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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
First Claim
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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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