Transaction security apparatus and method

• US 20100145737A1
• Filed: 02/04/2010
• Published: 06/10/2010
• Est. Priority Date: 07/22/2005
• Status: Active Grant

• Current Assignee: Amadora Systems, LLC (Raymond Anthony Joao)
• Original Assignee: Raymond Anthony Joao
• Inventors: Joao, Raymond Anthony
• Granted Patent: US 9,235,841 B2
• Time in Patent Office: Days
• US Class Current: 705/4
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• 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 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

An apparatus, including an input device or receiver for inputting or receiving transaction information regarding a transaction on an account involving an individual, a camera for obtaining a photograph of the individual, wherein the apparatus stores the photograph as a digital photograph file, wherein the camera is located a same location as the input device or receiver or at a location remote therefrom, a processing device for processing the transaction information, wherein the processing device processes information regarding the transaction and generates a message containing information regarding the transaction and the digital photograph file, and a transmitter which transmits the message to a communication device associated with an individual account holder, wherein the message is transmitted to the communication device via, on, or over, the Internet, the World Wide Web, or a wireless communication network, independently of any processing of the transaction by a transaction authorization processing computer.

Claims

1. An apparatus, comprising:

an input device or a receiver for inputting or for receiving transaction information regarding a transaction on or involving an account and involving an individual;

a camera for obtaining a photograph of the individual, wherein the apparatus stores the photograph as a digital photograph file, wherein the camera is located at the same location as the input device or the receiver or at a location remote from the input device or the receiver;

a processing device for processing the transaction information, wherein the processing device processes information regarding the transaction and generates a message, wherein the message contains information regarding the transaction, and further wherein the message contains the digital photograph file; and

a transmitter, wherein the transmitter transmits the message to a communication device associated with an individual account holder, wherein the message is transmitted to the communication device via, on, or over, the Internet, the World Wide Web, or a wireless communication network, and further wherein the message is transmitted to the communication device independently of any processing of the transaction by a transaction authorization processing computer.

2. The apparatus of claim 1, wherein the account is a credit card account, a credit account, a charge card account, a charge account, a debit card account, a debit account, a bank account, a checking account, or a savings account.

3. The apparatus of claim 1, wherein the account is a brokerage account, a pension account, an individual retirement account, or a self-employed pension account.

4. The apparatus of claim 1, wherein the account is a healthcare account, a Medicare account, a Medicaid account, a pharmacy account, an insurance account, a healthcare insurance account, a life insurance account, or a disability insurance account.

5. The apparatus of claim 1, wherein the account is an employee benefits account, a tuition account, or a cafeteria account.

6. The apparatus of claim 1, wherein the account is a spending account, or a healthcare spending account.

7. The apparatus of claim 1, wherein the account is a subscription account for any good, product, or service.

8. The apparatus of claim 1, wherein the account is a credit report account.

9. The apparatus of claim 1, wherein the account is a cable television account, a digital television account, a satellite television account, a utility account, an electrical utility account, a gas utility account, or a fuel oil utility account

10. The apparatus of claim 1, wherein the account is a social security account.

11. The apparatus of claim 1, wherein the account is a liability insurance account, or a lease insurance account.

12. The apparatus of claim 1, wherein the account is a telephone calling card account, a communication account, a telephone account, a wireless communication device account, a non-wireless communication device account, or a cellular communication device account.

13. The apparatus of claim 1, wherein the account is an Internet account or an Internet service provider account.

14. The apparatus of claim 1, wherein the account is an e-mail account.

15. The apparatus of claim 1, wherein the account is an electronic signature or the account is associated with or corresponds to an electronic signature.

16. The apparatus of claim 1, wherein the account is an account monitoring use of an official seal, an account monitoring use of a private, individual, or organizational, seal or access code, a security access account, a computer access code account, a facility access account, or a facility security account.

17. The apparatus of claim 1, wherein the account is a financial account, an electronic money account, or an electronic cash account.

18. The apparatus of claim 1, wherein the account is a membership account, a ticket account, a club membership account, an entertainment membership account, an entertainment ticket account, a sports ticket account, a theatre ticket account, a concert or opera ticket account, a consumer or purchaser membership account, a sports club membership account, a health club membership account, a merchant credit account, an association membership account, a professional association membership account, or a trade association membership account.

19. The apparatus of claim 1, wherein the communication device is a cellular telephone, a personal digital assistant, or a wireless telephone.

20. The apparatus of claim 1, wherein the communication device is personal computer, a laptop computer, a notebook computer, a netbook computer, a handheld computer, a television, an interactive television, a digital television, a beeper, or a pager.