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US Patent 11315114 Dynamic transaction card protected by multi-factor authentication

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Is a
Patent
Patent

Patent attributes

Patent Applicant
Capital One
Capital One
Current Assignee
Capital One
Capital One
Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
Patent Number
11315114
Date of Patent
April 26, 2022
Patent Application Number
16702842
Date Filed
December 4, 2019
Patent Citations
‌
US Patent 10318952 NFC base station and passive transmitter device
‌
US Patent 10101990 Software update system, firmware over the air updating system and method of updating a client device
‌
US Patent 10255464 Systems and methods for determining clock rates for communicating with processing devices
‌
US Patent 10380389 Reading payment object upon detection of reader readiness
Patent Primary Examiner
‌
Namrata Boveja

A dynamic transaction card comprising an outer surface, a sensor, and a display disposed on the outer surface is disclosed. The dynamic transaction card can include an antenna and a microcontroller controlling a dynamic transaction card application. The dynamic transaction card can also include a secure payment chip having a plurality of contact points and storing a passive tag associated with a user. The passive tag can include a unique identifier and one or more log-in credentials for the user. When making a purchase, the user can be authenticated via a connection between the dynamic transaction card and a user device. The unique identifier can be used as an authentication token and the one or more log-in credentials can be verified against log-in credentials associated with the user.

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