Apparatus and method for providing transaction security and/or account security

A computer-implemented transaction security method, comprising:

• receiving, with a receiver, a first message containing information regarding a transaction, wherein the transaction involves an account of or associated with an account holder and information regarding a counterparty involved in the transaction, wherein the first message contains information regarding the first account, the counterparty, and a transaction amount of the transaction, and further wherein the first message is transmitted from a first communication device to the receiver on, over, or via, a communication network, and further wherein the first communication device is associated with the account holder;
• processing, with or using a processing device or a computer, the information contained in the first message;
• determining, with or using the processing device or the computer, whether the transaction is authorized or allowed or not authorized or not allowed;
• generating, with or using the processing device or the computer, a second message containing information regarding whether the transaction is authorized or allowed or not authorized or not allowed, wherein the second message does not contain information regarding the first account;
• and
• transmitting, with or from a transmitter or the computer, the second message to a second communication device, wherein the second communication device is associated with the counterparty.