Customer-controlled instant-response anti-fraud/anti-identity theft devices (with true-personal identity verification), method and systems for secured global applications in personal/business e-banking, e-commerce, e-medical/health insurance checker, e-education/research/invention, e-disaster advisor, e-immigration, e-airport/aircraft security, e-military/e-law enforcement, with or without NFC component and system, with cellular/satellite phone/internet/multi-media functions

A method inclusive of sub-methods providing effective applicability for electronic multi-functional telecommunication devices to function as dedicated customer-controlled instant-response anti-fraud and anti-identity theft wireless mobile devices with true-personal identity verifications, and, providing effective coherent compatible coordination with any other relevant devices, methods and systems, allowing for the effective programming, receiving, pre-transmitting, transmitting and communicating of any and all legitimate secured data/information transactions, messages and interactive telephonic and internet activities and events of said electronic multi-functional telecommunication devices;

• said method inclusive of sub-methods also providing said electronic multi-functional communication devices to achieve effective and accurate instant-reception, instant-response and instant-transmission pertaining to any and all audio-visual alerts or alarms and messages relevant to any and all transactional errors, fraudulent claims and identity-theft activities, in order to halt, thwart, control, prevent and minimize the commitment of transactional errors or event error entries and erroneous operations, transactional fraud and event fraud and identity-theft activities attempted or made by any and all fraudulent persons, fraudulently programmed machines or fraudulent devices or malware programs, fraudulent groups or fraudulent organizations, aimed against any and all legitimate customers, consumers, businesses, merchants, banks and credit card companies, private and public insurance companies, government and private medical health care insurance agencies or institutions, and any other relevant legitimate organizations, agencies or departments, using said method inclusive of said specific sub-methods;
• said method inclusive of sub-methods implementable within local, state, national and worldwide scale with inter-linking coordinated tamper-proof secured operational apparatuses, relaying means and verifiable and authenticating and authorizing networks and securely protected databases;
• and, said method inclusive of sub-methods especially made effectively possible by providing a major shift of control to any and all relevant participating mass-people-power, internationally, through the expansive and secured coordinated instant-response and interactivity participations of each one of the millions of individual respective registered authorized users of each one of the respective said electronic multi-functional telecommunication devices, involving a plurality of any and all combinations of the following sub-methods, comprising of the following:
• (a) a sub-method for securely and accurately registering and electronically linking each one of the respective said electronic multi-functional telecommunication devices with each one of the respective registered authorized users of each one of the respective said devices in secured communications with any relevant respective organization or organizations, such as bank or banks, credit card company or companies, medical/health insurance company or companies, home and vehicle insurance companies, home mortgage companies, and any and all other relevant legitimate membership organization or organizations, such as health club or clubs, school or schools or agency or agencies, such as the Transportation Security Agency, and any other relevant travel agency or agencies, or department or departments, such as Department of Motor Vehicles, Immigration and Naturalization Services, Social Security Department, Department of Homeland Security, labor union or unions, and any police department or departments, and any other relevant communication organizations, such as phone company or companies and internet provider or providers, with which each respective authorized registered users of each respective registered said devices is dealing, and allowing secured access, transmission and storage of relevant data/information, using said sub-method, so as to ensure instant-secured two-way or multi-way communication or communications between each one of the respective authorized users of each one of the respective registered said devices, including any other party or multi-parties which each respective authorized registered users of each one of the respective registered said devices is dealing, and allowing secured access, transmission and storage of respective relevant secured data/information, and, in order to ensure definite verifiable tie-in and correct and accurate link between each one of the respective authorized registered user of each one of the respective registered said devices that is authenticated and authorized as the real respective authorized registered user of each one of the respective said devices, through the secured use of each one of the respective registered said devices, and through the use of other relevant secured means, methods and systems for the accurate secured registration of each one of the respective authorized registered user of each one of the respective registered said devices, and, also, said sub-method providing the correct and accurate assurance that each one of the respective authorized registered user of each one of the respective registered said devices is really the true and verifiable authorized and authenticated registered user of each one of the respective registered said devices, as can be instantly and securely and safely stored and retrievable and provable in the corresponding electronic verifiable and accurate tamper-proof secured corresponding relevant database or databases of each relevant respective organization or organizations or agency or agencies or department or departments and their respective secured networks and providers, with which each one of the respective authorized registered user of each one of the respective registered said devices is dealing and allowing secured access, transmission and storage of any and all relevant data/information, as well as verifying the accurate corresponding secured storage of any and all relevant secured data/information as concurrently stored also in the internal storage memory of each one of the respective registered said devices for further real-time transactional uses or event usage by either/or both any and all relevant respective organization or organizations or agency or agencies or department or departments, and any other party or multi-parties, such as merchants, with which each respective authorized registered said user of each one of the respective registered said devices is dealing and allowing secured access, transmission and storage of any and all relevant data/information during any and all transactional and communication events;
• (b) a sub-method for authorizing or pre-authorizing and validating and authenticating the respective kind and the respective monetary amount or amounts of specific transactional event or events or any and all other relevant activity event or events happening in real-time and date or happening in scheduled relevant times and dates, made or initiated and controlled by the respective registered authorized said user of each one of the respective registered said devices through the use of each one of the respective registered said devices, with any relevant organization or organizations or agency or agencies, or department or departments or any other party or parties, with which each one of the respective registered authorized said user of each one of the respective registered said devices is dealing, and allowing relevant secured data/information access, transmission and storage;
• (c) a sub-method for electronically authenticating to any and all relevant organization or organizations, agency or agencies, department or departments or any other party or parties, the verifiable true-personal identity of the respective authorized said user of each one of the respective registered said devices, through the use of each one of the respective registered said devices, by means of encrypted code or password and/or biometric identification means, such as the use of safely protected secured true-personal photo or photos or image or images, fingerprints or iris or voice biometrics of each one of the respective authorized registered said user of each one of the respective registered said devices as stored and retrievable and verifiable from the internal storage memory or memories of each one of the respective registered said devices, and also, as stored and retrievable from the accurate relevant secured databases of the relevant organization or organizations, agency or agencies or department or departments or any other party or parties with which each one of the respective authorized registered said user of each one of the respective registered said devices is dealing, and allowing relevant data/information access, transmission and storage, according to the desires and needs of each one of the respective authorized registered said user of each of the respective registered said devices, and as electronically communicated securely through relevant electronic communication secured networks, through secured wireless or wired or optical transmission means, methods and systems or the combination of relevant said secured transmission means, methods and systems;
