Patent ID: 9262761
Filing Date: 2016-02-16
CPC Classification: G06F,G06Q,G07F,H04L

Claim Text:
1. A method for authorizing use of an account by a user, the method comprising: providing, on a portable device, account data that includes a time-varying security code; programmatically varying a time-based value of the security code based on at least one of an algorithm or event; and enabling authorization and use of the account to be sought from an authorization agent using the account data provided on the portable device; wherein enabling authorization and use of the account includes: receiving, at the authorization agent, information corresponding to the user and the time-based value of the security code at a first time; independently determining, at the authorization agent, a current value of the security code at a current time; determining that the time-based value of the security code at the first time does not match the current value of the security code, but matches a previous value of the security code at a second time prior to the first time, the previous value being different than the current value; and if a difference between the second time and the current time is less than a threshold, transmitting a communication to a user terminal requesting the user to re-input the time-based value of the security code without authorizing the user.