Transaction security apparatus and method

Patent metadata

Field	Value
Publication number	US-9911124-B2
Application number	US-92505710-A
Country	US
Kind code	B2
Filing date	Oct 13, 2010
Priority date	Jul 22, 2005
Publication date	Mar 6, 2018
Grant date	Mar 6, 2018

Abstract

A transaction security apparatus, including an input device or receiver for inputting or receiving transaction information regarding a transaction on or involving an account, a camera or video recording device for obtaining or recording a photograph or video clip of an individual involved in the transaction, a processing device for processing the information regarding the transaction and 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. The apparatus transmits the photograph or the video clip to the communication device independently of any processing of the transaction by a transaction authorization processing computer.

First claim

What is claimed is:

1. A transaction security 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;
a camera or a video recording device, wherein the camera or the video recording device obtains or records a photograph or a video clip of an individual involved in the transaction;
a processing device, wherein the processing device processes the 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 account holder, and further wherein the notification message is transmitted to the communication device independently of any processing of the transaction by the transaction authorization processing computer,
wherein the photograph or the video clip 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 notification message also contains an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in or involving the transaction on or involving the account.

3. The apparatus of claim 2 , wherein the transaction information regarding the transaction includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

4. The apparatus of claim 2 , wherein the account is a credit account or a credit card account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction.

5. The apparatus of claim 2 , wherein the account is a debit account or a debit card account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction.

6. The apparatus of claim 2 , wherein the account is a charge account or a charge card account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction.

7. The apparatus of claim 2 , wherein the account is a healthcare account, an account associated with a healthcare insurance policy, plan, or program, a Medicare account, a Medicaid account, a pharmacy account, a life insurance account, or a disability insurance account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

8. The apparatus of claim 2 , wherein the account is a bank account, a checking account, a savings account, or a brokerage account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

9. The apparatus of claim 2 , wherein the account is a smart card account, a currency card account, an electronic money account, or an electronic cash account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

10. The apparatus of claim 2 , wherein the account is an account associated with an employee benefits plan, a cafeteria plan, a spending plan, or a tuition or tuition reimbursement plan or program, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

11. The apparatus of claim 2 , wherein the account is a subscription account for any good, product, or service, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

12. The apparatus of claim 2 , 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, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.

13. The apparatus of claim 2 , wherein the account is an Internet account, an Internet service provider account, or an e-mail account, and further wherein the notification message also includes an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a benefit request form, a claim form, a draft, a bank draft, a deposit form, a withdrawal form, a check, a receipt, or a request form, offered, pres

Assignees

• Joao Raymond Anthony
• Gtj Ventures Llc

Inventors

• Joao Raymond Anthony

Classifications

• G06Q20/389

  Keeping log of transactions for guaranteeing non-repudiation of a transaction · CPC title

• G06Q20/3276

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

• 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

• G06Q20/425 Primary

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

• G06Q40/08

  Insurance · CPC title