18119594. SYSTEMS AND METHODS FOR SECURE AUTHENTICATION THROUGH NEAR FIELD COMMUNICATION simplified abstract (Capital One Services, LLC)

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SYSTEMS AND METHODS FOR SECURE AUTHENTICATION THROUGH NEAR FIELD COMMUNICATION

Organization Name

Capital One Services, LLC

Inventor(s)

Kevin Osborn of Newton Highlands MA (US)

Jeffrey Rule of Chevy Chase MD (US)

SYSTEMS AND METHODS FOR SECURE AUTHENTICATION THROUGH NEAR FIELD COMMUNICATION - A simplified explanation of the abstract

This abstract first appeared for US patent application 18119594 titled 'SYSTEMS AND METHODS FOR SECURE AUTHENTICATION THROUGH NEAR FIELD COMMUNICATION

Simplified Explanation: The patent application describes a system and method for verifying a user's identity through SMS and NFC, which enhances security and reduces verification time.

Key Features and Innovation:

  • System includes a card, user device, and server
  • Method involves requesting authentication credential, sharing information, sending credential to server, validating identity, and performing a transaction
  • Combines SMS and NFC for identity verification
  • Improves security and efficiency in verifying user identity

Potential Applications: This technology can be applied in:

  • Financial transactions
  • Access control systems
  • Secure online transactions
  • Identity verification processes

Problems Solved:

  • Enhances security in user identity verification
  • Reduces time needed for verification
  • Provides a reliable method for authenticating users

Benefits:

  • Increased security in transactions
  • Faster and more efficient user verification
  • Seamless integration of SMS and NFC technologies

Commercial Applications: The technology can be utilized in various industries such as:

  • Banking and finance
  • E-commerce platforms
  • Government agencies
  • Healthcare institutions

Prior Art: Readers can explore prior art related to SMS and NFC technologies in user identity verification systems.

Frequently Updated Research: Stay updated on advancements in SMS and NFC technologies for user authentication systems.

Questions about SMS and NFC Identity Verification: 1. How does the combination of SMS and NFC enhance user identity verification? 2. What are the potential security risks associated with using SMS and NFC for identity verification?

By providing a comprehensive overview of the system and method for verifying a user's identity through SMS and NFC, this article aims to inform readers about the innovative technology and its potential applications in various industries.


Original Abstract Submitted

Systems and method for verifying a user's identity through SMS and NFC are provided. The system includes a card, a user device, and a sever. The method comprises requesting an authentication credential, opening a communication field, sharing information sufficient to create an authentication credential, sending the credential to a server, validating the user's identity, and performing a transaction. This method improves security and decreases the time needed to verify a user's identity.

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