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Detection of unauthorized account transactions

  • US 20030144952A1
  • Filed: 01/31/2002
  • Published: 07/31/2003
  • Est. Priority Date: 01/31/2002
  • Status: Active Grant
First Claim
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1. A method for detecting unauthorized use of an account comprising:

  • receiving a first request from a vendor to authorize an account transaction;

    sending a second request for authorization to an account holder;

    receiving a first electronic response from the account holder providing a personal identification number selected from a normal personal identification number and a duress personal identification number; and

    initiating remedial actions if the duress personal identification number is received.

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