Transaction security apparatus

DC CAFC

US 7,096,003 B2
Filed: 09/10/2001
Issued: 08/22/2006
Est. Priority Date: 08/08/1996
Status: Expired due to Fees

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1. A transaction security apparatus, comprising:

a memory device, wherein the memory device stores a limitation or restriction regarding a banking transaction, wherein the limitation or restriction prohibits a withdrawal from a checking account or prohibits a use of a checking account, wherein the limitation or restriction is transmitted from a communication device associated with an individual account holder, and further wherein the limitation or restriction is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, 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, wherein the processing device processes information regarding a banking transaction, wherein the processing device utilizes the limitation or restriction automatically stored in the memory device in processing the banking transaction, and further wherein the processing device generates a signal for allowing or disallowing the banking transaction.

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Abstract

An apparatus including a memory device for storing a limitation or restriction on an account use received via the Internet and/or World Wide Web and a processing device for determining whether a transaction on the account or a use of a wireless or cellular communication device is authorized, allowed, or disallowed. An apparatus including a processing device for processing information regarding a banking transaction or use of a wireless or cellular communication device and generating a signal containing information regarding the transaction or device use and a transmitter for transmitting the signal to a communication device. An apparatus including a processing device for processing transaction information and generating a signal containing transaction information, and a transmitter for transmitting the signal to a communication device via the Internet and/or World Wide Web independently of transaction processing by a central transaction processing computer.

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424 Claims

1. A transaction security apparatus, comprising:
- a memory device, wherein the memory device stores a limitation or restriction regarding a banking transaction, wherein the limitation or restriction prohibits a withdrawal from a checking account or prohibits a use of a checking account, wherein the limitation or restriction is transmitted from a communication device associated with an individual account holder, and further wherein the limitation or restriction is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, 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, wherein the processing device processes information regarding a banking transaction, wherein the processing device utilizes the limitation or restriction automatically stored in the memory device in processing the banking transaction, and further wherein the processing device generates a signal for allowing or disallowing the banking transaction.
- View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29)
- - 2. The apparatus of claim 1, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to the communication device or to a second communication device associated with the individual account holder, wherein the second signal contains information regarding the banking transaction.
  - 3. The apparatus of claim 2, wherein the apparatus receives a third signal from the communication device or from the second communication device, wherein the third signal contains information for allowing or disallowing the banking transaction, wherein the processing device processes the third signal and determines whether the banking transaction is authorized or disallowed, and further wherein the processing device at least one of authorizes the banking transaction, disallows the banking transaction, and cancels the banking transaction.
  - 4. The apparatus of claim 2, wherein the second signal contains information regarding at least one of information identifying the banking transaction, a name of a bank or financial institution where the banking transaction is taking place, an account number or description, an amount of the banking transaction, a description of a person seeking to make the banking transaction, a type of banking transaction, and a location of the banking transaction.
  - 5. The apparatus of claim 2, wherein information contained in the second signal is transmitted on or over at least one of the Internet and the World Wide Web or is transmitted in at least one of a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 6. The apparatus of claim 2, wherein the second communication device is at least one of a beeper, a pager, a line-connected telephone, a two-way pager, a reply pager, 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, or the second communication device is at least one of a home computer and a personal computer and the second signal is transmitted to the at least one of a home computer and a personal computer on or over at least one of the Internet and the World Wide Web.
  - 7. The apparatus of claim 1, wherein the banking transaction is an account settling transaction.
  - 8. The apparatus of claim 1, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 9. The apparatus of claim 1, wherein an authorization request regarding the banking transaction is transmitted to the apparatus from at least one of a banking transaction device, a banking transaction terminal, a teller terminal, a teller work station, a processing computer terminal, an automated teller machine terminal, a cashier work station, and an over-the-counter transaction device.
  - 10. The apparatus of claim 1, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to a plurality of communication devices associated with the individual account holder, wherein the second signal contains information regarding the banking transaction, and further wherein the second signal is transmitted to the plurality of communication devices at least one of simultaneously and sequentially.
  - 11. The apparatus of claim 1, further comprising:
    - a transmitter, wherein the transmitter transmits an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the electronic mail message contains information regarding the banking transaction.
  - 12. The apparatus of claim 1, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, wherein the second signal contains information regarding the banking transaction, and further wherein a normal operation of the at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 13. The apparatus of claim 1, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 14. The apparatus of claim 1, wherein the apparatus comprises a plurality of computers or computer systems.
  - 15. The apparatus of claim 1, wherein the communication device is at least one of a personal computer and a home computer.
  - 16. The apparatus of claim 1, wherein the communication device is a wireless device.
  - 17. The apparatus of claim 1, wherein the communication device is an interactive television.
  - 18. The apparatus of claim 1, wherein the communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 19. The apparatus of claim 1, wherein the apparatus is programmed to revert to a pre-established spending limit.
  - 20. The apparatus of claim 1, wherein the limitation or restriction involves at least one of an amount of a transaction or transactions, an individual who may make a transaction, a specified type of proof of identity, a specific bank or financial institution authorized to accept or perform a transaction for the checking account, a geographical area or location within which a bank or financial institution may be authorized to accept or perform a transaction with the checking account, at least one of a specific time of day, a specific day, a date, and a time of the month, on which a transaction may be authorized, a limit of at least one of a charge-back, a returned item amount withdrawal, and a maintenance or other fee charge withdrawal, an authorized time for checking account usage, and a limitation or restriction regarding at least one of an amount of a transaction, a party involved, a geographical area, and a time of allowed usage.
  - 21. The apparatus of claim 1, wherein the processing device determines whether a hold for prohibiting a withdrawal is placed on the checking account, and further wherein the processing device disallows the banking transaction.
  - 22. The apparatus of claim 1, wherein the communication device is at least one of a beeper, a pager, a line-connected telephone, a two-way pager, a reply pager, a television, a digital television, a display telephone, a video telephone, a watch, and a facsimile machine.
  - 23. The apparatus of claim 1, wherein the processing device is programmed to automatically de-activate the checking account.
  - 24. The apparatus of claim 1, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record to the communication device or to a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the checking account for a time period, wherein the periodic transaction record is transmitted to the communication device or to the second communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 25. The apparatus of claim 24, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 26. The apparatus of claim 24, wherein the periodic transaction record is automatically provided or transmitted to the communication device or to the second communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 27. The apparatus of claim 1, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record in an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the checking account for a time period, wherein the periodic transaction record is transmitted to the at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 28. The apparatus of claim 1, wherein the banking transaction is a check clearing transaction.
  - 29. The apparatus of claim 1, wherein the banking transaction is at least one of a clearing transaction, an account charging transaction, and a charge-back transaction.

30. A transaction security apparatus, comprising:
- a memory device, wherein the memory device stores a limitation or restriction regarding a banking transaction, wherein the banking transaction involves a withdrawal from a checking account or a cashing of a check on a checking account, wherein the limitation or restriction contains information for prohibiting a withdrawal from a checking account or for prohibiting a cashing of a check on a checking account, wherein the limitation or restriction is transmitted from a communication device associated with an individual account holder, and further wherein the limitation or restriction is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, 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, wherein the processing device processes information regarding a banking transaction, wherein the processing device utilizes the limitation or restriction automatically stored in the memory device in processing the banking transaction, and further wherein the processing device generates a signal containing information for allowing or disallowing the banking transaction.
- View Dependent Claims (31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46)
- - 31. The apparatus of claim 30, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to the communication device or to a second communication device associated with the individual account holder, wherein the second signal contains information regarding the banking transaction.
  - 32. The apparatus of claim 31, wherein the apparatus receives a third signal from the communication device or from the second communication device, wherein the third signal contains information for allowing or disallowing the banking transaction, wherein the processing device processes the third signal and determines whether the banking transaction is authorized or disallowed, and further wherein the processing device at least one of authorizes the banking transaction, disallows the banking transaction, and cancels the banking transaction.
  - 33. The apparatus of claim 30, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 34. The apparatus of claim 30, further comprising:
    - a transmitter, wherein the transmitter transmits an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the electronic mail message contains information regarding the banking transaction.
  - 35. The apparatus of claim 30, wherein the communication device is at least one of a personal computer and a home computer.
  - 36. The apparatus of claim 30, wherein the communication device is a wireless device.
  - 37. The apparatus of claim 30, wherein the communication device is at least one of a beeper, a pager, a line-connected telephone, a two-way pager, a reply pager, a television, a digital television, a video telephone, a watch, and a facsimile machine.
  - 38. The apparatus of claim 30, wherein the communication device is an interactive television.
  - 39. The apparatus of claim 30, wherein the communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 40. The apparatus of claim 30, wherein the processing device determines whether a hold for prohibiting a withdrawal is placed on the checking account, and further wherein the processing device disallows the banking transaction.
  - 41. The apparatus of claim 30, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record to the communication device or to a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the checking account for a time period, wherein the periodic transaction record is transmitted to the communication device or to the second communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 42. The apparatus of claim 41, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 43. The apparatus of claim 41, wherein the periodic transaction record is automatically provided or transmitted to the communication device or to the second communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 44. The apparatus of claim 30, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record in an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the checking account for a time period, wherein the periodic transaction record is transmitted to the at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 45. The apparatus of claim 30, wherein the banking transaction is a check clearing transaction.
  - 46. The apparatus of claim 30, wherein the banking transaction is at least one of a clearing transaction, an account charging transaction, a charge-back transaction, and an account settling transaction.

