Patent ID: 8788389
Filing Date: 2014-07-22
Classification: G06F,G06Q,H04W

Abstract:
1. A computer-implemented method for providing a user with an account lock feature for an electronic financial account, the method comprising: receiving, at a server device from a first device associated with the user, a request to lock the electronic financial account, the request being routed through a short message component or a data message component of a communication system, and the first device associated with the user being used to communicate via the communication system; producing, using a processor in communication with the server device and in response to the request to lock the electronic financial account, a lock account command, the lock account command being used to limit usage of the electronic financial account for a financial transaction; receiving, at the server device from a second device that is operated by the user, a request to unlock the electronic financial account; and producing, using the processor and in response to the request to unlock the account when the first device is not the same as the second device, an account unlock command, the account unlock command being used to restore functionality associated with the electronic financial account, and the processor not producing the account unlock command when the first device is the same as the second device; wherein the user is an owner of the electronic financial account.