# US 12,182,795 B1 · RFID-enabled payment authentication

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- Number: US 12,182,795 B1
- Document ID: US12182795B1
- Status: Granted
- Kind: B1
- Application number: 18/612,587
- Filed: 2024-03-21
- Granted: 2024-12-31
- Earliest claimed: 2019-08-28
- Assignees: United Services Automobile Association (USAA)
- Applicants: United Services Automobile Association (USAA)
- Inventors: Bryan J. Osterkamp; Kelly Q. Baker; David M. Jones, Jr.; Ryan Thomas Russell; Robert Andrew Massie; Jon D. McEachron
- Web page: https://patentgrep.com/patent/US12182795B1

## CPC

- G06K 19/0723: {the record carrier comprising an arrangement for non-contact communication, e.g. wireless communication circuits on transponder cards, non-contact smart cards or RFIDs}
- G06Q 20/3278: {RFID or NFC payments by means of M-devices}
- G01S 19/51: Relative positioning
- G06K 7/10366: {the interrogation device being adapted for miscellaneous applications}
- G06Q 20/02: involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q 20/204: {comprising interface for record bearing medium or carrier for electronic funds transfer or payment credit}
- G06Q 20/3224: {Transactions dependent on location of M-devices}
- G06Q 20/326: {Payment applications installed on the mobile devices}
- G06Q 20/352: {Contactless payments by cards}
- G06Q 20/401: {Transaction verification}
- G06Q 20/4015: {using location information}
- G06Q 20/42: Confirmation, e.g. check or permission by the legal debtor of payment
- G06Q 20/321: {using wearable devices}
- G06K: GRAPHICAL DATA READING (image or video recognition or understanding G06V); PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
- 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
- G01S: RADIO DIRECTION-FINDING; RADIO NAVIGATION; DETERMINING DISTANCE OR VELOCITY BY USE OF RADIO WAVES; LOCATING OR PRESENCE-DETECTING BY USE OF THE REFLECTION OR RERADIATION OF RADIO WAVES; ANALOGOUS ARRANGEMENTS USING OTHER WAVES

## Abstract

Authentication method and systems using RFID-enabled payment cards are disclosed herein where a server receives a request corresponding to authorization of a payment associated with a payment card from an electronic terminal. The server identifies an electronic device of a user associated with the payment card. The server then transmits an instruction to the electronic device to cause an RFID reader of the electronic device to determine whether an RFID tag corresponding to the payment card is located within a predetermined proximity to the electronic device. When the payment card is located within the predetermined proximity, the server executes a first authentication protocol. Moreover, when the payment card is not located within the predetermined proximity, the server executes a second authentication protocol, wherein the second authentication protocol is more restrictive than the first authentication protocol.

## Claims

### Claim 1

A method comprising:
receiving, via a processor, an instruction to cause an RFID reader of an electronic device to monitor within range of the RFID reader for an RFID chip, wherein the RFID chip is coupled to or embedded within a payment card and stores a unique number associated with a user of the payment card;
operating the RFID reader to monitor within range of the RFID reader;
generating a signal based on the monitoring of the RFID reader and transmitting the signal to a server;
when the payment card is determined to be located within a predetermined proximity to the RFID reader based on the signal comprising the unique number, communicating with the server to execute a first authentication protocol; and
when the payment card is determined not to be located within the predetermined proximity to the RFID reader based on the signal not comprising the unique number, communicating with the server to execute a second authentication protocol comprising transmitting an authentication prompt to the electronic device requesting entry of an authentication response.

### Claim 2 (depends on 1)

The method of claim 1, wherein at least one of the first authentication protocol and the second authentication protocol comprises:
receiving a notification from the server comprising an authorization request.

### Claim 3 (depends on 2)

The method of claim 2, wherein the notification comprises at least one of a payment amount, a location of an electronic terminal, or a timestamp associated with the authorization request.

### Claim 4 (depends on 1)

The method of claim 1, wherein the second authentication protocol is a two-factor authentication method.

### Claim 5 (depends on 1)

The method of claim 1, wherein the second authentication protocol comprises:
identifying whether a second electronic device known to be associated with the user is within the predetermined proximity to the electronic device.

### Claim 6 (depends on 5)

The method of claim 5, wherein the second electronic device is a wearable device.

### Claim 7 (depends on 1)

The method of claim 1, wherein the electronic device uses at least one of RFID communication, beacon transmitters, or GPS transmission.

### Claim 8

A system comprising:
an RFID chip disposed on or in a payment card and storing a unique number associated with a user of the payment card;
one or more processors; and
a computer-readable storage device coupled to the one or more processors and having instructions stored thereon which, when executed by the one or more processors, cause the one or more processors to perform operations comprising:
receiving an instruction from a server to cause a radio frequency identification (RFID) reader to activate monitoring within range of the RFID reader;
generating a signal based on the monitoring of the RFID reader and transmitting the signal to the server;
when the payment card is determined to be located within a predetermined proximity to the RFID reader based on the signal comprising the unique number stored on the RFID chip, communicating with the server to execute a first authentication protocol; and
when the payment card is determined not to be located within the predetermined proximity to the RFID reader based on the signal not comprising the unique number stored on the RFID chip, communicating with the server to execute a second authentication protocol, wherein the second authentication protocol comprises transmitting an authentication prompt to an electronic device of the user requesting the user to enter an authentication response.

### Claim 9 (depends on 8)

The system of claim 8, wherein at least one of the first authentication protocol and the second authentication protocol comprises receiving, via the one or more processors, a notification from the server comprising an authorization request.

### Claim 10 (depends on 9)

The system of claim 9, wherein the notification comprises at least one of a payment amount, a location of an electronic terminal, or a timestamp associated with the authorization request.

### Claim 11 (depends on 8)

The system of claim 8, wherein the second authentication protocol comprises:
identifying, via the one or more processors, whether a second electronic device known to be associated with the user is within the predetermined proximity to the electronic device.

### Claim 12 (depends on 11)

The system of claim 11, wherein the second electronic device is a wearable device.

### Claim 13 (depends on 8)

The system of claim 8, wherein the server is configured to transmit the instruction to a software package operating on the one or more processors.