System for preventing fraudulent purchases and identity theft

• US 20080217400A1
• Filed: 05/23/2007
• Published: 09/11/2008
• Est. Priority Date: 03/06/2007
• Status: Abandoned Application

• Current Assignee: Michael D. Portano
• Original Assignee: Michael D. Portano
• Inventors: Portano, Michael D.
• Application Number:
  US11/805,526
• Publication Number:
  US 20080217400A1
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/403 Solvency checks

Abstract

An anti-fraud/anti-identity theft system verifies the authenticity of genuine identification devices, including credit cards, cellular telephones, and the like. Likewise the system detects counterfeit credit cards or lines of credit. The system comprises a modified retailer machine that verifies the cards and/or person at the time of buying or selling with a wide variety of security measures. The system further utilizes cellular telephones or electronic devices as a credit card-holding device, which device has a microprocessor computer embedded within the cellular telephone or device, which microprocessor computer can be operated to selectively turn on or turn off availability of credit card funds without closing the credit card account itself.

Claims

1. A global anti-fraud computer system, the global anti-fraud computer system comprising a unit-issuing center, the unit-issuing center comprising means for inputting user-specific information, the unit-issuing center for positively identifying individuals, the positively identified individuals for ensuring that the user is a verifiable user.

2. The global anti-fraud computer system of claim 1 wherein the unit-issuing center issues new identification cards, secure credit cards, and cellular telephones.

3. The global anti-fraud computer system of claim 1 comprising a network of secure communications, the network of secure communications for enabling the transaction of buying and selling, the global anti-fraud computer system for verifying a user'"'"'s identity during a purchase or sale of product or service.

4. The global anti-fraud computer system of claim 3 being defined by a modified retailer machine, the modified retailer machine operating at all levels of transactions, with all possible ways to execute transactions, the modified retailer machine being used to verify authenticity of a user'"'"'s identification during a buying or selling transaction.

5. The global anti-fraud computer system of claim 1 comprising document-reading means for reading information on personal checks, money orders, traveler'"'"'s checks or any form of document, the system thus for ensuring document-supported funds are available and that the documents are authentic items

6. The global anti-fraud computer system of claim 5 wherein the system has the ability to determine whether funds are available in one'"'"'s checking account, if funds are available, the system will lock out the funds into a retailer account, new business account, or any other account and show up in real time on new balances in a person'"'"'s account.

7. The global anti-fraud computer system of claim 1 wherein the system comprises a coding system with smart chip technology, the system for verifying lines of credit, mobile telecommunication device, cellular telephones, credit cards or any securable items, the system thus for ensuring the authenticity of the securable items by the coding system within the smart chip technology.

8. The global anti-fraud computer system of claim 5 wherein the smart chip technology is an encoding system within the chip, the chip being able to receive information from a system database and provide the system with an answer.

9. The global anti-fraud computer system of claim 6 wherein the smart chip technology within the system talks to the chip within an item of choice, the chip receiving information from the system database and responding.

10. The global anti-fraud computer system of claim 7 wherein the system talks via smart chip technology and reads credit card information from a card-embedded chip, the card-embedded chip responding to system inquiries by giving back an answer back from the chip'"'"'s files of codes from within the chip to system'"'"'s inquiries.

11. The global anti-fraud computer system of claim 10 wherein each smart chip has a unique encoded/coding system.

12. The global anti-fraud computer system of claim 11 wherein each smart chip receives a unique question from the system as determined by question codes, each smart chip thereby providing a unique answer.

13. The global anti-fraud computer system of claim 12 wherein each smart chip and receive a plurality of questions and provide a plurality of answers.

14. The global anti-fraud computer system of claim 13 wherein the codes within the chip are re-arrangeable when the smart chip technology is turned on as a security measure.

15. The global anti-fraud computer system of claim 14 wherein the system randomly picks a new and different arrangement of coding within the chip.

16. The global anti-fraud computer system of claim 1 usable at the retailer, mobile retailer credit device taxicab, vendor outlets, and/or any other locations where GAFS technology is needed.

17. The global anti-fraud computer system of claim 16 wherein the verifies physical attributes of the user, including photo matching, fingerprints, voice recognition and/or any other means to verify the authenticity of the individual.

18. The global anti-fraud computer system of claim 17 wherein the secured coding system of smart chip technology goes into personal identification, mobile telecommunication device, credit cards, cell phone, and/or any other security items of one'"'"'s choice.

19. The global anti-fraud computer system of claim 18 wherein the smart chip technology associated with an item of choice is the independent of the item being used.

