Abstract: Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to transmit an authentication request. The processor may be configured to receive a first response that is responsive to the authentication request, the first response comprising a first cryptogram. The processor may be configured to generate a first challenge based on the first response. The processor may be configured to encrypt the first challenge with a symmetric key. The processor may be configured to transmit the first challenge receive a second response that is responsive to the first challenge, the second response comprising a second cryptogram. The processor may be configured to authenticate the second response.

Abstract: Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to transmit an authentication request. The processor may be configured to receive a first response that is responsive to the authentication request, the first response comprising a first cryptogram. The processor may be configured to generate a first challenge based on the first response. The processor may be configured to encrypt the first challenge with a symmetric key. The processor may be configured to transmit the first challenge receive a second response that is responsive to the first challenge, the second response comprising a second cryptogram. The processor may be configured to authenticate the second response.

Abstract: A method is provided for communicating with a transaction card having a card data processor, a near card field communication (NFC) interface, and a card memory having a unique card identifier stored therein. In this method, a user communication device establishes an NFC session with the transaction card and transmits to the transaction card an NFC data exchange format (NDEF) WRITE TAG command including session-specific challenge information. The user communication device transmits to the transaction card an NDEF READ TAG command and receives from the transaction card, card-specific challenge response information. The challenge response information is then used to authenticate the transaction card.

Abstract: Systems, methods, and computer-accessible mediums for user verification through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. User verification may be provided in the context of reading two types of data from the short-range transceiver, such as a contactless card, using a client device, sending the data to a server, obtaining identifiers from each data type and comparing with stored user identifier data. Matching stored user identifier data to two forms of identification data obtained from a short-range transceiver, such as a contactless card, provides an enhanced ability to verify that the short-range transceiver is being used by an authorized user.

Abstract: Systems, methods, and computer-accessible mediums for user verification through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. User verification may be provided in the context of reading two types of data from the short-range transceiver, such as a contactless card, using a client device, sending the data to a server, obtaining identifiers from each data type and comparing with stored user identifier data. Matching stored user identifier data to two forms of identification data obtained from a short-range transceiver, such as a contactless card, provides an enhanced ability to verify that the short-range transceiver is being used by an authorized user.

Abstract: A method is provided for communicating with a transaction card having a card data processor, a near card field communication (NFC) interface, and a card memory having a unique card identifier stored therein. In this method, a user communication device establishes an NFC session with the transaction card and transmits to the transaction card an NFC data exchange format (NDEF) WRITE TAG command including session-specific challenge information. The user communication device transmits to the transaction card an NDEF READ TAG command and receives from the transaction card, card-specific challenge response information. The challenge response information is then used to authenticate the transaction card.

Abstract: Systems and methods for authentication may include an authentication server. The authentication server may include a processor and a memory. The processor may be configured to transmit an authentication request. The processor may be configured to receive a first response that is responsive to the authentication request, the first response comprising a first cryptogram. The processor may be configured to generate a first challenge based on the first response. The processor may be configured to encrypt the first challenge with a symmetric key. The processor may be configured to transmit the first challenge receive a second response that is responsive to the first challenge, the second response comprising a second cryptogram. The processor may be configured to authenticate the second response.

Abstract: A method is provided for communicating with a transaction card having a card data processor, a near card field communication (NFC) interface, and a card memory having a unique card identifier stored therein. In this method, a user communication device establishes an NFC session with the transaction card and transmits to the transaction card an NFC data exchange format (NDEF) WRITE TAG command including session-specific challenge information. The user communication device transmits to the transaction card an NDEF READ TAG command and receives from the transaction card, card-specific challenge response information. The challenge response information is then used to authenticate the transaction card.

Abstract: Systems, methods, and computer-accessible mediums for user verification through the interaction of a short-range transceiver, such as a contactless card, with a client device are presented. User verification may be provided in the context of reading two types of data from the short-range transceiver, such as a contactless card, using a client device, sending the data to a server, obtaining identifiers from each data type and comparing with stored user identifier data. Matching stored user identifier data to two forms of identification data obtained from a short-range transceiver, such as a contactless card, provides an enhanced ability to verify that the short-range transceiver is being used by an authorized user.