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Methods and Systems for Two-Factor Authentication Using Contactless Chip Cards or Devices and Mobile Devices or Dedicated Personal Readers
Methods and Systems for Two-Factor Authentication Using Contactless Chip Cards or Devices and Mobile Devices or Dedicated Personal Readers
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机译:使用非接触式芯片卡或设备以及移动设备或专用个人读取器进行两因素身份验证的方法和系统
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摘要
Generating authentication data for use in a transaction by providing a contactless payment device or smart card configured to communicate with a mobile device, placing the contactless chip card in a proximity to the mobile device to instantiate communication between the contactless chip card and the mobile device, inputting a first input value into the mobile device, communicating data derived from the first input value from the mobile device to the contactless chip card, the contactless chip card converting a set of conversion data, including the first input value, into at least one dynamic value based at least in part on a secret value, communicating the dynamic value from the contactless chip card to the mobile device, and communicating authentication data based at least in part on the dynamic value to a user. In some embodiments the first input value is a Personal Identification Number (PIN), a challenge, or both a PIN and a challenge.
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