Instant electronic notification of credit card use serves as deterrent

• US 20020133462A1
• Filed: 03/16/2001
• Published: 09/19/2002
• Est. Priority Date: 03/16/2001
• Status: Abandoned Application

• Current Assignee: Koninklijke Philips Electronics N.V. (Koninklijke Philips N.V.)
• Original Assignee: Koninklijke Philips Electronics N.V. (Koninklijke Philips N.V.)
• Inventors: Shteyn, Yevgeniy Eugene
• Application Number:
  US09/811,191
• Publication Number:
  US 20020133462A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/24 Credit schemes, i.e. "pay after"
• CPC Class Codes: G06Q 20/3221 Access to banking information through M-devices
• CPC Class Codes: G06Q 20/34 using cards, e.g. integrated circuit [IC] cards or magnetic cards
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/407 Cancellation of a transaction
• CPC Class Codes: G06Q 20/42 Confirmation, e.g. check or permission by the legal debtor of payment
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

A personal trusted device, such as a mobile phone, receives by default or conditionally an automatic notification when the user'"'"'s credit card or its number is being used for a commercial transaction. The user can then instantly determine whether or not to instruct the credit card company to inactivate the card.

Claims

1. A method of providing a notification service to a legitimate user regarding use of an object of the user, the method comprising enabling to communicate an electronic notification to a personal communication device of the user upon detection of the use of the object.

2. The method of claim 1, comprising enabling a party other than the user to be registered as a recipient of the notification.

3. The method of claim 1, comprising enabling the user to specify a modality of the notification.

4. The method of claim 1, comprising enabling the user to electronically validate or invalidate the use of the object upon receipt of the electronic notification.

5. The method of claim 1, wherein the object comprises a credit card.

6. The method of claim 1, wherein the object comprises a vehicle.

7. The method of claim 1, wherein the object is a functional part of a building.

8. The method of claim 1, wherein the communication device comprises a mobile phone.

9. A method of providing a deterrent to unauthorized use of objects of authorized users, the method comprising advertizing that use of at least one of the objects initiates a sending of an electronic notification to a personal communication device of a relevant one of the authorized users.

10. A personal communication device for wireless communication of a predefined message to a server upon receipt of an alert and upon a user initiating the communication.