Patent ID: 9378502
Filing Date: 2016-06-28
CPC Classification: G06Q

Claim Text:
1. A device comprising: at least one computer memory that is not a transitory signal and that comprises instructions executable by at least one processor to: receive a first factor for authentication; determine whether the first factor is correct; responsive to a determination that the first factor is correct, request a second factor for authentication; receive the second factor; determine whether the second factor is correct; responsive to a determination that the second factor is correct, return a first signal required to permit a transaction for a requested amount; responsive to a determination that the second factor is incorrect, return a second signal causing the transaction to be permitted for an amount not exceeding a non-zero threshold amount, regardless of whether the requested amount is greater than the threshold amount; and responsive to a determination that the first factor is incorrect, deny the transaction, or return the second signal.