Patent ID: 11954669
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: IT methods for management (Electrical engineering)
Classification: CPC G | IPC G

Claim 0:
1. A payment card, comprising:
a card body;
a radio frequency identification (RFID) chip coupled to or embedded within the card body and storing a unique number associated with a user of the payment card;
an antenna coupled to the RFID chip, the antenna being configured to communicate the unique number to an RFID reader of an electronic device of the user as an authentication step for the payment card, wherein the electronic device of the user is different from a point-of-sale terminal, wherein the authentication step comprises:
determining whether the RFID chip is located within a predetermined proximity to the electronic device based on a communication from the antenna to the RFID reader of the electronic device;
when the payment card is determined to be located within the predetermined proximity to the electronic device, executing a first authentication protocol; and
when the payment card is determined not to be located within the predetermined proximity to the electronic device, executing a second authentication protocol comprising transmitting an authentication prompt to the electronic device requesting the user to enter an authentication response; and

a chip disposed on the card body and storing data on one or more integrated circuits, the chip being configured to communicate with the point-of-sale terminal to initiate a payment using the payment card when the chip is physically inserted within the point-of-sale terminal.