• (d) a sub-method for accurately electronically concluding or completing any and all secured personal and business and professional transaction or transactions and other relevant event or events and content communication or communications, verification or verifications, reporting and approval or approvals and secured storage or storages of any and all legitimate monetary transaction or transactions or automatic and recordable rejection or rejections of any and all anomaly or anomalies or non-verifiable enquiry or enquiries and any and all suspicious fraudulent claim or claims and private identity intrusion or intrusions, through the use of each one of the respective registered said devices being used by each one of the respective authorized registered user of each one of the respective registered said devices, relevant methods, sub-methods and systems;
• (e) a sub-method for effectively and automatically using the built-in GPS component, and timer and clock and calendar means of the each one of the respective registered said devices operated or used by each the respective authorized registered user of each one of the respective registered said devices, to determine and record both the close proximity or proximities and times and dates and geographical locations of each one of the respective authorized registered user of each one of the respective registered said devices, with each one of the respective registered said devices, and, also to determine and record the close proximity or proximities and times and dates and geographical locations of both each one of the respective authorized registered user of each one of the registered said devices to each one of the respective registered said devices, in coordinating accordingly with the close proximity or proximities of any and all relevant respective registered GPS-responsive device or devices of any relevant second or multi-parties claimant or claimants, and, recordable in real-times and dates and geographical locations, if desired, and recorded to and retrievable from both the internal storage memory or memories of each one of the respective registered said devices of each one of the respective authorized registered user of each one of the respective registered said devices, and, recorded, also into and retrievable from the internal memory or memories storage or storages of the relevant respective GPS-responsive registered device or devices of any and all respective registered second or multi-parties claimant or claimants, and, also recorded in the storage memory or memories of the corresponding respective database or databases of the relevant organizations, such as banks, or credit card companies or insurance companies, mortgage companies or other relevant organization or organizations, agency or agencies, department or departments with which each one of the respective authorized registered user of each one of the respective registered said devices is dealing, or allowing relevant secured data/information access and verification or authentication and authorization of transmission and storage, in order to effectively prevent, halt, thwart and curtail or minimize the occurrence of fraudulent transactions and fraudulent event or events and charge or charges and all illegal fraudulent billing claims as may be in cases of false insurance patient-not-present billings or fraudulent insurance claims such as false charges of services and items charges or billing charges not given or rendered to the respective insured patients, and fraudulent-on-the-spot transaction or transactions and fraudulent privacy event intrusion or intrusions;
• (f) a sub-method for also using the built-in GPS, timer and clock and calendar means in concurrently validating or authenticating the true and accurate physical presence each one of the respective registered authorized user of each one of the respective registered said devices in certain restricted locations, such as in airports, airplanes, or other sensitive restricted areas, recordable in real-time or times and date or dates at specific geographical location or locations, and, denying and halting the physical entry and continued presence of any and all suspicious character or characters at relevant certain restricted areas, to effectively enforce more stringent and secured ways or deterrents in combating terroristic threat or threats or potential crimes before acts of terrorism and other crime or crimes can be committed within airports, planes and other restricted tight-security areas and danger-laden places or zones;
• (g) a sub-method for accurately controlling, managing, composing, alerting and alarming and editing of communications and messages received or made from each one of the respective registered said devices by each one of the respective authorized registered user of each one of the respective registered said devices, through the use of anti-fraud and anti-identity-theft programs installed and activated within each one of the respective registered said devices, operated by each one of the respective registered authorized user of each one of the respective registered said devices;
• (h) a sub-method for securely transmitting and/or pre-transmitting electronic communication secured data/information contents and messages made from each one of the respective registered said devices by each one of the respective registered authorized user of each one of the respective registered said devices, directed to any and all relevant targeted organization or organizations, agency or agencies or department or departments or any and all other second or multi-parties with which each one of the respective registered authorized said user of each one of the respective registered said devices is dealing, and has allowed secured access, transmission and storage of secured relevant data/information, according to specific real-time time or times and date or dates as set or pre-set by each one of the respective registered authorized user of each one of the respective registered said devices, as directed to relevant said targeted organization or organizations or agency or agencies or department or departments or to any other relevant second or multi-parties with which each one of the respective registered authorized user of each one of the respective registered said devices is dealing, and has allowed relevant secured data/information access, transmission and storage;
• (i) a sub-method for effectively and securely receiving accurate secured communications and secured data/information contents and messages into each one of the respective registered said devices of each one of the respective registered authorized user of each one of the respective registered said devices, as sent from any and all or some of the relevant organization or organizations or agency or agencies or department or departments, or from any other relevant second or multi-parties with which each one of the respective registered authorized user of each one of the respective registered said devices is dealing, and has allowed secured access, transmission and storage of relevant secured data/information access and transmission and storage;
• (j) a sub-method for effectively and accurately and legibly visually displaying on the LCD display window of each respective registered said device of each respective registered authorized user of each respective registered said devices, of any and all composed, transmitted, pre-transmitted, received and retrieved relevant contents of data/information, alerts and alarms and messages, icons, graphics, and other objects or images, such as personal photos, videos, sceneries, virtual membership cards, virtual passports, virtual credit cards, virtual bank cards, virtual school IDs, virtual driver's license, virtual access cards, virtual airline tickets, travel itineraries, relevant airlines for travel itineraries, according to relevant scheduled times and dates of arrivals and departures, tagged luggage, places or locations of hidden things, lists of things, reminders of things and events and other pertinent things or events, according to the desired needs of each one of the respective registered authorized said user of each one of the respective registered said devices, and/or, according to the requested relevant items required by any and all relevant legitimate inspectors as imposed to, according to relevant official regulations or as allowed by each one of the respective registered authorized user of each one of the respective registered said devices;
