US Patent 11037139 Systems and methods for smart card mobile device authentication

A method of authenticating a mobile pay feature on a mobile device using a smart card is disclosed. The method includes offering a mobile pay functionality to a user on a mobile device and receiving an affirmative user input to enable the mobile pay functionality. A contactless logic disposed in the mobile device receives an encrypted authentication code from a subject smart card and attempts to authorize the mobile device user and the mobile device itself to use the smart card for mobile pay transactions. Once the mobile device and the user are authorized, the mobile pay function is enabled.