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US 2004/0177046 A1Published application
Credit card protection system
OwnerMark Ellery Ograminventor
Life of this patent
Estimating the term…
Abstract
A security system which notifies a card-holder when a charge is made on the card-holder's account. The merchant computer communicates the account number and amount to the processing computer. Using this information, the processing computer identifies the card-holder and sends a message that the card is being used. Ideally this message is an e-mail message sent to the card-holder's cellular phone. In the preferred embodiment, the card-holder is able to respond to the proposed charge by sending a “block” to the processing computer.
Claims19
An account security system comprising:
- a) a merchant computer having means for communicating account indicia and an amount to a remote computer;
- b) a user interface, remote from said merchant computer, having means for,
- 1) receiving information from a remote source, and,
- 2) communicating said information to a user;
- and,
- c) a processing computer having means for,
- 1) receiving account indicia and amount from said merchant computer, and
- 2) in response to said account indicia, communicating selected information to said user interface.
5 more elements
A payment system comprising:
- a) a first computer having means for communicating account indicia and an amount to a remote computer;
- b) a cellular telephone having a user interface;
- and,
- c) a second computer having,
- 1) means for receiving account indicia and amount from the first computer,
- 2) communicating selected information to said cellular telephone, and,
- 3) means for communicating an authorization to the first computer.
4 more elements
A security system comprising:
- a) a merchant computer having means for communicating account indicia and amount;
- b) a user interface remote from said merchant computer;
- and,
- c) a processing computer having means for,
- 1) receiving account indicia and amount from said merchant computer, and
- 2) in response to said account indicia, communicating selected information to said user interface for communication to a user of said user interface.
3 more elements
Dependencies are inferred from the claim text.