Authentication of a physical credential

Patent metadata

Field	Value
Publication number	US-12596781-B2
Application number	US-202519020256-A
Country	US
Kind code	B2
Filing date	Jan 14, 2025
Priority date	Oct 18, 2019
Publication date	Apr 7, 2026
Grant date	Apr 7, 2026

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

What is claimed is:

1 . A computer-implemented method comprising:
receiving, by a computing device, one or more images depicting a credential; determining, based on one or more physical features of the credential, an expected physical characteristic of at least a portion of the credential; determining, based on the one or more images, an actual physical characteristic of the at least the portion of the credential; determining whether the credential is authentic by comparing the actual physical characteristic of the at least the portion of the credential to the expected physical characteristic of at least a portion of the credential, wherein the comparing the actual physical characteristic of the at least the portion of the credential to the expected physical characteristic of the at least the portion of the credential comprises comparing the one or more images depicting the credential to one or more stored image of one or more different types of credentials; and transmitting, based on whether the credential is authentic, an indication of whether a transaction should be approved.

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

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

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

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

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

7 . The method of claim 1 , wherein the credential is a 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 one or more images depicting a credential;
determine, based on one or more physical features of the credential, an expected physical characteristic of at least a portion of the credential;
determine, based on the one or more images, an actual physical characteristic of the at least the portion of the credential;
determine whether the credential is authentic by comparing the actual physical characteristic of the at least the portion of the credential to the expected physical characteristic of at least a portion of the credential, wherein the comparing the actual physical characteristic of the at least the portion of the credential to the expected physical characteristic of the at least the portion of the credential comprises comparing the one or more images depicting the credential to one or more stored image of one or more different types of credentials; and
transmit, based on whether the credential is authentic, an indication of whether a transaction should be approved.

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

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

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

12 . 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 credential 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 physical characteristic of the at least the portion of the credential by causing the computing device to determine light reflected from the credential.

13 . 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 physical characteristic of the at least the portion of the credential to the expected physical characteristic of at least a portion of the credential by causing the computing device to:
determine, based on the one or more images, one or more of:
a shape of the credential,
a size of the credential, or
a thickness of the credential.

14 . The computing device of claim 8 , wherein the credential is a physical card.

15 . A method comprising:
receiving, by a computing device, one or more images depicting a credential; determining, based on one or more physical features of the credential, an expected optical characteristic of at least a portion of the credential; determining, based on the one or more images, an actual optical characteristic of the at least the portion of the credential; determining whether the credential is authentic based on the expected optical characteristic and the actual optical characteristic by:
determining light reflected from the credential; and
comparing based on the light reflected by the credential, the one or more images depicting the credential to one or more stored image of one or more different types of credentials; and
transmitting an indication of whether the credential is authentic.

16 . The method of claim 15 , wherein the credential is a physical card, and 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.

17 . The method of claim 15 , wherein the comparing the one or more images depicting the credential to one or more stored image of one or more different types of credentials comprises comparing a first reflectivity of the credential and a second reflectivity of the credential.

18 . The method of claim 15 , wherein the computing device is a point of sale device.

19 . The method of claim 15 , wherein the credential is a first type of identification card, and wherein the determining the

Assignees

• Capital One Services Llc

Inventors

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

Classifications

• 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

• G06V10/60

  relating to illumination properties, e.g. using a reflectance or lighting model · CPC title

• G06V10/751

  Comparing pixel values or logical combinations thereof, or feature values having positional relevance, e.g. template matching · CPC title

• G06V30/40

  Document-oriented image-based pattern recognition · CPC title

• B42D25/333

  Watermarks · CPC title