User Authentication and Authorization

摘要

Systems, methods and apparatuses for authenticating a user and/or authorizing use of a reusable payment device associated with the user. In some examples, user identifying information, such as a checking account number, driver's license number, username, or the like, may be received. Based on this received information, a reusable payment device number associated with a reusable payment device of the user may be determined. This information may then be encrypted. Further, additional authenticating information may be received. For instance, a user personal identification number (PIN) may be received. The PIN may also be encrypted. The encrypted PIN and encrypted reusable payment device number may be analyzed to determine whether they are associated with the same reusable payment device. If so, a user may be authenticated.

主权项

1. An apparatus, comprising:
at least one processor; and a memory storing computer-readable instructions that, when executed by the at least one processor, cause the apparatus to:
receive information identifying a user;determine, based on the received information identifying the user, a reusable payment device number of a reusable payment device associated with the user;encrypt the reusable payment device number;receive additional information to authenticate the user;encrypt the additional information;analyze the encrypted reusable payment device number and the encrypted additional information to determine whether the reusable payment device number and the additional information are associated with the same reusable payment device; andresponsive to determining that the reusable payment device number and additional information are associated with the same reusable payment device, authenticate the user.