US Patent 11372958 Multi-channel authentication using smart cards

Embodiments described herein disclose technology for authenticating a user. In some embodiments, a smart card or other similar authentication device can be associated with a user profile. When a request to interact is received via an application associated with a device, the system prompts the user to waive the smart card within a threshold proximity of the device. In response to the smart card being placed within the proximity, the system collects information from the smart card and verifies that the smart card is associated with the user profile of the user. In response to verifying the information from the smart card, the system authenticates the user and allows the user to interact.