Patent ID: 11922417
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method for secure data communication, comprising:
receiving, by a server, a cryptogram, the cryptogram comprising user identification information;
performing, by the server, a first factor authentication, wherein the first factor authentication comprises:
decrypting, by the server, the cryptogram, and
verifying by the server, the user identification information;
transmitting, by the server in response to a successful first factor authentication, a first message to an application executing on a device;

receiving, by the server, a data set from the application;
performing, by the server, a second factor authentication comprising verifying the data set; and
generating, by the server, a second message indicative of a two factor authentication.