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Contactless card and personal identification system

  • US 10,657,754 B1
  • Filed: 12/23/2019
  • Issued: 05/19/2020
  • Est. Priority Date: 12/23/2019
  • Status: Active Grant
First Claim
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1. A method for dual factor authentication of a request for access to an account associated with a client includes the steps of:

  • receiving an input personal identification number (PIN) from a user interface;

    engaging a contactless card, the contactless card storing a PIN associated with the client;

    communicating the input PIN to the contactless card;

    receiving, in response to a match of the input PIN with the stored PIN, a cryptogram from the contactless card, the cryptogram formed using a dynamic key of the contactless card, the dynamic key formed using a counter value maintained by the contactless card, wherein the cryptogram comprises contactless card data that is encoded using the dynamic key;

    communicating the cryptogram to an authenticating device; and

    authorizing the request in response to authentication of the cryptogram by the authenticating device.

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