CPC G06Q 20/4014 (2013.01) [G06Q 20/341 (2013.01)] | 6 Claims |
1. Apparatus for securing a transaction, the apparatus comprising a transaction card, the transaction card comprising:
a first microprocessor configured to exchange transaction data to effect a transaction by engagement of the first microprocessor with a transacting party;
a sensor configured to detect an environmental parameter, the parameter comprising a movement of the transaction card; and
a second microprocessor in electrical communication with the sensor and configured to:
derive a set of reference patterns during a series of activities comprising walking and working, each pattern based on (a) a transformation of a time series of signals output by the sensor, the transformation based on a relationship between the time series and a measurement of kinetic energy and (b) the disposition of the card at a location on a user body during the activity;
convert each pattern in the set of reference patterns to a hash value using a one-way hashing algorithm;
store the hash values corresponding to the reference patterns in an array of hash values;
derive an observed pattern during an activity comprising walking or working, the pattern based on (a) a transformation of a time series of signals output by the sensor, the transformation based on a relationship between the time series and a measurement of kinetic energy and (b) the disposition of the card at a location on a user body during the activity, the activity completed prior to user arrival at a point of sale;
determine whether a hash value computed from the observed pattern matches one of the hash values in the array; and
based at least in part on the match, set a flag to be applied when the card is used for a transaction at a point of sale, the flag set prior to user arrival at a point of sale and requiring an augmented authentication, the augmented authentication comprising one or more actions not present in a basic authentication required for the transaction.
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