17847771. AUTHENTICATING A CARD BASED ON CARD MOVEMENT simplified abstract (Capital One Services, LLC)

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AUTHENTICATING A CARD BASED ON CARD MOVEMENT

Organization Name

Capital One Services, LLC

Inventor(s)

Cruz Vargas of Ocean Springs MS (US)

Max Miracolo of Brooklyn NY (US)

Viraj Chaudhary of Katy TX (US)

AUTHENTICATING A CARD BASED ON CARD MOVEMENT - A simplified explanation of the abstract

This abstract first appeared for US patent application 17847771 titled 'AUTHENTICATING A CARD BASED ON CARD MOVEMENT

Simplified Explanation

The disclosed embodiments of this patent application relate to user authentication and fraud detection at a card reader. Here is a simplified explanation of the abstract:

  • A sensor is used to capture the movement of a card when it is presented to a card reader.
  • The movement of the card can be measured in terms of speed, acceleration, or motion.
  • This card movement data is compared to pre-stored data associated with the owner of the card.
  • If the comparison result meets a predetermined threshold, the card user is authenticated.
  • Once authenticated, the transaction can be authorized based on the user's identity.

Potential applications of this technology:

  • This technology can be used in various industries where card readers are used, such as retail, banking, and transportation.
  • It can enhance security measures by adding an additional layer of authentication to prevent unauthorized transactions.

Problems solved by this technology:

  • This technology helps to detect and prevent fraud by verifying the authenticity of the card user before authorizing a transaction.
  • It provides an extra level of security by analyzing the movement of the card, which can help identify suspicious or unauthorized activity.

Benefits of this technology:

  • Improved user authentication: By analyzing card movement, this technology can provide a more reliable and accurate method of authenticating card users.
  • Enhanced fraud detection: The ability to detect fraudulent activity before a transaction occurs can help prevent financial losses and protect cardholders.
  • Increased security: Adding card movement analysis to the authentication process adds an extra layer of security, making it more difficult for unauthorized individuals to use stolen or counterfeit cards.


Original Abstract Submitted

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.

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