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Transaction security apparatus and method

  • US 10,157,385 B2
  • Filed: 01/17/2018
  • Issued: 12/18/2018
  • Est. Priority Date: 07/22/2005
  • Status: Active Grant
First Claim
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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.

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