Contactless card and personal identification system

A method for dual factor authentication comprising:

• receiving encrypted data from a contactless card within a communication range of a short-range communication antenna;
• communicating the encrypted data to an authenticating device;
• soliciting a user personal identification number (PIN) in response to authentication of the encrypted data by the authenticating device;
• receiving an input PIN from a user interface;
• communicating the input PIN to the contactless card, the contactless card storing a record PIN;
• and
• authorizing a transaction request initiated in connection with the contactless card in response to matching of the input PIN with the record PIN by the contactless card.

A mobile device comprising:

• a processor;
• and
• a memory storing instructions that, when executed by the processor, cause the processor to:
• receive encrypted data from a contactless card within a communication range of a short-range communication antenna;
• communicate the encrypted data to an authenticating device;
• solicit a user personal identification number (PIN) in response to authentication of the encrypted data by the authenticating device;
• receive an input PIN;
• communicate the input PIN to a separate device storing a record PIN for the contactless card;
• and
• authorize a transaction initiated in connection with the contactless card in response to matching of the input PIN with the record PIN by the separate device.