• (k) a sub-method for effectively and accurately hearing and recording any and all relevant audible communications or messages from and into each one of the respective registered said devices of each one of the respective registered authorized user of each one of the respective registered said devices, and, also for effectively and accurately hearing and recording any and all relevant composed, transmitted, pre-transmitted, received and retrieved relevant contents of data/information, messages and alerts and alarms and other pertinent audibly perceptible reminders of important things or events, according to real-time or times and date or dates and place or places, or, as set or pre-set in chronological order or at selected time or times and date or dates and place or places as recorded and retrieved from either or both the internal storage memory or memories of each one of the respective registered said devices of each one of the respective registered authorized user of each one of the respective registered said devices, or, as a response or responses to the request of each one of the respective registered authorized user of each one of the respective registered said devices, received from any and all relevant organization or organizations, or agency or agencies, or department or departments, or any and all other second or multi-parties with which each one of the respective registered authorized user of each one of the respective registered said devices is dealing, and has allowed secured access, transmission and storage of relevant data/information;
• (l) a sub-method for accurate internal and external communications between relevant components within each one of the respective registered said devices, according to the desired tasks as determined or pre-determined by each one of the respective registered authorized user of each one of the respective registered said devices, and, according to the relevant program or programs and set programming activated through each one of the built-in micro-processor or microprocessors and internal and external networks and linkages of each one of the respective registered said devices;
• (m) a sub-method for correctly and accurately processing whatever relevant desired specific and/or general relevant tasks and data/information transmission and reception of any and all relevant secured data/information through the effective capacities and capabilities of the microprocessor means and any and/or the desired activated programs installed within each one of the respective registered said devices of each one of the respective registered authorized user of each one of the respective registered said devices;
• (n) a sub-method for alerting each one of the respective registered authorized said user of each one of the respective registered said devices, to prevent, halt, thwart or curtail and minimize any and all attempted fraudulent activities aimed against each one of the respective registered authorized user of each one of the respective registered said devices, and the respective automatic recording of such fraudulent events into the internal storage memory or memories of each one of the respective registered said devices of each one of the respective registered authorized user of each one of the respective registered said devices, and, also the concurrent recording of the respective fraudulent event or events in the internal storage memory or memories of the relevant organization or organizations or agency or agencies or department or departments or any other party or multi-parties with which each one of the respective registered authorized said user of each one of the respective registered said devices is dealing, and has allowed secured access, transmission and storage of relevant data/information;
• (o) a sub-method for electronically instantly responding by each one of the respective registered authorized user of each one of the respective registered said devices, to any and all fraudulent alert activity or activities or warning or warnings through the use of each one of the respective registered said devices;
• (p) a sub-method for setting an automatic rejection initiated by each one of the respective registered authorized user of each one of the respective registered said devices, pertaining to any and all fraudulent transaction or transactions or fraudulent event or events not authorized or pre-authorized by each one of the respective registered authorized user of each one the respective registered said devices, through the use of each one of the respective registered said devices;
• (q) a sub-method for alerting or alarming each one of the respective registered authorized user of each one of the respective registered said devices, pertaining to any and all relevant personal, business, professional identity intrusions that attempt to breach the privacy of each one of the respective registered authorized user of each one of the respective registered said devices, without the consent and knowledge of each one of the respective registered authorized user of each one of the respective registered said devices, through the use each one of the respective registered said devices;
• (r) a sub-method for securely pre-transmitting or transmitting the precise amount of money of each particular transaction or transactions in real-time or times and date or dates or in scheduled or pre-scheduled time or time and date or dates, with or without the GPS location or locations of each transaction or group-transactions as initiated or activated by each one of the respective registered authorized user of each one of the respective registered said devices, through the use of each one of the respective registered said devices, wirelessly and securely directed to any and all relevant bank(s) or credit card company or companies, before any and all relevant merchant or merchants or place or places of business can debit or deduct the corresponding respective authorized amount of monetary value specifically submitted by each one of the respective owner or user of each respective relevant credit card or ATM card from where the debiting or deducting of the corresponding respective exact monetary value or amount of money can be successfully consummated by the relevant merchant or merchants or place or places of business, as specific to each relevant respective transaction or transactions;
• (s) a sub-method for transaction matching between the pre-transmitted transaction amount, relevant true-personal identity and credit card or ATM bank card data/information ownership as pre-transmitted by each one of the respective registered authorized user of each one of the respective registered said devices, using each one of the respective registered said devices, and the transaction amount, relevant true-personal identity and credit card or ATM bank card data/information ownership, within allowable proximity to real-time or times and date or dates, with or without GPS location or locations as electronically submitted by a merchant or merchants or a place or places of business that can result into a consummation or completion of each particular transaction or group transactions in case there is an optimum transaction match, or, resulting in an automatic or manual rejection of any and all particular transaction or transactions, in case there is suspicious or non-tolerable mismatch of transaction or group transactions and data/information mismatch;
• (t) a sub-method for alerting or alarming each one of the relevant respective authorized user of each one of the respective registered said devices regarding the respective relevant credit card or ATM bank card as associated with relevant means, methods and processes of rejecting any and all mismatched transactions or group transactions, in case there is any misuse or transaction mismatch, coordinated with relevant means, methods and processes of recording such said relevant misuse or misuses or mismatch transaction or transactions or mismatch event or events, through the use of each one of the relevant respective registered said devices;
• (u) a sub-method for recording any and all consummated legitimate transactions made or initiated electronically by each one of the respective registered authorized user of each one of the respective registered said devices, though the use of each one of the respective registered said device or devices;
• (v) a sub-method for inputting into the interactive LCD display window of the respective registered said device, of any and all relevant data/information, by manual or touch-screen or voice-command activities, and, to result in interactive visual display or displays and/or audio and/or audio-visual and/or video display or displays of whatever desired data/information, iconic symbols, graphics, pictures, scenes, illustrations, drawings, photos, videos, text, transactions, alerts or messages or any other relevant other displayable and or audible received, outgoing, retrieved or transmittable or transmitted or pre-transmitted relevant items, events or other relevant items;
