Transaction security apparatus and method

Patent metadata

Field	Value
Publication number	US-9245270-B2
Application number	US-48243006-A
Country	US
Kind code	B2
Filing date	Jul 7, 2006
Priority date	Jul 22, 2005
Publication date	Jan 26, 2016
Grant date	Jan 26, 2016

Abstract

An apparatus including an input device for inputting transaction information regarding a transaction on an account involving an individual, a camera for obtaining a photograph of the individual which photograph is stored as a digital photograph file, a processing device which processes information regarding the transaction and generates a message containing information regarding the transaction and the digital photograph file, and a transmitter which transmits the message to a communication device associated with an individual account holder. The message is transmitted to the communication device via, on, or over, a communication network and the message is transmitted to the communication device independently of any processing of the transaction by a central transaction authorization processing computer.

First claim

What is claimed is:

1. An apparatus, comprising:
an input device, wherein the input device inputs transaction information regarding a transaction on an account 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, and further 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 apparatus generates a transaction message containing information regarding the transaction, and further wherein the apparatus transmits the transaction message or the transaction message and the photograph or the picture to the transaction authorization processing computer.

3. The apparatus of claim 2 , wherein the transaction authorization processing computer is a central transaction authorization processing computer.

4. The apparatus of claim 2 , wherein the apparatus receives a transaction response message, wherein the transaction response message is transmitted from the transaction authorization processing computer, and further wherein the transaction response message contains information for authorizing, allowing, or disallowing, the transaction.

5. The apparatus of claim 2 , further comprising:
a receiver; and
a display device;
wherein the receiver receives a transaction response message, wherein the transaction response message is transmitted from the transaction authorization processing computer, wherein the transaction response message contains a file photograph of the individual account holder, and further wherein the display device displays the file photograph.

6. The apparatus of claim 1 , further comprising:
a receiver, wherein the receiver receives a transaction response message transmitted from the communication device, wherein the transaction response message contains information for authorizing, allowing, or disallowing, the transaction.

7. The apparatus of claim 1 , further comprising:
a microphone for obtaining a voice sample from the individual, wherein the apparatus processes information contained in the voice sample and generates a voice sample message containing information regarding a voice print corresponding to the voice sample, and further wherein the apparatus transmits the voice sample message to the transaction authorization processing computer.

8. The apparatus of claim 7 , wherein the transaction authorization processing computer compares the voice print with a file voice print associated with the individual account holder, and further wherein the transaction authorization processing computer generates a voice sample response message containing information regarding whether or not the voice print matches the file voice print of the individual account holder, and further wherein the voice sample response message is transmitted to the apparatus.

9. The apparatus of claim 1 , wherein the transaction is a credit card transaction.

10. The apparatus of claim 1 , wherein the transaction is a charge card transaction.

11. The apparatus of claim 1 , wherein the transaction is a debit card transaction.

12. The apparatus of claim 1 , wherein the transaction is a “smart” card transaction or a currency card transaction.

13. The apparatus of claim 1 , wherein the transaction is a checking account transaction, a savings account transaction, or an automated teller machine transaction.

14. The apparatus of claim 1 , further comprising:
a receiver, wherein the receiver receives the transaction information and the photograph or the picture.

15. The apparatus of claim 1 , wherein the transaction is a transaction on or involving a cellular telephone account.

16. The apparatus of claim 1 , wherein the transaction is a transaction on or involving a wireless telephone account.

17. The apparatus of claim 1 , wherein the transaction is a transaction involving a cellular telephone or a wireless telephone.

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

19. The apparatus of claim 1 , wherein the communication device is a personal computer.

20. The apparatus of claim 1 , wherein the communication device is a television or an interactive television.

21. The apparatus of claim 1 , wherein the notification message or the photograph or the picture is transmitted to the communication device after the transaction begins, before the transaction is completed, or after the transaction begins and before the transaction is completed.

22. The apparatus of claim 1 , wherein the notification message or the photograph or the picture is transmitted to the communication device via, on, or over, the Internet or the World Wide Web.

23. The apparatus of claim 1 , wherein the transaction authorization processing computer generates a second transaction message containing information regarding the transaction and the photograph or the picture, and further wherein the transaction authorization processing computer transmits the second transaction message to the communication device.

24. The apparatus of claim 1 , wherein the apparatus generates a periodic transaction record, wherein the periodic transaction record contains information regarding the transaction or a plurality of transactions occurring on or involving the account for or during a time period, and further wherein the apparatus transmits the periodic transaction record to the communication device or to a second communication device associated with the individual account holder.

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

26. An apparatus, comprising:
a camera for obtaining a photograph or a picture of an individual involved in a transaction on an account;
an input device for inputting transaction information regarding the transaction or a receiver for receiving transaction information regarding the transaction;
a processing device, wherein the processing device processes information regarding the transaction information and generates a message, wherein the message contains information regarding the transaction; and
a transmitter, wherein the transmitter transmits the message to a communication device associated with an individual account holder, and further wherein the 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 compute

Assignees

• Joao Raymond Anthony
• Gtj Ventures Llc

Inventors

• Joao Raymond Anthony

Classifications

• G06Q20/40

  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 title

• G06Q20/3276

  using a pictured code, e.g. barcode or QR-code, being read by the M-device · CPC title

• G06Q20/32

  using wireless devices · CPC title

• G07F19/20

  Automatic teller machines [ATMs] · CPC title

• G06Q20/425 Primary

  using two different networks, one for transaction and one for security confirmation · CPC title