Patent ID: 11887123
Assignee: WELLS FARGO BANK, N.A.
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 10:
11. A system comprising:
a payment card comprising:
an integrated circuit configured to generate a first signal including account information of the payment card to initiate a financial transaction with a point of sale device, and
a piezoelectric effect material embedded on the payment card, wherein when initiating the financial transaction, the piezoelectric effect material generates a second signal having a pattern unique to a user of the payment card in response to mechanical stress applied to the piezoelectric effect material by a portion of the user's body; and

a server device of a financial institution comprising:
a memory configured to store a predetermined signal pattern for the user; and
a processor, communicatively coupled to the memory, configured to:
receive an authorization request for the financial transaction from the point of sale device, the authorization request including the account information of the payment card from the first signal and the pattern of the second signal generated by the piezoelectric effect material embedded on the payment card, and
based on matching the pattern of the second signal to the predetermined signal pattern for the user, transmit a third signal authorizing the financial transaction at the point of sale device using the account information of the payment card.