SITUATIONAL ACCESS OVERRIDE
First Claim
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1. A method of limiting access to a financial instrument of a person based on data collected by at least one sensor at a time of a transaction, the method comprising:
- receiving, responsive to initiating a financial transaction, a stress indicator from an apparatus proximate the person;
comparing the stress indicator to a threshold value;
enabling, at a device associated with the transaction, full access to the financial instrument when the stress indicator satisfies a condition relative to the threshold value; and
disabling, at the device associated with the transaction, full access to the financial instrument when the stress indicator fails to satisfy the condition relative to the threshold value.
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Abstract
One or more sensors are used to evaluate whether a user of a financial instrument is under duress by evaluating information collected about the user at the time of a transaction. If one or more stress indicators are above a predetermined threshold level, full access to the financial instrument may be disabled. Transaction risk rules may be increased, transaction amounts may be limited, or transactions may be blocked entirely if full access is disabled.
23 Citations
20 Claims
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1. A method of limiting access to a financial instrument of a person based on data collected by at least one sensor at a time of a transaction, the method comprising:
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receiving, responsive to initiating a financial transaction, a stress indicator from an apparatus proximate the person; comparing the stress indicator to a threshold value; enabling, at a device associated with the transaction, full access to the financial instrument when the stress indicator satisfies a condition relative to the threshold value; and disabling, at the device associated with the transaction, full access to the financial instrument when the stress indicator fails to satisfy the condition relative to the threshold value. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14)
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15. A method of managing access to a financial instrument based on a sensed condition, the method comprising:
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receiving the sensed condition from a biometric sensor associated with a person having access to the financial instrument; comparing the sensed condition to a threshold value; and limiting access to the financial instrument when the sensed condition fails to satisfy a requirement relative to the threshold value.
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16. A machine for accessing funds from a financial instrument comprising:
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a display hosting a user interface; a network interface that communicates with an entity that stores at least one threshold stress value pertaining to a person; a biometric sensor that captures a stress indicator associated with the person during a transaction with the machine; a processor programmed to use the network interface to send the stress indicator to the entity; and the processor further programmed to present a message on the display denying access to the financial instrument when the entity determines that the stress indicator fails to satisfy a requirement relative to the at least one threshold stress value pertaining to the person stored at the entity. - View Dependent Claims (17, 18, 19, 20)
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Specification