Authorizing transactions using negative pin messages
US11151576B2 · kind B2 · utility
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16References
20Claims
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Key dates
| Filing date | Apr 5, 2019 |
| Grant date | Oct 19, 2021 |
| Priority date | — |
| Expiry date | Oct 22, 2039 |
Classification
- Technology area (CPC G)Physics
- CPC primaryG06Q2220/00
- WIPO fieldIT methods for management
- WIPO sectorElectrical engineering
Abstract
A method for authenticating a transaction includes: receiving, by a transaction processing unit of a computing system, a request for a transaction on a user account; generating, by the transaction processing unit, a personal identification number (PIN) and/or alert message; transmitting the PIN to a mobile device associated with the user account after a person requesting the transaction refuses authentication by a PIN-to-device process; and canceling, by the transaction processing unit, the transaction when a response to the PIN and/or alert message is received from the mobile device within a specified period of time.
Source: USPTO / EPO open patent data. Objective bibliographic and citation counts.