Patent ID: 8740067

Claim:
A non-transitory computer-readable medium embodying a program executable in a computing device, the program comprising: code that maintains an account in at least one memory accessible to the computing device, the at least one memory having stored thereon a first account code and a first verification code, wherein both the first account code and the first verification code are associated with the account; and code that, in response to receiving a charge request containing a second account code and a second verification code, determines whether to approve the charge request based at least in part on whether the second account code matches the first account code, the second verification code matches the first verification code, and the second verification code is received within a predefined amount of time, wherein the account is associated with a payment instrument, the payment instrument comprising a first near field communication device that embodies the second account code that is read by a transaction client, the second verification code originating from a second near field communication device that is read by the transaction client.