Patent ID: 8880027

Claim:
A method performed by a computing device, the method comprising: at the computing device, wirelessly receiving an authentication code from an authentication card via near-field communications (NFC); providing the authentication code received wirelessly via NFC to an authentication service configured to authenticate a user of the computing device based on the authentication code; and in response to the authentication service authenticating the user based on the authentication code received wirelessly via NFC, providing the user with access to a resource via the computing device; wherein wirelessly receiving the authentication code from the authentication card via NFC is performed in response to the user attempting to access the resource via the computing device; wherein the method further comprises, subsequent to providing the user with access to the resource via the computing device: receiving a follow-up attempt request from the user to attempt to access the resource via the computing device again after a period of time; performing a risk-based analysis to determine whether access to the resource is high-risk or low-risk; and selectively: allowing the user to access the resource without further use of the authentication card if the access to the resource has been determined to be low-risk by the risk-based analysis; and prompting the user to present the authentication card for further authentication if the access to the resource has been determined to be high-risk by the risk-based analysis.