20. The global anti-fraud computer system of claim 18 wherein the information of the credit card or any other item and with smart chip technology can be made into one computer chip, the information of two items being unique and serving as two separate items of information within the same chip.

21. The global anti-fraud computer system of claim 20 wherein the coding on money orders, traveler'"'"'s checks or any other documents of importance comprises printed codes on the face, back of check or both sides of the traveler'"'"'s checks, the printed codes being provided by the system.

22. The global anti-fraud computer system of claim 21 wherein the coded checks or documents can be from multiple systems.

23. The global anti-fraud computer system of claim 22 wherein retailer machine devices are able to read the printed codes on checks or documents, the readable codes for verifying the authenticity of the check or any other item with it'"'"'s printed codes to ensure the protection from counterfeit/fraudulent check(s) or any other form of documents.

24. The global anti-fraud computer system of claim 23 wherein retailer machine devices at multiple locations are able to verify the person'"'"'s identification, fingerprints, take photo snapshot, take video snapshot at the point of buying or selling.

25. The global anti-fraud computer system of claim 24 comprising means for placing a telephone call to the user, and means for receiving telephone calls from the user at any type of retailer machine.

26. The global anti-fraud computer system of claim 25 comprising means for reading security pin codes from the buyer or seller on the keyboard of the retailer machine.

27. The global anti-fraud computer system of claim 26 comprising means for reading implant chip technology.

28. The global anti-fraud computer system of claim 27 comprising means for translating and interacting in multiple languages

29. The global anti-fraud computer system of claim 4 wherein the retailer machine, computer system, coding system and its security system are integratable to all new forms of technology for the insurance of the maximum security of the system.

30. The global anti-fraud computer system of claim 29 wherein the system is upgradeable to all new types of identifying technologies of identification.

31. The global anti-fraud computer system of claim 1 comprising a self-contained security system, the self-contained security system for protecting the system from hackers, identity-theft criminals, credit card fraud, fake cell phone and fake business account(s) and from violating the system for the purpose of getting approved credit, service or access by fraudulent means.

32. The global anti-fraud computer system of claim 31 wherein the security system comprises multiple areas of security measures to apprehend criminals via the system, the system comprising cameras inside of buildings, cameras outside of buildings, cameras on the highway system, global tracking device, the latest technology of the military tracking system in the movement of an individual in real time.

33. The global anti-fraud computer system of claim 32 wherein the system is modifiable to all types of security systems and all types of networks of communications and is possible at all levels.

34. The global anti-fraud computer system of claim 33 comprising means for tracking down any electronic device to pinpoint its location, it also has the ability to hunt down license plates of vehicles in true real time in any given region needed.

35. The global anti-fraud computer system of claim 34 wherein the security system cooperates with non-GAFS security means.

36. The global anti-fraud computer system of claim 35 employable at a retailer machine, the retailer machine comprising a hand held mobile device version of the retailer machine, the hand held mobile device version being capable of performing all the functions of the main retailer at the retailer level to verify the identification of a user and accepting credit cards, the hand held mobile device version being useable for delivering goods or services.

37. The global anti-fraud computer system of claim 36 comprising means for placing or building a line of credit card(s) within a cell phone, mobile telecommunication device or any other device to have the line of credit card(s) that uses smart chip technology.

38. The global anti-fraud computer system of claim 37 wherein the cell phone, mobile communication device, electronic device or other device comprises a magnetic strip, the magnetic strip cooperates with smart chip technology, the cooperative magnetic strip for cooperating with cell phones, electric devices or mobile telecommunication devices having no smart chip technology.

39. The global anti-fraud computer system of claim 38 wherein the magnetic strip can be made to flop out, pull out manually or be electronically removed.

40. The global anti-fraud computer system of claim 39 comprising holding compartment(s) to store credit card(s) or any other item(s) within the cell phone, mobile telecommunication device or any other electric device to pull out the credit card(s) out of the item of choice to be used to make buys or sells with one'"'"'s credit.

41. The global anti-fraud computer system of claim 40 comprising extra security means, the extra security means being operable by the user or the institution for turning off mode lines of credit at will, the lines of credit being turned back on at will, the lines of credit having preset limits.

42. The global anti-fraud computer system of claim 41 wherein the off mode, on mode, and set limits to be used mode is applicable to standard credit cards which can have the same feature of being turned off at will, to turn on at will and set limits of funds to be used.

43. The global anti-fraud computer system of claim 42 wherein the institution in which the system is located can set up its own type of security codes in getting credit in the turn off mode and on mode with limits.