the predetermined distance from the second item, send at least one communication to at least one electronic device associated with the first user requesting that the first user confirm a pending transaction between the first user and the second user;
receive input from the electronic device associated with the first user; and
send the received input to the authentication system using a network; and

wherein the authentication system comprises:
a second storage device comprising instructions,
a second processor configured to execute the instructions to:
receive the first unique identifier and the input from the wireless component;
identify a user profile associated with the first user based on the first unique identifier and the input; and
send information associated with the user profile to one of the at least one transaction processing system.

14. The system of claim 13 , wherein the at least one transaction processing system is one of a payment service system or a merchant system.

15. The system of claim 13 , wherein the wireless component is operable to receive the unique identifier via at least one of electric field communication, magnetic field communication, Near Field Communication, RFID, 802.11 wireless, or Bluetooth.

16. The system of claim 13 , wherein the first unique identifier comprises a public identifier.

17. The system of claim 16 , wherein:
the user profile is encrypted using the public identifier; and
the user profile comprises payment information.

18. The system of claim 13 , wherein the item is at least one of a ring, a piece of jewelry, a card, or a wearable item.

Assignees

• Capital One Services Llc

Inventors

• Stern Matthew
• Deperro Jason
• Makoski Dan

Classifications

• G06Q20/4015

  using location information · CPC title

• G06Q20/425

  using two different networks, one for transaction and one for security confirmation · CPC title

• G06Q20/3278 Primary

  RFID or NFC payments by means of M-devices · CPC title

• G06Q20/401

  Transaction verification · CPC title