US Patent Issued to Capital One Services on May 13 for "Contactless card personal identification system" (Maryland, Massachusetts, Illinois Inventors)

ALEXANDRIA, Va., June 12 -- United States Patent no. 12,300,075, issued on May 13, was assigned to Capital One Services LLC (McLean, Va.).

"Contactless card personal identification system" was invented by Kevin Osborn (Newton, Mass.), Srinivasa Chigurupati (Long Grove, Ill.) and Jeffrey Rule (Chevy Chase, Md.).

According to the abstract* released by the U.S. Patent & Trademark Office: "A dual-factor PIN based authentication system and method uses a cryptogram provided by a contactless card associated with the client in association with a PIN stored by the contactless card to authenticate the client. In some embodiments, cryptogram authentication may be preconditioned upon a PIN match determination by the contactless card. In other embodim...