47. A transaction security apparatus, comprising:
- a memory device, wherein the memory device stores a limitation or restriction regarding a banking transaction, wherein the limitation or restriction prohibits a withdrawal from a savings account or prohibits a use of a savings account, wherein the limitation or restriction is transmitted from a communication device associated with an individual account holder, and further wherein the limitation or restriction is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, 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, wherein the processing device processes information regarding a banking transaction, wherein the processing device utilizes the limitation or restriction automatically stored in the memory device in processing the banking transaction, and further wherein the processing device generates a signal containing information for allowing or disallowing the banking transaction.
- View Dependent Claims (48, 49, 50, 51, 52, 53, 54, 55, 56, 57, 58, 59, 60, 61, 62, 63, 64, 65, 66, 67, 68, 69, 70, 71, 72)
- - 48. The apparatus of claim 47, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to the communication device or to a second communication device associated with the individual account holder, wherein the second signal contains information regarding the banking transaction.
  - 49. The apparatus of claim 48, wherein the apparatus receives a third signal from the communication device or from the second communication device, wherein the third signal contains information for allowing or disallowing the banking transaction, wherein the processing device processes the third signal and determines whether the banking transaction is authorized or disallowed, and further wherein the processing device at least one of authorizes the banking transaction, disallows the banking transaction, and cancels the banking transaction.
  - 50. The apparatus of claim 48, wherein the second signal contains information regarding at least one of information identifying the banking transaction, a name of a bank or financial institution where the banking transaction is taking place, an account number or description, an amount of the banking transaction, a description of a person seeking to make the banking transaction, a type of banking transaction, and a location of the banking transaction.
  - 51. The apparatus of claim 48, wherein information contained in the second signal is transmitted on or over at least one of the Internet and the World Wide Web or is transmitted in at least one of a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 52. The apparatus of claim 48, wherein the second communication device is at least one of a beeper, a pager, a line-connected telephone, a two-way pager, a reply pager, 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, or the second communication device is at least one of a home computer and a personal computer and the second signal is transmitted to the at least one of a home computer and a personal computer on or over at least one of the Internet and the World Wide Web.
  - 53. The apparatus of claim 47, wherein the banking transaction is at least one of a clearing transaction, an account charging transaction, a charge-back transaction, and an account settling transaction.
  - 54. The apparatus of claim 47, wherein an authorization request regarding the banking transaction is transmitted to the apparatus from at least one of a banking transaction device, a banking transaction terminal, a teller terminal, a teller work station, a processing computer terminal, an automated teller machine terminal, a cashier work station, and an over-the-counter transaction device.
  - 55. The apparatus of claim 47, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to a plurality of communication devices associated with the individual account holder, wherein the second signal contains information regarding the banking transaction, and further wherein the second signal is transmitted to the plurality of communication devices at least one of simultaneously and sequentially.
  - 56. The apparatus of claim 47, further comprising:
    - a transmitter, wherein the transmitter transmits an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the electronic mail message contains information regarding the banking transaction.
  - 57. The apparatus of claim 47, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, wherein the second signal contains information regarding the banking transaction, and further wherein a normal operation of the at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 58. The apparatus of claim 47, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 59. The apparatus of claim 47, wherein the apparatus comprises a plurality of computers or computer systems.
  - 60. The apparatus of claim 47, wherein the communication device is at least one of a personal computer and a home computer.
  - 61. The apparatus of claim 47, wherein the communication device is a wireless device.
  - 62. The apparatus of claim 47, wherein the communication device is an interactive television.
  - 63. The apparatus of claim 47, wherein the communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 64. The apparatus of claim 47, wherein the limitation or restriction involves at least one of an amount of a transaction or transactions, an individual who may make a transaction, a specified type of proof of identity, a specific bank or financial institution authorized to accept or perform a transaction for the savings account, a geographical area or location within which a bank or financial institution may be authorized to accept or perform a transaction with the savings account, at least one of a specific time of day, a specific day, a date, and a time of the month, on which a transaction may be authorized, a limit of at least one of a charge-back, a returned item amount withdrawal, and a maintenance or other fee charge withdrawal, an authorized time for savings account usage, and a limitation or restriction regarding at least one of an amount of a transaction, a party involved, a geographical area, and a time of allowed usage.
  - 65. The apparatus of claim 47, wherein the processing device determines whether a hold for prohibiting a withdrawal is placed on the savings account, and further wherein the processing device disallows the banking transaction.
  - 66. The apparatus of claim 47, wherein the communication device is at least one of a beeper, a pager, a line-connected telephone, a two-way pager, a reply pager, a television, a digital television, a display telephone, a video telephone, a watch, and a facsimile machine.
  - 67. The apparatus of claim 47, wherein the processing device is programmed to automatically de-activate the savings account.
  - 68. The apparatus of claim 47, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record to the communication device or to a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the savings account for a time period, wherein the periodic transaction record is transmitted to the communication device or to the second communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 69. The apparatus of claim 68, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 70. The apparatus of claim 68, wherein the periodic transaction record is automatically provided or transmitted to the communication device or to the second communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 71. The apparatus of claim 47, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record in an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the savings account for a time period, wherein the periodic transaction record is transmitted to the at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 72. The apparatus of claim 47, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.

73. A transaction security apparatus, comprising:
- a memory device, wherein the memory device stores a limitation or restriction regarding a banking transaction, wherein the limitation or restriction prohibits a withdrawal from an automated teller machine account or prohibits a use of an automated teller machine account, wherein the limitation or restriction is transmitted from a communication device associated with an individual account holder, and further wherein the limitation or restriction is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, 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, wherein the processing device processes an information regarding a banking transaction, wherein the processing device utilizes the limitation or restriction automatically stored in the memory device in processing the banking transaction, further wherein the processing device generates a signal containing information for allowing or disallowing the banking transaction.
- View Dependent Claims (74, 75, 76, 77, 78, 79, 80, 81, 82, 83, 84, 85, 86, 87, 88, 89, 90, 91, 92, 93, 94, 95, 96, 97, 98, 99)
- - 74. The apparatus of claim 73, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to the communication device or to a second communication device associated with the individual account holder, wherein the second signal contains information regarding the banking transaction.
  - 75. The apparatus of claim 74, wherein the apparatus receives a third signal from the communication device or from the second communication device, wherein the third signal contains information for allowing or disallowing the banking transaction, wherein the processing device processes the third signal and determines whether the banking transaction is authorized or disallowed, and further wherein the processing device at least one of authorizes the banking transaction, disallows the banking transaction, and cancels the banking transaction.
  - 76. The apparatus of claim 74, wherein the second signal contains information regarding at least one of information identifying the banking transaction, a name of a bank or financial institution where the banking transaction is taking place, an account number or description, an amount of the banking transaction, a description of a person seeking to make the banking transaction, a type of banking transaction, and a location of the banking transaction.
  - 77. The apparatus of claim 74, wherein information contained in the second signal is transmitted on or over at least one of the Internet and the World Wide Web or is transmitted in at least one of a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 78. The apparatus of claim 74, wherein the second communication device is at least one of a beeper, a pager, a line-connected telephone, a two-way pager, a reply pager, 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, or the second communication device is at least one of a home computer and a personal computer and the second signal is transmitted to the at least one of a home computer and a personal computer on or over at least one of the Internet and the World Wide Web.
  - 79. The apparatus of claim 73, wherein the banking transaction is at least one of a clearing transaction, an account charging transaction, a charge-back transaction, and an account settling transaction.
  - 80. The apparatus of claim 73, wherein an authorization request regarding the banking transaction is transmitted to the apparatus from at least one of a banking transaction device, a banking transaction terminal, a teller terminal, a teller work station, a processing computer terminal, an automated teller machine terminal, a cashier work station, and an over-the-counter transaction device.
  - 81. The apparatus of claim 73, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to a plurality of communication devices associated with the individual account holder, wherein the second signal contains information regarding the banking transaction, and further wherein the second signal is transmitted to the plurality of communication devices at least one of simultaneously and sequentially.
  - 82. The apparatus of claim 73, further comprising:
    - a transmitter, wherein the transmitter transmits an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the electronic mail message contains information regarding the banking transaction.
  - 83. The apparatus of claim 73, wherein the information regarding a banking transaction is transmitted to the apparatus from a banking terminal, and further wherein the apparatus transmits a second signal to the banking terminal, wherein the second signal contains information for allowing or disallowing the banking transaction.
  - 84. The apparatus of claim 73, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, wherein the second signal contains information regarding the banking transaction, and further wherein a normal operation of the at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 85. The apparatus of claim 73, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 86. The apparatus of claim 73, wherein the apparatus comprises a plurality of computers or computer systems.
  - 87. The apparatus of claim 73, wherein the communication device is at least one of a personal computer and a home computer.
  - 88. The apparatus of claim 73, wherein the communication device is a wireless device.
  - 89. The apparatus of claim 73, wherein the communication device is an interactive television.
  - 90. The apparatus of claim 73, wherein the communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 91. The apparatus of claim 73, wherein the limitation or restriction involves at least one of an amount of a transaction or transactions, an individual who may make a transaction, a specified type of proof of identity, a specific bank or financial institution authorized to accept or perform a transaction for the automated teller machine account, a geographical area or location within which a bank or financial institution may be authorized to accept or perform a transaction with the automated teller machine account, at least one of a specific time of day, a specific day, a date, and a time of the month, on which a transaction may be authorized, a limit of at least one of a charge-back, a returned item amount withdrawal, and a maintenance or other fee charge withdrawal, an authorized time for automated teller machine account usage, and a limitation or restriction regarding at least one of an amount of a transaction, a party involved, a geographical area, and a time of allowed usage.
  - 92. The apparatus of claim 73, wherein the processing device determines whether a hold for prohibiting a withdrawal is placed on the automated teller machine account, and further wherein the processing device disallows the banking transaction.
  - 93. The apparatus of claim 73, wherein the communication device is at least one of a beeper, a pager, a line-connected telephone, a two-way pager, a reply pager, a television, a digital television, a display telephone, a video telephone, a watch, and a facsimile machine.
  - 94. The apparatus of claim 73, wherein the processing device is programmed to automatically de-activate the automated teller machine account.
  - 95. The apparatus of claim 73, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record to the communication device or to a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the automated teller machine account for a time period, wherein the periodic transaction record is transmitted to the communication device or to the second communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 96. The apparatus of claim 95, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 97. The apparatus of claim 95, wherein the periodic transaction record is automatically provided or transmitted to the communication device or to the second communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 98. The apparatus of claim 73, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record in an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the automated teller machine account for a time period, wherein the periodic transaction record is transmitted to the at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 99. The apparatus of claim 73, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.

100. A transaction security apparatus, comprising:
- a memory device, wherein the memory devise stores a limitation or restriction on a use of an account, wherein the account is at least one of a credit card account, a charge card account, a debit card account, a currency card account, a “
  
  smart ”
  
  card account, a checking account, a savings account, and an automated teller machine account, wherein the limitation or restriction is transmitted from a communication device associated with an individual account holder, and further wherein the limitation or restriction is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, 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;
  
  a processing device, wherein the processing device processes an authorization request for a transaction on 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 first signal containing information for authorizing or disallowing the transaction, and further wherein the processing device generates a second signal containing information regarding the transaction; and
  
  a transmitter, wherein the transmitter transmits the second signal to the communication device or to a second communication device associated with the individual account holder, wherein the second signal is transmitted to the communication device or to the second communication device in real-time.
- View Dependent Claims (101)
- - 101. The apparatus of claim 100, wherein the second signal is transmitted on or over at least one of the Internet and the World Wide Web.

