Customer-controlled instant-response anti-fraud/anti-identity theft devices (with true-personal identity verification), methods and systems for secured global applications in personal/business e-banking, e-commerce, e-medical/health insurance checker, e-education/research/invention, e-disaster advisor, e-immigration, e-airport/aircraft security, e-military/e-law enforcement, with or without nfc component and system, with cellular/satellite phone/internet/multi-media functions

摘要

All-in-one wireless mobile telecommunication devices, methods and systems providing greater customer-control, instant-response anti-fraud/anti-identity theft protections with instant alarm, messaging and secured true-personal identity verifications for numerous registered customers/users, with biometrics and PIN security, operating with manual, touch-screen and/or voice-controlled commands, achieving secured rapid personal/business e-banking, e-commerce, accurate transactional monetary control and management, having interactive audio-visual alarm/reminder preventing fraudulent usage of legitimate physical and/or virtual credit/debit cards, with cheques anti-forgery means, curtailing medical/health/insurance frauds/identity thefts, having integrated cellular and/or satellite telephonic/internet and multi-media means, equipped with language translations, GPS navigation with transactions tagging, currency converters, with or without NFC components, minimizing potential airport risks/mishaps, providing instant aid against school bullying, kidnapping, car-napping and other crimes, applicable for secured military/immigration/law enforcements, providing guided warning/rescue during emergencies and disasters.

主权项

1. A customer-controlled fraud prevention device comprising:
an integrated interactive accurate and secured means enabling said device and a customer-owner of said device and at least one respective specific financial transaction instrument linked with said device to be securely and properly linked and registered to at least one respective specific financial entity, wherein said device having at least one said respective specific financial transaction instrument linked with said device and said customer-owner and said at least one said respective specific financial entity, altogether being programmed to be communicatively coupled, enabling said customer-owner of said device to perform one or more respective specific financial transaction(s) using said at least one respective specific financial transaction instrument with said at least one respective specific financial entity, wherein the capabilities of said device comprise transmitting, receiving, storing, retrieving relevant respective personal and financial identification and transaction details of said customer-owner of said device along with relevant financial identification and transaction details of said at least one respective specific financial transaction instrument of said customer-owner of said device linked to said at least one respective specific financial entity, said device capable of instantly receiving, sounding and displaying real time alarm(s) and message(s) sent from said at least one respective specific financial entity specifically pertaining to any and/or all relevant financial transaction(s) linked to said customer-owner of said device and linked with said device and said at least one respective specific financial transaction instrument, and wherein said device also capable of transmitting response by said customer-owner of said device through said device to said at least one respective specific financial entity based on secured relationship between said customer-owner of said device and said device and said at least one respective specific financial entity and said at least one respective specific financial transaction instrument as linked with, into, from and through said device and said at least one respective specific financial entity; an integrated input/output means in said device that allows said customer-owner of said device to first indicate and send to said at least one respective specific financial entity at least one pre-authorized exact amount of money to be deducted from said at least one respective specific financial transaction instrument linked with said and at least one respective specific financial entity in order for a designated specific third-party or parties to be allowed to properly collect same said pre-authorized exact amount of money from said at least one respective specific financial entity, and wherein upon receiving a specific transaction request from said designated specific third-party or parties, said at least one respective specific financial entity validates, matches and pays said at least one respective specific transaction request to said designated specific party or parties based on said at least one respective specific pre-authorized exact amount of money first allowed and sent by said customer-owner of said device, excepting however, in case(s) of erroneous and fraudulent events, said at least one respective specific financial entity is enabled to instantly halt and prevent payment(s) of any and/or all unmatched amount(s) of money to any and/or all unauthorized claiming third party or parties and/or fraudulent machine(s) and/or software(s), said at least one respective specific financial entity instantly reports and transmits to said device any and/or all halted unmatched amount of money or monies attempted by any and/or all unauthorized party and/or parties and/or fraudulent machine(s) and/or software(s).