• (w) a sub-method for outputting into the interactive LCD display window of each one of the respective registered said devices of any and all desired relevant data/information, iconic symbols, graphics, pictures, scenes, illustrations, drawings, photos, videos, text, transactions, alerts or messages that is/are being worked on, or received or retrieved from each one of the respective registered said devices' internal storage memory or memories or any other relevant displayable electronically transmittable items, events or other pertinent items and/or outputting any desired audible outgoing, retrieved or transmittable or transmitted or pre-transmitted relevant items, events or things which can be audibly perceptible through the speaker means or earphone-transmitting means of each one of the respective registered said devices, as properly initiated by each one of the respective registered authorized user of each one of the respective registered said devices, and as set or pre-set according to the relevant program or programs installed therein each respective registered said devices, and according to the set programming of each one of the respective registered said devices;
• (x) a sub-method for creating and displaying clearly and legibly on the LCD display window of each one of the respective registered said devices of each one of the respective registered authorized user of each one of the respective registered said devices, showing the specific identifying virtual personal identification card in the exact likeness of the corresponding actual physical personal identification card of the respective person who owns the specific actual personal identification card or organizational membership card, and, also creating and displaying on the same LCD display window the specific scan-readable bar-code that respectively represents the same identifying accurate data/information of who owns the actual physical personal identification card or organizational membership card;
• (y) a sub-method for creating and displaying clearly and legibly on the LCD display window of each one of the respective registered said devices of each one of the respective registered authorized user of each one of the respective registered said devices, showing the specific identifying virtual personal or business credit card or virtual ATM bank card and the respective specific scan-readable displayed identifying virtual bar-code that represents the respective actual physical credit card or ATM bank card of each one of the respective owner of said personal or business card;
• (z) a sub-method for photographing the incoming physical personal and/or business check or checks to be recorded into the internal memory of each one of the respective registered said devices of each one of the respective registered authorized user of each one of the respective registered said devices, and/or photographing and transmitting each one of the relevant outgoing signed respective check or checks with the respective exact assigned monetary amount and to whom said signed respective relevant check or checks is written for, and, then directly transmitting to the respective relevant bank or banks, with relevant means, methods and processes for recording each one of the respective photograph or photographs of the signed respective relevant outgoing check or checks into the internal storage memory of each one of the respective registered said devices, and, the encrypted secured transmission of the exact image of said signed respective relevant outgoing personal or business checks of each one of the respective registered authorized user of each one of the respective registered said devices, in order to prevent check forgery by thieves or unlawful individuals, and also to prevent identity theft;
• (aa) a sub-method for correctly and properly inputting, recording, displaying and retrieving and encrypting and securely transmitting the personal fingerprint biometrics or iris biometrics and/or secret password and/or voice-print biometrics of each one of the respective registered authorized user of each one of the respective registered said devices, including any and all relevant secured data/information of relevant credit cards or ATM bank cards or organizational membership cards transmitted to any and all relevant credit card company or companies or banks or any other trusted party or parties allowed by each one of the respective registered authorized user of each one of the respective registered said devices, and with whom each one of the respective registered authorized user of each one of the respective registered said devices is legitimately dealing, and has allowed the secured relevant transmission, access and storage of any and all relevant data/information;
• (bb) a sub-method for securely coordinating in transferring any controlled desired amount or amounts of money from any chosen legitimate credit card or ATM bank card to the respective built-in Near-Field-Communication (NFC) component in each one of the respective registered said devices of each one of the respective registered authorized said user of each one of the respective registered said devices, and, involving any and selected relevant means, methods and processes of transferring definite controlled desired amount or amounts of money from each one of the respective registered said devices to any specific relevant respective responsive NFC-collecting device or devices for direct payments of any and all relevant fees required in fast-lane transportation facilities or to any other relevant fast-lane place or places of business equipped with compatible relevant respective NFC-enabled fee-collection device or devices, and, coordinating the respective relevant recording of any and all accurate corresponding deducted fees or relevant amount or amounts of money taken out from each one of the respective registered said device's built-in NFC component of each one of the respective registered said devices through the respective internal recorder relevant means, methods and processes, and saved into the corresponding internal storage memory or memories of each one of the respective registered said devices for future retrieval and checking and reviewing and for accurate evidentiary purposes;
• (cc) a sub-method for swiping and reading any compatible credit card or ATM bank card or any other relevant membership card or rewards card, as engaged into each one of the built-in card swiping slot and magnetic stripe reader of each one of the respective registered said devices, so as to obtain the proper desired amount of money from the respectively swiped credit card or ATM bank card or from any other relevant membership card or rewards card, through accurately reading the proper respective relevant card's correct identification data/information encoded in the respective relevant card's magnetic stripe, and then inputting the respective correct identification data/information from each one of the respective relevant card's magnetic stripe into each one of the involved respective registered said devices, including the entered desired amount of money to be deducted from the respective relevant selected pre-swiped credit card of ATM bank card or other relevant membership card or rewards card, and then followed by the wireless secured pre-transmission of the exact amount or amounts of funds or amount or amounts of money as initiated by each one of the respective owner of any and all relevant respective ATM bank card or other specific relevant membership card or rewards cards and then pre-transmitted to the relevant bank or credit card company or relevant membership company or other relevant entities, before the chosen relevant respective credit card or ATM bank card or relevant membership card or rewards card is directly handed by each one of the respective owner of each one of the respective credit card or ATM bank card or relevant membership card or rewards card, to the relevant respective merchant or merchants or to any other respective relevant place or places of business, and then further swiped into the respective relevant merchant's or business' transaction swiping device, in order to ensure that only the specified pre-transmitted respective exact monetary amount can be properly and accurately deducted from said selected customer/owner pre-swiped credit card or ATM bank card or relevant respective membership card or rewards card, to be taken by the corresponding respective relevant merchant's or place of business' collecting device or devices of the relevant respective merchant or place of business, as per the specific transaction within whatever programmed allowable relevant nearest approximate time, date and place when and where the exact relevant monetary deduction is to be consummated;