102. A transaction security apparatus, comprising:
- a memory device, wherein the memory device stores a limitation or restriction on a use of an account, wherein the account is capable of being utilized in transactions involving the purchase of goods and services, wherein the limitation or restriction is transmitted from a communication device associated with an individual account holder, and further wherein the limitation or restriction is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, 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, wherein the processing device processes an authorization request for a transaction on the account, wherein the processing device utilizes the limitation or restriction automatically stored in the memory device in processing the authorization request, and further wherein the processing device generates a signal containing information for authorizing or disallowing the transaction.
- View Dependent Claims (103, 104, 105, 106, 107, 108, 109, 110, 111, 112, 113, 114, 115, 116, 117, 118, 119, 120, 121, 122, 123, 124, 125, 126, 127, 128, 129, 130, 131, 132, 133, 134, 135, 136)
- - 103. The apparatus of claim 102, wherein the account is a credit card account or a charge card account.
  - 104. The apparatus of claim 102, wherein the account is a debit card account or a currency card account.
  - 105. The apparatus of claim 102, wherein the account is a “
    - smart”
      
      card account.
  - 106. The apparatus of claim 102, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to the communication device or to a second communication device associated with the individual account holder, wherein the second signal contains information regarding the transaction.
  - 107. The apparatus of claim 106, wherein the second communication device is at least one of a line-connected telephone, a two-way pager, a reply pager, 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, or the second communication device is at least one of a home computer and a personal computer and the second signal is transmitted to the at least one of a home computer and a personal computer on or over at least one of the Internet and the World Wide Web.
  - 108. The apparatus of claim 106, wherein the apparatus receives a third signal, wherein the third signal is transmitted from the communication device or from the second communication device, and further wherein the third signal contains information for authorizing or disallowing the transaction.
  - 109. The apparatus of claim 108, wherein the processing device processes the third signal and determines whether the transaction is authorized or disallowed, and further wherein the processing device transmits a fourth signal to a transaction authorization device, wherein the fourth signal contains information for at least one of authorizing the transaction, disallowing the transaction, and canceling the transaction.
  - 110. The apparatus of claim 106, wherein information contained in the second signal is transmitted on or over at least one of the Internet and the World Wide Web or is transmitted in at least one of a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 111. The apparatus of claim 102, wherein the authorization request is transmitted to the apparatus from at least one of a credit card authorization device, a charge card authorization device, and a debit card authorization device.
  - 112. The apparatus of claim 102, wherein the authorization request is transmitted to the apparatus from at least one of a currency card transaction authorization device and a “
    - smart”
      
      card authorization device.
  - 113. The apparatus of claim 102, wherein the authorization request is transmitted to the apparatus from a point-of-sale authorization device.
  - 114. The apparatus of claim 102, wherein the transaction is at least one of a point-of-sale transaction, a telephone order, and a mail order.
  - 115. The apparatus of claim 102, wherein the transaction is an Internet transaction.
  - 116. The apparatus of claim 102, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to a plurality of communication devices associated with the individual account holder, wherein the second signal contains information regarding the transaction, and further wherein the second signal is transmitted to the plurality of communication devices at least one of simultaneously and sequentially.
  - 117. The apparatus of claim 102, further comprising:
    - a transmitter, wherein the transmitter transmits an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the electronic mail message contains information regarding the transaction.
  - 118. The apparatus of claim 102, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, wherein the second signal contains information regarding the transaction, and further wherein a normal operation of the at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 119. The apparatus of claim 102, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 120. The apparatus of claim 102, wherein the apparatus is programmed to revert to a pre-established credit limit or spending limit.
  - 121. The apparatus of claim 102, wherein the communication device is utilized to program the apparatus to at least one of change a credit limit, decrease a credit limit, and increase a credit limit.
  - 122. The apparatus of claim 102, wherein the limitation or restriction involves at least one of a type of a transaction, a good or a service which may be purchased, a store or a service provider which may be authorized to accept a card associated with the account, a limit on a dollar amount of a transaction pertaining to each authorized at least one of vendor, seller, and service provider, a daily spending limit, at least one of a vendor, a seller, and a service provider, with which a card associated with the account may be utilized, a geographical area or location within which a card associated with the account may be utilized, an authorized time of account usage, and a limitation or restriction regarding at least one of an amount of a transaction, a party involved, a geographical area, and a time of allowed usage.
  - 123. The apparatus of claim 102, wherein the communication device is at least one of a beeper, a pager, a line-connected telephone, a two-way pager, a reply pager, a television, a digital television, a display telephone, a video telephone, a watch, and a facsimile machine.
  - 124. The apparatus of claim 102, wherein the processing device allows or disallows the transaction.
  - 125. The apparatus of claim 102, wherein the apparatus comprises a plurality of computers or computer systems.
  - 126. The apparatus of claim 102, wherein the communication device is at least one of a personal computer and a home computer.
  - 127. The apparatus of claim 102, wherein the communication device is a wireless device.
  - 128. The apparatus of claim 102, wherein the communication device is an interactive television.
  - 129. The apparatus of claim 102, wherein the communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 130. The apparatus of claim 102, wherein the communication device is utilized to change a personal identification number or an access code.
  - 131. The apparatus of claim 102, wherein the processing device is programmed to automatically de-activate the account.
  - 132. The apparatus of claim 102, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record to the communication device or to a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the account for a time period, wherein the periodic transaction record is transmitted to the communication device or to the second communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 133. The apparatus of claim 132, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 134. The apparatus of claim 132, wherein the periodic transaction record is automatically provided or transmitted to the communication device or to the second communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 135. The apparatus of claim 102, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record in an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the account for a time period, wherein the periodic transaction record is transmitted to the at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 136. The apparatus of claim 102, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.

137. A transaction security apparatus, comprising:
- a memory device, wherein the memory device stores a limitation or restriction regarding a use of an account, wherein the limitation or restriction is transmitted from a communication device associated with an individual account holder, and further wherein the limitation or restriction is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, 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, wherein the processing device processes an authorization request for a transaction on the account, wherein the authorization request is received from a transaction authorization device, wherein the transaction authorization device is utilized in at least one of a credit card transaction, a charge card transaction, a debit card transaction, a currency card transaction, and a “
  
  smart”
  
  card transaction, and further wherein the transaction authorization device is located at a point-of-sale in a transaction involving an in-person transaction or at a location of at least one of a goods provider and a service provider in a transaction involving at least one of a telephone order, a mail order, an Internet transaction, and an on-line transaction, wherein the processing device utilizes the limitation or restriction automatically stored in the memory device in processing the authorization request, and further wherein the processing device generates a signal containing information for authorizing or disallowing the transaction.
- View Dependent Claims (138, 139, 140, 141, 142, 143, 144, 145, 146, 147, 148, 149, 150, 151, 152, 153, 154, 155, 156, 157, 158, 159, 160, 161, 162, 163, 164, 165, 166, 167, 168)
- - 138. The apparatus of claim 137, further comprising:
    - a transmitter for transmitting a second signal to the communication device or to a second communication device associated with the individual account holder, wherein the second signal contains information regarding the transaction.
  - 139. The apparatus of claim 138, wherein the second communication device is at least one of a line-connected telephone, a two-way pager, a reply pager, 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, or the second communication device is at least one of a home computer and a personal computer and the second signal is transmitted to the at least one of a home computer and a personal computer on or over at least one of the Internet and the World Wide Web.
  - 140. The apparatus of claim 138, wherein the apparatus receives a third signal, wherein the third signal is received from the communication device or from the second communication device, and further wherein the third signal contains information for authorizing or disallowing the transaction, wherein the processing device processes the third signal and determines whether the transaction is authorized or disallowed, and further wherein the apparatus transmits a fourth signal to the transaction authorization device, wherein the fourth signal contains information for at least one of authorizing the transaction, disallowing the transaction, and canceling the transaction.
  - 141. The apparatus of claim 138, wherein information contained in the second signal is transmitted on or over at least one of the Internet and the World Wide Web or is transmitted to the communication device or to the second communication device in at least one of a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 142. The apparatus of claim 137, wherein the authorization request is transmitted to the apparatus from at least one of a credit card authorization device, a charge card authorization device, and a debit card authorization device.
  - 143. The apparatus of claim 137, wherein the authorization request is transmitted to the apparatus from at least one of a currency card authorization device and a “
    - smart”
      
      card authorization device.
  - 144. The apparatus of claim 137, wherein the authorization request is transmitted to the apparatus from a point-of-sale authorization device.
  - 145. The apparatus of claim 137, wherein the transaction is at least one of a point-of-sale transaction, a telephone order, a mail order, and an on-line transaction.
  - 146. The apparatus of claim 137, wherein the transaction is an Internet transaction.
  - 147. The apparatus of claim 137, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to a plurality of communication devices associated with the individual account holder, wherein the second signal contains information regarding the transaction, and further wherein the second signal is transmitted to the plurality of communication devices at least one of simultaneously and sequentially.
  - 148. The apparatus of claim 137, further comprising:
    - a transmitter, wherein the transmitter transmits an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the electronic mail message contains information regarding the transaction.
  - 149. The apparatus of claim 137, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, wherein the second signal contains information regarding the transaction, and further wherein a normal operation of the at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 150. The apparatus of claim 137, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 151. The apparatus of claim 137, wherein the apparatus is programmed to revert to a pre-established credit limit or spending limit.
  - 152. The apparatus of claim 137, wherein the communication device is utilized to program the apparatus to at least one of change a credit limit, decrease a credit limit, and increase a credit limit.
  - 153. The apparatus of claim 137, wherein the limitation or restriction involves at least one of a type of a transaction, a good or a service which may be purchased, a store or a service provider which may be authorized to accept a card associated with the account, a limit on a dollar amount of a transaction pertaining to each authorized at least one of vendor, seller, and service provider, a daily spending limit, at least one of a vendor, a seller, and a service provider, with which a card associated with the account may be utilized, a geographical area or location within which a card associated with the account may be utilized, an authorized time of account usage, and a limitation or restriction regarding at least one of an amount of a transaction, a party involved, a geographical area, and a time of allowed usage.
  - 154. The apparatus of claim 137, wherein the communication device is at least one of a beeper, a pager, a line-connected telephone, a two-way pager, a reply pager, a television, a digital television, a display telephone, a video telephone, a watch, and a facsimile machine.
  - 155. The apparatus of claim 137, wherein the apparatus comprises a plurality of computers or computer systems.
  - 156. The apparatus of claim 137, wherein the communication device is at least one of a personal computer and a home computer.
  - 157. The apparatus of claim 137, wherein the communication device is a wireless device.
  - 158. The apparatus of claim 137, wherein the communication device is an interactive television.
  - 159. The apparatus of claim 137, wherein the communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 160. The apparatus of claim 137, wherein the processing device is programmed to automatically de-activate the account.
  - 161. The apparatus of claim 137, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record to the communication device or to a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the account for a time period, wherein the periodic transaction record is transmitted to the communication device or to the second communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 162. The apparatus of claim 161, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 163. The apparatus of claim 161, wherein the periodic transaction record is automatically provided or transmitted to the communication device or to the second communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 164. The apparatus of claim 137, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record in an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the account for a time period, wherein the periodic transaction record is transmitted to the at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 165. The apparatus of claim 137, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 166. The apparatus of claim 137, wherein the account is a credit card account or a charge card account.
  - 167. The apparatus of claim 137, wherein the account is a debit card account or a currency card account.
  - 168. The apparatus of claim 137, wherein the account is a “
    - smart”
      
      card account.

