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Limiting e-card transactions based on lack of proximity to associated CE device

  • US 9,953,323 B2
  • Filed: 09/23/2014
  • Issued: 04/24/2018
  • Est. Priority Date: 09/23/2014
  • Status: Active Grant
First Claim
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1. Apparatus comprising:

  • at least one computer memory that is not a transitory signal and that comprises instructions executable by at least one processor to;

    determine, at least in part based on detecting a near field communication (NFC) signal from an electronic transaction card (e-card), that the e-card is sought to be used to execute a transaction with a point of sale (POS) device, the transaction including a requested monetary amount;

    responsive to determining that the e-card is sought to be used to execute a transaction with the POS device, determine whether an authenticating device separate from the e-card is proximate to the e-card at least in part based on receiving respective NFC signals from both the e-card and the authenticating device, wherein the authenticating device is embodied as a consumer electronics (CE) device associated with an owner of the e-card;

    responsive to a determination that the authenticating device separate from the e-card is proximate to the e-card, permit the transaction to be completed at the requested monetary amount; and

    responsive to a determination that the authenticating device separate from the e-card is not proximate to the e-card based at least in part on not receiving an NFC signal from at least one of;

    the e-card, and the authenticating device, not permit the transaction to be completed at the requested monetary amount.

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