Lenovo (singapore) Pte. Ltd.

Stacy John Cannady

Daryl Carvis Cromer

Rod D Waltermann

Randall Scott Springfield

David Carroll Challener

Mark Charles Davis

David Rivera

An apparatus, system, and method are disclosed for securely authorizing changes to a transaction restriction. A security module securely stores encryption keys for a payment instrument. The payment instrument electronically transacts payments and includes a transaction restriction. An authentication module receives an authentication from a user of the payment instrument. The security module validates the authentication with a first encryption key. In addition, the security module authorizes a change to the transaction restriction using a second encryption key if the authentication is valid. The security module resides on a computer that the user designates as authorized to validate the authentication.

Growing community of inventors

Knightdale, NC, United States of America

Stacy John Cannady