169. A transaction security apparatus, comprising:
- a memory device, wherein the memory device stores a limitation or restriction on a use of an account, wherein the limitation or restriction is transmitted from a communication device associated with an individual account holder, and further wherein the limitation or restriction is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, wherein the limitation or restriction includes information regarding a name of a party authorized to use the account and information regarding a spending limit on the account, 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, wherein the processing device processes an authorization request for a transaction on the account, wherein the processing device utilizes the limitation or restriction automatically stored in the memory device in processing the authorization request, and further wherein the processing device generates a signal containing information for authorizing or disallowing the transaction.
- View Dependent Claims (170, 171, 172, 173, 174, 175, 176, 177, 178, 179, 180, 181, 182, 183, 184, 185, 186, 187, 188, 189, 190, 191, 192, 193, 194, 195, 196, 197)
- - 170. The apparatus of claim 169, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to the communication device or to a second communication device associated with the individual account holder, wherein the second signal contains information regarding the transaction.
  - 171. The apparatus of claim 170, wherein the second communication device is at least one of a line-connected telephone, a two-way pager, a reply pager, 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, or the second communication device is at least one of a home computer and a personal computer and the second signal is transmitted to the at least one of a home computer and a personal computer on or over at least one of the Internet and the World Wide Web.
  - 172. The apparatus of claim 170, wherein the apparatus receives a third signal, wherein the third signal is received from the communication device or from the second communication device, and further wherein the third signal contains information for authorizing or disallowing the transaction, wherein the processing device processes the third signal and determines whether the transaction is authorized or disallowed, and further wherein the apparatus transmits a fourth signal to a transaction authorization device, wherein the fourth signal contains information for at least one of authorizing the transaction, disallowing the transaction, and canceling the transaction.
  - 173. The apparatus of claim 170, wherein information contained in the second signal is transmitted on or over at least one of the Internet and the World Wide Web or is transmitted to the communication device or to the second communication device in at least one of a communication transmission, a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 174. The apparatus of claim 169, wherein the authorization request is transmitted to the apparatus from at least one of a credit card authorization device, a charge card authorization device, and a debit card authorization device.
  - 175. The apparatus of claim 169, wherein the authorization request is transmitted to the apparatus from at least one of a currency card authorization device and a “
    - smart”
      
      card authorization device.
  - 176. The apparatus of claim 169, wherein the authorization request is transmitted to the apparatus from a point-of-sale authorization device.
  - 177. The apparatus of claim 169, wherein the transaction is at least one of a point-of-sale transaction, a telephone order, a mail order, and an on-line transaction.
  - 178. The apparatus of claim 169, wherein the transaction is an Internet transaction.
  - 179. The apparatus of claim 169, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to a plurality of communication devices associated with the individual account holder, wherein the second signal contains information regarding the transaction, and further wherein the second signal is transmitted to the plurality of communication devices at least one of simultaneously and sequentially.
  - 180. The apparatus of claim 169, further comprising:
    - a transmitter, wherein the transmitter transmits an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the electronic mail message contains information regarding the transaction.
  - 181. The apparatus of claim 169, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, wherein the second signal contains information regarding the transaction, and further wherein a normal operation of the at least one of the communication device, a second communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, is interrupted to convey information to the individual account holder.
  - 182. The apparatus of claim 169, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 183. The apparatus of claim 169, wherein the apparatus is programmed to revert to a pre-established credit limit or spending limit.
  - 184. The apparatus of claim 169, wherein the communication device is utilized to program the apparatus to at least one of change a credit limit, decrease a credit limit, and increase a credit limit.
  - 185. The apparatus of claim 169, wherein the limitation or restriction involves at least one of a type of a transaction, a good or a service which may be purchased, a store or a service provider which may be authorized to accept a card associated with the account, a limit on a dollar amount of a transaction pertaining to each authorized at least one of vendor, seller, and service provider, a daily spending limit, at least one of a vendor, a seller, and a service provider, with which a card associated with the account may be utilized, a geographical area or location within which a card associated with the account may be utilized, an authorized time of account usage, and a limitation or restriction regarding at least one of an amount of a transaction, a party involved, a geographical area, and a time of allowed usage.
  - 186. The apparatus of claim 169, wherein the communication device is at least one of a beeper, a pager, a line-connected telephone, a two-way pager, a reply pager, a television, a digital television, a display telephone, a video telephone, a watch, and a facsimile machine.
  - 187. The apparatus of claim 169, wherein the apparatus comprises a plurality of computers or computer systems.
  - 188. The apparatus of claim 169, wherein the communication device is at least one of a personal computer and a home computer.
  - 189. The apparatus of claim 169, wherein the communication device is a wireless device.
  - 190. The apparatus of claim 169, wherein the communication device is an interactive television.
  - 191. The apparatus of claim 169, wherein the communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 192. The apparatus of claim 169, wherein the processing device is programmed to automatically de-activate the account.
  - 193. The apparatus of claim 169, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record to the communication device or to a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the account for a time period, wherein the periodic transaction record is transmitted to the communication device or to the second communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 194. The apparatus of claim 193, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 195. The apparatus of claim 193, wherein the periodic transaction record is provided or transmitted to the communication device or to the second communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 196. The apparatus of claim 169, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record in an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the account for a time period, wherein the periodic transaction record is transmitted to the at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 197. The apparatus of claim 169, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.

198. A transaction security apparatus, comprising:
- a memory device, wherein the memory device stores a limitation regarding a use of a first communication device on a wireless communication device account or on a cellular communication device account, wherein the limitation contains information regarding at least one of a phone number which may be called, a number from which an incoming call may be accepted or received, at least one of a time of day, a specific day, a date, and a time of month or year, during which the first communication device may be utilized on the wireless communication device account or on the cellular communication device account, an authorized time of usage of the first communication device on the wireless communication device account or on the cellular communication device account, an amount of a transaction, a party or parties involved, and a time of allowed usage, wherein the limitation is transmitted from a second communication device associated with an individual account holder or from the first communication device, and further wherein the limitation is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, wherein the limitation is automatically received by the receiver, and further wherein the limitation is automatically stored in the memory device; and
  
  a processing device, wherein the processing device processes information regarding a use of the first communication device on the wireless communication device account or on the cellular communication device account or an attempt to use the first communication device on the wireless communication device account or on the cellular communication device account, wherein the processing device utilizes the limitation automatically stored in the memory device in processing the information regarding a use of the first communication device on the wireless communication device account or on the cellular communication device account or an attempt to use the first communication device on the wireless communication device account or on the cellular communication device account, and further wherein the processing device generates a signal containing information for allowing or disallowing the use of the first communication device on the wireless communication device account or on the cellular communication device account.
- View Dependent Claims (199, 200, 201, 202, 203, 204, 205, 206, 207, 208, 209, 210, 211, 212, 213, 214, 215, 216, 217, 218, 219, 220, 221, 226)
- - 199. The apparatus of claim 198, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to the second communication device or to a third communication device associated with the individual account holder, wherein the second signal contains information regarding the use of the first communication device on the wireless communication device account or on the cellular communication device account or the attempt to use the first communication device on the wireless communication device account or on the cellular communication device account.
  - 200. The apparatus of claim 199, wherein the apparatus receives a third signal from the second communication device or from the third communication device, wherein the third signal contains information for allowing or disallowing the use of the first communication device on the wireless communication device account or on the cellular communication device account.
  - 201. The apparatus of claim 198, wherein the processing device processes the third signal and determines whether the use of the first communication device on the wireless communication device account or on the cellular communication device account is allowed or disallowed, and further wherein the processing device at least one of allows the use of the first communication device, disallows the use of the first communication device, and terminates the use of the first communication device.
  - 202. The apparatus of claim 199, wherein information contained in the second signal is transmitted on or over at least one of the Internet and the World Wide Web or is transmitted to the second communication device or to the third communication device in at least one of a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 203. The apparatus of claim 199, wherein the second signal contains information regarding a number called, a time of a call, and a duration of a call.
  - 204. The apparatus of claim 198, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to a plurality of second communication devices associated with the individual account holder at least one of simultaneously and sequentially.
  - 205. The apparatus of claim 198, further comprising:
    - a transmitter, wherein the transmitter transmits an electronic mail message to at least one of a network computer, the second communication device, and a third communication device associated with the individual account holder, wherein the electronic mail message contains information regarding a use of the first communication device on the wireless communication device account or on the cellular communication device account or an attempt to use the first communication device on the wireless communication device account or on the cellular communication device account.
  - 206. The apparatus of claim 198, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 207. The apparatus of claim 198, wherein the second communication device is at least one of a beeper, a pager, a line-connected telephone, a two-way pager, a reply pager, a television, a digital television, a display telephone, a video telephone, a watch, and a facsimile machine.
  - 208. The apparatus of claim 198, wherein the processing device utilizes a second limitation automatically received from the second communication device or from a third communication device associated with the individual account holder and automatically stored in the memory device in processing information regarding the use of the first communication device on the wireless communication device account or on the cellular communication device account or the attempt to use the first communication device on the wireless communication device account or on the cellular communication device account, wherein the second limitation contains information regarding at least one of a geographical area which may be called or accessed, geographical areas which may be called or accessed, a location which may be called or accessed, locations which may be called or accessed, a geographical area or areas from which calls may be received, a location or locations from which calls may be received, a specific phone number or specific phone numbers which may be called, a specific time duration or specific time durations for a phone call, and an authorized time or authorized times for first communication device usage.
  - 209. The apparatus of claim 198, further comprising:
    - a transmitter, wherein the transmitter transmits a second signal to at least one of the second communication device, a third communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, wherein the second signal contains information regarding the use of the first communication device on the wireless communication device account or on the cellular communication device account or the attempt to use the first communication device on the wireless communication device account or on the cellular communication device account, and further wherein a normal operation of the at least one of the second communication device, a third communication device associated with the individual account holder, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 210. The apparatus of claim 198, wherein the second communication device is at least one of a line-connected telephone, a two-way pager, a reply pager, a personal communication device, a personal communication services device, a television, a digital television, a display telephone, a video telephone, a watch, a mobile telephone, and a facsimile machine.
  - 211. The apparatus of claim 198, wherein the apparatus comprises a plurality of computers or computer systems.
  - 212. The apparatus of claim 198, wherein the second communication device is at least one of a personal computer and a home computer.
  - 213. The apparatus of claim 198, wherein the second communication device is a wireless device.
  - 214. The apparatus of claim 198, wherein the second communication device is an interactive television.
  - 215. The apparatus of claim 198, wherein the second communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 216. The apparatus of claim 198, wherein the processing device is programmed to automatically de-activate the wireless communication device account or the cellular communication device account.
  - 217. The apparatus of claim 198, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record to the second communication device or to a third communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the wireless communication device account or on the cellular communication device account for a time period, wherein the periodic transaction record is transmitted to the second communication device or to the third communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 218. The apparatus of claim 217, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 219. The apparatus of claim 217, wherein the periodic transaction record is automatically provided or transmitted to the second communication device or to the third communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 220. The apparatus of claim 198, further comprising:
    - a transmitter, wherein the transmitter transmits a periodic transaction record in an electronic mail message to at least one of a network computer, the second communication device, and a third communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the wireless communication device account or on the cellular communication device account for a time period, wherein the periodic transaction record is transmitted to the at least one of a network computer, the second communication device, and a third communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 221. The apparatus of claim 198, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 226. The apparatus of claim 220, wherein the processing device counts a number of unauthorized transactions occurring on the checking account, and further wherein the processing device at least one of cancels a transaction and de-activates the checking account when a pre-determined unauthorized transaction count is reached.

