Contingency network access for accounts or information
OwnerDavid Dortinventor
Life of this patent
Estimating the term…
Abstract
The invention teaches an improved security system for accounts or information accessed over a local or wide area network, where the account holder is provided with an alternate security code, usually related to a PIN. During an assault, kidnapping, intimidation or other adverse event, the alternate security or access code/identifier can be placed into the system without the detection of a third party, implementing a contingency scenario and an alternate transaction or access to take place. The contingency instruction protect the assets or information available over the network and executing instructions to protect the account holder by and/or deception of a third party observer.
Claims25
1-8. (canceled)
A method for protecting valuable assets or information accessible over a network by at least a security code and an identification codes, including the acts of:
- mapping said security and identification codes to at least one diversionary identification code;
- storing said mapping on an intercept system, said intercept system connected to said network and including data storage and a computer system;
- when said diversionary identification code is entered into an access device, said diversionary identification code instructs said access device to route the access transaction to said intercept system;
- when said access transaction is routed to said intercept system, said intercept system compares at least one diversionary identification code said mapping;
- wherein if said mapping indicates that said transaction proceed normally, said intercept system routes said access transaction such that said access transaction proceeds normally;
- wherein if said mapping indicates that said access transaction meets a contingency criteria, said access transaction will be processed by said intercept system according to a set of contingency instructions.
(canceled)
20-23. (canceled)
A process for protecting the characteristics of a transaction for access to assets or information corresponding to an account held by an account custodian, including a credit card account, including the steps of:
- mapping at least one identification code to at least one diversionary identification code;
- storing said mapping on an intercept system, said intercept system connected to said network and including data storage and a computer system;
- when said diversionary identification code is entered into an access device, said diversionary identification code instructs said access device to route the access transaction to said intercept system;
- when said access transaction is routed to said intercept system, said intercept system compares at least one diversionary identification code said mapping;
- wherein if said mapping indicates that said access transaction meets a masking criteria, said access transaction will be processed by said intercept system according to a set of masking instructions, wherein said masking instruction include contacting said account custodian via a network with masked transaction information.
32-33. (canceled)
A system for banking over a network which includes a automatic teller machines (ATMs) coupled with a network communication system that allow said ATMs to access at least one bank account, wherein said at least one account may be accessed by inserting an card carrying magnetically or digitally encoded information into one of said set of ATMs and providing a primary personal identification number (PIN) and a corresponding primary account number, wherein the improvement includes:
- mapping a contingency identifier and contingency PIN to placing a device coupled to said network which recognizes an alternate code PIN entered into one of said set of ATMs and intervenes to provide instructions on said network for providing a contingency transaction in which only partial access to said at least one bank account is possible when said alternate PIN is entered.
36-81. (canceled)
Dependencies are inferred from the claim text.