Patent ID: 8632002

Claim:
A method for authorizing purchases made with a bank card, comprising: receiving bank card data from a merchant, wherein the bank card data indicates that a purchase using the bank card is being attempted; in response to receiving the bank card data: prompting a mobile device associated with a person authorized to use the bank card to determine a distance from the mobile device to the bank card, wherein, in response to the prompt, the mobile device receives a wireless signal emitted from the bank card and estimates the distance between the mobile device and the bank card based on the wireless signal; upon determining that the estimated distance is within a predefined distance, authorizing the purchase; upon determining that the estimated distance is not within the predefined distance: requesting at least one of a first and second security codes from the mobile device, wherein the mobile device is configured to transmit the first security code when the purchase is authorized, and transmit the second security code when the purchase is based on illegal activity, wherein both the first and second security codes are provided by the authorized person; after requesting the at least one security code: receiving a message from the mobile device that includes at least one of the first and second security codes; upon determining that the message includes the first security code, authorizing the purchase; and upon determining that the message includes the second security code, rejecting the purchase.