• (dd) a sub-method for using each one of the respective registered said devices for securely tagging and verifying each one of the registered authorized said user of each one of the respective registered said devices for his or her easy and faster entry through the respective airport entry gates and airplanes, if the carrier of each one of the respective authorized said devices has been pre-approved for clearance for such said entry by the TSA;
• each one of the respective registered said devices containing within its internal memory the required verifiable virtual documents, such as virtual passports and visas when required for international travel, virtual driver's license or other virtual identification cards, verifiable virtual photos, personal approved biometrics, verifiable exact copies of flight history or approved flight itineraries, required copies of approved airline tickets, which are accessible from within each one of the respective registered said device's internal memory, and that are and can be conveniently and instantly projectable and comparable and verifiable when passing through NFC-installed airport passenger electronic clearance machine or machines with LCD coordinated electronic visual display comparator, checkable on-the spot by the respective relevant assigned airport and airline inspectors and/or assigned registered airport and airline guards;
• (ee) a sub-method for using each one of the respective registered said devices by the military and law enforcement agents during military deployment or war or during rescue mission operations, or, used by the civilian population as safety means, sub-method and processes for instant minute-to-minute geo-positional and area-to-area guidance to safety and avoidance of danger zones especially during civilian evacuation in case of storms, hurricanes, floods, tsunamis, tornadoes, earthquakes, fires or terrorist threats and other dangerous incidents.

Methods for effective and coherent implementation to any and all customer-controlled instant-response anti-fraud and anti-identity theft devices and systems, equipped with true-personal identity verification applications, aimed to prevent and halt and curtail the commitment of transactional fraud, identity fraud, communication fraud, identity theft, bank account and credit card theft and fraud, illegal insurance claims fraud, school bullying, airport and airline mishaps, terroristic threats and activities, and erroneous transactional entries, in order to securely and immediately protect and safeguard each respective authorized registered user of each respective registered said devices;

• said methods providing for effective implementation to initiate, coordinate and consummate any and all wireless, secured and accurate inter-linking reception, transmission, pre-transmission, memory storage and retrieval of any and all data/information contents and exchange between each respective authorized registered said user of each respective registered said devices, and any and all legitimate relevant specific bank or banks and/or credit card company or companies or any other relevant legitimate organization or organizations, agency or agencies, company or companies, department or departments, as officially, legally and accurately associated, linked and coordinated with each respective registered authorized user of each respective registered said devices and each respective registered said devices, utilizing said methods that utilize instant-alarm and instant-response functionalities, and providing also the relevant functional effective methods to enable each of the respective registered said devices to input, store, retrieve, visually display and audibly output whatever required and secured true-personal identity verification of each respective authorized registered said user through each of the respective registered said devices, and, moreover providing methods for verifying, validating and authenticating virtual personal, business or organizational documents, and biometrics of each respective authorized registered said user of each respective registered said devices, and, including further relevant methods to achieve instant and constant advisory precautions, safety and security guidance to each respective authorized registered user of each respective registered devices, during any and all forms or types of dangerous conditions or situations;
• said methods capable of coordinating effectively with any and all relevant processing means, transmission means, reception means, value representation means, audio-visual interactive means, micro-processing means and both personal and machine readable means;
• said methods comprising of:
• (a) initially registering a specific user of each respective specific device and concurrently initially registering also said respective specific device to said specific user to establish an accurate tie-in or link accurately and directly associating both the registered specific user to the respective registered specific device, and then associating both said respective registered user and the respective registered specific device, to any and all relevant selected specific bank or banks or credit card company or companies, or any other relevant specific organization or organizations, agency or agencies companies, department or departments or any other relevant second and third party or parties;
• (b) establishing certain secured transmission method or methods with any and all relevant effective compatible processing means, coordinating with any and all relevant networking means, database referral and storage means and data/information retrieval means between the specific registered user and the respective registered specific device with any and all relevant specific bank or banks or credit card company or companies or any other relevant organization or organizations, agency or agencies companies, department or departments or any other relevant second or third party or parties as associated or coordinated with said specific registered user of said respective registered specific device;
• (c) establishing certain instant-response interactive alerting or alarming and messaging method or methods with secured reception and transmission methods and means between said specific registered device and said specific registered user of said specific registered device, coordinating responsibly and accurately with the relevant respective specific bank or banks or credit card company or companies or any other relevant organization or organizations, agency or agencies companies, department or departments, or any and all other relevant second or third parties associated or coordinated with said specific registered user of said specific registered device;
• (d) processing accurately an ongoing transaction or group transactions, and also accurately processing and managing of future pre-set transactions, and also accurately processing past transactions when retrieved;
• (e) validating and authenticating of any and all relevant data/information contents and exchange;
• (f) confirming a validated and authenticated transaction, whether presently occurring or occurring in the future or having occurred in the past;
• (g) rejecting automatically by said respective registered specific device or by the respective registered user of said respective registered specific device using said respective registered specific device pertaining to any and all invalid transaction or transactions or event or events, data/information and transaction error entry or error entries, fraudulent transaction or transactions, fraudulent claim or claims, fraudulent event or events, and recording of said rejecting or rejection of any and all relevant invalid transaction or transactions or event or events, fraudulent transaction or transactions, fraudulent claim or claims or fraudulent event or events in said specific registered device' memory;
• (h) finalizing and completing any and all legitimate and authenticated and validated legitimate transaction or transactions or event or events;
• (i) storing any and all validated and authenticated transaction or transactions or event or events, and recording such said validated and authenticated legitimate transaction or transactions or event or events in said respective registered specific device's memory, as well as recording said validated and authenticated legitimate transaction or transactions or event or events in relevant databases of each relevant respective organization or organizations, institution or institutions, agency or agencies, department or departments and/or in the databases of any and all other relevant second and third party or parties which each respective registered user of each respective registered specific device is dealing with and has allowed access, transmission, messaging, alerting, inter-communications, recording, retrieval and display of any or all pertinent relevant secured data/information.

