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US 11,893,568 B1Granted
Automated proximity fraud account lock systems and methods
AssigneeUnited Services Automobile Association (USAA)
InventorsAndre Rene Buentello, David Alexander Lilley
Life of this patent
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Abstract
Methods and systems described in this disclosure for protecting one or more consumer accounts. In one implementation, the system includes a security device and a portable computing device. The portable computing device detects whether it is in proximity to the security device. When the portable computing device is in proximity to the security device, one or more consumer accounts associated with the portable computing device is permitted to be used in a transaction. When the portable computing device is not in proximity to the security device, one or more consumer accounts is prevented from being used in the transaction.
Claims20
A method comprising:
- sending, by a portable computing device, a transaction request for initializing a transaction using at least one user-selected consumer account, wherein the at least one user-selected consumer account is linked to a security device;
- in response to the transaction request, detecting, by the portable computing device, whether the security device is within a proximity to the portable computing device by determining whether the security device and the portable computing device are within communication range of each other,
- wherein the portable computing device is in communication with a point-of-sale terminal associated with a merchant, and wherein the security device and the portable computing device are associated with a user;
- in response to the portable computing device not being within the proximity to the security device, displaying, by the portable computing device, an option to lock or allow usage of the at least one user-selected consumer account linked to the security device;
- receiving, by the portable computing device, an indication that the user selected the option to lock the at least one user-selected consumer account linked to the security device;
- and
- in response to the indication to lock the at least one user-selected consumer account linked to the security device, locking by the portable computing device, the at least one user-selected consumer account to prevent the at least one user-selected consumer account from being used in the transaction with the point-of-sale terminal.
4 more elements
A system comprising:
- a portable computing device including:
- one or more processors;
- and
- one or more memories storing instructions that, when executed by the one or more processors, cause the system to perform a process comprising:
- sending, the portable computing device, a transaction request for initializing a transaction using at least one user-selected consumer account, wherein the at least one user-selected consumer account is linked to a security device;
- in response to the transaction request, detecting, by the portable computing device, whether the security device is within a proximity to the portable computing device by determining whether the security device and the portable computing device are within communication range of each other,
- wherein the portable computing device is in communication with a point-of-sale terminal associated with a merchant, and wherein the security device and the portable computing device are associated with a user;
- in response to the portable computing device not being within the proximity to the security device, displaying, by the portable computing device, an option to lock or allow usage of the at least one user-selected consumer account linked to the security device;
- receiving, ty the portable computing device, an indication that the user selected the option to lock the at least one user-selected consumer account linked to the security device;
- and
- in response to the indication to lock the at least one user-selected consumer account linked to the security device, locking by the portable computing device, the at least one user-selected consumer account to prevent the at least one user-selected consumer account from being used in the transaction with the point-of-sale terminal.
8 more elements
A non-transitory computer-readable medium storing instructions that, when executed by a computing system, cause the computing system to perform operations comprising:
- sending, by a portable computing device, a transaction request for initializing a transaction using at least one user-selected consumer account, wherein the at least one user-selected consumer account is linked to a security device;
- in response to the transaction request, detecting, by the portable computing device, whether the security device is within a proximity to the portable computing device by determining whether the security device and the portable computing device are within communication range of each other,
- wherein the portable computing device is in communication with a point-of-sale terminal associated with a merchant, and wherein the security device and the portable computing device are associated with a user;
- in response to the portable computing device not being within the proximity to the security device, displaying, by the portable computing device, an option to lock or allow usage of the at least one user-selected consumer account linked to the security device;
- receiving, ty the portable computing device, an indication that the user selected the option to lock the at least one user-selected consumer account linked to the security device;
- and
- in response to the indication to lock the at least one user-selected consumer account linked to the security device, locking by the portable computing device, the at least one user-selected consumer account to prevent the at least one user-selected consumer account from being used in the transaction with the point-of-sale terminal.
4 more elements
Dependencies are inferred from the claim text.