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Transaction security apparatus and method

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

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