A method having a first initial preparatory sub-method, and having also other specific sub-methods applicable for smart telecommunication devices coordinating with internal and external systems, integrated components, software programs and data/information and command processors, electronic relaying and control and distribution links, electrical power supplies power, input, output, storage, retrieval, and audio-visual display, providing secured protection to each one of the registered real owner/user of each one of the respective registered said smart telecommunication devices, equipped with secured instant-response anti-fraud and anti-identity theft programs, functions and capabilities, in order to halt, prevent and minimize fraud, identity theft and transactional errors that threaten to victimize any one or more of the respective registered real owner/user of each one of the respective registered smart telecommunication devices, and also providing secured true-personal identity verifications of each one of the respective registered said real owner/user of each one of the respective registered smart telecommunication devices, through the use of secret PIN or PINs or password or passwords and/or encrypted personal biometrics such as fingerprints, palm prints, voice prints or iris biometrics, and, showing authenticated ownership of certain specific true virtual documents, such as true virtual membership card or cards, true virtual bank card or cards, true virtual credit card or cards, true virtual driver's license, true virtual passport, true virtual visas, true virtual insurance card or cards, true virtual Medicare card, true virtual Medicaid card, true virtual social security card, true virtual automobile insurance card or cards, true virtual home insurance card or cards, or true virtual birth certificate or other true virtual certificates, true virtual property ownership card or cards or certificate or certificates, true virtual employee card or cards, true virtual employer card or cards, true virtual diploma or diplomas, true virtual restricted area entry and exit card or cards, true virtual ticket or tickets, such as true virtual airline ticket or tickets, true flight travel itineraries, true virtual family photos, true virtual photos of associates, friends or relatives of each of the respective registered said real owner/user of each one of the respective registered smart telecommunication devices, and other true virtual items, in order to assist and empower each of the respective registered said real owner/user of each one of the respective registered said smart telecommunication devices during any and all required inspections and true verifications of the personal presence of each of the respective registered said real owner/user of each one of the respective registered smart telecommunication devices, in relevant gates or entries in certain restricted areas such as in specific airport or airports or aircraft or aircrafts, or entries into relevant countries or border zones, and, furthermore, providing sub-methods for instant-response precaution, advice, safety, security and guidance protections to each one of the respective registered said real owner/user of each of the respective registered said smart telecommunication devices, which can be very helpful and important to prevent harm or injuries to each one of the respective registered said real owner/user of each of the respective registered said smart telecommunication devices before, during and after emergencies, rescue operations, military deployments and war, law enforcement operations, natural calamities such as hurricanes, tornadoes, tsunamis, earthquakes, mass evacuations, terroristic and other hazardous situations, such as harmful explosions, shootings, robberies, rapes, hold-ups, kidnappings, car-napping, hijackings and school bullying;

• said specific sub-methods involving any of the following enumerated specific sub-methods, according to the selection and specific selected tasks as required by the respective registered owner/user of the respective registered said smart telecommunication devices belonging and specifically registered for his or her own use;
• said specific sub-methods comprising of:
• (a) (FIG. 13) a first initial preparatory specific sub-method for the required preparation phase of operation before any further anti-fraud and anti-identity theft uses, with true-personal verification protective functions are implemented, as effective specific sub-method to support any and all customer-controlled functionalities of the instant-response anti-fraud/anti-identity theft device with true-personal identity verification, providing for effective and accurate applications and operations in personal and/or business e-banking and e-commerce secured transactions and activities, in order to properly and accurately prepare each respective registered said device in association or as directly linked with each one of the respective customer/owner/user of each respective one of the respective registered said device for initiating, carrying out, concluding, limiting, approving or rejecting, consummating and completing any and all succeeding transactions, whichever the case may be;
• and said first initial preparatory specific sub-method providing in directly linking each respective registered customer/owner/user with the respective registered said device to any and all legitimate organization or organizations, agency or agencies, institution or institutions, bank or banks, credit card company or companies, mortgage company or companies, private or government insurance company or companies, police department or departments, public security and safety administration or administrations, school or schools, immigration and naturalization agency, homeland security and transportation agencies, department of motor vehicles, law enforcement agencies or any and all other second or third party or parties, with whom the respective registered customer/owner/user of each one of the respective registered said device, is dealing and allowing transmission, reception, access, and storage, comparison and retrieval of any and all legitimate relevant data/information, aimed to reduce, halt and prevent the commitment and occurrence of fraud and identity theft activities and any and all errors in data/information input and output that can victimize the respective registered customer/owner/user of each respective registered said device, in any and all personal, business and organizational matters;
• said first initial preparatory specific sub-method also adequately preparing for providing safety, security and precautionary guidance to each one of the respective registered customer/owner/user of each respective registered said device, during stationary and mobile and travel conditions, and, during emergency situations and hazardous conditions, such as any and all mass evacuations due to natural disasters such as floods, hurricanes, tsunamis, tornadoes, rain and snow and freezing conditions, earthquakes, fires, biological and chemical disasters, harmful shootings, invasions, or terroristic activities, and during law enforcements or during military operations, whichever the case may be;
• said first specific sub-method being made to initially prepare for various categories of sub-methods;
• said first initial preparatory specific sub-method comprising of steps:
