The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
Sep. 05, 2023
Filed:
Aug. 02, 2022
United Services Automobile Association (Usaa), San Antonio, TX (US);
Bryan J. Osterkamp, New Braunfels, TX (US);
Kelly Q. Baker, San Antonio, TX (US);
David M. Jones, Jr., San Antonio, TX (US);
Ryan Thomas Russell, San Antonio, TX (US);
Robert Andrew Massie, San Antonio, TX (US);
Jon D. McEachron, Boerne, TX (US);
United Services Automobile Association (USAA), San Antonio, TX (US);
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.