AUTHENTICATION DEVICE THAT ENABLES TRANSACTIONS WITH A PAYMENT INSTRUMENT
First Claim
1. A system comprising:
- a receiver configured to receive, through an authentication device, authentication information associated with a user of the authentication device or with a payment instrument, wherein the payment instrument communicates with the authentication device, and the payment instrument has a first limitation that does not need pre-authorization; and
a payment instrument authorization module implemented by at least one hardware processor operatively connected to the receiver, the hardware processor(s) configured to;
determine validity of the received authentication information;
authorize a second limitation for the payment instrument based on the validity of the received authentication information; and
communicate, to the authentication device or to a an entity device, authorization information for the payment instrument at the second limitation.
2 Assignments
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Accused Products
Abstract
Embodiments of systems and methods are provided for an authentication device that enables transactions with a payment instrument at different limitations, restrictions and/or use conditions. In an embodiment, a system comprises a receiver configured to receive, through an authentication device, authentication information associated with a user of the authentication device or with a payment instrument, wherein the payment instrument communicates with the authentication device, and the payment instrument has a first limitation that does not need pre-authorization. The system also comprises a payment instrument authorization module implemented by at least one hardware processor operatively connected to the receiver, the hardware processor(s) configured to: determine validity of the received authentication information; authorize a second limitation for the payment instrument based on the validity of the received authentication information; and communicate, to the authentication device or to a an entity device, authorization information for the payment instrument at the second limitation.
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Citations
20 Claims
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1. A system comprising:
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a receiver configured to receive, through an authentication device, authentication information associated with a user of the authentication device or with a payment instrument, wherein the payment instrument communicates with the authentication device, and the payment instrument has a first limitation that does not need pre-authorization; and a payment instrument authorization module implemented by at least one hardware processor operatively connected to the receiver, the hardware processor(s) configured to; determine validity of the received authentication information; authorize a second limitation for the payment instrument based on the validity of the received authentication information; and communicate, to the authentication device or to a an entity device, authorization information for the payment instrument at the second limitation. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. A method comprising:
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receiving, electronically by a processor, through an authentication device, authentication information associated with a user of the authentication device or with a payment instrument, wherein the payment instrument communicates with the authentication device, and the payment instrument has a first limitation that does not need pre-authorization; determining, electronically by the processor, validity of the received authentication information; authorizing, electronically by the processor, a second limitation for the payment instrument based on the validity of the received authentication information; and communicating, electronically by the processor, to the authentication device or to an entity device, authorization information for the payment instrument at the second limitation. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
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20. An authentication device comprising:
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hardware configured to communicate with a payment instrument, wherein the payment instrument has a first limitation; an input device configured to receive, from a user of the authentication device, a request in connection with a transaction for a second limitation along with authentication information associated with the user or the payment instrument; at least one communication module that communicates with a remote server and with the payment instrument, wherein the at least one communication module is adapted to transmit the received request and the authentication information to the remote server, and receive authorization information for the payment instrument from the remote server, and wherein the at least one communication module is adapted to communicate the authorization information to the payment instrument for the second limitation; and an authentication module configured to authenticate the payment instrument at the authorized second limitation.
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Specification