Patent ID: 11893568
Assignee: UNITED SERVICES AUTOMOBILE ASSOCIATION (USAA)
Field: IT methods for management (Electrical engineering)
Classification: CPC G  H | IPC G  H

Claim 0:
1. A method comprising:
sending, by a portable computing device, a transaction request for initializing a transaction using at least one user-selected consumer account, wherein the at least one user-selected consumer account is linked to a security device;
in response to the transaction request, detecting, by the portable computing device, whether the security device is within a proximity to the portable computing device by determining whether the security device and the portable computing device are within communication range of each other,
wherein the portable computing device is in communication with a point-of-sale terminal associated with a merchant, and wherein the security device and the portable computing device are associated with a user;

in response to the portable computing device not being within the proximity to the security device, displaying, by the portable computing device, an option to lock or allow usage of the at least one user-selected consumer account linked to the security device;
receiving, by the portable computing device, an indication that the user selected the option to lock the at least one user-selected consumer account linked to the security device; and
in response to the indication to lock the at least one user-selected consumer account linked to the security device, locking by the portable computing device, the at least one user-selected consumer account to prevent the at least one user-selected consumer account from being used in the transaction with the point-of-sale terminal.