• i. setting a required proper PIN for each respective customer-controlled anti-fraud/anti-identity theft device in order for said device to work and function furthermore, in preparation for connections and inter-linkages with specific banks or credit card companies or other relevant organizations, agencies, services, departments, merchants or any other second or thirst parties, to be made by the respective customer/owner/user of each respective said device to make the respective said device to function properly;
• ii. loading the required initial biometrics data such as a selected finger biometrics or iris biometrics data of the respective customer/owner/user of each respective said device for further accurate future accessing into each respective said device, during any and all succeeding future use of each respective said device, necessary as a correct true-personal identity verification for the further execution of correct and proper biometric matching and true-personal identity verification;
• iii. registering each respective said device by each respective bank and/or credit card company or companies or by any other relevant organizations, agencies, services, departments, merchants or any other second or third parties, into each respective relevant systems, networks, links and databases, while each of the respective bank and/or credit card company or companies or any other relevant organizations, agencies, services, departments, merchants or any other second or third party or parties, and providing the necessary required security for wireless, wired and/or optical communication networks & database(s) of any and all relevant information/data directed and transmitted to and received from each respective registered said device;
• iv. loading the respective customer's/owner's/user's specific account(s) data/information and correct true-personal identification information by each respective bank and/or credit card company or companies or any other relevant organizations, agencies, services, departments, merchants or any other second or thirst parties into the internal memory of each respective registered said device;
• v. linking the respective registered said device of the respective customer/owner/user to the bank server or other relevant servers to access the respective customer's/owners/user's bank and/or credit card companies account(s) data/information or transaction information and correct true-personal identification information, by each respective bank and/or credit card company or companies or any other relevant organizations, agencies, services, departments, merchants or any other second or thirst parties;
• vi. setting the relevant required authorized pin/password and/or biometrics for the safe access to each of the customer's/owner's/user's respective account and transaction information and secured true-personal identity verification, by the relevant respective bank and/or credit card company or companies or any other relevant organizations, agencies, services, departments, merchants or any other second or third parties;
• (b) (FIG. 15) a specific sub-method for processing an authorized customer's or authorized user's physical credit/debit card for the user's part of transaction, utilizing said device, and said specific sub-method comprising of steps:
• i. switching on of respective registered said device, having true-personal identity verification application;
• ii. entering the required passcode and/or scanning for the biometric data by the respective registered user of the respective registered said device to activate and unlock or activate the respective registered said device;
• iii. verifying or validating if the inputted data/information is correct;
• iv. if not verified or validated:
• locking the respective registered said device and stopping task processing for possible fraudulent use of the respective registered said device or possible error input of data/information;
• v. if verified or validated:
• prompting the respective registered owner/user of the respective registered said device in swiping the selected physical credit/debit card into the swiping slot of the respective registered said device or manually entering said selected physical credit/debit card details;
• vi. prompting the respective registered owner/user of the respective registered said device in selecting the type of card, either credit or debit;
• vii. prompting the respective registered owner/user of the respective registered said device in entering PIN/security code for the specific selected physical bank credit/debit card;
• viii. prompting the respective registered owner/user of the respective registered said device in entering the exact amount and currency to be transacted, and the access no. of the merchant, if available and needed;
• ix. automatically generating a Transaction Identification Number (TIN) and displaying it to the respective registered customer/user using the respective registered said device;
• x. connecting the respective registered customer's/user's selected physical credit/debit card bank account through the respective registered customer's/user's credit/debit card processing means, with needed transaction info;
• xi. validating authentication and authorization of the particular or specific transaction;
• xii. if not validated:
• recording of error/denial log and alarming the respective registered owner/user of the respective registered said device about fraudulent usage of the selected credit/debit card, and stopping task processing;
• xiii. if validated:
• verifying the availability of funds in said selected physical bank card or credit card owner's account for the specific transaction;
• xiv. if not verified or validated:
• recording of error/denial log and alarming the respective registered owner/user of the respective registered said device about insufficient funds in said selected account for said owner/user to remedy insufficiency of funds, and stopping task processing within a certain programmed allowable time to remedy insufficiency of funds in said selected account;
• xv. if verified and validated:
• processing specific transaction by respective registered owner's/user's card processing means of the respective registered owner's/user's selected debit/credit card;
• xvi. recording and saving the specific transaction in the buffer memory of said owner's/user's bank account;
• xvii. placing a hold of respective registered owner's/user's specific transaction until time for merchant's legitimate claim, and then, task processing is completed;
• (c) (FIG. 16) a specific sub-method for processing authorized transaction by merchants at the point-of-sale, comprising of steps;
• i. swiping the customer's credit/debit card or scanning the barcode of the virtual card using said device at the point-of-sale terminal;
• ii. prompting and selecting the type of card, either credit or debit;
• iii. prompting and entering the required proper PIN and/or validating the owner/user personal Identity;
• iv. prompting and entering the transaction identification number generated by said device at point-of-sale terminal, if available and needed;
• v. prompting and entering the amount and the currency to be transacted;
• vi. connecting to the customer's credit/debit card bank account through merchant's credit/debit card processing means for authorization and authentication;
• vii. validating for authentication & authorization;
• viii. if not validated:
• recording of error/denial log and alarming the respective registered owner/user about fraudulent usage of credit/debit card, in said device, and automatic stopping task processing;
• ix. if validated:
• verifying availability of the account funds to allow for the transaction;
• x. if funds are insufficient:
