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-2023419714-A1
Application number	US-202318460979-A
Country	US
Kind code	A1
Filing date	Sep 5, 2023
Priority date	Feb 19, 2019
Publication date	Dec 28, 2023
Grant date	—

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 device, comprising:
one or more memories; and one or more processors, coupled to the one or more memories, configured to:
receive a query associated with possession of a transaction card by a user associated with the device;
automatically operate, in response to the query, a near field communication (NFC) transceiver of the device;
communicate, via the NFC transceiver, with an integrated circuit (IC) chip associated with the transaction card; and
provide, based on the communication with the IC chip, a response associated with the possession of the transaction card by the user.

2 . The device of claim 1 , wherein the one or more processors are further configured to:
provide, for display and based on the query, an instruction to confirm the possession of the transaction card by the user.

3 . The device of claim 1 , wherein the response includes IC chip data.

4 . The device of claim 1 , wherein the query is a first query and the response is a first response; and
wherein the one or more processors are further configured to:
receive a second query associated with identification of the user;
obtain, based on the second query, data associated with the identification of the user; and
provide, based on the data associated with the identification of the user, a second response associated with the identification of the user.

5 . The device of claim 4 , wherein the one or more processors are further configured to:
provide, for display and based on the second query, an instruction to provide the identification of the user.

6 . The device of claim 4 , wherein the second response includes the data associated with the identification of the user.

7 . The device of claim 4 , wherein the second response is associated with determining that the user is authorized to possess the transaction card.

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 device, cause the device to:
receive a query associated with possession of a transaction card by a user associated with the device;
automatically operate, in response to the query, a near field communication (NFC) transceiver of the device;
communicate, via the NFC transceiver, with an integrated circuit (IC) chip associated with the transaction card; and
provide, based on the communication with the IC chip, a response associated with the possession of the transaction card by the user.

9 . The non-transitory computer-readable medium of claim 8 , wherein the one or more instructions further cause the device to:
provide, for display and based on the query, an instruction to confirm the possession of the transaction card by the user.

10 . The non-transitory computer-readable medium of claim 8 , wherein the response includes IC chip data.

11 . The non-transitory computer-readable medium of claim 8 , wherein the query is a first query and the response is a first response; and
wherein the one or more instructions further cause the device to:
receive a second query associated with identification of the user;
obtain, based on the second query, data associated with the identification of the user; and
provide, based on the data associated with the identification of the user, a second response associated with the identification of the user.

12 . The non-transitory computer-readable medium of claim 11 , wherein the one or more instructions further cause the device to:
provide, for display and based on the second query, an instruction to provide the identification of the user.

13 . The non-transitory computer-readable medium of claim 11 , wherein the second response includes the data associated with the identification of the user.

14 . The non-transitory computer-readable medium of claim 11 , wherein the second response is associated with determining that the user is authorized to possess the transaction card.

15 . A method, comprising:
receiving, by a device, a query associated with possession of a transaction card by a user associated with the device; automatically operating, by the device and in response to the query, a near field communication (NFC) transceiver of the device; communicating, by the device and via the NFC transceiver, with an integrated circuit (IC) chip associated with the transaction card; and providing, based on the communication with the IC chip, a response associated with the possession of the transaction card by the user.

16 . The method of claim 15 , further comprising:
providing, for display and based on the query, an instruction to confirm the possession of the transaction card by the user.

17 . The method of claim 15 , wherein the response includes IC chip data.

18 . The method of claim 15 , wherein the query is a first query and the response is a first response; and
wherein the method further comprises:
receiving a second query associated with identification of the user;
obtaining, based on the second query, data associated with the identification of the user; and
providing, based on the data associated with the identification of the user, a second response associated with the identification of the user.

19 . The method of claim 18 , further comprising:
providing, for display and based on the second query, an instruction to provide the identification of the user.

20 . The method of claim 18 , wherein the second response includes the data associated with the identification of 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

• G06Q20/409

  Device specific authentication in transaction processing · CPC title

• G06K7/10297

  arrangements for handling protocols designed for non-contact record carriers such as RFIDs NFCs, e.g. ISO/IEC 14443 and 18092 (cryptographic protocols H04L9/00; network security protocols H04L63/00; real-time communication protocols in data switching networks H04L65/00; network protocols for data switching network services H04L67/00) · CPC title

• G06Q20/341

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

• G06Q20/354

  Card activation or deactivation · CPC title