Transaction security apparatus and method

• US 9,235,841 B2
• Filed: 02/04/2010
• Issued: 01/12/2016
• Est. Priority Date: 07/22/2005
• Status: Active Grant

• Current Assignee: GTJ Ventures, LLC (Raymond Anthony Joao)
• Original Assignee: GTJ Ventures, LLC (Raymond Anthony Joao)
• Inventors: Joao, Raymond Anthony
• Primary Examiner(s): Le, Thien M
• Assistant Examiner(s): TAYLOR, APRIL ALICIA
• Application Number:
  US12/658,180
• Publication Number:
  US 20100145737A1
• Time in Patent Office: 2,168 Days
• Field of Search: 235379-381, 705/26.1, 705/26.35, 705/26.82, 705/26, 705/35, 705/39, 705/44, 705/64, 705/67, 705/75
• US Class Current: 1/1
• CPC Class Codes: G06Q 20/10 specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
• CPC Class Codes: G06Q 20/3276 using a pictured code, e.g. barcode or QR-code, being read by the M-device
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/425 using two different networks, one for transaction and one for security confirmation
• CPC Class Codes: G06Q 40/08 Insurance
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]

Abstract

An apparatus, including an input device or receiver for inputting or receiving transaction information regarding a transaction on or involving an account and involving an individual, a camera for obtaining a photograph or a picture of the individual, a processing device for processing information regarding the transaction and or generating a notification message containing information regarding the transaction, and a transmitter for transmitting the notification message to a communication device associated with an individual account holder. The notification message is transmitted to the communication device independently of any processing of the transaction by a transaction authorization processing computer. The apparatus transmits the photograph or the picture to the communication device independently of any processing of the transaction by a transaction authorization processing computer.

Claims

1. An apparatus, comprising:

an input device or a receiver, wherein the input device inputs or the receiver receives transaction information regarding a transaction on or involving an account and involving an individual;

a camera for obtaining a photograph or a picture of the individual;

a processing device, wherein the processing device processes information regarding the transaction and generates a notification message, wherein the notification message contains information regarding the transaction; and

a transmitter, wherein the transmitter transmits the notification message to a communication device associated with an individual account holder, wherein the notification message is transmitted to the communication device independently of any processing of the transaction by a transaction authorization processing computer,

wherein the apparatus transmits the photograph or the picture to the communication device, wherein the photograph or the picture is transmitted to the communication device independently of any processing of the transaction by the transaction authorization processing computer.

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

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

20. The apparatus of claim 1, wherein the photograph or the picture is transmitted along with the notification message.

21. An apparatus, comprising:

an input device or a receiver, wherein the input device inputs or the receiver receives information regarding a transaction on or involving an account and involving an individual;

a video recording device, wherein the video recording device records a video clip of the individual during at least a portion of the transaction;

a processing device, wherein the processing device processes information regarding the transaction and generates a notification message, wherein the notification message contains information regarding the transaction; and

a transmitter, wherein the transmitter transmits the notification message to a communication device associated with an individual account holder, wherein the notification message is transmitted to the communication device independently of any processing of the transaction by a transaction authorization processing computer,

wherein the apparatus transmits the video clip to the communication device, wherein the video clip is transmitted to the communication device independently of any processing of the transaction by the transaction authorization processing computer.

22. The apparatus of claim 21, wherein the video clip is transmitted along with the notification message.

23. A transaction security apparatus, comprising:

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

a camera or a video recording device for obtaining or recording a photograph, a picture, or a video clip, of the individual involved in the transaction;

a processing device for processing the information regarding the transaction, wherein the processing device is adapted for generating a notification message containing information regarding the transaction; and

a transmitter for transmitting the notification message to a communication device associated with an account holder independently of any processing of the transaction by a transaction authorization processing computer,

wherein the apparatus is specially configured to transmit the photograph, the picture, or the video clip, to the communication device associated with the account holder independently of any processing of the transaction by the transaction authorization processing computer, and further wherein the apparatus is specially configured to transmit the photograph or the video clip along with the notification message.

24. The apparatus of claim 23, further comprising:

a microphone or an audio recording device for obtaining audio information or a voice recording of the individual involved in the transaction.