Authenticating a card based on card movement

Patent metadata

Field	Value
Publication number	US-2023419324-A1
Application number	US-202217847771-A
Country	US
Kind code	A1
Filing date	Jun 23, 2022
Priority date	Jun 23, 2022
Publication date	Dec 28, 2023
Grant date	—

Abstract

Disclosed embodiments concern user authentication and detecting fraud at a card reader before an unauthorized transaction occurs based on card movement. A sensor can capture the movement of a card within proximity of a card reader that captures financial data from a card issued to a user. Card movement can correspond to the card's speed, acceleration, or motion during physical presentation of the card to the card reader. Card movement data associated with the card movement can be captured and compared to pre-stored data associated with an owner of the card to create a comparison result. A card user can be authenticated when the comparison result satisfies a predetermined threshold. Authorization of a transaction can then be performed based on an authenticated identity of the card user.

First claim

What is claimed is:

1 . A method, comprising:
sensing card movement associated with a motion of a card moving within a proximity of a card reader device, wherein the card is employed in a financial transaction; capturing, from a sensor, card movement data associated with the card movement; comparing the captured card movement data to pre-stored data associated with an owner of the card to create a comparison result; and authenticating a user of the card as the owner of the card when the comparison result satisfies a predetermined threshold.

2 . The method of claim 1 , further comprising:
sensing whether the card is physically touching the card reader device; and factoring a physical contact of the card to the card reader device into the authenticating.

3 . The method of claim 1 , further comprising determining, using a Fourier transform, whether the card movement data matches pre-stored data associated with the owner of the card.

4 . The method of claim 1 , further comprising sensing the card movement data using a sensor embedded within the card.

5 . The method of claim 1 , further comprising sensing the card movement data using an accelerometer sensor embedded within the card.

6 . The method of claim 1 , further comprising:
detecting physical presence of the card at the card reader device; setting a card present flag in the card movement data that represents the physical presence of the card at the card reader device; and factoring the card present flag into the authenticating.

7 . The method of claim 1 , further comprising capturing a back and forth waving motion of the card.

8 . The method of claim 1 , further comprising determining whether the card movement data matches the pre-stored data with a machine learning model.

9 . The method of claim 1 , further comprising determining whether the card movement data matches the pre-stored data with edge computing on an internet-of-things (IoT) device.

10 . The method of claim 1 , further comprising sensing the card movement data using a 9-axis sensor embedded within the card.

11 . The method of claim 1 , further comprising altering the predetermined threshold for the comparison result in response to a type, amount, or timing of the financial transaction.

12 . A system comprising:
a card reader that captures financial account information from a card issued to a user; a sensor that captures movement data associated with a card movement gait of the card in relation to the card reader; a correlator that compares the card movement gait to a known card gait data unique to the user to create a comparison result; and an authenticator that validates the user based on the comparison result of the card movement gait with the known card gait data, wherein validation of the user allows a financial transaction associated with the card to proceed.

13 . The system of claim 12 , further comprising a detection sensor that establishes that the card is physically touching the card reader and wherein the authenticator validates user identity in response to physical contact with the card reader.

14 . The system of claim 12 , wherein the authenticator compares the comparison result to a predetermined threshold related to an amount of the financial transaction and validates the user when the comparison result satisfies the predetermined threshold.

15 . The system of claim 12 , further comprising a machine learning (ML) model to determine whether the card movement gait matches the known card gait data.

16 . The system of claim 12 , wherein the correlator determines whether the movement data matches the known card gait data with edge computing on an internet-of-things (IoT) device.

17 . A method, comprising:
executing, on an electronic device processor, instructions that cause the electronic device processor to perform operations associated with authentication, the operations comprising:
sensing card movement associated with a physical presentation of a card moving within a proximity of a card reader device;
capturing card movement data that represents the card movement;
comparing the card movement data to pre-stored card movement data associated with a card owner to create a comparison result; and
authenticating the card owner based on the comparison result and a predetermined threshold, wherein the predetermined threshold is based on a type, amount, or timing of a financial transaction.

18 . The method of claim 17 , wherein the operations further comprise determining whether the card movement data matches the pre-stored card movement data with a machine learning model.

19 . The method of claim 17 , wherein the operations further comprise determining whether the card movement data matches the pre-stored card movement data with edge computing on an internet-of-things (IoT) device.

20 . The method of claim 17 , further comprising sensing the card movement data using a sensor embedded within the card, wherein the sensor is an accelerometer, a 9-axis sensor, an inertial gyrometer sensor, and/or a magnetometer sensor.

Assignees

• Capital One Services Llc

Inventors

• Vargas Cruz
• Miracolo Max
• Chaudhary Viraj

Classifications

• G06Q20/4014 Primary

  Identity check for transactions · CPC title

• G06Q20/352

  Contactless payments by cards · CPC title

• G06F21/316 Primary

  by observing the pattern of computer usage, e.g. typical user behaviour · CPC title

• G06F21/34

  involving the use of external additional devices, e.g. dongles or smart cards · CPC title

• G06N20/00

  Machine learning · CPC title