Online account access control by mobile device

A mobile device, comprising:

• a processor;
• and
• a computer readable medium coupled to the processor, wherein the computer readable medium includes code executable by the processor, the code operative to:
• send an access control message to a server, wherein the access control message includes an action to be performed on an online account, wherein the online account in accessed using login information;
• receive a user verification query message from the server;
• and
• send a user verification response message to the server, wherein the user verification response message includes verification information that is different from the login information for the online account;
• wherein if the user verification response message is verified by the server;
• the action is performed on the online account.

A system for controlling access to an online account, the system comprising:

• a processor;
• and
• a computer readable medium coupled to the processor, wherein the computer readable medium includes code executable by the processor, the code operative to:
• receive an access control message from a mobile device, wherein the access control message includes an action to be performed on an online account, wherein the online account is accessed using login information;
• send a user verification query message to the mobile device;
• receive a user verification response message from the mobile device, wherein the user verification response message includes verification information that is different from the login information for the online account;
• verify the user verification response message, wherein the verifying includes comparing the verification information to stored information;
• and
• if the user verification response message is verified, performing the action on an online account, wherein the action is based on the access control message.