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US Patent 12067568 Authentication of contactless transactions

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Contents

Is a
Patent
Patent
0

Patent attributes

Patent Jurisdiction
United States Patent and Trademark Office
United States Patent and Trademark Office
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Patent Number
120675680
Patent Inventor Names
Kevin Osborn0
Michael Wolf0
Date of Patent
August 20, 2024
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Patent Application Number
178888300
Date Filed
August 16, 2022
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Patent Citations
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US Patent 11062290 Secure real-time transactions
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US Patent 10904748 Proximity based user identification and authentication system and method
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US Patent 11019063 System and method for aggregating client data and cyber data for authentication determinations
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US Patent 9544075 Platform for wireless identity transmitter and system using short range wireless broadcast
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US Patent 10075919 Portable electronic device with proximity sensors and identification beacon
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US Patent 10467624 Mobile devices enabling customer identity validation via central depository
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US Patent 10484386 System, method, computer program and data signal for the provision of a profile of identification
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US Patent 10511443 Systems and methods for cryptographic authentication of contactless cards
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...
Patent Primary Examiner
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Kristy A Haupt
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Patent abstract

Disclosed embodiments include aspects that relate to authentication of contactless interactions. Identifying information can be provided from multiple sources. A chip-embedded card can be registered to an individual and include identifying information associated with the information. During a contactless transaction, identifying information can be acquired. An individual's identity can be validated based on identifying information. A chip-embedded card can be read by a card reader at a particular location providing physical presence information. In one instance, identifying information from the chip-embedded card can be compared to other identifying information to determine whether there is a match or mismatch. A confidence score can be computed based on the amount and type of information provided. An individual's identity can be validated when the confidence score satisfies a threshold.

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