US 11,748,755 B2
Security system for cards using environmental analysis
Sandeep Kumar Chauhan, Hyderabad (IN); and Jagadish Reddy, Hyderabad (IN)
Assigned to Bank of America Corporation, Charlotte, NC (US)
Filed by Bank of America Corporation, Charlotte, NC (US)
Filed on Jul. 30, 2021, as Appl. No. 17/389,508.
Prior Publication US 2023/0034821 A1, Feb. 2, 2023
Int. Cl. G06Q 20/34 (2012.01); G06Q 20/40 (2012.01)
CPC G06Q 20/4014 (2013.01) [G06Q 20/341 (2013.01)] 6 Claims
OG exemplary drawing
 
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.