Transaction security apparatus and method
First Claim
1. A transaction security apparatus, comprising:
- a card reader, wherein the card reader obtains information regarding an account;
an input device or a receiver, wherein the input device inputs, or the receiver receives, transaction information regarding a transaction on or involving the account;
a camera or a video recording device, wherein the camera or the video recording device obtains or records a photograph or a video clip of an individual involved in the transaction;
a microphone or an audio recording device, wherein the microphone or the audio recording device obtains or records an audio clip of the individual involved in the transaction;
a display;
a processing device, wherein the processing device processes the information regarding the transaction and generates a notification message, wherein the notification message contains information regarding the transaction; and
a transmitter, wherein the transmitter transmits the notification message to a communication device associated with an account holder, and further wherein the notification message is transmitted to the communication device independently of any processing of the transaction by a transaction authorization processing computer,wherein the photograph, the video clip, or the audio clip, is transmitted to the communication device independently of any processing of the transaction by the transaction authorization processing computer.
0 Assignments
0 Petitions
Accused Products
Abstract
A transaction security apparatus, including a card reader; an input device or receiver which inputs or receives transaction information regarding a transaction on or involving an account; a camera or video recording device which obtains or records a photograph or video clip of an individual involved in the transaction; a microphone or audio recording device which obtains or records an audio clip of the individual; a display; a processing device which processes information regarding the transaction and generates a notification message containing information regarding the transaction; and a transmitter which transmits the notification message to a communication device associated with an account holder. The notification message and the photograph, video clip, or audio clip, is transmitted to the communication device independently of any processing of the transaction by the transaction authorization processing computer.
22 Citations
20 Claims
-
1. A transaction security apparatus, comprising:
-
a card reader, wherein the card reader obtains information regarding an account; an input device or a receiver, wherein the input device inputs, or the receiver receives, transaction information regarding a transaction on or involving the account; a camera or a video recording device, wherein the camera or the video recording device obtains or records a photograph or a video clip of an individual involved in the transaction; a microphone or an audio recording device, wherein the microphone or the audio recording device obtains or records an audio clip of the individual involved in the transaction; a display; a processing device, wherein the processing device processes the information regarding the transaction and generates a notification message, wherein the notification message contains information regarding the transaction; and a transmitter, wherein the transmitter transmits the notification message to a communication device associated with an account holder, and further wherein the notification message is transmitted to the communication device independently of any processing of the transaction by a transaction authorization processing computer, wherein the photograph, the video clip, or the audio clip, is transmitted to the communication device independently of any processing of the transaction by the transaction authorization processing computer. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
-
-
12. A transaction security apparatus, comprising:
-
a card reader, wherein the card reader obtains information regarding an account; an input device or a receiver, wherein the input device inputs, or the receiver receives, transaction information regarding a transaction on or involving the account; a camera or a video recording device, wherein the camera or the video recording device obtains or records a photograph or a video clip of an individual involved in the transaction on or involving the account; a microphone or an audio recording device, wherein the microphone or the audio recording device obtains or records an audio clip of the individual involved in the transaction; a display; a processing device, wherein the processing device processes information regarding the transaction, and further wherein the processing device generates a notification message, wherein the notification message contains information regarding the transaction; and a transmitter, wherein the transmitter transmits the notification message to a communication device associated with an account holder, wherein the notification message is transmitted to the communication device independently of any processing of the transaction by a transaction authorization processing computer; and a server computer, wherein the apparatus transmits the photograph, the video clip, or the audio clip, to the communication device associated with an account holder independently of any processing of the transaction by the transaction authorization processing computer, and further wherein information regarding the transaction and the photograph, the video clip, or the audio clip, is transmitted to, received by, and stored in, the server computer. - View Dependent Claims (13)
-
-
14. A transaction security apparatus, comprising:
-
a card reader, wherein the card reader obtains information regarding an account; an input device or a receiver, wherein the input device inputs, or the receiver receives, transaction information regarding a transaction on or involving the account; a camera or a video recording device, wherein the camera or the video recording device obtains or records a photograph or a video clip of an individual involved in the transaction on or involving the account; a microphone or an audio recording device, wherein the microphone or the audio recording device obtains or records an audio clip of the individual involved in the transaction; a display; a processing device, wherein the processing device processes information regarding the transaction, wherein the processing device is specially programmed to, and generates, a notification message containing information regarding the transaction; a transmitter, wherein the transmitter transmits the notification message to a communication device associated with an account holder, wherein the notification message is transmitted independently of any processing of the transaction by a transaction authorization processing computer; and a server computer, wherein the server computer is specially programmed to receive and store information regarding the transaction, and further wherein the server computer is specially programmed to store information regarding multiple transactions for multiple accounts, wherein the apparatus is specially programmed to transmit the photograph, the video clip, or the audio clip, to the communication device associated with the account holder independently of any processing of the transaction by the transaction authorization processing computer, and further wherein the apparatus is specially programmed to transmit the photograph, the video clip, or the audio clip, along with the notification message, and further wherein information regarding the transaction and the photograph, the video clip, or the audio clip, is transmitted to, received by, and stored in, the server computer. - View Dependent Claims (15, 16, 17, 18, 19, 20)
-
Specification