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Systems and methods for cryptographic authentication of contactless cards

  • US 10,489,781 B1
  • Filed: 03/12/2019
  • Issued: 11/26/2019
  • Est. Priority Date: 10/02/2018
  • Status: Active Grant
First Claim
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1. An authentication system comprising:

  • an authentication server;

    a client application comprising instructions for execution on a client device in data communication with the authentication server; and

    a contactless card containing a processor and a memory;

    wherein the authentication server is configured to;

    receive a transaction request, wherein the transaction request includes account information for an account requesting to engage in a transaction and transaction information for the transaction,in response to receiving the transaction request, send an authentication request to the client application requesting at least one authentication factor when a value of the transaction exceeds a predetermined value, wherein the at least one authentication factor includes a cryptogram generated by placing the contactless card in a communication field of the client device,receive an authentication signal from the client device, the authentication signal including the cryptogram, andauthorize the transaction when the authentication signal is received.

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