NFC Card Verification
AssigneePaypal, Inc.
InventorSuhil Srinivas Vakklaganti
Life of this patent
Estimating the term…
Abstract
Methods and systems are provided for verifying the possession of a card, such as a credit card or a debit card, by a card user. Possession of the card can be verified, for example, when a purchase transaction, such as a telephone purchase transaction or an online purchase transaction, is attempted with the card and the purchase transaction is denied due to suspected account take over. Possession of the card can be verified by detecting the present of the card with a mobile device of the user, such as a smart phone. For example, possession of the card can be verified by near field communication (NFC) between the card and the mobile device, wherein the communication is sufficient to adequately determine the presence of the card.
Claims20
A system comprising:
- one or more memories storing account information regarding an account of a card user;
- one or more hardware processors in communication with the one or more memories and operable to:
- access the one or more memories to determine that the account is subject to account take over restrictions;
- send a first communication to a mobile device of the card user requesting verification of a card via the mobile device;
- receive a second communication from the mobile device indicating that a presence of the card has been detected by the mobile device and providing card information;
- determine, at least in part from the card information and from the account information, if the card is an authorized card of the account;
- and
- access the one or more memories to remove the account take over restrictions if the card is the authorized card of the account.
A method comprising:
- storing, in one or more memories, account information regarding an account of a card user;
- accessing, via one or more hardware processors, the one or more memories to determine that the account is subject to account take over restrictions;
- sending, via the one or more hardware processors, a first communication to a mobile device of the card user requesting verification of a card via the mobile device;
- receiving, via the one or more hardware processors, a second communication from the mobile device indicating that a presence of the card has been detected by the mobile device and providing card information;
- determining, via the one or more hardware processors, at least in part from the card information and from the account information, if the card is an authorized card of the account;
- and
- accessing, via the one or more hardware processors, the one or more memories to remove the account take over restrictions if the card is the authorized card of the account.
A computer program product comprising a non-transitory computer readable medium having computer readable and executable code for instructing one or more processors to perform a method, the method comprising:
- storing account information regarding an account of a card user;
- determining that the account is subject to an account take over restrictions;
- sending a first communication to a mobile device of the card user requesting verification of a card via the mobile device;
- receiving a second communication from the mobile device indicating that a presence of the card has been detected by the mobile device and providing card information;
- determining, at least in part from the card information and from the account information, if the card is an authorized card of the account;
- and
- removing the account take over restrictions if the card is the authorized card of the account.
Dependencies are inferred from the claim text.