Patent 10445484 was granted and assigned to Visa Europe on October, 2019 by the United States Patent and Trademark Office.
Systems, methods and apparatus for enabling access to secure data. A first module is arranged to generate a limited use passcode and make the passcode available to a user. A second module and a third module are arranged to communicate whereby to enable detection of the third module being in proximity to the second module. A fourth module is arranged to receive a passcode via user input. The apparatus is arranged to enable access to secure data in dependence on the fourth module receiving a valid passcode generated by the first module and the third module being in proximity to the second module.