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

Patent metadata

Field	Value
Publication number	US-11893576-B2
Application number	US-202217667709-A
Country	US
Kind code	B2
Filing date	Feb 9, 2022
Priority date	Jan 10, 2018
Publication date	Feb 6, 2024
Grant date	Feb 6, 2024

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:
one or more hardware components configured to:
detect a gesture with the transaction card;
store, based on detecting the gesture with the transaction card, energy from a first device;
energize a near-field communication (NFC) component of the transaction card using the stored energy based on detecting the gesture of the transaction card;
generate an encrypted code based on the NFC component being energized; and
provide the encrypted code to the first device,
the encrypted code being provided to a second device, via the first device, for verification.

2. The transaction card of claim 1 , wherein the encrypted code is associated with two factor authentication.

3. The transaction card of claim 1 , wherein a sensor component, of the one or more hardware components, is configured to:
detect the gesture with the transaction card.

4. The transaction card of claim 1 , wherein a sensor component, of the one or more hardware components, is configured to:
provide an instruction, to the NFC component, that causes the NFC component to be energized.

5. The transaction card of claim 4 , wherein the NFC component is configured to:
automatically generate an instruction for a security component, of the one or more hardware components, based on receiving the instruction from the sensor component and being energized.

6. The transaction card of claim 1 , wherein the NFC component is configured to:
automatically instruct a security component, of the one or more hardware components, to generate the encrypted code based on being energized.

7. The transaction card of claim 1 , wherein a capacitive component, of the one or more hardware components, is configured to:
energize the NFC component using the stored energy.

8. The transaction card of claim 1 , wherein a security component, of the one or more hardware components, is configured to:
generate the encrypted code.

9. The transaction card of claim 1 , wherein the gesture with the transaction card comprises at least one of:
a movement of the transaction card,
a movement of the transaction card in a particular pattern,
a tapping of the transaction card on the first device,
a tapping of the transaction card on a surface,
a flipping of the transaction card,
a finger tapping on the transaction card,
a finger movement on the transaction card,
a finger movement in a particular pattern on the transaction card,
a motioning of a finger or a hand over the transaction card, or
a motioning of a finger or a hand over the transaction card in a particular manner.

10. A method, comprising:
sensing, by a transaction card, a gesture with the transaction card;
storing, based on sensing the gesture with the transaction card, energy from a first device;
energizing, by the transaction card, a near-field communication (NFC) component of the transaction card using the stored energy based on sensing the gesture of the transaction card;
generating, by the transaction card, an encrypted code based on the NFC component being energized; and
providing, by the transaction card, the encrypted code to the first device,
the encrypted code being provided to a second device, via the first device, for verification.

11. The method of claim 10 , wherein the encrypted code is associated with two factor authentication.

12. The method of claim 10 , wherein generating the encrypted code based on the NFC component being energized comprises:
generating an instruction for a security component, of the transaction card, to generate the encrypted code based on the NFC component being energized; and
generating, by the security component, the encrypted code based on receiving the instruction.

13. The method of claim 10 , wherein generating the encrypted code based on the NFC component being energized comprises:
automatically instructing a security component, of the transaction card, to generate the encrypted code based on the NFC component being energized.

14. The method of claim 10 , wherein sensing the gesture with the transaction card comprises:
sensing one or more of:
a movement of the transaction card,
a movement of the transaction card in a particular pattern,
a tapping of the transaction card on the first device,
a tapping of the transaction card on a surface,
a flipping of the transaction card,
a finger tapping on the transaction card,
a finger movement on the transaction card,
a finger movement in a particular pattern on the transaction card,
a motioning of a finger or a hand over the transaction card, or
a motioning of a finger or a hand over the transaction card in a particular manner.

15. The method of claim 10 , further comprising:
receiving a signal from the first device; and
wherein energizing the NFC component comprises:
energizing the NFC component based on receiving the signal from the first device.

16. 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 hardware components of a transaction card, cause the transaction card to:
sense a gesture with the transaction card;
store, based on sensing the gesture with the transaction card, energy from a first device;
energize a near-field communication (NFC) component of the transaction card using the stored energy based on sensing the gesture of the transaction card;
generate an encrypted code based on the NFC component being energized; and
provide the encrypted code to the first device,
the encrypted code being provided to a second device, via the first device, for verification.

17. The non-transitory computer-readable medium of claim 16 , wherein the encrypted code is associated with two factor authentication.

18. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions, that cause the transaction card to generate the encrypted code based on the NFC component being energized, cause the transaction card to:
generate an instruction for a security component, of the transaction card, to generate the encrypted code based on the NFC component being energized; and
generate the encrypted code based on the instruction.

19. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions, that cause the transaction card to generate the encrypted code based on the NFC component being energized, cause the transaction card to:
automatically instruct a security component, of the transaction card, to generate the encrypted code based on the NFC component being energized.

20. The non-transitory computer-readable medium of claim 16 , wherein the one or more instructions, that cause the transaction card to sense the gesture with the transaction card, cause the transaction card to:
sense one or more of:
a movement of the transaction card,
a movement of the transaction card in a particular pattern,
a tapping of the transaction card on the first device,
a tapping of the transaction card on a surface,
a flipping of the transaction card,
a finger tapping on the transaction card,
a finger movement on the transaction card,
a finger movement in a particular pattern on the transaction card,
a motioning of a finger or a hand over the transaction card, or
a motioning of a finger or a hand over the transaction card in a particular manner.

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• G06Q20/409

  Device specific authentication in transaction processing · CPC title

• G06Q20/385

  using an alias or single-use codes · CPC title

• H04L9/3234

  involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token (network architectures or network communication protocols for supporting authentication of entities using an additional device in a packet data network H04L63/0853) · CPC title

• H04L9/3226

  using a predetermined code, e.g. password, passphrase or PIN (network architectures or network communication protocols for supporting authentication of entities using passwords in a packet data network H04L63/083) · CPC title

• H04L2209/805

  Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor · CPC title