Power-Based Card Verification Handshake System
Summary
Capital One Services LLC filed patent application US20260094147A1 for a Power-Based Card Verification Handshake system on October 1, 2024. The invention describes a card processor that compares received terminal voltage against a predetermined card voltage, rejecting payment information requests if the voltages do not match. The patent aims to enhance payment card security through hardware-based voltage verification.
What changed
Capital One Services LLC published patent application US20260094147A1 for a payment card verification method using voltage-based authentication. The system includes a card processor that stores a predetermined voltage value for a specific card, receives a voltage signal from a payment terminal that powers the card, compares the two voltages, and rejects payment information requests when voltages do not match. The application (No. 19/803322) was filed October 1, 2024, and published April 2, 2026.
No compliance actions are required as this is a patent application, not a regulatory requirement. Financial institutions and payment technology companies may wish to monitor this intellectual property filing for competitive intelligence on card authentication technologies. The CPC classifications (G06Q 20/3563, G06Q 20/341) indicate focus on payment processing and security mechanisms.
Archived snapshot
Apr 3, 2026GovPing captured this document from the original source. If the source has since changed or been removed, this is the text as it existed at that time.
POWER-BASED CARD VERIFICATION HANDSHAKE
Application US20260094147A1 Kind: A1 Apr 02, 2026
Assignee
Capital One Services, LLC
Inventors
Brian Barr, Galen Rafferty, Christopher Ferri, Michael Davis, Taylor Turner, Owen Reinert, Tyler Farnan, James Schneider
Abstract
A processor of a card may determine a predetermined voltage associated with the card. The processor may receive an indication of a voltage received from a terminal, wherein the card is powered by the voltage received from the terminal. The processor may determine that the voltage received from the terminal is not equal to the predetermined voltage associated with the card. The processor may reject, based on the determination that the voltage received from the terminal is not equal to the predetermined voltage associated with the card, a request from the terminal to provide payment information associated with the card.
CPC Classifications
G06Q 20/3563 G06Q 20/341
Filing Date
2024-10-01
Application No.
18903322
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