Patent ID: 11893443
Assignee: CAPITAL ONE SERVICES, LLC
Field: Computer technology (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 11:
12. A transaction card comprising:
one or more antennas;
a memory having instructions stored therein; and
a processor circuit configured to execute the instructions, and based on the execution of the instructions, to:
retrieve a first credential from the memory;
receive, via the one or more antennas, information from a wireless network, wherein the information indicates that a mobile device associated with a second credential is within a predetermined distance to the transaction card;
generate, based the information, a third credential determined from a combination of the first credential and the second credential; and
perform, using the third credential and via the one or more antennas, a secure data transaction between the transaction card and one of a plurality of terminals.