Real-time security verification for banking cards
First Claim
1. A method for authorizing purchases made with a bank card, comprising:
- receiving bank card data from a merchant, wherein the bank card data indicates that a purchase using the bank card is being attempted;
in response to receiving the bank card data;
prompting a mobile device associated with a person authorized to use the bank card to determine a distance from the mobile device to the bank card, wherein, in response to the prompt, the mobile device receives a wireless signal emitted from the bank card and estimates the distance between the mobile device and the bank card based on the wireless signal;
upon determining that the estimated distance is within a predefined distance, authorizing the purchase;
upon determining that the estimated distance is not within the predefined distance;
requesting at least one of a first and second security codes from the mobile device, wherein the mobile device is configured to transmit the first security code when the purchase is authorized, and transmit the second security code when the purchase is based on illegal activity, wherein both the first and second security codes are provided by the authorized person;
after requesting the at least one security code;
receiving a message from the mobile device that includes at least one of the first and second security codes;
upon determining that the message includes the first security code, authorizing the purchase; and
upon determining that the message includes the second security code, rejecting the purchase.
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.
43 Citations
21 Claims
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1. A method for authorizing purchases made with a bank card, comprising:
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receiving bank card data from a merchant, wherein the bank card data indicates that a purchase using the bank card is being attempted; in response to receiving the bank card data; prompting a mobile device associated with a person authorized to use the bank card to determine a distance from the mobile device to the bank card, wherein, in response to the prompt, the mobile device receives a wireless signal emitted from the bank card and estimates the distance between the mobile device and the bank card based on the wireless signal; upon determining that the estimated distance is within a predefined distance, authorizing the purchase; upon determining that the estimated distance is not within the predefined distance; requesting at least one of a first and second security codes from the mobile device, wherein the mobile device is configured to transmit the first security code when the purchase is authorized, and transmit the second security code when the purchase is based on illegal activity, wherein both the first and second security codes are provided by the authorized person; after requesting the at least one security code; receiving a message from the mobile device that includes at least one of the first and second security codes; upon determining that the message includes the first security code, authorizing the purchase; and upon determining that the message includes the second security code, rejecting the purchase. - 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, comprising:
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receiving bank card data from a merchant, wherein the bank card data indicates that a purchase using the bank card is being attempted; in response to receiving the bank card data; prompting a mobile device associated with a person authorized to use the bank card to determine a distance from the mobile device to the bank card, wherein, in response to the prompt, the mobile device receives a wireless signal emitted from the bank card and estimates the distance between the mobile device and the bank card based on the wireless signal; upon determining that the estimated distance is within a predefined distance, authorizing the purchase; upon determining that the estimated distance is not within the predefined distance; requesting at least one of a first and second security codes from a mobile device associated with a person authorized to use the bank card, wherein the mobile device is configured to transmit the first security code when the purchase is authorized, and transmit the second security code when the purchase is based on illegal activity, wherein both the first and second security codes are provided by the authorized person; after requesting the at least one security code; receiving a message from the mobile device that includes at least one of the first and second security codes; upon determining that the message includes the first security code, authorizing the purchase; and upon determining that the message includes the second security code, rejecting the purchase. - View Dependent Claims (9, 10, 11, 12, 13, 14)
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15. A system, comprising at least one merchant computer, at least one server, and at least one mobile device associated with a person authorized to use a bank card, wherein the merchant computer is configured to send bank card data to the server, the bank card data indicating that a purchase using the bank card is being attempted, and wherein the server, in response to receiving the bank card data, is configured to:
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prompt the mobile device to determine a distance from the mobile device to the bank card, wherein, in response to the prompt, the mobile device receives a wireless signal emitted from the bank card and estimates the distance between the mobile device and the bank card based on the wireless signal; upon determining that the estimated distance is within a predefined distance, authorize the purchase; upon determining that the estimated distance is not within the predefined distance; request at least one of a first and second security codes from the mobile device, wherein the mobile device is configured to transmit the first security code when the purchase is authorized, and transmit the second security code when the purchase is based on illegal activity, wherein both the first and second security codes are provided by the authorized person; after requesting the at least one security code; receive a message from the mobile device that includes at least one of the first and second security codes; upon determining that the message includes the first security code, authorize the purchase; and upon determining that the message includes the second security code, reject the purchase. - View Dependent Claims (16, 17, 18, 19, 20, 21)
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Specification