18537905. UTILIZING A TRANSACTION CARD TO PROVIDE SECONDARY AUTHENTICATION FOR ACCESSING A SECURE APPLICATION WITH A USER DEVICE simplified abstract (Capital One Services, LLC)

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UTILIZING A TRANSACTION CARD TO PROVIDE SECONDARY AUTHENTICATION FOR ACCESSING A SECURE APPLICATION WITH A USER DEVICE

Organization Name

Capital One Services, LLC

Inventor(s)

James Zarakas of Centreville VA (US)

Molly Johnson of Alexandria VA (US)

Robert Perry of Ashburn VA (US)

Adam Koeppel of Washington DC (US)

Tyler Locke of Washington DC (US)

UTILIZING A TRANSACTION CARD TO PROVIDE SECONDARY AUTHENTICATION FOR ACCESSING A SECURE APPLICATION WITH A USER DEVICE - A simplified explanation of the abstract

This abstract first appeared for US patent application 18537905 titled 'UTILIZING A TRANSACTION CARD TO PROVIDE SECONDARY AUTHENTICATION FOR ACCESSING A SECURE APPLICATION WITH A USER DEVICE

Simplified Explanation

The patent application describes a transaction card with near-field communication (NFC) capabilities for secure application access.

  • The transaction card includes components such as NFC, security, and wireless components.
  • The device receives a signal from a user device to access a secure application.
  • The NFC component is energized based on the signal received.
  • The security component generates an encrypted code based on the NFC component being energized.
  • The encrypted code is provided to the user device via the wireless component for authentication to access the secure application.

Potential Applications

This technology could be applied in various industries such as banking, healthcare, and access control systems.

Problems Solved

This technology solves the issue of secure authentication for accessing sensitive applications or data.

Benefits

The benefits of this technology include enhanced security, convenience, and ease of use for users accessing secure applications.

Potential Commercial Applications

A potential commercial application for this technology could be in the development of secure payment cards or access control cards for buildings.

Possible Prior Art

One possible prior art for this technology could be existing NFC-enabled payment cards or access control cards with similar authentication methods.

Unanswered Questions

How does the device ensure the encrypted code is securely transmitted to the user device?

The patent application does not provide details on the specific security measures in place to protect the transmission of the encrypted code.

Are there any limitations to the range of communication between the transaction card and the user device?

The patent application does not mention any limitations on the communication range between the transaction card and the user device using NFC technology.


Original Abstract Submitted

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.

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