Authentication system for payment cards

US11100514B2 · kind B2 · utility

Assignee

• International Business Machines Corporation · US

Inventors

• John R. Dangler · Rochester, US
• Layne A. Berge · Rochester, US
• Jason J. Bjorgaard · Rochester, US
• Thomas W. Liang · Rochester, US
• Manuel Orozco · Rochester, US
• Matthew S. Doyle · Rochester, US

Key dates

• Filing date: Oct 11, 2018
• Grant date: Aug 24, 2021
• Expiry date: Jan 22, 2039

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/352
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

Systems, methods, and cards utilized for an authentication protection layer for payment card transactions are provided. Aspects include receiving, by a transaction processing terminal, the card for the potential transaction. Obtaining card holder information for the card and transmitting a radio frequency (RF) signal and receiving RFID data from an RFID tag associated with the card. Comparing, by a processor, the card holder information to the RFID data to determine whether to authorize the potential card transaction and authorizing the potential card transaction based at least on a determination that the RFID data corresponds to the card holder information.