# US 11,907,948 B2 · Systems and methods for authentication using radio frequency tags

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- Number: US 11,907,948 B2
- Document ID: US11907948B2
- Status: Granted
- Kind: B2
- Application number: 18/056,530
- Filed: 2022-11-17
- Published: 2023-03-16
- Granted: 2024-02-20
- Earliest claimed: 2015-10-05
- Assignees: JPMorgan Chase Bank, N.A.
- Applicants: Jpmorgan Chase Bank, N.A.
- Inventors: Courtney S. Goodrich; Nicholas M. Lore; Daryl W. Wooldridge
- Web page: https://patentgrep.com/patent/US11907948B2

## CPC

- G06Q 20/401: {Transaction verification}
- G06F 21/35: communicating wirelessly
- G06F 21/44: Program or device authentication
- G06K 7/10366: {the interrogation device being adapted for miscellaneous applications}
- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G06Q 20/3821: {Electronic credentials}
- G07C 9/28: the pass enabling tracking or indicating presence
- G08B 3/10: using electric transmission; using electromagnetic transmission
- G08B 13/1427: {with transmitter-receiver for distance detection}
- G08B 21/18: Status alarms (G08B21/02 takes precedence)
- G08B 25/10: using wireless transmission systems {(G08B25/009 takes precedence)}
- H04W 4/02: Services making use of location information
- H04W 4/021: Services related to particular areas, e.g. point of interest [POI] services, venue services or geofences
- H04W 12/08: Access security
- G06F 2221/2111: Location-sensitive, e.g. geographical location, GPS
- G06Q 2220/00: Business processing using cryptography
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06F: ELECTRIC DIGITAL DATA PROCESSING (computer systems based on specific computational models G06N)
- G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- G07C: TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G08B: SIGNALLING SYSTEMS, e.g. PERSONAL CALLING SYSTEMS; ORDER TELEGRAPHS; ALARM SYSTEMS
- H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72)

## Abstract

Systems and methods for authentication using radio frequency tags are disclosed. In one embodiment, a method for approving a requested operation from a secondary user of a resource that is controlled by a primary user may include (1) a back end comprising at least one computer processor receiving, from a mobile application that is executed by a mobile device associated with a secondary user, a requested operation involving a resource that is controlled by a primary user; (2) the back end receiving a unique identifier from the secondary user mobile application, the unique identifier being read by the mobile application from a tag associated with the secondary user; (3) the back end determining that the received unique identifier matches a stored unique identifier that is associated with the secondary user; and (4) the back end approving the requested operation and communicating the approval to the secondary user mobile application.

## Claims

### Claim 1

A method for approving a requested operation from a secondary user of a resource that is controlled by a primary user, comprising:
receiving, by a back end computer processor executing back end non-transient computer-readable computer program instructions and from a secondary user computer program that is executed by a secondary user mobile device associated with a secondary user, a requested operation involving a resource that is controlled by a primary user;
receiving, by the back end non-transient computer-readable computer program instructions, a secondary user unique identifier from the secondary user computer program, wherein the secondary user computer program is configured to receive the secondary user unique identifier from a secondary user physical radio frequency (RF) identification tag associated with the secondary user by radio communication;
authenticating, by the back end non-transient computer-readable computer program instructions, the secondary user by verifying that the secondary user unique identifier that was received from the secondary user physical RF identification tag matches an expected secondary user unique identifier for the secondary user physical RF identification tag;
accessing, by the back end non-transient computer-readable computer program instructions, a database of approved operations;
determining, by the back end non-transient computer-readable computer program instructions, that the requested operation is not a routine requested operation by comparing the requested operation to the database of approved operations;
communicating, by the back end non-transient computer-readable computer program instructions, a request for approval of the requested operation to a primary user computer program executed by a primary user mobile device associated with the primary user;
receiving, by the back end non-transient computer-readable computer program instructions, a primary user unique identifier from the primary user mobile device, wherein the primary user computer program is configured to receive the primary user unique identifier from a primary user physical RF identification tag associated with the primary user by radio communication;
receiving, by the back end non-transient computer-readable computer program instructions, approval for the requested operation from the primary user computer program;
authenticating, by the back end non-transient computer-readable computer program instructions, the primary user by verifying that the primary user unique identifier that was received from the primary user physical RF identification tag matches an expected primary user unique identifier for the primary user physical RF identification tag;
enabling, by the back end non-transient computer-readable computer program instructions, the secondary user computer program to perform the requested operation, wherein the secondary user computer program is configured to perform the requested operation with the resource via the back end computer processor; and
updating, by the back end non-transient computer-readable computer program instructions, the database of approved operations with the approved requested operation.

### Claim 2 (depends on 1)

The method of claim 1, wherein the secondary user physical RF identification tag is physically separate from the secondary user's mobile device.

### Claim 3 (depends on 1)

The method of claim 1, wherein the secondary user physical RF identification tag is stored on the secondary user's mobile device.

### Claim 4 (depends on 1)

The method of claim 1, wherein the requested operation is a purchase, and the resource is a transaction account.

### Claim 5 (depends on 1)

The method of claim 1, wherein the requested operation is an access, and the resource is a building or a facility.

### Claim 6 (depends on 1)

The method of claim 1, wherein the resource comprises a financial account.

### Claim 7

A non-transitory computer readable storage medium, including instructions stored thereon, which when read and executed by one or more computer processors, cause the one or more computer processors to perform steps comprising:
receiving, from a secondary user computer program that is executed by a secondary user mobile device associated with a secondary user, a requested operation involving a resource that is controlled by a primary user;
receiving, from the secondary user computer program, a secondary user unique identifier wherein the secondary user unique identifier was received from a secondary user physical radio frequency (RF) identification tag associated with the secondary user by radio communication;
authenticating the secondary user by verifying that the secondary user unique identifier that was received from the secondary user physical RF identification tag matches an expected secondary user unique identifier for the secondary user physical RF identification tag;
accessing a database of approved operations;
determining that the requested operation is not a routine requested operation by comparing the requested operation to the database of approved operations;
communicating a request for approval of the requested operation to a primary user computer program executed by a primary user mobile device associated with the primary user;
receiving a primary user unique identifier from the primary user mobile device, wherein the primary user computer program received the primary user unique identifier from a primary user physical RF identification tag associated with the primary user by radio communication;
receiving approval for the requested operation from the primary user computer program;
authenticating the primary user by verifying that the primary user unique identifier that was received from the primary user physical RF identification tag matches an expected primary user unique identifier for the primary user physical RF identification tag;
enabling the secondary user computer program to perform the requested operation; and
updating the database of approved operations with the approved requested operation.

### Claim 8 (depends on 7)

The non-transitory computer readable storage medium of claim 7, wherein the requested operation is a purchase, and the resource is a transaction account.

### Claim 9 (depends on 7)

The non-transitory computer readable storage medium of claim 7, wherein the requested operation is an access, and the resource is a building or a facility.

### Claim 10 (depends on 7)

The non-transitory computer readable storage medium of claim 7, wherein the resource comprises a financial account.