Apparatus and method for providing account security

• US 20040185830A1
• Filed: 01/31/2004
• Published: 09/23/2004
• Est. Priority Date: 08/08/1996
• Status: Abandoned Application

• Current Assignee: Joao Bock Transaction Systems, LLC (Raymond Anthony Joao)
• Original Assignee: Joao Bock Transaction Systems, LLC (Raymond Anthony Joao)
• Inventors: Joao, Raymond Anthony, Bock, Robert Richard
• Application Number:
  US10/769,678
• Publication Number:
  US 20040185830A1
• Time in Patent Office: Days
• US Class Current: 455/410
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• CPC Class Codes: G06Q 20/32 using wireless devices
• CPC Class Codes: G06Q 20/3227 using secure elements embedded in M-devices
• 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 20/403 Solvency checks
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation

Abstract

An account security apparatus and method, including a memory device for storing a limitation or restriction on a use of at least one of an account for a calling card, cable television, utility, insurance, subscription, pharmacy, social security, Internet, credit report, and access, or an account associated with an official seal or an organizational seal, wherein the limitation or restriction is transmitted to a receiver from a communication device associated with an individual account holder and automatically received by the receiver, and automatically stored in the memory device, and a processing device for processing an authorization request for a transaction or a use of the account, wherein the processing device utilizes the limitation or restriction automatically stored in the memory device in processing the authorization request, wherein the processing device generates a signal containing information for authorizing or disallowing the transaction or the use of the account.

Claims

1. An account security apparatus, comprising:

a memory device for storing a limitation or restriction on a use of an account, wherein the account is at least one of a telephone calling card account, a cable television account, a utility account, an electrical utility account, a gas utility account, a fuel oil utility account, an insurance account, a subscription account for at least one of a good, a product, and a service, a health care insurance account, a pharmacy account, a social security account, an account for monitoring use of an official seal, an account for monitoring use of at least one of a private, an individual, and an organizational seal or access code, a security access account, a computer access code account, a facility access account, a facility security account, an Internet account, an Internet service provider account, and a credit report account, wherein the limitation or restriction is transmitted to a receiver from a communication device associated with an individual account holder, and wherein the limitation or restriction is automatically received by the receiver, and further wherein the limitation or restriction is automatically stored in the memory device; and

a processing device for processing an authorization request for a transaction on the account or a use of the account, wherein the processing device utilizes the limitation or restriction automatically stored in the memory device in processing the authorization request, wherein the processing device generates a signal containing information for authorizing or disallowing the transaction on the account or the use of the account.

2. The apparatus of claim 1, further comprising:

a transmitter for transmitting a second signal to a communication device associated with the individual account holder, wherein the communication device receives the second signal, and further wherein the second signal contains information regarding the transaction.

3. The apparatus of claim 2, wherein the communication device which receives the second signal is at least one of a telephone, a two-way pager, a reply pager, a home computer, a personal computer, a personal communication device, a personal communication services device, a television, an interactive television, a digital television, a personal digital assistant, a display telephone, a video telephone, a watch, a cellular telephone, a wireless telephone, a mobile telephone, a display cellular telephone, and a facsimile machine.

4. The apparatus of claim 1, wherein the authorization request is transmitted to the apparatus from an authorization device.

5. The apparatus of claim 2, further comprising:

a receiver for receiving a third signal, wherein the third signal is transmitted to the receiver from the communication device which receives the second signal, and further wherein the third signal contains information for authorizing or disallowing the transaction on the account or the use of the account.

6. The apparatus of claim 1, wherein the authorization request is transmitted to the apparatus from at least one of a point-of-sale authorization device, a point-of-sale authorization terminal, and a transaction authorization device.

7. The apparatus of claim 1, wherein the apparatus is utilized on or over at least one of a telecommunication system, a satellite communication system, a radio communication system, a digital communication system, and a personal communications services system.

8. The apparatus of claim 1, wherein the apparatus is utilized on or over at least one of the Internet and the World Wide Web.

9. The apparatus of claim 2, wherein the transmitter transmits the second signal to a plurality of communication devices which receive the second signal, wherein the plurality of communication devices which receive the second signal are associated with the individual account holder, and further wherein the transmitter transmits the second signal to the plurality of communication devices which receive the second signal at least one of simultaneously and sequentially.

10. The apparatus of claim 2, wherein information contained in the second signal is transmitted in at least one of a communication transmission, a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.

11. The apparatus of claim 1, further comprising:

a transmitter for transmitting an electronic mail message to a network computer associated with the individual account holder, wherein the electronic mail message contains information regarding the transaction.

12. The apparatus of claim 5, wherein the processing device processes the third signal and determines whether the transaction on the account or the use of the account is authorized or disallowed.

