Authentication and authorization with physical cards
OwnerJigar Rajnikant Gosaliainventor
Life of this patent
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Abstract
Systems and methods for authentication and authorization using physical computing cards include receiving from the physical computing card an authorization request, where the request includes a card identifier and an entity location. Authorized users associated with the card identifier are determined. Identifications of users with pending transactions at the entity location are obtained. Verification is performed by determining that there is a match between an identification of a user to an identification of one of the authorized users. The user is then authorized to access resources associated with the physical computing card.
Claims20
A system comprising:
- a non-transitory memory;
- and
- one or more hardware processors coupled to the non-transitory memory and configured to read instructions from the non-transitory memory to cause the system to perform operations comprising:
- receiving, from an entity device by a computing card associated with a first user, a request, wherein the request includes an authentication input of a second user, and wherein the request is associated with a pending transaction;
- transmitting, to a service provider, an authorization request for authorized users associated with a card identifier in response to determining that a location of the first user is different from a location of the second user, wherein the authorization request includes the card identifier;
- receiving, from the service provider, authorized users associated with the card identifier;
- verifying an identification of the second user based in part on an identification profile received from the entity device and the authentication input of the second user;
- determining that the second user is one of the authorized users based in part on the identification profile and the authentication input of the second user;
- and
- processing the request to conduct the pending transaction.
A method, comprising:
- receiving, from an entity device by a computing card associated with a first user, a request, wherein the request includes an authentication input of a second user, and wherein the request is associated with a pending transaction;
- transmitting, to a service provider, an authorization request for authorized users associated with a card identifier in response to determining that a location of the first user is different from a location of the second user, wherein the authorization request includes the card identifier;
- receiving, from the service provider, authorized users associated with the card identifier;
- verifying an identification of the second user based in part on an identification profile received from the entity device and the authentication input of the second user;
- determining that the second user is one of the authorized users based in part on the identification profile and the authentication input of the second user;
- and
- processing the request to conduct the pending transaction.
A non-transitory machine-readable medium having stored thereon machine-readable instructions executable to cause a machine to perform operations comprising:
- receiving, from an entity device by a computing card associated with a first user, a request, wherein the request includes an authentication input of a second user, and wherein the request is associated with a pending transaction;
- transmitting, to a service provider, an authorization request for authorized users associated with a card identifier in response to determining that a location of the first user is different from a location of the second user, wherein the authorization request includes the card identifier;
- receiving, from the service provider, authorized users associated with the card identifier;
- verifying an identification of the second user based in part on an identification profile received from the entity device and the authentication input of the second user;
- determining that the second user is one of the authorized users based in part on the identification profile and the authentication input of the second user;
- and
- processing the request to conduct the pending transaction.
Dependencies are inferred from the claim text.