Patent ID: 11861600
Assignee: CAPITAL ONE SERVICES, LLC
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A method for multi-level user authentication, the method comprising:
receiving, by an application associated with a computing device, a first user credential from a user;
determining that the first user credential matches a stored user credential, the stored user credential associated with a user identity of a user account;
verifying the user identity by:
receiving, at the application, a public key of a key pair associated with a transaction card;
instructing, by the application, the transaction card to generate a digital signature by using a private key of the key pair;
receiving, at the application, the digital signature; and
verifying, by the application, the digital signature using the public key;

determining, by the application, to authenticate the user based on the verification of the digital signature and the first user credential matching the stored user credential;
receiving, by the application, a card activation request from the user;
sending, by the application, cardholder data and the card activation request to an account provider server; and
receiving, by the application, a status of the card activation request, the status including activated or denied.