Apparatus and method for providing account security

• US 20080275820A1
• Filed: 07/07/2008
• Published: 11/06/2008
• Est. Priority Date: 01/21/2000
• 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:
  US12/217,566
• Publication Number:
  US 20080275820A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/2295 Parent-child type, e.g. where parent has control on child rights
• CPC Class Codes: G06Q 20/306 using TV related infrastructures external card used for payment with client device H04N21/4185
• CPC Class Codes: G06Q 20/322 Aspects of commerce using mobile devices [M-devices]
• CPC Class Codes: G06Q 20/363 with the personal data of a user
• 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 20/4037 Remote solvency checks
• CPC Class Codes: G06Q 20/405 Establishing or using transaction specific rules
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/0866 by active credit-cards adapted therefor G07F7/1008 takes precedence
• CPC Class Codes: Y04S 50/12 Billing, invoicing, buying or selling transactions or other related activities, e.g. cost or usage evaluation

Abstract

An account security apparatus, including a memory device for storing a limitation or restriction on a use of at least one of a cable television account, an electrical utility account, a gas utility account, a fuel oil utility account, an insurance account, a subscription accounts for a good, product, or service, a health care insurance account, a pharmacy account, a social security account, and a credit report account, transmitted to a receiver from a communication device associated with an individual account holder, and a processing device for processing an authorization request for a transaction or a use of the account. The processing device utilizes the limitation or restriction automatically stored in the memory device in processing the authorization request and 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 cable television account, an electrical utility account, a gas utility account, a fuel oil utility account, an insurance account, a subscription account for a good, product, or service, a health care insurance account, a pharmacy account, a social security 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 1, wherein the authorization request is transmitted to the apparatus from an authorization device.

4. 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.

5. 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.

6. The apparatus of claim 1, wherein the limitation or restriction is transmitted to a receiver via, on, or over, at least one of the Internet and the World Wide Web.

7. 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.

8. The apparatus of claim 1, further comprising:

a transmitter for transmitting an electronic mail message to a computer in a network, wherein the computer in a network is associated with the individual account holder, wherein the electronic mail message contains information regarding the transaction, and further wherein the computer in a network transmits the electronic mail message to a communication device associated with the individual account holder.

9. The apparatus of claim 4, 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.

10. The apparatus of claim 4, 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.

11. 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 cable television account, an electrical utility account, a gas utility account, a fuel oil utility account, an insurance account, a subscription account for a good, product, or service, a health care insurance account, a pharmacy account, a social security 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 via, on, or over, at least one of the Internet and the World Wide Web, 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.

13. The apparatus of claim 11, wherein the signal is transmitted to the communication device after the transaction on the account or the use of the account begins and before the transaction on the account or the use of the account ends.

14. The apparatus of claim 11, wherein the communication device is a cellular telephone, a personal digital assistant, a personal computer, or a television.

15. The apparatus of claim 11, further comprising:

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

16. The apparatus of claim 15, wherein the processing device processes the second signal and determines whether the transaction on the account or the use of the account is authorized or disallowed.

12. 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 cable television account, an electrical utility account, a gas utility account, a fuel oil utility account, an insurance account, a subscription account for a good, product, or service, a health care insurance account, a pharmacy account, a social security account, and a credit report account;

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

a transmitter for transmitting the 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 the 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.

17. The apparatus of claim 12, wherein the signal is transmitted to the second communication device via, on, or over, at least one of the Internet and the World Wide Web.

18. The apparatus of claim 12, wherein the signal is transmitted to the communication device after the transaction on the account or the use of the account begins and before the transaction on the account or the use of the account ends.

19. The apparatus of claim 12, wherein the second communication device is a wireless device.

20. The apparatus of claim 12, further comprising:

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