The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.

The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.

Date of Patent:
May. 17, 2022

Filed:

Jan. 10, 2020
Applicant:

International Business Machines Corporation, Armonk, NY (US);

Inventors:

Nadiya Kochura, Bolton, MA (US);

Itzhack Goldberg, Hadera, IL;

Su Liu, Austin, TX (US);

Fang Lu, Billerica, MA (US);

Attorneys:
Primary Examiner:
Assistant Examiner:
Int. Cl.
CPC ...
G06Q 20/40 (2012.01); G06Q 20/38 (2012.01); G06Q 20/32 (2012.01); G06Q 40/02 (2012.01); G06Q 20/10 (2012.01);
U.S. Cl.
CPC ...
G06Q 20/40 (2013.01); G06Q 20/10 (2013.01); G06Q 20/32 (2013.01); G06Q 20/382 (2013.01); G06Q 40/02 (2013.01);
Abstract

A payment card system for authorization and authentication is provided. A computing device monitors one or more transactions to detect various security threats comprising one or more accounts. A computing device determines to elevate a security level associated, at least, with one account based, at least, in part, on detection of, at least, one security threat. A computing device generates at least one temporary personal identification number based, at least, on determination to elevate a security level associated, at least, with one account.


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