Multi-factor authentication to provide proof of authorization via a contactless card for secure messaging.
DE602020072680T2Active Publication Date: 2026-05-27CAPITAL ONE SERVICES LLC
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Patent Information
- Application Number
- DE602020072680
- Authority / Receiving Office
- DE · DE
- Patent Type
- Patents
- Current Assignee / Owner
- Priority Date
- 2019-12-26
- Filing Date
- 2020-11-24
- Publication Date
- 2026-05-27
- Estimated Expiration
- 2040-11-24
AI Technical Summary
Technical Problem
Conventional messaging services lack security, allowing parties to spoof identities and transmit sensitive information with risk of communicating with imposters.
Method used
A multi-factor authentication method using a contactless card for secure messaging, where a phone number serves as a primary credential and a time-based one-time password from the contactless card as a secondary credential, enhancing authentication with encryption and secure hashing.
Benefits of technology
Enhances confidence in secure messaging sessions by reducing the risk of imposters, suitable for exchanging sensitive information, and ensuring valid credentials are used before initiating secure sessions.
✦ Generated by Eureka AI based on patent content.
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