REAL-TIME SECURITY VERIFICATION FOR BANKING CARDS
First Claim
1. A method for authorizing purchases made with a bank card using a mobile device, comprising:
- receiving a request for a security response, wherein the request is received in response to an attempt to use the bank card to complete a purchase; and
in response to the request for a security response;
determining whether the bank card is within a predefined distance from the mobile device;
providing a first security response to authorize the purchase upon determining that the bank card is within the predefined distance from the mobile device; and
providing a second security response to reject the purchase upon determining that the bank card is not within the predefined distance from the mobile device.
1 Assignment
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Accused Products
Abstract
Embodiments of the invention provide a means for verifying that a person using a bank card at a point-of-sale merchant location is in fact a person authorized to use the bank card. In one embodiment of the invention, verification may involve communicating with the mobile device 103 associated with the person authorized to use the bank card. The person authorized to use the bank card may be required to send verification data to the bank card verification system via the mobile device to confirm a purchase. The bank card verification system may not authorize the purchase if the proper verification data is not received from the mobile device. In another embodiment, the bank card verification system may be configured to determine a proximity of the mobile device to the merchant point-of-sale location to verify the purchase.
52 Citations
21 Claims
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1. A method for authorizing purchases made with a bank card using a mobile device, comprising:
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receiving a request for a security response, wherein the request is received in response to an attempt to use the bank card to complete a purchase; and in response to the request for a security response; determining whether the bank card is within a predefined distance from the mobile device; providing a first security response to authorize the purchase upon determining that the bank card is within the predefined distance from the mobile device; and providing a second security response to reject the purchase upon determining that the bank card is not within the predefined distance from the mobile device. - View Dependent Claims (2, 3, 4, 5, 6, 7)
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8. A computer readable storage medium comprising a program product, which, when executed by a processor is configured to perform an operation for authorizing purchases made with a bank card using a mobile device, comprising:
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receiving a request for a security response, wherein the request is received in response to an attempt to use the bank card to complete a purchase; and in response to the request for a security response; determining whether the bank card is within a predefined distance from the mobile device; providing a first security response to authorize the purchase upon determining that the bank card is within the predefined distance from the mobile device; and providing a second security response to reject the purchase upon determining that the bank card is not within the predefined distance from the mobile device. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A system, comprising at least one server, and at least one mobile device associated with a person authorized to use a bank card, wherein the mobile device is configured to:
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receive a request for a security response from the server, wherein the request is received in response to an attempt to use the bank card to complete a purchase; and in response to the request for the security response; determine whether the bank card is within a predefined distance from the mobile device; provide a first security response to the server to authorize the purchase upon determining that the bank card is within the predefined distance from the mobile device; and provide a second security response to the server to reject the purchase upon determining that the bank card is not within the predefined distance from the mobile device. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification