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.
Patent No.:
Date of Patent:
Dec. 24, 2013
Filed:
Jul. 08, 2008
David C. Boutcher, Rochester, MN (US);
Raymond K. Harney, Rochester, MN (US);
Steven J. Munroe, Rochester, MN (US);
Jeffrey J. Scheel, Rochester, MN (US);
David C. Boutcher, Rochester, MN (US);
Raymond K. Harney, Rochester, MN (US);
Steven J. Munroe, Rochester, MN (US);
Jeffrey J. Scheel, Rochester, MN (US);
International Business Machines Corporation, Armonk, NY (US);
Abstract
Embodiments of the invention provide a means for verifying that a person using a bank card at a point-of-sale merchant location is in fact a person authorized to use the bank card. In one embodiment of the invention, verification may involve communicating with the mobile deviceassociated with the person authorized to use the bank card. The person authorized to use the bank card may be required to send verification data to the bank card verification system via the mobile device to confirm a purchase. The bank card verification system may not authorize the purchase if the proper verification data is not received from the mobile device. In another embodiment, the bank card verification system may be configured to determine a proximity of the mobile device to the merchant point-of-sale location to verify the purchase.