13. The apparatus of claim 5, wherein the processing device processes the third signal and determines whether the transaction on the account or the use of the account is authorized or disallowed, and further wherein the processing device transmits a fourth signal to the transaction authorization device, wherein the fourth signal contains information for at least one of authorizing the transaction on the account or the use of the account, disallowing the transaction on the account or the use of the account, and canceling the transaction on the account or the use of the account.

14. The apparatus of claim 1, further comprising:

a transmitter for transmitting a second signal to at least one of a communication device which receives the second signal, a computer, a radio, a car radio, and a television, wherein the second signal contains information regarding the transaction, and further wherein the normal operation of the at least one of a communication device which receives the second signal, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.

15. The apparatus of claim 1, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.

16. The apparatus of claim 6, wherein the limitation or restriction involves at least one of types of transactions, goods or services which may be purchased, stores or service providers which may be authorized to accept a card associated with the account, limits on dollar amounts of transactions pertaining to each authorized at least one of vendor, seller, and service provider, daily spending limits, at least one of vendors, sellers, and service providers, with which a card associated with the account may be utilized, a geographical area or location within which the card associated with the account may be utilized, authorized times of account usage, and a limitation or restriction regarding at least one of an amount of a transaction, parties involved, geographical area, and times of allowed usage.

17. The apparatus of claim 1, wherein the limitation or restriction involves at least one of a type of a transaction, a good or a service which may be purchased, a store or a service provider which may be authorized to accept a card associated with the account, a limit on a dollar amount of a transaction pertaining to each authorized at least one of vendor, seller, and service provider, a daily spending limit, at least one of a vendor, a seller, and a service provider, with which a card associated with the account may be utilized, a geographical area or location within which the card associated with the account may be utilized, an authorized time of account usage, and a limitation or restriction regarding at least one of an amount of a transaction, a party involved, a geographical area, and a time of allowed usage.

18. The apparatus of claim 1, wherein the communication device from which the limitation or restriction is received is at least one of a telephone, a touch-tone telephone, a two-way pager, a reply pager, a home computer, a personal computer, a personal communication device, a personal communication services device, a television, an interactive television, a digital television, a personal digital assistant, a display telephone, a video telephone, a watch, a cellular telephone, a wireless telephone, a mobile telephone, a display cellular telephone, and a facsimile machine.

19. An account security apparatus, comprising:

a processing device for processing information regarding a transaction on an account or a use of an account, wherein the account is at least one of a telephone calling card account, a cable television account, a utility account, an electrical utility account, a gas utility account, a fuel oil utility account, an insurance account, a subscription account for at least one of a good, a product, and a service, a health care insurance account, a pharmacy account, a social security account, an account for monitoring use of an official seal, an account for monitoring use of at least one of a private, an individual, and an organizational seal or access code, a security access account, a computer access code account, a facility access account, a facility security account, an Internet account, an Internet service provider account, and a credit report account, wherein the information is automatically received by a receiver, wherein the processing device is capable of allowing or disallowing the transaction on the account or the use of the account, and further wherein the processing device generates a signal containing information regarding the transaction on the account or the use of the account; and

a transmitter for transmitting the signal to a communication device associated with an individual account holder, wherein the signal is transmitted to the communication device in real-time, and further wherein the communication device provides information to the individual account holder regarding the transaction on the account or the use of the account transaction.

20. An account security apparatus, comprising:

at least one of an input device and a data entry device for at least one of inputting and entering information regarding a transaction on an account or a use of an account into a first communication device, wherein the account is at least one of a telephone calling card account, a cable television account, a utility account, an electrical utility account, a gas utility account, a fuel oil utility account, an insurance account, a subscription account for at least one of a good, a product, and a service, a health care insurance account, a pharmacy account, a social security account, an account for monitoring use of an official seal, an account for monitoring use of at least one of a private, an individual, and an organizational seal or access code, a security access account, a computer access code account, a facility access account, a facility security account, an Internet account, an Internet service provider account, and a credit report account;

a processing device for processing the information and for generating a first signal corresponding to the transaction on the account or a use of the account; and

a transmitter for transmitting the first signal to a second communication device, wherein the second communication device is associated with an individual account holder, and wherein the second communication device provides information to the individual account holder regarding the transaction on the account or a use of the account, and further wherein the second communication device is at least one of a beeper, a pager, a telephone, a two-way pager, a reply pager, a home computer, a personal computer, a personal communication device, a personal communication services device, a television, an interactive television, a digital television, a personal digital assistant, a display telephone, a video telephone, a watch, a cellular telephone, a wireless telephone, a mobile telephone, a display cellular telephone, and a facsimile machine.