222. A transaction security apparatus, comprising:
- a processing device, wherein the processing device processes information regarding a banking transaction, wherein the banking transaction involves a checking account, wherein the information is input via an input device or automatically received by a receiver, wherein the processing device is capable of allowing or disallowing the banking transaction, and further wherein the processing device generates a signal containing information regarding the banking transaction; and
  
  a transmitter, wherein the transmitter transmits the signal to a communication device associated with an individual account holder, wherein the signal is transmitted to the communication device in real-time, and further wherein the communication device provides information to the individual account holder regarding the banking transaction, wherein the 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.
- View Dependent Claims (223, 224, 225, 227, 228, 229, 230, 231, 232, 233, 234, 235, 236, 237, 238, 239, 240, 241, 242, 243, 244, 245, 246, 247, 248, 249, 250, 251, 252, 253, 254, 255, 256, 257, 258)
- - 223. The apparatus of claim 222, further comprising:
    - a receiver, wherein the receiver receives a second signal from the communication device, wherein the second signal contains information for allowing or disallowing the banking transaction.
  - 224. The apparatus of claim 223, wherein the processing device processes the second signal and determines whether the banking transaction is allowed or disallowed.
  - 225. The apparatus of claim 223, wherein the processing device processes the second signal and determines whether the banking transaction is allowed or disallowed, and further wherein the processing device generates a third signal containing information for at least one of allowing the banking transaction, disallowing the banking transaction, and canceling the banking transaction.
  - 227. The apparatus of claim 222, wherein the processing device determines whether a hold is placed on the checking account for prohibiting a withdrawal from the checking account, and further wherein the processing device disallows the withdrawal from the checking account.
  - 228. The apparatus of claim 222, wherein the apparatus is at least one of a debit card authorization device, a currency card authorization device, and a “
    - smart”
      
      card authorization device.
  - 229. The apparatus of claim 222, wherein the processing device allows or disallows the banking transaction.
  - 230. The apparatus of claim 222, wherein the banking transaction is an account settling transaction.
  - 231. The apparatus of claim 222, wherein the apparatus processes information regarding at least one of a deposit, a withdrawal, a check cashed, a draft, an ATM deposit, an ATM withdrawal, a charge made against the checking account, and a credit made to the checking account.
  - 232. The apparatus of claim 222, wherein the signal is transmitted to the communication device on or over at least one of the Internet and the World Wide Web.
  - 233. The apparatus of claim 222, wherein the apparatus transmits the signal to a plurality of communication devices associated with the individual account holder at least one of simultaneously and sequentially.
  - 234. The apparatus of claim 222, wherein information contained in the signal is transmitted to the communication device on or over at least one of the Internet and the World Wide Web or is transmitted to the communication device in at least one of a communication transmission, a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 235. The apparatus of claim 222, wherein the banking transaction is a check cashing transaction.
  - 236. The apparatus of claim 222, wherein the apparatus transmits an electronic mail message to at least one of a network computer and the communication device, wherein the electronic mail message contains information regarding the banking transaction.
  - 237. The apparatus of claim 222, wherein the processing device suspends a use of the checking account or suspends a use of a card associated with the checking account.
  - 238. The apparatus of claim 222, wherein the apparatus transmits the signal to at least one of the communication device, a computer, a radio, a car radio, and a television, and further wherein a normal operation of the at least one of the communication device, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 239. The apparatus of claim 222, wherein the apparatus comprises a plurality of computers or computer systems.
  - 240. The apparatus of claim 222, wherein the apparatus transmits a periodic transaction record to the communication device or to a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the checking account for a time period, wherein the periodic transaction record is transmitted to the communication device or to the second communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 241. The apparatus of claim 240, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 242. The apparatus of claim 240, wherein the periodic transaction record is automatically provided or transmitted to the communication device or to the second communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 243. The apparatus of claim 222, wherein the apparatus transmits a periodic transaction record in an electronic mail message, wherein the periodic transaction record shows a transaction or transactions on the checking account for a time period, wherein the periodic transaction record is transmitted to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 244. The apparatus of claim 222, wherein information contained in the signal is displayed via a display device associated with the communication device.
  - 245. The apparatus of claim 222, wherein the signal contains information regarding a check being presented for payment.
  - 246. The apparatus of claim 222, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 247. The apparatus of claim 222, wherein the input device is an automated teller machine terminal.
  - 248. The apparatus of claim 222, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 249. The apparatus of claim 222, wherein the communication device is at least one of a personal computer and a home computer, and further wherein the signal is transmitted to the at least one of a personal computer and a home computer on or over at least one of the Internet and the World Wide Web.
  - 250. The apparatus of claim 222, wherein the communication device is a wireless device.
  - 251. The apparatus of claim 222, wherein the communication device is an interactive television.
  - 252. The apparatus of claim 222, wherein the communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 253. The apparatus of claim 222, wherein the apparatus is programmed to revert to a pre-established spending limit.
  - 254. The apparatus of claim 222, wherein the processing device is programmed to automatically de-activate the checking account.
  - 255. The apparatus of claim 222, wherein the banking transaction is a check clearing transaction.
  - 256. The apparatus of claim 222, wherein the banking transaction is at least one of a clearing transaction, an account charging transaction, and a charge-back transaction.
  - 257. The apparatus of claim 222, wherein information contained in the signal is transmitted in an electronic mail message.
  - 258. The apparatus of claim 222, wherein the banking transaction is a checking account transaction.

259. A transaction security apparatus, comprising:
- a processing device, wherein the processing device processes information regarding a banking transaction, wherein the banking transaction involves a savings account, wherein the information is input via an input device or automatically received by a receiver, wherein the processing device is capable of allowing or disallowing the banking transaction, and further wherein the processing device generates a signal containing information regarding the banking transaction; and
  
  a transmitter, wherein the transmitter transmits the signal to a communication device associated with an individual account holder, wherein the signal is transmitted to the communication device in real-time, and further wherein the communication device provides information to the individual account holder regarding the banking transaction, wherein the 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.
- View Dependent Claims (260, 261, 262, 263, 264, 265, 266, 267, 268, 269, 270, 271, 272, 273, 274, 275, 276, 277, 278, 279, 280, 281, 282, 283, 284, 285, 286, 287)
- - 260. The apparatus of claim 259, further comprising:
    - a receiver, wherein the receiver receives a second signal from the communication device, wherein the second signal contains information for allowing or disallowing the banking transaction.
  - 261. The apparatus of claim 260, wherein the processing device processes the second signal and determines whether the banking transaction is allowed or disallowed, and further wherein the processing device generates a third signal containing information for at least one of allowing the banking transaction, disallowing the banking transaction, and canceling the banking transaction.
  - 262. The apparatus of claim 259, wherein the processing device counts a number of unauthorized transactions occurring on the savings account, and further wherein the processing device at least one of cancels a transaction and de-activates the savings account when a pre-determined unauthorized transaction count is reached.
  - 263. The apparatus of claim 259, wherein the processing device determines whether a hold is placed on the savings account for prohibiting a withdrawal from the savings account, and further wherein the processing device allows or disallows the withdrawal from the savings account.
  - 264. The apparatus of claim 259, wherein the apparatus is at least one of a debit card authorization device, a currency card authorization device, and a “
    - smart”
      
      card authorization device.
  - 265. The apparatus of claim 259, wherein the banking transaction is at least one of an account charging transaction, a charge-back transaction, and an account settling transaction.
  - 266. The apparatus of claim 259, wherein the apparatus processes information regarding at least one of a deposit, a withdrawal, an ATM deposit, and an ATM withdrawal.
  - 267. The apparatus of claim 259, wherein the signal is transmitted to the communication device on or over at least one of the Internet and the World Wide Web.
  - 268. The apparatus of claim 259, wherein the apparatus transmits the signal to a plurality of communication devices associated with the individual account holder at least one of simultaneously and sequentially.
  - 269. The apparatus of claim 259, wherein information contained in the signal is transmitted to the communication device on or over at least one of the Internet and the World Wide Web or in at least one of a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 270. The apparatus of claim 259, wherein the apparatus transmits an electronic mail message to at least one of a network computer and the communication device, wherein the electronic mail message contains information regarding the banking transaction.
  - 271. The apparatus of claim 259, wherein the processing device suspends a use of the savings account or suspends a use of a card associated with the savings account.
  - 272. The apparatus of claim 259, wherein the apparatus transmits the signal to at least one of the communication device, a computer, a radio, a car radio, and a television, and further wherein a normal operation of the at least one of the communication device, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 273. The apparatus of claim 259, wherein the apparatus comprises a plurality of computers or computer systems.
  - 274. The apparatus of claim 259, wherein the apparatus transmits a periodic transaction record to the communication device or to a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the savings account for a time period, wherein the periodic transaction record is transmitted to the communication device or to the second communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 275. The apparatus of claim 274, wherein the apparatus is programmed to automatically provide. or transmit the periodic transaction record.
  - 276. The apparatus of claim 274, wherein the periodic transaction record is automatically provided or transmitted to the communication device or to the second communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 277. The apparatus of claim 259, wherein the apparatus transmits a periodic transaction record in an electronic mail message, wherein the periodic transaction record shows a transaction or transactions on the savings account for a time period, wherein the periodic transaction record is transmitted to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 278. The apparatus of claim 259, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 279. The apparatus of claim 259, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 280. The apparatus of claim 259, wherein the communication device is at least one of a personal computer and a home computer, and further wherein the signal is transmitted to the at least one of a personal computer and a home computer on or over at least one of the Internet and the World Wide Web.
  - 281. The apparatus of claim 259, wherein the communication device is a wireless device.
  - 282. The apparatus of claim 259, wherein the communication device is an interactive television.
  - 283. The apparatus of claim 259, wherein the communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 284. The apparatus of claim 259, wherein the processing device is programmed to automatically de-activate the savings account.
  - 285. The apparatus of claim 259, wherein the apparatus allows or disallows the banking transaction.
  - 286. The apparatus of claim 259, wherein information contained in the signal is transmitted in an electronic mail message.
  - 287. The apparatus of claim 259, wherein the banking transaction is a savings account transaction.

