Security method and apparatus for preventing credit card fraud
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Abstract
A security method comprises inputting into a database on a computer system (2) data as to a forecast of transfer relative to the database, and inputting into the database data as to actual transfers relative to the database, the computer system taking appropriate action in the event that the transfers are not in accordance with the forecast. Apparatus for performing the security method comprises a computer system (2) comprising a database and being arranged to receive data as to the forecast of transfer relative to the database and as to the actual transfers relative to the database and to take the appropriate action in the event that the actual transfers are not in accordance with the forecast. The security method also comprises up-dating specific fields of transfer, personal security alerts, pre-authorisations of transfers and personal identification.
19 Citations
65 Claims
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1-21. -21. (canceled)
- 22. A security method comprising inputting into a database on a computer system data as to a forecast of transfer relative to said database, and inputting into said database data as to actual transfers relative to said database, said computer system taking appropriate action in the event that said transfers are not in accordance with said forecast.
- 41. Apparatus comprising a computer system for managing security, said system comprising a database and being arranged to receive data as to a forecast of transfer relative to said database and as to actual transfers relative to said database and to take appropriate action in the event that said actual transfers are not in accordance with said forecast.
- 47. A security method comprising a user inputting into a database on a computer system data as to a forecast of transfer relative to a predefined specific field of transfer of said database, and said user up-dating the forecasted transfer in relation to said specific field of transfer.
- 51. A security method comprising performing a financial transaction, transmitting a signal as part of said transaction, and receiving said signal as a security alert.
- 55. A security method comprising inputting into a database on a computer system data as to a pre-authorisation of transfer relative to said database before said transfer takes place, and inputting into said database data as to an actual transfer which is said pre-authorised transfer.
- 58. A personal identification method comprising inputting into a database on a computer system identification image data of an individual, said individual allowing access to said database by an authorised other for verification of the identity of said individual.
Specification