Patent Grant: User Authentication Systems for Public Terminals

ChangeBridge: Patent Grants - Networking (H04L)

Published March 24th, 2026

Detected March 27th, 2026

Summary

The USPTO has granted patent US12585750B2 for systems and methods for authenticating users at public terminals. The patent, assigned to Capital One Services, LLC, describes a process involving physical credential reading, secure server transmission, unique code generation, and final authentication for terminal access.

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What changed

The United States Patent and Trademark Office (USPTO) has issued patent US12585750B2, titled 'Systems and methods for authenticating a user at a public terminal.' This patent, assigned to Capital One Services, LLC, details a novel approach to user authentication for public terminals. Key aspects include reading a user identifier from a physical credential, transmitting this identifier along with the terminal's identifier to a secure server, receiving a unique code from the server, displaying this code, and finally receiving an authentication message to authorize terminal use.

While this is a patent grant and not a direct regulatory mandate, it signifies technological innovation in user authentication. Companies developing or utilizing public terminals, particularly in financial services or other sensitive environments, should be aware of this patented technology. The assignee, Capital One Services, LLC, may leverage this patent to protect its intellectual property or license the technology. Compliance officers should note this development as it relates to the security and authentication protocols for customer-facing terminals.

Source document (simplified)

← USPTO Patent Grants

Systems and methods for authenticating a user at a public terminal

Grant US12585750B2 Kind: B2 Mar 24, 2026

Assignee

Capital One Services, LLC

Inventors

Jeremy Goodsitt, Fardin Abdi Taghi Abad, Austin Walters

Abstract

Systems and methods for authenticating a user to access a public terminal are described. Disclosed embodiments may include reading, using the physical credential reader, a user identifier from the physical credential device. Disclosed embodiments may also include transmitting the public terminal identifier and the user identifier to a secure server. Further, disclosed embodiments may include receiving, after completing the transmission, a unique code from the secure server. Disclose embodiments may additionally include displaying the unique code on the display device. Disclosed embodiments may include receiving, after displaying the unique code, an authentication message from the secure server. Disclosed embodiments may further include, responsive to receiving the authentication message, authorizing the user to use a terminal command at the public terminal.