288. A transaction security apparatus, comprising:
- a processing device, wherein the processing device processes information regarding a banking transaction, wherein the banking transaction involves an automated teller machine account, wherein the information is input via an input device or automatically received by a receiver, wherein the processing device is capable of allowing or disallowing the banking transaction, and further wherein the processing device generates a signal containing information regarding the banking transaction; and
  
  a transmitter, wherein the transmitter transmits the signal to a communication device associated with an individual account holder, wherein the signal is transmitted to the communication device in real-time, and further wherein the communication device provides information to the individual account holder regarding the banking transaction, wherein the 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.
- View Dependent Claims (289, 290, 291, 292, 293, 294, 295, 296, 297, 298, 299, 300, 301, 302, 303, 304, 305, 306, 307, 308, 309, 310, 311, 312, 313, 314, 315, 316)
- - 289. The apparatus of claim 288, further comprising:
    - a receiver, wherein the receiver receives a second signal from the communication device, wherein the second signal contains information for allowing or disallowing the banking transaction.
  - 290. The apparatus of claim 289, wherein the processing device processes the second signal and determines whether the banking transaction is allowed or disallowed.
  - 291. The apparatus of claim 289, wherein the processing device processes the second signal and determines whether the banking transaction is allowed or disallowed, and further wherein the processing device generates a third signal containing information for at least one of allowing the banking transaction, disallowing the banking transaction, and canceling the banking transaction.
  - 292. The apparatus of claim 288, wherein the processing device counts a number of unauthorized transactions occurring on the automated teller machine account, and further wherein the processing device at least one of cancels a transaction and de-activates the automated teller machine account when a pre-determined unauthorized transaction count is reached.
  - 293. The apparatus of claim 288, wherein the processing device determines whether a hold is placed on the automated teller machine account for prohibiting a withdrawal from the automated teller machine account, and further wherein the processing device allows or disallows the withdrawal from the automated teller machine account.
  - 294. The apparatus of claim 288, wherein the apparatus is at least one of a debit card authorization device, a currency card authorization device, and a “
    - smart”
      
      card authorization device.
  - 295. The apparatus of claim 288, wherein the banking transaction involves a withdrawal from the automated teller machine account.
  - 296. The apparatus of claim 288, wherein the apparatus processes information regarding at least one of a deposit, a withdrawal, an ATM deposit, an ATM withdrawal, a charge made against the automated teller machine account, and a credit made to the automated teller machine account.
  - 297. The apparatus of claim 288, wherein the signal is transmitted on or over at least one of the Internet and the World Wide Web.
  - 298. The apparatus of claim 288, wherein the apparatus transmits the signal to a plurality of communication devices associated with the individual account holder at least one of simultaneously and sequentially.
  - 299. The apparatus of claim 288, wherein information contained in the signal is transmitted to the communication device on or over at least one of the Internet and the World Wide Web or is transmitted to the communication device in at least one of a communication transmission, a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 300. The apparatus of claim 288, wherein the apparatus transmits an electronic mail message to at least one of a network computer and the communication device, wherein the electronic mail message contains information regarding the banking transaction.
  - 301. The apparatus of claim 288, wherein the processing device suspends a use of the automated teller machine account or suspends a use of a card associated with the automated teller machine account.
  - 302. The apparatus of claim 288, wherein the apparatus transmits the signal to at least one of the communication device, a computer, a radio, a car radio, and a television, and further wherein a normal operation of the at least one of the communication device, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 303. The apparatus of claim 288, wherein the apparatus comprises a plurality of computers or computer systems.
  - 304. The apparatus of claim 288, wherein the apparatus transmits a periodic transaction record to the communication device or to a second communication device associated with the individual account holder, wherein the periodic transaction record shows a transaction or transactions on the automated teller machine account for a time period, wherein the periodic transaction record is transmitted to the communication device or to the second communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 305. The apparatus of claim 304, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 306. The apparatus of claim 304, wherein the periodic transaction record is automatically provided or transmitted to the communication device or to the second communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 307. The apparatus of claim 288, wherein the apparatus transmits a periodic transaction record in an electronic mail message, wherein the periodic transaction record shows a transaction or transactions on the automated teller machine account for a time period, wherein the periodic transaction record is transmitted to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 308. The apparatus of claim 288, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 309. The apparatus of claim 288, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 310. The apparatus of claim 288, wherein the communication device is at least one of a personal computer and a home computer, and further wherein the signal is transmitted to the at least one of a personal computer and a home computer on or over at least one of the Internet and the World Wide Web.
  - 311. The apparatus of claim 288, wherein the communication device is a wireless device.
  - 312. The apparatus of claim 288, wherein the communication device is an interactive television.
  - 313. The apparatus of claim 288, wherein the communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 314. The apparatus of claim 288, wherein the processing device is programmed to automatically de-activate the automated teller machine account.
  - 315. The apparatus of claim 288, wherein the banking transaction is an automated teller machine transaction.
  - 316. The apparatus of claim 288, wherein information contained in the signal is transmitted in an electronic mail message.

317. A transaction security apparatus, comprising:
- at least one of an input device and a data entry device, wherein the at least one of an input device and a data entry device at least one of inputs and enters transaction information regarding a transaction into the apparatus;
  
  a processing device, wherein the processing device processes the transaction information and generates a signal corresponding to the transaction; and
  
  a transmitter, wherein the transmitter transmits the signal from the apparatus to a communication device on or over at least one of the Internet and the World Wide Web independently of any processing of the transaction by a central transaction processing computer, wherein the communication device is associated with an individual account holder, and further wherein the communication device provides information to the individual account holder regarding the transaction, wherein the 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.
- View Dependent Claims (318, 319, 320, 321, 322, 323, 324, 325, 326, 327, 328, 329, 330, 331, 332, 333, 334, 335, 336, 337, 338, 339, 340, 341, 342, 343, 344, 345, 346, 347, 348)
- - 318. The apparatus of claim 317, further comprising:
    - a receiver, wherein the receiver receives a second signal from the communication device, wherein the second signal contains information for at least one of authorizing, allowing, and disallowing, the transaction.
  - 319. The apparatus of claim 317, wherein the apparatus transmits the signal to a central transaction processing computer.
  - 320. The apparatus of claim 317, further comprising:
    - a receiver, wherein the receiver receives a second signal, wherein the second signal is transmitted from at least one of the communication device and a central transaction processing computer, wherein the second signal contains information for at least one of authorizing, allowing, and disallowing, the transaction.
  - 321. The apparatus of claim 317, wherein the apparatus is at least one of a point-of-sale authorization device, a point-of-sale authorization terminal, and a transaction authorization device.
  - 322. The apparatus of claim 317, wherein the apparatus is at least one of a credit card authorization device, a charge card authorization device, and a debit card authorization device.
  - 323. The apparatus of claim 317, wherein the apparatus is at least one of a currency card authorization device and a “
    - smart”
      
      card authorization device.
  - 324. The apparatus of claim 317, wherein the transaction is an Internet transaction.
  - 325. The apparatus of claim 317, wherein the signal contains information regarding a card utilized in the transaction and an amount of the transaction.
  - 326. The apparatus of claim 317, wherein the apparatus is a component of a cash register.
  - 327. The apparatus of claim 317, further comprising:
    - at least one of a display device for displaying information regarding the transaction and a printer for outputting information regarding the transaction.
  - 328. The apparatus of claim 317, wherein the transaction involves a use of at least one of a credit card, a charge card, a debit card, a currency card, and a “
    - smart”
      
      card.
  - 329. The apparatus of claim 317, wherein the transaction is at least one of a checking account transaction, a savings account transaction, and an automated teller machine account transaction.
  - 330. The apparatus of claim 317, wherein the apparatus is at least one of a banking transaction device, a banking transaction terminal, a teller terminal, a teller work station, a processing computer terminal, an automated teller machine terminal, a cashier work station, and an over-the-counter transaction device.
  - 331. The apparatus of claim 317, further comprising:
    - at least one of a reading device and a scanning device for at least one of reading and scanning information regarding the transaction.
  - 332. The apparatus of claim 317, wherein the apparatus is at least one of a wireless communication device and a cellular communication device.
  - 333. The apparatus of claim 317, wherein the apparatus transmits the signal to a plurality of communication devices associated with the individual account holder at least one of simultaneously and sequentially.
  - 334. The apparatus of claim 317, wherein information contained in the signal is transmitted to the communication device in at least one of a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 335. The apparatus of claim 317, wherein the transaction is at least one of a check cashing transaction, a withdrawal from a savings account, and a withdrawal from an automated teller machine account.
  - 336. The apparatus of claim 317, wherein the apparatus transmits an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the electronic mail message contains information regarding the transaction.
  - 337. The apparatus of claim 317, further comprising:
    - a receiver, wherein the receiver receives a second signal, wherein the second signal is transmitted from at least one of the communication device and a central transaction processing computer, wherein the second signal contains information for at least one of authorizing, allowing, and disallowing, the transaction, wherein the processing device processes the second signal, and further wherein the processing device at least one of authorizes the transaction, disallows the transaction, and cancels the transaction.
  - 338. The apparatus of claim 317, wherein the apparatus transmits the signal to at least one of the communication device, a computer, a radio, a car radio, and a television, and further wherein a normal operation of the at least one of the communication device, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 339. The apparatus of claim 317, wherein the signal contains information regarding at least one of information identifying the transaction, a name of a store or service provider, an amount of the transaction, a time of the transaction, a location of the transaction, and a good or service involved in the transaction.
  - 340. The apparatus of claim 317, wherein the signal contains information regarding at least one of a name of a bank or financial institution where the transaction is taking place, an account number or description, a description of a person seeking to make the transaction, and a type of transaction.
  - 341. The apparatus of claim 317, wherein the apparatus suspends an account involved in the transaction or suspends a use of a card associated with an account involved in the transaction.
  - 342. The apparatus of claim 317, wherein the communication device is at least one of a personal computer and a home computer.
  - 343. The apparatus of claim 317, wherein the communication device is a wireless device.
  - 344. The apparatus of claim 317, wherein the communication device is an interactive television.
  - 345. The apparatus of claim 317, wherein the communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 346. The apparatus of claim 317, wherein information contained in the signal is transmitted in an electronic mail message.
  - 347. The apparatus of claim 317, wherein the transaction is at least one of a point-of-sale transaction, a telephone order, and a mail order.
  - 348. The apparatus of claim 317, wherein the transaction is an on-line transaction.

