RFID-enabled payment authentication

Patent metadata

Field	Value
Publication number	US-11748740-B1
Application number	US-202217879545-A
Country	US
Kind code	B1
Filing date	Aug 2, 2022
Priority date	Aug 28, 2019
Publication date	Sep 5, 2023
Grant date	Sep 5, 2023

Abstract

Authentication method and systems using RFID-enabled payment cards are disclosed herein where a server receives a request corresponding to authorization of a payment associated with a payment card from an electronic terminal. The server identifies an electronic device of a user associated with the payment card. The server then transmits an instruction to the electronic device to cause an RFID reader of the electronic device to determine whether an RFID tag corresponding to the payment card is located within a predetermined proximity to the electronic device. When the payment card is located within the predetermined proximity, the server executes a first authentication protocol. Moreover, when the payment card is not located within the predetermined proximity, the server executes a second authentication protocol, wherein the second authentication protocol is more restrictive than the first authentication protocol.

First claim

What is claimed is:

1. A computer-readable medium comprising computer-executable instructions configured to cause a processor to:
in response to receiving, from an electronic terminal, an authorization request corresponding to authorization of a payment associated with a payment card in communication with the electronic terminal, identify a mobile device of a user associated with the payment card;
transmit an instruction to the mobile device to cause a radio frequency identification (RFID) reader of the mobile device to monitor for RFID tags within range of the RFID reader and generate a signal based on the monitoring;
receive a communication from the mobile device indicative of the signal from the RFID reader;
determine whether an RFID tag disposed on or in the payment card is located within a predetermined proximity to the mobile device based on the communication, wherein the RFID tag stores RFID identification information and comprises an antenna layer configured to communicate with the RFID reader of the mobile device;
when the payment card is determined to be located within the predetermined proximity to the mobile device, execute a first authentication protocol; and
when the payment card is determined not to be located within the predetermined proximity to the mobile device, execute a second authentication protocol.

2. The computer-readable medium of claim 1 , wherein the computer-executable instructions are configured to further cause the processor to:
transmit a second authorization request to a payment facilitation server, wherein execution of the first or the second authentication protocol is dependent upon whether the payment facilitation server approves the second authorization request.

3. The computer-readable medium of claim 1 , wherein at least one of the first authentication protocol and the second authentication protocol comprises:
transmitting a notification to any electronic device associated with the user, wherein the notification corresponds to the authorization request.

4. The computer-readable medium of claim 3 , wherein the notification comprises at least one of a payment amount, a location of the electronic terminal, and a timestamp associated with the authorization request.

5. The computer-readable medium of claim 1 , wherein the first authentication protocol comprises:
transmitting, via the processor, an authentication prompt to the electronic terminal requesting the user to enter an authentication response.

6. The computer-readable medium of claim 1 , wherein the second authentication protocol comprises transmitting instructions to display an authentication prompt on the mobile device.

7. The computer-readable medium of claim 1 , wherein the second authentication protocol comprises:
causing, via the processor, the mobile device to identify whether a second electronic device known to be associated with the user is within the predetermined proximity to the mobile device.

8. The computer-readable medium of claim 7 , wherein the second electronic device is a wearable device.

9. The computer-readable medium of claim 1 , wherein the mobile device uses at least one of RFID communication, beacon transmitters, or GPS transmission.

10. The computer-readable medium of claim 1 , wherein the processor communicates with the mobile device via a mobile application installed onto the mobile device.

11. A system comprising:
one or more processors; and
a computer-readable storage device having instructions stored thereon which, when executed by the one or more processors, cause the one or more processors to:
in response to receiving, from an electronic terminal, an authorization request corresponding to authorization of a payment associated with a payment card, identify a mobile device of a user associated with the payment card;
transmit an instruction to the mobile device to cause a radio frequency identification (RFID) reader of the mobile device to monitor RFID tags within range of the RFID reader and generate a signal based on the monitoring;
receive a communication from the mobile device indicative of the signal from the RFID reader;
determine whether an RFID tag disposed on or in the payment card is located within a predetermined proximity to the mobile device based on the communication, wherein the RFID tag stores RFID identification information and comprises an antenna layer configured to communicate with the RFID reader of the mobile device;
when the payment card is determined to be located within the predetermined proximity to the mobile device, execute a first authentication protocol; and
when the payment card is determined not to be located within the predetermined proximity to the mobile device, execute a second authentication protocol comprising transmitting an authentication prompt to the mobile device requesting the user to enter an authentication response.

12. The system of claim 11 , wherein at least one of the first authentication protocol and the second authentication protocol comprises transmitting, via the one or more processors, a notification to another electronic device associated with the user, wherein the notification corresponds to the authorization request.

13. The system of claim 12 , wherein the notification comprises at least one of a payment amount, a location of an electronic terminal, or a timestamp associated with the authorization request.

14. The system of claim 11 , wherein the second authentication protocol is a two-factor authentication method.

15. The system of claim 11 , wherein the second authentication protocol comprises:
identifying, via the one or more processors, whether a second electronic device known to be associated with the user is within the predetermined proximity to the mobile device.

16. The system of claim 15 , wherein the second electronic device is a wearable device.

17. A method comprising:
in response to receiving, from an electronic terminal, an authorization request corresponding to authorization of a payment associated with a payment card in communication with the electronic terminal, identifying a mobile device of a user associated with the payment card;
transmitting an instruction to the mobile device to cause a radio frequency identification (RFID) reader of the mobile device to monitor RFID tags within range of the RFID reader and generate a signal based on the monitoring;
receiving a communication from the mobile device indicative of the signal from the RFID reader;
determining whether an RFID tag disposed on or in the payment card is located within a predetermined proximity to the mobile device based on the communication, wherein the RFID tag stores RFID identification information and comprises an antenna layer configured to communicate with the RFID reader of the mobile device;
when the payment card is determined to be located within the predetermined proximity to the mobile device, executing a first authentication protocol; and
when the payment card is determined not to be located within the predetermined proximity to the mobile device, executing a second authentication protocol comprising transmitting an authentication prompt to the mobile device requesting the user to enter an authentication response.

18. The method of claim 17 , wherein the instruction is received by a software package operating on the mobile device.

19. The method of claim 17 , wherein the second authentication protocol comprises:
identifying whether a second electronic device known to be associated with the user is within the predetermined proximity to the

Assignees

• Usaa

Inventors

• Osterkamp Bryan J
• Baker Kelly Q
• Jones Jr David M
• Russell Ryan Thomas
• Massie Robert Andrew
• Mceachron Jon D

Classifications

• G06Q20/3278 Primary

  RFID or NFC payments by means of M-devices · CPC title

• G01S19/51

  Relative positioning · CPC title

• G06K7/10366

  the interrogation device being adapted for miscellaneous applications · CPC title

• G06Q20/02

  involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] · CPC title

• G06Q20/204

  comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit · CPC title