Mark A Rodriguez

US Patent:

20210133747, May 6, 2021

Filed:

Jul 13, 2020

Appl. No.:

16/927721

Inventors:

- Carefree AZ, US
Mark David Rodriguez - Scottsdale AZ, US

International Classification:

G06Q 20/40
G06F 21/45
G06Q 20/08
G06Q 20/02
G06Q 20/38
G06Q 20/20
G06F 16/23

Abstract:

Methods and systems are provided herein for authenticating account holders using dynamic PINs. The methods may include receiving a transaction request from a vendor with the transaction request including a security number. The security number may be associated with an account holder. A dynamic PIN may be generated based at least in part on the time. The method may match the dynamic PIN to the security number associated with the account holder. The method may also include approving the transaction request from the vendor in response to the dynamic PIN matching the security number associated with the account holder. The method may further include the steps of generating a block including transaction information in response to the transaction request, broadcasting the block to a network for approval, adding the block to a blockchain in response to the approval, and generating the dynamic PIN.