349. A transaction security apparatus, comprising:
- a memory device, wherein the memory device stores a limitation regarding a use of a first communication device on a wireless communication device account or on a cellular communication device account, wherein the limitation contains information regarding at least one of a phone number which may be called, a number from which an incoming call may be accepted or received, at least one of a time of day, a specific day, a date, and a time of a month or year, during which the first communication device may be utilized on the wireless communication device account or on the cellular communication device account, an authorized time of usage of the first communication device on the wireless communication device account or on the cellular communication device account, an amount of a transaction, a party or parties involved, and a time of an allowed usage, wherein the limitation is transmitted from the first communication device or from a second communication device associated with an individual account holder, and further wherein the limitation is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, wherein the limitation is automatically received by the receiver, and further wherein the limitation is automatically stored in the memory device;
  
  a processing device, wherein the processing device processes information regarding a use of the first communication device on a wireless communication device account or on a cellular communication device account or an attempt to use the first communication device on a wireless communication device account or on a cellular communication device account, wherein the processing device is capable of allowing or disallowing the use of the first communication device, wherein the processing device determines whether the limitation automatically stored in the memory device is met, and further wherein the processing device generates a signal containing information regarding the use of the first communication device on the wireless communication device account or on the cellular communication device account or the attempt to use the first communication device on the wireless communication device account or on the cellular communication device account; and
  
  a transmitter, wherein the transmitter transmits the signal to the second communication device or to a third communication device associated with the individual account holder, wherein the signal is transmitted to the second communication device or to the third communication device in real-time, and further wherein the second communication device or the third communication device provides information to the individual account holder regarding the use of the first communication device on the wireless communication device account or on the cellular communication device account or the attempt to use the first communication device on the wireless communication device account or on the cellular communication device account, wherein at least one of the second communication device and the third 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.
- View Dependent Claims (350, 351, 352, 353, 354, 355, 356, 357, 358, 359, 360, 361, 362, 363, 364, 365, 366, 367, 368, 369)
- - 350. The apparatus of claim 349, wherein the apparatus receives a second signal from the second communication device or from the third communication device, wherein the second signal contains information for allowing or disallowing the use of the first communication device.
  - 351. The apparatus of claim 350, wherein the processing device processes the second signal and determines whether the use of the first communication device on the wireless communication device account or on the cellular communication device account is allowed or disallowed, and further wherein the processing device at least one of allows the use of the first communication device on the wireless communication device account or on the cellular communication device account, disallows the use of the first communication device on the wireless communication device account or on the cellular communication device account, and terminates the use of the first communication device on the wireless communication device account or on the cellular communication device account.
  - 352. The apparatus of claim 349, wherein the apparatus transmits the signal to a plurality of second communication devices or to a plurality of third communication devices at least one of simultaneously and sequentially.
  - 353. The apparatus of claim 349, wherein information contained in the signal is transmitted to the second communication device or to the third communication device on or over at least one of the Internet and the World Wide Web or is transmitted to the second communication device or to the third communication device in at least one of a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering service message.
  - 354. The apparatus of claim 349, wherein the apparatus transmits an electronic mail message to at least one of a network computer, the second communication device, and the third communication device, wherein the electronic mail message contains information regarding at least one of the use of the first communication device and the attempt to use the first communication device.
  - 355. The apparatus of claim 349, wherein the apparatus transmits the signal to at least one of the second communication device, the third communication device, a computer, a radio, a car radio, and a television, and further wherein a normal operation of the at least one of the second communication device, the third communication device, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 356. The apparatus of claim 349, wherein the apparatus comprises a plurality of computers or computer systems.
  - 357. The apparatus of claim 349, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 358. The apparatus of claim 349, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 359. The apparatus of claim 349, wherein the processing device at least one of de-activates and cancels the wireless communication device account or the cellular communication device account.
  - 360. The apparatus of claim 349, wherein the apparatus transmits a periodic transaction record to the second communication device or to the third communication device, wherein the periodic transaction record shows a transaction or transactions on the wireless communication device account or on the cellular communication device account for a time period, wherein the periodic transaction record is transmitted to the second communication device or to the third communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 361. The apparatus of claim 360, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 362. The apparatus of claim 360, wherein the periodic transaction record is automatically provided or transmitted to the second communication device or to the third communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 363. The apparatus of claim 349, wherein the apparatus transmits a periodic transaction record in an electronic mail message, wherein the periodic transaction record shows a transaction or transactions on the wireless communication device account or on the cellular communication device account for a time period, wherein the periodic transaction record is transmitted to at least one of a network computer, the second communication device, and the third communication device, at least one of automatically and in response to a request for the periodic transaction record.
  - 364. The apparatus of claim 349, wherein the signal contains information regarding at least one of a number called, a time of a call, and a duration of a call.
  - 365. The apparatus of claim 349, wherein at least one of the second communication device and the third communication device is at least one of a personal computer and a home computer.
  - 366. The apparatus of claim 349, wherein at least one of the second communication device and the third communication device is a wireless device.
  - 367. The apparatus of claim 349, wherein at least one of the second communication device and the third communication device is an interactive television.
  - 368. The apparatus of claim 349, wherein at least one of the second communication device and the third communication device is at least one of a wireless telephone, a cellular telephone, and a personal digital assistant.
  - 369. The apparatus of claim 349, wherein information contained in the signal is transmitted in an electronic mail message.

370. A transaction security apparatus, comprising:
- a receiver, wherein the receiver receives a first signal, wherein the first signal is transmitted from a transaction device to the receiver on or over at least one of the Internet and the World Wide Web independently of any processing of a transaction by a central transaction processing computer, wherein the apparatus is associated with an individual account holder, and further wherein the first signal contains information regarding a transaction occurring on an account, wherein the apparatus 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; and
  
  a processing device, wherein the processing device processes the first signal and generates a second signal, wherein the second signal provides information regarding the transaction to the individual account holder.
- View Dependent Claims (371, 372, 373, 374)
- - 371. The apparatus of claim 370, further comprising:
    - a transmitter, wherein the transmitter transmits a third signal to the transaction device, wherein the third signal contains information for at least one of authorizing the transaction, allowing the transaction, and disallowing the transaction.
  - 372. The apparatus of claim 371, wherein the third signal is transmitted on or over at least one of the Internet and the World Wide Web.
  - 373. The apparatus of claim 370, wherein the apparatus is programmed to automatically transmit a third signal to the transaction device in response to the first signal, wherein the third signal contains information for at least one of authorizing, allowing, and disallowing the transaction.
  - 374. The apparatus of claim 370, further comprising:
    - a display device, wherein the display device displays information contained in the second signal, wherein the second signal contains information regarding at least one of a name of a store or a service provider, a name of a bank or a financial institution, an amount of the transaction, a time of the transaction, a location of the transaction, and information regarding a good or a service involved in the transaction.

375. A transaction security apparatus, comprising:
- a processing device, wherein the processing device processes information regarding a transaction, wherein the transaction is at least one of a credit card transaction, a transaction on or involving a credit account, a charge card transaction, a transaction on or involving a charge account, a debit card transaction, a transaction on or involving a debit account, a currency card transaction, and a “
  
  smart”
  
  card transaction, wherein the information regarding a transaction is automatically received by a receiver or is input via an input device, and further wherein the processing device generates a signal containing information regarding the transaction; and
  
