# US 10,504,123 B2 · Transaction security apparatus and method

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- Number: US 10,504,123 B2
- Document ID: US10504123B2
- Status: Granted
- Kind: B2
- Application number: 16/166,763
- Filed: 2018-10-22
- Published: 2019-02-21
- Granted: 2019-12-10
- Earliest claimed: 2005-07-22
- Assignees: Gtj Ventures, LLC
- Applicants: Raymond Anthony Joao
- Inventors: Raymond Anthony Joao
- Web page: https://patentgrep.com/patent/US10504123B2

## CPC

- G06Q 20/425: {using two different networks, one for transaction and one for security confirmation}
- G06Q 20/10: specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q 20/3276: {using a pictured code, e.g. barcode or QR-code, being read by the M-device}
- G06Q 20/389: {Keeping log of transactions for guaranteeing non-repudiation of a transaction}
- 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
- G06Q 40/08: Insurance
- G07F 19/20: {Automatic teller machines [ATMs]}
- G06Q: INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G07F: COIN-FREED OR LIKE APPARATUS (coin sorting G07D3/00; coin testing G07D5/00; {handling coins or paper currencies apart from payment activated apparatus G07D; payment architectures, schemes or protocols G06Q20/00})

## Abstract

A computer-implemented method, included inputting, entering, or receiving, with or using an input device or a receiver, information regarding an account and transaction information regarding a transaction on or involving the account; obtaining or recording, with or using a camera or a video recording device, a photograph or a video clip of an individual involved in the transaction; processing, with or using a processor, the transaction information; storing, in a database of a computer, information regarding the transaction and the photograph or the video clip of the individual involved in the transaction, and transmitting the information regarding the transaction and the photograph or the video clip of the individual involved in the transaction to a communication device independently of any processing of the transaction by a transaction authorization processing computer.

## Claims

### Claim 1

An apparatus, comprising:
a banking transaction terminal, further comprising:
an input device, wherein the input device inputs information regarding an account and transaction information regarding a transaction on or involving the 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 processor, wherein the processor processes the transaction information; and
a computer, further comprising:
a database, wherein the database stores information regarding the transaction and the photograph or the video clip of the individual involved in the transaction,
wherein the information regarding the transaction and the photograph or the video clip of the individual involved in the transaction is transmitted to a communication device independently of any processing of the transaction by a transaction authorization processing computer.

### Claim 2 (depends on 1)

The apparatus of claim 1, wherein the banking transaction terminal is an automated teller machine (ATM) terminal, and further wherein the transaction is an automated teller machine (ATM) transaction.

### Claim 3 (depends on 1)

The apparatus of claim 1, wherein the information regarding the transaction and the photograph or the video clip of the individual involved in the transaction is transmitted to the communication device as or in a notification message.

### Claim 4 (depends on 1)

The apparatus of claim 1, further comprising:
a card reader, wherein the card reader obtains information regarding the account.

### Claim 5 (depends on 1)

The apparatus of claim 1, further comprising:
a scanner, wherein the scanner obtains a copy of a document, an authorization form, an authorization request 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.

### Claim 6 (depends on 1)

The apparatus of claim 1, further comprising:
a microphone or an audio recording device, wherein the microphone or the audio recording device obtains or records an audio clip of the individual involved in the transaction.

### Claim 7 (depends on 6)

The apparatus of claim 6, wherein the audio clip of the individual involved in the transaction is transmitted to the communication device.

### Claim 8 (depends on 1)

The apparatus of claim 1, wherein the apparatus stores information regarding an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request 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.

### Claim 9 (depends on 1)

The apparatus of claim 1, wherein an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request 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 is transmitted to the communication device.

### Claim 10 (depends on 1)

The apparatus of claim 1, wherein the banking transaction terminal transmits the information regarding the transaction and the photograph or the video clip of the individual involved in the transaction to the communication device.

### Claim 11 (depends on 1)

The apparatus of claim 1, wherein the computer transmits the information regarding the transaction and the photograph or the video clip of the individual involved in the transaction to the communication device.

### Claim 12 (depends on 1)

The apparatus of claim 1, wherein the apparatus transmits an authorization request regarding the transaction to the transaction authorization processing computer.

### Claim 13 (depends on 1)

The apparatus of claim 1, wherein the banking transaction terminal transmits the transaction information and the photograph or the video clip of the individual involved in the transaction to the transaction authorization processing computer.

### Claim 14 (depends on 1)

The apparatus of claim 1, 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.

### Claim 15 (depends on 1)

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

### Claim 16

A computer-implemented method, comprising:
inputting or entering, with or using an input device of a banking transaction terminal, information regarding an account and transaction information regarding a transaction on or involving the account;
obtaining or recording, with or using a camera or a video recording device, a photograph or a video clip of an individual involved in the transaction;
processing, with or using a processor, the transaction information;
storing, in a database of a computer, information regarding the transaction and the photograph or the video clip of the individual involved in the transaction; and
transmitting the information regarding the transaction and the photograph or the video clip of the individual involved in the transaction to a communication device independently of any processing of the transaction by a transaction authorization processing computer.

### Claim 17 (depends on 16)

The computer-implemented method of claim 16, wherein the banking transaction terminal is an automated teller machine (ATM) terminal, and further wherein the transaction is an automated teller machine (ATM) transaction.

### Claim 18 (depends on 16)

The computer-implemented method of claim 16, further comprising:
obtaining or recording, with or using a microphone or an audio recording device, an audio clip of the individual involved in the transaction.

### Claim 19 (depends on 16)

The computer-implemented method of claim 16, further comprising:
obtaining or recording information regarding an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request 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.

### Claim 20 (depends on 16)

The computer-implemented method of claim 16, further comprising:
transmitting an audio recording of the individual involved in the transaction, or transmitting information regarding an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request 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, to the communication device or to a second communication device.

### Claim 21

A computer-implemented method, comprising:
inputting, entering, or receiving, with or using an input device or a receiver, information regarding an account and transaction information regarding a transaction on or involving the account;
obtaining or recording, with or using a camera or a video recording device, a photograph or a video clip of an individual involved in the transaction;
processing, with or using a processor, the transaction information;
storing, in a database of a computer, information regarding the transaction and the photograph or the video clip of the individual involved in the transaction, and
transmitting the information regarding the transaction and the photograph or the video clip of the individual involved in the transaction to a communication device independently of any processing of the transaction by a transaction authorization processing computer.

### Claim 22 (depends on 21)

The computer-implemented method of claim 21, further comprising:
obtaining or recording, with or using a microphone or an audio recording device, an audio clip or an audio recording of the individual involved in the transaction, or obtaining or recording information regarding an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a draft, a bank draft, a deposit form, a withdrawl form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account; and
transmitting, to the communication device or a second communication device, the audio clip or the audio recording of the individual involved in the transaction, or the information regarding an image, a digital copy, a photograph, or a picture, of a document, an authorization form, an authorization request form, a draft, a bank draft, a deposit form, a withdrawl form, a check, a receipt, or a request form, offered, presented, submitted, processed, involved, or used, in the transaction on or involving the account.