# US 11,443,314 B2 · Data security system using mobile communications device > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 11,443,314 B2 - Document ID: US11443314B2 - Status: Granted - Kind: B2 - Application number: 16/664,386 - Filed: 2019-10-25 - Published: 2020-02-20 - Granted: 2022-09-13 - Earliest claimed: 2012-02-22 - Assignees: Visa International Service Association - Applicants: Visa International Service Association - Inventors: Stacy Pourfallah; Jessica Yang; Shilpak Mahadkar - Web page: https://patentgrep.com/patent/US11443314B2 ## CPC - G06Q 20/4012: {Verifying personal identification numbers [PIN]} - G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems - G06Q 20/1085: {involving automatic teller machines [ATMs]} - G06Q 20/3221: {Access to banking information through M-devices} - G06Q 20/425: {using two different networks, one for transaction and one for security confirmation} - G06Q 40/02: Banking, e.g. interest calculation or account maintenance (credit or loans G06Q40/03) - H04L 63/083: {using passwords (cryptographic mechanisms or cryptographic arrangements for entity authentication using a predetermined code H04L9/3226)} - H04L 63/108: {when the policy decisions are valid for a limited amount of time} - H04W 12/61: Time-dependent - H04W 12/06: Authentication - G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR - H04L: TRANSMISSION OF DIGITAL INFORMATION, e.g. TELEGRAPHIC COMMUNICATION (arrangements common to telegraphic and telephonic communication H04M) - H04W: WIRELESS COMMUNICATION NETWORKS (broadcast communication H04H; communication systems using wireless links for non-selective communication, e.g. wireless extensions H04M1/72) ## Abstract Embodiments of the invention provide systems and methods to unlock an account associated with a user for a limited period of time to enable the user conduct a transaction using funds from that account. In one embodiment of the invention, the user may select options relating to the transaction using a payment menu provided at a mobile communications device associated with the user. A notification message is received at the mobile communications device informing the user that the account is unlocked for a certain period of time and for a certain amount. After the transaction is complete, the user is notified and the account is locked again. ## Claims ### Claim 1 A method comprising: receiving, at a 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. ### Claim 2 (depends on 1) The method of claim 1, further comprising: locking the account after the limited period of time expires. ### Claim 3 (depends on 1) The method of claim 1, further comprising: sending a message to the issuer associated with the account to notify unlocking of the account. ### Claim 4 (depends on 1) The method of claim 1, further comprising: transmitting, by the server computer, a notification message indicating that the account associated with the user is unlocked. ### Claim 5 (depends on 4) The method of claim 4, wherein the notification message comprises a current balance associated with the account. ### Claim 6 (depends on 1) The method of claim 1, wherein the transactions are conducted on the account using the mobile communications device. ### Claim 7 (depends on 1) The method of claim 1, wherein the transactions are conducted on the account using a payment card. ### Claim 8 (depends on 1) The method of claim 1, wherein the transactions are conducted on the account using a token. ### Claim 9 (depends on 1) The method of claim 1, wherein the method further comprises: obtaining a current location of the mobile communications device; generating a list of automated teller machines closest to the mobile communications device using the current location; and providing the list of automated teller machines to the mobile communications device. ### Claim 10 (depends on 1) The method of claim 1, wherein receiving the passcode by the server computer is in response to transmitting the request for the passcode. ### Claim 11 (depends on 1) The method of claim 1, wherein receiving the plurality of first authorization request messages comprises receiving the plurality of first authorization request messages from one or more access devices, automated teller machines, client computers, and/or agent mobile devices. ### Claim 12 (depends on 1) The method of claim 1, wherein the first authorization request messages, of the plurality of first authorization request messages, further comprise the personal identification number (PIN). ### Claim 13 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. ### Claim 14 (depends on 13) The server computer of claim 13, wherein the request message further includes a selected transaction type, from two or more types of transactions, to unlock. ### Claim 15 (depends on 14) The server computer of claim 14, wherein the selected transaction type includes an automated teller machine transaction, and wherein the method further comprises: obtaining a current location of the mobile communications device; generating a list of automated teller machines closest to the mobile communications device using the current location; and providing the list of automated teller machines to the mobile communications device. ### Claim 16 (depends on 13) The server computer of claim 13, the method further comprising locking the account after the limited period of time expires. ### Claim 17 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. ### Claim 18 (depends on 17) The method of claim 17, wherein a payment menu is provided at the mobile communications device with options relating to the two or more transactions. ### Claim 19 (depends on 18) The method of claim 18, wherein the request message is generated in response to selecting an option on the payment menu. ### Claim 20 (depends on 18) The method of claim 18, wherein the request message is generated in response to providing the passcode.