  a transmitter, wherein the transmitter transmits the signal to a communication device associated with an individual account holder, wherein the signal is transmitted to the communication device on or over at least one of the Internet and the World Wide Web, wherein the communication device provides information to the individual account holder regarding the transaction, and further wherein the 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.
- View Dependent Claims (376, 377, 378, 379, 380, 381, 382, 383, 384, 385, 386, 387, 388, 389, 390, 391, 392, 393, 394, 395, 396, 397, 398, 399, 400, 401, 402, 403, 404, 405, 406, 407, 408, 409, 410, 411, 412, 413)
- - 376. The apparatus of claim 375, wherein the signal is transmitted to the communication device in real-time.
  - 377. The apparatus of claim 375, wherein information contained in the signal is transmitted in an electronic mail message.
  - 378. The apparatus of claim 375, further comprising:
    - a receiver, wherein the receiver receives a second signal from the communication device, wherein the second signal contains information for at least one of authorizing, allowing, and disallowing, the transaction.
  - 379. The apparatus of claim 375, wherein the communication device is programmed to at least one of automatically authorize the transaction, automatically disallow the transaction, and automatically disapprove of the transaction.
  - 380. The apparatus of claim 375, wherein the communication device is programmed to limit an amount of the transaction.
  - 381. The apparatus of claim 375, wherein the information regarding a transaction is transmitted to the apparatus from at least one of a point-of-sale authorization device, a point-of-sale authorization terminal, a transaction authorization device, a credit card authorization device, a charge card authorization device, and a debit card authorization device.
  - 382. The apparatus of claim 375, wherein the apparatus transmits a second signal to at least one of a point-of-sale authorization device, a point-of-sale authorization terminal, a transaction authorization device, a credit card authorization device, a charge card authorization device, and a debit card authorization device, wherein the second signal contains information for at least one of authorizing, allowing, and disallowing, the transaction.
  - 383. The apparatus of claim 375, wherein the transaction is an Internet transaction.
  - 384. The apparatus of claim 375, wherein the transaction is an on-line transaction.
  - 385. The apparatus of claim 375, wherein the transaction is at least one of a point-of-sale transaction, a telephone order, and a mail order.
  - 386. The apparatus of claim 375, wherein the signal contains information regarding a card utilized in the transaction and an amount of the transaction.
  - 387. The apparatus of claim 375, wherein the apparatus transmits the signal to a plurality of communication devices associated with the individual holder at least one of simultaneously and sequentially.
  - 388. The apparatus of claim 375, wherein information contained in the signal is transmitted to the communication device in at least one of a telephone call, a voice message, a voice mail message, a beeper message, a pager message, a facsimile message, and an answering machine message.
  - 389. The apparatus of claim 375, wherein the apparatus transmits an electronic mail message to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, wherein the electronic mail message contains information regarding the transaction.
  - 390. The apparatus of claim 375, wherein the apparatus transmits the signal to at least one of the communication device, a computer, a radio, a car radio, and a television, and further wherein a normal operation of the at least one of the communication device, a computer, a radio, a car radio, and a television, is interrupted to convey the information to the individual account holder.
  - 391. The apparatus of claim 375, wherein the signal contains information regarding at least one of information identifying the transaction, an amount of the transaction, a time of the transaction, a location of the transaction, a name of a store or a service provider involved in the transaction, and a good or a service involved in the transaction.
  - 392. The apparatus of claim 375, wherein the signal contains information regarding at least one of an account number or description, a description of a person seeking to make the transaction, and a type of transaction.
  - 393. The apparatus of claim 375, wherein the apparatus at least one of suspends a use of an account or the account involved in the transaction, suspends a use of a card associated with an account or the account involved in the transaction, and automatically de-activates an account or the account involved in the transaction.
  - 394. The apparatus of claim 375, wherein the communication device is at least one of a personal computer and a home computer.
  - 395. The apparatus of claim 375, wherein the communication device is a wireless device.
  - 396. The apparatus of claim 375, wherein the communication device is an interactive television.
  - 397. The apparatus of claim 375, wherein the communication device is at least one of a cellular telephone and a personal digital assistant.
  - 398. The apparatus of claim 375, wherein the processing device determines whether the transaction is at least one of authorized, approved, not approved, and not authorized, and further wherein the apparatus at least one of authorizes, allows, and disallows, the transaction.
  - 399. The apparatus of claim 375, comprising:
    - a memory device, wherein the memory device stores a limitation or restriction on a use of an account or on a use of the account, wherein the limitation or restriction is transmitted from the communication device or from a second communication device associated with the individual account holder, and further wherein the limitation or restriction is transmitted to a receiver on or over at least one of the Internet and the World Wide Web, 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, wherein the processing device processes the information regarding a transaction using the limitation or restriction automatically stored in the memory device.
  - 400. The apparatus of claim 399, wherein the limitation or restriction involves at least one of a type of a transaction, a good or a service which may be purchased, a store or a service provider which may be authorized to accept a card associated with an account or with the account, a limit on a dollar amount of a transaction pertaining to each authorized at least one of vendor, seller, and service provider, a daily spending limit, at least one of a vendor, a seller, and a service provider, with which a card associated with an account or the account may be utilized, a geographical area or location within which a card associated with an account or the account may be utilized, an authorized time of an account usage or an authorized time of usage of the account, and a limitation or restriction regarding at least one of an amount of a transaction, a party involved, a geographical area, and a time of an allowed usage.
  - 401. The apparatus of claim 375, wherein the processing device counts a number of unauthorized transactions, and further wherein the processing device at least one of cancels a transaction and de-activates an account or the account involved in the transaction when a pre-determined unauthorized transaction count is reached.
  - 402. The apparatus of claim 375, wherein the processing device processes a second signal and determines whether the transaction is at least one of authorized, allowed, and disallowed, and further wherein the apparatus at least one of authorizes, allows, and disallows, the transaction.
  - 403. The apparatus of claim 375, wherein the apparatus comprises a plurality of computers or computer systems.
  - 404. The apparatus of claim 375, wherein the apparatus transmits a periodic transaction record to the communication device or to a second communication device associated with the individual account holder, wherein the periodic transaction record shows or provides information regarding a transaction or transactions on an account or on the account for a time period, wherein the periodic transaction record is transmitted to the communication device or to the second communication device at least one of automatically and in response to a request for the periodic transaction record.
  - 405. The apparatus of claim 404, wherein the apparatus is programmed to automatically provide or transmit the periodic transaction record.
  - 406. The apparatus of claim 404, wherein the periodic transaction record is automatically provided or transmitted to the communication device or to the second communication device at least one of weekly, bi-weekly, monthly, yearly, and for any time period or interval.
  - 407. The apparatus of claim 375, wherein the apparatus transmits a periodic transaction record in an electronic mail message, wherein the periodic transaction record shows or provides information regarding a transaction or transactions on an account or on the account for a time period, wherein the periodic transaction record is transmitted to at least one of a network computer, the communication device, and a second communication device associated with the individual account holder, at least one of automatically and in response to a request for the periodic transaction record.
  - 408. The apparatus of claim 375, wherein the apparatus comprises a plurality of computers or computer systems, and further wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 409. The apparatus of claim 375, further comprising:
    - a receiver, wherein the receiver receives a second signal from the communication device or from a second communication device associated with the individual account holder, wherein the second signal contains information for authorizing or disallowing the transaction, wherein the processing device processes the second signal and determines whether the transaction is authorized or disallowed, and further wherein the apparatus at least one of authorizes the transaction, disallows the transaction, and cancels the transaction.
  - 410. The apparatus of claim 375, wherein the apparatus is programmed for at least one of automatic activation, self-activation, automatic operation, and self-operation.
  - 411. The apparatus of claim 375, wherein the apparatus is a central processing computer.
  - 412. The apparatus of claim 375, wherein the apparatus is at least one of a point-of-sale authorization device, a point-of-sale authorization terminal, a transaction authorization device, a credit card authorization device, a charge card authorization device, and a debit card authorization device, and further wherein the signal is transmitted to the communication device independently of a processing of the transaction by a central processing computer.
  - 413. The apparatus of claim 375, wherein the apparatus is at least one of a point-of-sale authorization device, a point-of-sale authorization terminal, a transaction authorization device, a credit card authorization device, a charge card authorization device, and a debit card authorization device, and further wherein the signal is transmitted to the communication device in real-time, and further wherein the signal is transmitted to the communication device independently of a processing of the transaction by a central processing computer.

414. A transaction security apparatus, comprising:
- a processing device, wherein the processing device processes information regarding a banking transaction, wherein the banking transaction involves at least one of a checking account, a savings account, and an automated teller machine account, wherein the information is input via an input device or automatically received by a receiver, wherein the processing device is capable of allowing or disallowing the banking transaction, and further wherein the processing device generates a signal containing information regarding the banking transaction; and
  
  a transmitter, wherein the transmitter transmits the signal to a network computer, wherein the signal is transmitted to the network computer in real-time, and further wherein the information regarding the banking transaction is transmitted to a communication device associated with an individual account holder, wherein the 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, and further wherein the information regarding the banking transaction is transmitted to the communication device on or over at least one of the Internet and the World Wide Web.
- View Dependent Claims (415, 416, 417, 418, 419, 420, 421, 422, 423, 424)
- - 415. The apparatus of claim 414, further comprising:
    - a receiver, wherein the receiver receives a second signal, wherein the second signal is transmitted from the communication device, wherein the processing device processes the second signal and determines whether the banking transaction is allowed or disallowed, and further wherein the processing device generates a third signal containing information for at least one of allowing the banking transaction, disallowing the banking transaction, and canceling the banking transaction.
  - 416. The apparatus of claim 414, wherein the communication device is a wireless device.
  - 417. The apparatus of claim 414, wherein the communication device is at least one of a personal computer and a home computer.
  - 418. The apparatus of claim 414, wherein the banking transaction is a check clearing transaction.
  - 419. The apparatus of claim 414, wherein the banking transaction is at least one of a checking account transaction, a check cashing transaction, an account settling transaction, an account charging transaction, and a charge-back transaction.
  - 420. The apparatus of claim 414, wherein the banking transaction is a savings account transaction.
  - 421. The apparatus of claim 414, wherein the banking transaction is an automated teller machine transaction.
  - 422. The apparatus of claim 414, wherein the processing device determines whether a hold is placed on the at least one of a checking account, a savings account, and an automated teller machine account, for prohibiting a withdrawal from the at least one of a checking account, a savings account, and an automated teller machine account, and further wherein the processing device disallows the withdrawal from the at least one of a checking account, a savings account, and an automated teller machine account.
  - 423. The apparatus of claim 414, wherein the signal is transmitted to the network computer on or over at least one of the Internet and the World Wide Web.
  - 424. The apparatus of claim 414, wherein the apparatus is programmed for automatic operation.

Specification

Resources

Litigation Campaign Assessment

Litigation Data

Current Assignee
Joao Bock Transaction Systems, LLC (Raymond Anthony Joao)
Original Assignee
Raymond Anthony Joao, Robert Richard Bock
Inventors
Joao, Raymond Anthony, Bock, Robert Richard
Primary Examiner(s)
FERGUSON, KEITH

Application Number

US09/949,694
Publication Number

US 20020025797A1
Time in Patent Office

1,807 Days
Field of Search

455406-408, 455/410, 455/411, 455/126.1, 455/126.2, 455/412.1, 455/412.2, 455/445, 455/500, 455/517, 455/414.1, 455/414.3, 455/422.1, 455/550.1, 455/556.1, 455/557, 455/458, 455/558, 379/112.01, 379/114.05, 379/114.03, 379/114.19, 379/91.01, 379/91.02, 379/93.12, 379/114.28, 379/115.01, 379/121.01, 379/127.09, 379/127.06, 379/128, 379/130, 379/134, 379/154, 379/155, 340/5.4, 340/5.41, 340/5.51, 340/7.1, 340/7.21, 340/539, 705/26, 705/35, 705/42, 705/43, 705/44, 705/75, 380/225, 380/270
US Class Current

455/406
CPC Class Codes

G06Q 20/04   Payment circuits

G06Q 20/10   specially adapted for elect...

G06Q 20/108   Remote banking, e.g. home b...

G06Q 20/1085   involving automatic teller ...

G06Q 20/20   Point-of-sale [POS] network...

G06Q 20/32   using wireless devices

G06Q 20/3227   using secure elements embed...

G06Q 20/325   using wireless networks

G06Q 20/40   Authorisation, e.g. identif...

G06Q 20/403   Solvency checks

G06Q 20/425   using two different network...

G06Q 30/06   Buying, selling or leasing ...

G06Q 40/00   Finance; Insurance; Tax str...

G06Q 40/02   Banking, e.g. interest calc...

Transaction security apparatus

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Transaction security apparatus

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Abstract

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