System for and method of authentication dedicated for safe reading
JP2025131721A5Pending Publication Date: 2026-03-13CAPITAL ONE SERVICES LLC
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Patent Information
- Application Number
- JP2025093655
- Authority / Receiving Office
- JP · JP
- Patent Type
- Applications
- Current Assignee / Owner
- Priority Date
- 2018-06-21
- Filing Date
- 2025-06-04
- Publication Date
- 2026-03-13
AI Technical Summary
Technical Problem
Existing authentication methods, particularly those using EMV protocols, are insecure due to reliance on two-way communication which many devices and operating systems do not support, leading to vulnerabilities in transaction card authentication.
Method used
Transaction cards equipped with a radio frequency transmitter, a clock generator, and a near field communication tag that generate encrypted values based on a dynamic counter or timestamp, providing secure read-only authentication through polymorphic tags.
Benefits of technology
Enhances security by preventing cloning and ensuring authentication integrity, even on devices lacking two-way communication capabilities, by using dynamic identifiers that change with each read.
✦ Generated by Eureka AI based on patent content.
Abstract
To provide a transaction card for authentication of a user with a portable device having a memory including instructions and a processor communicating with a network.SOLUTION: A system according to the present invention has a processor of a service provider device which accepts an authentication request from a suer device, acquires a permanent identifier associated with a transaction card from a database, generates a temporary identifier associated with the transaction card, encrypts the permanent identifier and the temporary identifier to generate an encrypted value, verifies an expected value for the encrypted value accepted from a portable device, and executes stored instructions to transmit authentication commands to the portable device.SELECTED DRAWING: Figure 4
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