Data security system using mobile communications device

A server computer comprising a processor, and a non-transitory computer readable medium, the computer readable medium coupled to the processor and including encoded instructions executable by the processor for implementing a method comprising:

• receiving, at the server computer from a mobile communications device, a request message to unlock an account associated with a user for conducting two or more transactions on the account;
• transmitting, by the server computer to the mobile communications device, a request for a passcode, a total number of transactions, and an unlock amount;
• receiving, by the server computer from the mobile communications device, the passcode, the unlock amount, and the total number of transactions specified by the user;
• verifying, by the server computer, the passcode based on account information associated with the user stored in a database communicatively coupled to the server computer;
• unlocking, by the server computer, the account for a limited period of time, for the unlock amount, and for the total number of transactions, to allow conducting transactions using the account within the limited period of time and for the total number of transactions using a personal identification number (PIN), wherein a total amount associated with the transactions is less than or equal to the unlock amount;
• receiving a plurality of first authorization request messages, corresponding to a respective plurality of first transactions, comprising a respective plurality of first transaction amounts;
• determining, by a lock-unlock module in the server computer, that (a) a total of the first transaction amounts is less than the unlock amount and (b) that the limited period of time has not elapsed, based on a timer in the server computer;
• transmitting the plurality of first authorization request messages, corresponding to the respective plurality of first transactions, to an issuer of the account for approval;
• receiving a subsequent authorization request message comprising a subsequent transaction amount for a subsequent transaction;
• determining, by the lock-unlock module in the server computer, that a sum of the subsequent transaction amount and the total of the first transaction amounts exceeds the unlock amount;
• and
• transmitting an authorization response message declining the subsequent transaction.

A method comprising:

• transmitting, to a server computer by a mobile communications device, a request message to unlock an account associated with a user for conducting two or more transactions on the account;
• receiving, at the server computer from the mobile communications device, the request message to unlock the account associated with the user for conducting the two or more transactions on the account;
• transmitting, by the server computer to the mobile communications device, a request for a passcode, a total number of transactions, and an unlock amount specified by the user;
• transmitting, to the server computer, the passcode and the unlock amount specified by the user;
• receiving, by the server computer from the mobile communications device, the passcode, the unlock amount, and the total number of transactions specified by the user;
• verifying, by the server computer, the passcode based on account information associated with the user stored in a database communicatively coupled to the server computer;
• unlocking, by the server computer, the account for a limited period of time, for the unlock amount, and for the total number of transactions, to allow conducting transactions using the account within the limited period of time and for the total number of transactions using a personal identification number (PIN), wherein a total amount associated with the transactions is less than or equal to the unlock amount;
• receiving, by the mobile communications device from the server computer, a notification message at the mobile communications device indicating that the account associated with the user is unlocked;
• generating, by the mobile communications device, an output message comprising the notification message;
• and
• presenting, by the mobile communications device, the output message;
• receiving, by the server computer, a plurality of first authorization request messages, corresponding to a respective plurality of first transactions, comprising a respective plurality of first transaction amounts;
• determining, by a lock-unlock module in the server computer, that (a) a total of the first transaction amounts is less than the unlock amount and (b) that the limited period of time has not elapsed, based on a timer in the server computer;
• transmitting, by the server computer, the plurality of first authorization request messages, corresponding to the respective plurality of first transactions, to an issuer of the account for approval;
• receiving, by the server computer, a subsequent authorization request message comprising a subsequent transaction amount for a subsequent transaction;
• determining, by the lock-unlock module in the server computer, that a sum of the subsequent transaction amount and the total of the first transaction amounts exceeds the unlock amount;
• and
• transmitting, by the server computer, an authorization response message declining the subsequent transaction.