Credit card protection system
First Claim
Patent Images
1. An account security system comprising:
- a) a merchant computer having means for communicating account indicia and an amount to a remote computer;
b) a user interface, remote from said merchant computer, having means for, 1) receiving information from a remote source, and, 2) communicating said information to a user; and
, c) a processing computer having means for, 1) receiving account indicia and amount from said merchant computer, and 2) in response to said account indicia, communicating selected information to said user interface.
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Abstract
A security system which notifies a card-holder when a charge is made on the card-holder'"'"'s account. The merchant computer communicates the account number and amount to the processing computer. Using this information, the processing computer identifies the card-holder and sends a message that the card is being used. Ideally this message is an e-mail message sent to the card-holder'"'"'s cellular phone. In the preferred embodiment, the card-holder is able to respond to the proposed charge by sending a “block” to the processing computer.
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Citations
19 Claims
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1. An account security system comprising:
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a) a merchant computer having means for communicating account indicia and an amount to a remote computer;
b) a user interface, remote from said merchant computer, having means for, 1) receiving information from a remote source, and, 2) communicating said information to a user; and
,c) a processing computer having means for, 1) receiving account indicia and amount from said merchant computer, and 2) in response to said account indicia, communicating selected information to said user interface. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9)
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10. A payment system comprising:
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a) a first computer having means for communicating account indicia and an amount to a remote computer;
b) a cellular telephone having a user interface; and
,c) a second computer having, 1) means for receiving account indicia and amount from the first computer, 2) communicating selected information to said cellular telephone, and, 3) means for communicating an authorization to the first computer. - View Dependent Claims (11, 12, 13, 14)
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15. A security system comprising:
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a) a merchant computer having means for communicating account indicia and amount;
b) a user interface remote from said merchant computer; and
,c) a processing computer having means for, 1) receiving account indicia and amount from said merchant computer, and 2) in response to said account indicia, communicating selected information to said user interface for communication to a user of said user interface. - View Dependent Claims (16, 17, 18, 19)
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Specification