US Patent Issued to Capital One Services on Oct. 20 for "Contactless card and personal identification system" (Maryland, Illinois, Massachusetts Inventors)

ALEXANDRIA, Va., Oct. 21 -- United States Patent no. 12,770,451, issued on Oct. 20, was assigned to Capital One Services LLC (McLean, Va.).

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

According to the abstract* released by the U.S. Patent & Trademark Office: "For multifactor authentication, a transaction device can receive encrypted data from a contactless card within a communication range of a short-range communication antenna, communicate the encrypted data to an authenticating device, solicit a user PIN in response to authentication of the encrypted data by the authenticating device, receive an...