A contactless processing pipeline in which the user submits identifying or event information that the platform uses to retrieve additional user data, generate an interactive authentication request, and process the event only upon a valid response — all without physical contact with a terminal or device exchange.
Contactless payment and access systems typically require the user to present a physical credential (tap a card, show a QR code, hold a device near a reader). The event processing depends on that credential exchange — without it, the transaction cannot begin. For scenarios where the user has no physical credential available, or where the event is triggered remotely, the contactless model breaks down.
The system replaces the static credential presentation with a dynamic pipeline. The user requests event processing and provides user identifying information or event identifying information (not a physical credential). The contactless processing platform receives this, retrieves additional user data based on the identifying information, generates an interactive authentication request tailored to the event and user context, transmits it to the user's computing device, and processes the event only when a valid response is received.
The 21 claims cover the full event lifecycle: request initiation, identifying information submission, platform-side data retrieval, interactive auth request generation and transmission, response collection, and conditional event processing. The interactive auth request is dynamic — generated per-event rather than static for all events.
The contactless processing platform sits between the user's device and the event processing system. It receives identifying information, enriches it with stored user data, constructs the authentication request, and only releases the event to the processing layer after authentication succeeds. The user's physical credential is not in the loop.
The platform maintains user data stores that are retrieved during the auth generation phase — account standing, preference history, active session flags, and risk signals all feed into both the auth challenge design and the conditional processing decision. A low-risk user at a known location gets a lighter auth challenge; an anomalous session gets a stricter one.
The patent distinguishes two types of identifying information: user identifying information (who the user is — name, account number, biometric token) and event identifying information (what the event is — transaction ID, access request code, document reference). Either type can initiate the pipeline. The platform uses the submitted information as a key to retrieve the additional context needed to generate the authentication request.
This lookup model means the user doesn't need to carry or present a full credential — they only need to provide enough identifying information for the platform to locate their record. The full authentication context is assembled server-side, not transmitted by the user device. This eliminates the credential-skimming attack surface present in card-tap systems.
The interactive authentication request is generated dynamically by the platform based on the retrieved user data and the specific event being processed. This means the challenge can vary by event type (payment vs. access grant), by user risk profile (higher-risk users get stronger challenges), and by session context (anomalous sessions get additional factors). The challenge is transmitted to the user's computing device for interaction.
The interactive nature of the challenge distinguishes this from static OTP or biometric checks — the user may need to confirm event-specific details (amount, merchant, location), provide context-specific answers, or complete a multi-step verification flow. The event is only processed after a response that satisfies the generated challenge criteria.
User is shown event details (amount, recipient, location) and must actively confirm — not just authenticate identity but verify the specific transaction.
Auth factor selected based on user profile and risk: biometric for high-value events, simple confirmation for low-risk familiar patterns, multi-step for anomalous sessions.
Challenge content is generated from the retrieved user data — not a static prompt. Questions or confirmation requests are specific to what the platform knows about this user.
Platform evaluates the user's response against the generated challenge criteria. Only a valid response triggers event processing — partial or incorrect responses do not.
Successful authentication doesn't just unlock generic event processing — the user's response to the interactive auth request can carry additional information that shapes how the event is processed. A confirmed amount, an approval of specific terms, or a biometric that maps to a specific account tier each influence the downstream processing differently.
The platform communicates the authenticated event to the processing system with the full context of the authentication interaction: what was confirmed, at what assurance level, and what user data was verified. The downstream system receives not just an approval signal but a rich context packet that enables more sophisticated event routing.
The contactless processing model is event-agnostic — it applies to any event where the user can provide identifying information and can respond to an authentication challenge on their computing device. Payments, access grants, document releases, approval workflows, and enrollment events all fit the model without requiring unique credential infrastructure for each.
The 21 claims' scope covers both user-initiated events (user requests processing of an event they want to complete) and system-initiated events (platform detects a pending event and proactively engages the user). Both paths use the same identifying information → data retrieval → interactive auth → conditional processing pipeline.
User initiates payment by providing account identifier. Platform generates payment confirmation challenge. Event processed on response — no card tap required.
User requests facility access with device ID. Platform retrieves access rights, generates identity challenge, grants access on valid response — no physical badge exchange.
User requests document with reference ID. Platform verifies authorization, generates confirmation challenge, releases document on response — secure document exchange without in-person credential presentation.
Platform initiates auth challenge to user device for a pending approval event. User responds from anywhere. Event processed on valid response — no physical proximity required.
The contactless processing pipeline decouples event authorization from physical credential presentation — enabling a broad class of applications that require strong authentication but cannot rely on physical proximity or credential availability.
No forward citations on record as of June 2026. US12107842B2 was granted in October 2024 — forward citations are expected to begin accumulating as practitioners and examiners reference the contactless event processing claims.