APPARATUS AND METHOD FOR PROVIDING TRANSACTION SECURITY AND/OR ACCOUNT SECURITY

摘要

A transaction security apparatus, including a memory device for storing information regarding a first account of an account holder capable of being used in performing a transaction with a counterparty, an input or data entry device, or receiver, for inputting, entering, or receiving, data or information regarding the counterparty, an amount of the transaction, and for identifying or facilitating communication with, a counterparty communication device, wherein the information regarding the counterparty includes information regarding an account of the counterparty, a processing device for processing information regarding the transaction, wherein the processing device generates a first message containing information for requesting an authorization for the transaction, a transmitter, which transmits the first message to a transaction authorization processing computer, and a receiver which receives a second message transmitted from the transaction authorization processing computer. The second message contains information regarding whether the transaction is authorized or not authorized.

主权项

1. A transaction security apparatus, comprising:
a memory device for storing information regarding a first account of or associated with an account holder, wherein the first account is capable of being used in performing or engaging in a transaction with a counterparty; an input device, a data entry device, or a receiver, for inputting, for entering, or for receiving, data or information regarding the counterparty and information regarding an amount of the transaction, wherein the data or information regarding the counterparty includes information regarding a second account of or associated with the counterparty and information for identifying a counterparty communication device of or associated with the counterparty or information for facilitating communication with a counterparty communication device of or associated with the counterparty; a processing device for processing information regarding the transaction, wherein the processing device processes the information regarding the transaction using information regarding the first account, information regarding the second account, and the information regarding the amount of the transaction, and further wherein the processing device generates a first message, wherein the first message contains information for requesting an authorization for the transaction; a transmitter, wherein the transmitter transmits the message to a transaction authorization processing computer; and a receiver, wherein the receiver receives a second message transmitted from the transaction authorization processing computer, wherein the second message contains information regarding whether the transaction is authorized or not authorized.