Determining whether a user has possession of a transaction card and/or whether the user is authorized to possess the transaction card

Patent metadata

Field	Value
Publication number	US-11763587-B2
Application number	US-202117303905-A
Country	US
Kind code	B2
Filing date	Jun 10, 2021
Priority date	Feb 19, 2019
Publication date	Sep 19, 2023
Grant date	Sep 19, 2023

Abstract

A device receives a transaction request concerning a transaction and a transaction card from a transaction terminal, and determines, based on the transaction request, information concerning the transaction card. The device sends, based on the transaction request and to a user device, a query concerning possession of the transaction card by a user of the user device, where the query includes an instruction for the user to confirm possession of the transaction card via a component of the user device. The device receives, from the user device and after sending the query to the user device, a response concerning possession of the transaction card by the user, and determines, based on the response and the information concerning the transaction card, whether the user has possession of the transaction card. The device performs, based on determining whether the user has possession of the transaction card, at least one action.

First claim

What is claimed is:

1. A first device, comprising:
one or more memories; and
one or more processors, coupled to the one or more memories, configured to:
receive, from a second device, one or more queries associated with possession of a transaction card by a user of the first device;
automatically operate, in response to the one or more queries, one or more components of the first device,
wherein the one or more components comprises one or more of:
a camera of the first device, or
a near field communication (NFC) transceiver of the first device;

receive, based on operating the one or more components, at least one of:
an image of the transaction card from the camera, or
integrated circuit (IC) chip data associated with the transaction card via the NFC transceiver; and

provide, to the second device and based on receiving at least one of the image or the IC data, a response concerning the possession of the transaction card by the user.

2. The first device of claim 1 , wherein the one or more components further comprises at least one of:
a microphone,
a biometric sensor, or
a wireless transceiver.

3. The first device of claim 1 , wherein the one or more processors are further configured to:
receive identification data associated with an identification of the user.

4. The first device of claim 3 , wherein the identification data comprises at least one of:
audio data associated with the identification of the user,
image data associated with the identification of the user, or
biometric data associated with the identification of the user.

5. The first device of claim 1 , wherein a transaction associated with the transaction card is authorized based on the response concerning the possession of the transaction card by the user.

6. The first device of claim 1 , wherein a transaction associated with the transaction card is declined based on the response concerning the possession of the transaction card by the user.

7. The first device of claim 1 , wherein the transaction card is canceled based on the response concerning the possession of the transaction card by the user.

8. A non-transitory computer-readable medium storing a set of instructions, the set of instructions comprising:
one or more instructions that, when executed by one or more processors of a first device, cause the first device to:
receive, from a second device, one or more queries associated with possession of a transaction card by a user of the first device;
automatically operate, in response to the one or more queries, one or more components of the first device,
wherein the one or more components comprises one or more of:
a camera of the first device, or
a near field communication (NFC) transceiver of the first device;

receive, based on operating the one or more components, at least one of:
an image of the transaction card from the camera, or
integrated circuit (IC) chip data associated with the transaction card via the NFC transceiver; and

provide, to the second device and based on receiving at least one of the image or the IC data, a response concerning the possession of the transaction card by the user.

9. The non-transitory computer-readable medium of claim 8 , wherein the one or more components further comprises at least one of:
a microphone,
a biometric sensor, or
a wireless transceiver.

10. The non-transitory computer-readable medium of claim 8 , wherein the one or more instructions further cause the first device to:
receive identification data associated with an identification of the user.

11. The non-transitory computer-readable medium of claim 10 , wherein the identification data comprises at least one of:
audio data associated with the identification of the user,
image data associated with the identification of the user, or
biometric data associated with the identification of the user.

12. The non-transitory computer-readable medium of claim 8 , wherein a transaction associated with the transaction card is authorized based on the response concerning the possession of the transaction card by the user.

13. The non-transitory computer-readable medium of claim 8 , wherein a transaction associated with the transaction card is declined based on the response concerning the possession of the transaction card by the user.

14. The non-transitory computer-readable medium of claim 8 , wherein the transaction card is canceled based on the response concerning the possession of the transaction card by the user.

15. A method, comprising:
receiving, by a first device and from a second device, one or more queries associated with possession of a transaction card by a user of the first device;
automatically operating, by the first device in response to the one or more queries, one or more components of the first device,
wherein the one or more components comprises one or more of:
a camera of the first device, or
a near field communication (NFC) transceiver of the first device;

receiving, by the first device and based on operating the one or more components, at least one of:
an image of the transaction card from the camera, or
integrated circuit (IC) chip data associated with the transaction card via the NFC transceiver; and

providing, by the first device, to the second device, and based on receiving at least one of the image or the IC data, a response concerning the possession of the transaction card by the user.

16. The method of claim 15 , wherein the one or more components further comprises at least one of:
a microphone,
a biometric sensor, or
a wireless transceiver.

17. The method of claim 15 , wherein the method further comprises:
receiving identification data associated with an identification of the user.

18. The method of claim 17 , wherein the identification data comprises at least one of:
audio data associated with the identification of the user,
image data associated with the identification of the user, or
biometric data associated with the identification of the user.

19. The method of claim 15 , wherein a transaction associated with the transaction card is authorized based on the response concerning the possession of the transaction card by the user.

20. The method of claim 15 , wherein a transaction associated with the transaction card is declined based on the response concerning the possession of the transaction card by the user.

Assignees

• Capital One Services Llc

Inventors

• Perezleon Francisco
• Johnson Molly
• Hart Colin
• Newman Kaitlin
• Wu Angelina
• Ji Jason
• Edwards Joshua

Classifications

• G06V30/416 Primary

  Extracting the logical structure, e.g. chapters, sections or page numbers; Identifying elements of the document, e.g. authors · CPC title

• G06Q20/341

  Active cards, i.e. cards including their own processing means, e.g. including an IC or chip · CPC title

• G06Q20/4093

  Monitoring of device authentication · CPC title

• G06Q20/425

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

• G06Q20/3278

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