Systems and methods of contactless card as one authentication factor for multiple factor authentication

Abstract

Systems and methods for authenticating a user using a contactless card as one authentication factor for multiple factor authentication are provided. In an exemplary embodiment, a server receives a first request of authenticating a user using a first authentication factor, authenticates the user using the first authentication factor, and receives a second request of authenticating the user using a contactless card as a second authentication factor. The server receives a cryptogram of the contactless card, validates the cryptogram, decrypts the cryptogram, and extracts a unique customer identifier of the contactless card. The server verifies the unique customer identifier, authenticates the user using the unique customer identifier, and transmits an authentication result of authenticating the user using the contactless card as the second authentication factor.

CPC Classifications