Self-service payment card security system

US12033149B1 · kind B1 · utility

Assignee

• United Services Automobile Association (USAA) · US

Inventors

• Nathan Scott Harman · Krugerville, US
• Ashley Nicole Munoz · Frisco, US
• Matthew David LaBrenz · Lewisville, US
• Mark Jeffrey Wallace · Little Elm, US
• Bryan Leonard Bain · San Antonio, US
• William Daniel Farmer · Carrollton, US
• James Edward Finley, Jr. · McKinney, US
• Arthur Vajirasarn · Plano, US

Key dates

• Filing date: Jul 2, 2021
• Grant date: Jul 9, 2024
• Expiry date: Oct 26, 2041

Classification

• Technology area (CPC G): Physics
• CPC primary: G06Q20/42
• WIPO field: IT methods for management
• WIPO sector: Electrical engineering

Abstract

A payment card security system includes a payment card provider account system communicatively coupled to a payment card transaction device and a mobile device. The payment card transaction device sends an indication that a payment card is being used to perform a transaction. The payment card provider account system includes processors that receive the indication that the payment card is being used to perform the transaction from the payment card transaction device. The processors also send a notification indicating that the payment card is being used to perform the transaction. The processors further enable authorization of the transaction via the mobile device. In this manner, the payment card security system may prevent or reduce the occurrence of suspicious transactions as they are occurring, rather than waiting until after they have occurred.