Authentication of a physical credential

Patent metadata

Field	Value
Publication number	US-11853408-B2
Application number	US-202218087053-A
Country	US
Kind code	B2
Filing date	Dec 22, 2022
Priority date	Oct 18, 2019
Publication date	Dec 26, 2023
Grant date	Dec 26, 2023

Abstract

Aspects described herein may provide detection of a physical characteristic of a credential, thereby allowing for authentication of the credential. According to some aspects, these and other benefits may be achieved by detecting the physical characteristic with the credential. An image of a credential may be received. An optical characteristic of a secure feature of the credential may be determined. An expected optical characteristic of the secure feature may be determined based on known properties of the secure feature. A determination as to whether the credential is authentic may be based on a comparison of the determined optical characteristic of the secure feature to the expected optical characteristic of the secure feature.

First claim

The invention claimed is:

1. A computer-implemented method comprising:
receiving, by a computing device, an indication of a transaction associated with a physical card;
receiving, based on the indication of the transaction and via one or more cameras of the computing device, one or more images depicting the physical card;
determining a type of the physical card by processing the one or more images depicting the physical card to identify one or more physical features of the physical card;
determining, based on the type of the physical card, an expected optical characteristic of at least a portion of the physical card;
determining, based on the one or more images, an actual optical characteristic of the at least the portion of the physical card;
determining whether the physical card is authentic by comparing the actual optical characteristic of the at least the portion of the physical card to the expected optical characteristic of at least a portion of the physical card; and
transmitting, based on whether the physical card is authentic, an indication of whether the transaction should be approved.

2. The method of claim 1 , wherein the one or more physical features of the physical card comprise one or more of:
a hologram on the physical card; or
a logo on the physical card.

3. The method of claim 1 , wherein the expected optical characteristic of the at least the portion of the physical card comprises a first reflectivity of the physical card, wherein the actual optical characteristic of the at least the portion of the physical card comprises a second reflectivity of the physical card, and wherein comparing the actual optical characteristic of the at least the portion of the physical card to the expected optical characteristic of at least a portion of the physical card comprises comparing the first reflectivity and the second reflectivity.

4. The method of claim 1 , wherein comparing the actual optical characteristic of the at least the portion of the physical card to the expected optical characteristic of at least a portion of the physical card comprises:
comparing the one or more images depicting the physical card to one or more stored image of one or more different types of physical cards.

5. The method of claim 1 , wherein the computing device is a point of sale device.

6. The method of claim 1 , wherein receiving the one or more images depicting the physical card comprises causing activation of a light source of the computing device, and wherein determining the actual optical characteristic of the at least the portion of the physical card comprises determining light reflected from the physical card.

7. The method of claim 1 , wherein comparing the actual optical characteristic of the at least the portion of the physical card to the expected optical characteristic of at least a portion of the physical card comprises:
determining, based on the one or more images, one or more of:
a shape of the physical card,
a size of the physical card, or
a thickness of the physical card.

8. A computing device comprising:
one or more processors; and
memory storing instructions that, when executed by the one or more processors, cause the computing device to:
receive an indication of a transaction associated with a physical card;
receive, based on the indication of the transaction and via one or more cameras of the computing device, one or more images depicting the physical card;
determine a type of the physical card by processing the one or more images depicting the physical card to identify one or more physical features of the physical card;
determine, based on the type of the physical card, an expected optical characteristic of at least a portion of the physical card;
determine, based on the one or more images, an actual optical characteristic of the at least the portion of the physical card;
determine whether the physical card is authentic by comparing the actual optical characteristic of the at least the portion of the physical card to the expected optical characteristic of at least a portion of the physical card; and
transmit, based on whether the physical card is authentic, an indication of whether the transaction should be approved.

9. The computing device of claim 8 , wherein the one or more physical features of the physical card comprise one or more of:
a hologram on the physical card; or
a logo on the physical card.

10. The computing device of claim 8 , wherein the expected optical characteristic of the at least the portion of the physical card comprises a first reflectivity of the physical card, wherein the actual optical characteristic of the at least the portion of the physical card comprises a second reflectivity of the physical card, and wherein the instructions, when executed by the one or more processors, cause the computing device to compare the actual optical characteristic of the at least the portion of the physical card to the expected optical characteristic of at least a portion of the physical card by causing the computing device to compare the first reflectivity and the second reflectivity.

11. The computing device of claim 8 , wherein the instructions, when executed by the one or more processors, cause the computing device to compare the actual optical characteristic of the at least the portion of the physical card to the expected optical characteristic of at least a portion of the physical card by causing the computing device to:
compare the one or more images depicting the physical card to one or more stored image of one or more different types of physical cards.

12. The computing device of claim 8 , wherein the computing device is a point of sale device.

13. The computing device of claim 8 , wherein the instructions, when executed by the one or more processors, cause the computing device to receive the one or more images depicting the physical card by causing the computing device to cause activation of a light source of the computing device, and wherein the instructions, when executed by the one or more processors, cause the computing device to determine the actual optical characteristic of the at least the portion of the physical card by causing the computing device to determine light reflected from the physical card.

14. The computing device of claim 8 , wherein the instructions, when executed by the one or more processors, cause the computing device to compare the actual optical characteristic of the at least the portion of the physical card to the expected optical characteristic of at least a portion of the physical card by causing the computing device to:
determine, based on the one or more images, one or more of:
a shape of the physical card,
a size of the physical card, or
a thickness of the physical card.

15. One or more non-transitory computer-readable media storing instructions that, when executed by one or more processors of a computing device, cause the computing device to:
receive an indication of a transaction associated with a physical card;
receive, based on the indication of the transaction and via one or more cameras of the computing device, one or more images depicting the physical card;
determine a type of the physical card by processing the one or more images depicting the physical card to identify one or more physical features of the physical card;
determine, based on the type of the physical card, an expected optical characteristic of at least a portion of the physical card;
determine, based on the one or more images, an actual optical characteristic of the at least the portion of the physical card;
determine whether the physical card

Assignees

• Capital One Services Llc

Inventors

• Johnson Clayton
• Tesser Daniel
• De La Rosa Luis
• Wieker Jeffrey

Classifications

• G06F21/36 Primary

  by graphic or iconic representation · CPC title

• B42D25/23

  Identity cards · CPC title

• B42D25/309

  Photographs · CPC title

• B42D25/333

  Watermarks · CPC title

• G06V10/22

  by selection of a specific region containing or referencing a pattern; Locating or processing of specific regions to guide the detection or recognition · CPC title