SYSTEMS AND METHODS OF CONTACTLESS CARD AS ONE AUTHENTICATION FACTOR FOR MULTIPLE FACTOR AUTHENTICATION

SYSTEMS AND METHODS OF CONTACTLESS CARD AS ONE AUTHENTICATION FACTOR FOR MULTIPLE FACTOR AUTHENTICATION

A method comprises: receiving, by a server from a first device, a first request of authenticating a user using a first authentication factor; authenticating, by the server, the user using the first authentication factor; receiving, by the server from the first device, a second request of authenticat...

Ausführliche Beschreibung

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Bibliographische Detailangaben
Hauptverfasser: McHUGH, Katherine, ZEARFOSS, Patrick, NEWTON, Lesley
Format: Patent
Sprache:eng
Schlagworte:
CALCULATING
COMPUTING
COUNTING
DATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FORADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORYOR FORECASTING PURPOSES
PHYSICS
SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE,COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTINGPURPOSES, NOT OTHERWISE PROVIDED FOR
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Beschreibung
Zusammenfassung:A method comprises: receiving, by a server from a first device, a first request of authenticating a user using a first authentication factor; authenticating, by the server, the user using the first authentication factor; receiving, by the server from the first device, a second request of authenticating the user using a contactless card as a second authentication factor; receiving, by the server from the user device, a cryptogram of the contactless card; validating, by the server, the cryptogram; decrypting, by the server, the cryptogram; extracting, by the server, from the decrypted cryptogram a unique customer identifier of the contactless card; verifying, by the server, the unique customer identifier; authenticating, by the server, the user using the unique customer identifier; and transmitting, by the sever to the first device, an authentication result of authenticating the user using the contactless card as the second authentication factor.