# US 12,182,812 B1 · Dynamic code payment card verification with cross-channel authentication > Agents: this data is available as JSON from the patentgrep API and MCP server — see https://patentgrep.com/llms.txt - Number: US 12,182,812 B1 - Document ID: US12182812B1 - Status: Granted - Kind: B1 - Application number: 18/169,078 - Filed: 2023-02-14 - Granted: 2024-12-31 - Earliest claimed: 2018-12-18 - Assignees: United Services Automobile Association (USAA) - Applicants: United Services Automobile Association (USAA) - Inventors: Patrick Adam - Web page: https://patentgrep.com/patent/US12182812B1 ## CPC - G06Q 20/401: {Transaction verification} - G06Q 20/20: Point-of-sale [POS] network systems - G06Q 20/322: {Aspects of commerce using mobile devices [M-devices]} - G06Q 20/3278: {RFID or NFC payments by means of M-devices} - G06Q 20/382: {insuring higher security of transaction} - G06Q 20/385: {using an alias or single-use codes} - 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 ## Abstract Embodiments described herein disclose methods and systems for authorizing a payment card transaction using a dynamic code accessed from a first device and a presence of a second device. The dynamic code can be accessed on a first device when the second device is within a proximity of the first device (e.g., electronically paired using a short-range communication protocol, on the same local area network). The system can receive a request for authorization of a transaction using the payment card and can include a verification code associated with the payment card and an identifier of the payment card, and the payment card can have the associated dynamic code. The verification code can be compared with a value of the dynamic code at the time of the transaction. In response to the verification code matching the dynamic code at the time of the transaction, the system can authorize the transaction. ## Claims ### Claim 1 A method comprising: receiving, by a first device, a request to display a dynamic code associated with a payment card to complete a transaction, in response to receiving the request to display the dynamic code, determining whether a second device of a second user is paired with the first device of a first user via a short-range communication protocol, using, by the first device, the short-range communication protocol to determine that the first device is within a distance threshold of the second device; in response to determining that the second device is paired with the first device and the first device is within the distance threshold of the second device, displaying the dynamic code on a user interface of the first device or the second device; and sending, from the first device, a request for authorization of the transaction, wherein the request identifies at least the dynamic code, wherein the transaction is authorized based on the first device being within the distance threshold of the second device and the dynamic code matching a current dynamic code at a time of the transaction. ### Claim 2 (depends on 1) The method of claim 1, further comprising: accessing, via the first device, a first channel within a time period prior to receiving the request to display the dynamic code associated with the payment card to complete the transaction. ### Claim 3 (depends on 1) The method of claim 1, further comprising: in response to the first user accessing a mobile application via the first device, receiving, by the first device, the dynamic code. ### Claim 4 (depends on 1) The method of claim 1, wherein the second device transmits the dynamic code to the first device in response to the first device being communicably coupled with the second device and the first user accessing a mobile application. ### Claim 5 (depends on 1) The method of claim 1, wherein the payment card is present at a physical merchant location, wherein the dynamic code replaces a security code associated with the payment card, and wherein the first user provides the dynamic code to an electronic device at the physical merchant location. ### Claim 6 (depends on 1) The method of claim 1, wherein the payment card is not present at a physical merchant location, and wherein the dynamic code replaces a security code associated with the payment card. ### Claim 7 A system comprising: 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: receiving, by a first device, a request to display a dynamic code associated with a payment card to complete a transaction, in response to receiving the request to display the dynamic code, determining whether a second device of a second user is paired with the first device of a first user via a short-range communication protocol, using, by the first device, the short-range communication protocol to determine that the first device is within a distance threshold of the second device; in response to determining that the second device is paired with the first device and the first device is within the distance threshold of the second device, displaying the dynamic code on a user interface of the first device or the second device; and sending, from the first device, a request for authorization of the transaction, wherein the request identifies at least the dynamic code, wherein the transaction is authorized based on the first device being within the distance threshold of the second device and the dynamic code matching a current dynamic code at a time of the transaction. ### Claim 8 (depends on 7) The system according to claim 7, wherein the process further comprises: accessing, via the first device, a first channel within a time period prior to receiving the request to display the dynamic code associated with the payment card to complete the transaction. ### Claim 9 (depends on 7) The system according to claim 7, wherein the process further comprises: in response to the first user accessing a mobile application via the first device, receiving, by the first device, the dynamic code. ### Claim 10 (depends on 7) The system according to claim 7, wherein the second device transmits the dynamic code to the first device in response to the first device being communicably coupled with the second device and the first user accessing a mobile application. ### Claim 11 (depends on 7) The system according to claim 7, wherein the payment card is present at a physical merchant location, wherein the dynamic code replaces a security code associated with the payment card, and wherein the first user provides the dynamic code to an electronic device at the physical merchant location. ### Claim 12 (depends on 7) The system according to claim 7, wherein the payment card is not present at a physical merchant location, and wherein the dynamic code replaces a security code associated with the payment card. ### Claim 13 A non-transitory computer-readable medium storing instructions that, when executed by a computing system, cause the computing system to perform operations comprising: receiving, by a first device, a request to display a dynamic code associated with a payment card to complete a transaction, in response to receiving the request to display the dynamic code, determining whether a second device of a second user is paired with the first device of a first user via a short-range communication protocol, using, by the first device, the short-range communication protocol to determine that the first device is within a distance threshold of the second device; in response to determining that the second device is paired with the first device and the first device is within the distance threshold of the second device, displaying the dynamic code on a user interface of the first device or the second device; and sending, from the first device, a request for authorization of the transaction, wherein the request identifies at least the dynamic code, wherein the transaction is authorized based on the first device being within the distance threshold of the second device and the dynamic code matching a current dynamic code at a time of the transaction. ### Claim 14 (depends on 13) The non-transitory computer-readable medium of claim 13, wherein the operations further comprise: accessing, via the first device, a first channel within a time period prior to receiving the request to display the dynamic code associated with the payment card to complete the transaction. ### Claim 15 (depends on 13) The non-transitory computer-readable medium of claim 13, wherein the operations further comprise: in response to the first user accessing a mobile application via the first device, receiving, by the first device, the dynamic code. ### Claim 16 (depends on 13) The non-transitory computer-readable medium of claim 13, wherein the second device transmits the dynamic code to the first device in response to the first device being communicably coupled with the second device and the first user accessing a mobile application. ### Claim 17 (depends on 13) The non-transitory computer-readable medium of claim 13, wherein the payment card is present at a physical merchant location, wherein the dynamic code replaces a security code associated with the payment card, and wherein the first user provides the dynamic code to an electronic device at the physical merchant location.