• recording denial log and alarming of insufficiency of funds in said device on the specific account of customer/owner/user of specific credit/debit card of error/denial log, and alarming the merchant of insufficient funds in selected account for said owner/user to remedy insufficiency of funds, and automatically stopping task processing;
• xi. if funds are available sufficiently:
• comparing buffer memory in the specific bank or credit card company for the customer part of transaction, if there is perfect match of amounts per specific transaction, with merchant's specific monetary claim;
• xii. if no match:
• recording and alerting of mismatch in said device, and reporting mismatch to the merchant terminal and automatically cancelling the specific transaction processing;
• xiii. if match:
• processing the merchant's specific transaction claim;
• xiv. crediting the exact monetary amount to the specific merchant's bank account;
• xv. saving the merchant's transaction in the buffer memory of the customer's bank account;
• xvi. recording of the transaction in the said device and notifying the owner/user of completed transaction, and task processing is completed;
• (d) (FIG. 18) a specific sub-method for processing authorized transaction by merchants through telephonic or online means, comprising of steps:
• i. deciding to make a purchase or pay bill online or by telephone;
• ii. activating voice recording application in said device by the respective registered user/owner of the respective registered said device in order to record the exact specific telephonic transaction for accurate evidentiary protection and security pertaining to the specific said telephonic transaction with a merchant or business or another person or organization;
• iii. in case online transaction is chosen:
• prompting the respective registered owner/user of said respective registered device to authorize a telephonic transaction, starting by swiping a selected physical credit/debit card, or manually entering the chosen credit/debit card details in said respective registered device;
• iv. prompting respective registered owner/user of said respective registered device to select the type of card, either credit or debit;
• v. prompting said owner/user of said respective registered device to enter the respective secret PIN/security code for the particular selected bank credit/debit card;
• vi. prompting said respective registered owner/user of said respective registered device to enter the amount and currency to be transacted and the access no. of the merchant, if available and required;
• vii. automatically generating a transaction identification number and displaying it to said respective registered owner/user of said respective registered device, and also displaying who is the real customer/owner of a selected credit/debit card for the intended specific transaction;
• viii. connecting the specific customer's particular credit/debit card bank account through relevant customer's credit/debit card processing means with transaction info;
• ix. validating for authentication and authorization during processing of said specific transaction;
• x. if not validated:
• recording of error/denial log and alarming with message in said respective registered device on possible fraudulent usage of said selected credit/debit card, and stopping task processing;
• xi. if validated:
• verifying by the specific bank about the availability of the funds in specific customer's specific bank account for the proper execution of specific transaction;
• xii. checking by the specific bank if the funds are available sufficiently to cover the specific transaction;
• xiii. alarming and recording in said respective registered said device if funds in specific account in the specific bank is insufficient to cover the specific transaction, and giving opportunity to the customer/user to remedy insufficiency in the specific bank account, and stopping task processing until the insufficiency of funds in specific account is solved;
• xiv. if verified that funds are sufficiently available in specific bank account, relevant processing means processing specific transaction with customer's/owner's/user's selected specific debit/credit card;
• xv. recording and saving specific transaction in the buffer memory of said respective registered customer's/owner's/user's specific bank account and placing a hold on said specific transaction until specific merchant legitimately claims the exact amount of money on hold as per the specific transaction, and so said respective registered customer/owner/user pre-authorization task processing is completed;
• xvi. if online transaction is desired:
• prompting said customer/owner/user to choose from the payment options and select for online internet transaction;
• xvii. prompting said customer/owner/user in entering bank details online:
• name of the account holder, type of card, card number, expiration date, the amount to be transacted and currency;
• xviii. sending transaction details along with the generated transaction information number to the web server means to process the specific transaction;
• xix. validating by web server the details of the particular given credit/debit card with the bank;
• xx. if authorization and authentication is not validated:
• recording and alerting in said device of possible error/denial or fraudulent usage of the particular credit/debit card, stopping task processing;
• xxi. if validated:
• verifying by the specific bank pertaining to the availability of funds in specific customer's/owner's/user's specific bank account for the specific transaction;
• xxii. alarming and messaging and recording in said device if funds are insufficient in the specific bank account, and processing of transaction is halted until specific customer/owner/user can immediately remedy insufficiency of funds, or else further stopping of task processing;
• xxiii. if verified or validated for sufficiency of funds in the specific bank account:
• comparing if the buffer memory for said customer/owner/user part of transaction matches with merchant's claim;
• xxiv. if no match:
• alarming and recording of mismatch in the respective registered said device, and reporting mismatch information to the particular merchant or business or person or organization, and cancelling the specific transaction, unable to process said specific transaction;
• xxv. if there is perfect match:
• processing merchant's transaction through web server means;
• xxvi. crediting the exact amount of money according to the specific transaction to the merchant's bank account;
• xxvii. saving the merchant's specific transaction in the buffer memory of the specific customer's/owner's/user's specific bank account;
• xxviii. reporting and recording of specific transaction in the respective registered said device, and notifying said respective registered customer/owner/user of completed transaction, and task processing is completed;
• (e) (FIG. 19) a specific sub-method for checking the balance of a specific debit/credit card prior to a transaction being performed by the card's and device's owner, comprising of steps:
• i. switching on the respective registered device by the registered owner/user of the respective registered device;
• ii. entering the passcode and/or scanning for the biometrics data of the registered owner/user of said respective registered device to activate and unlock said device;
• iii. verifying and validating the newly inputted password and/or biometrics data by electronically comparing them with the initially inputted data previously accepted and stored in the internal memory of said respective registered device;
• iv. if not verified or validated:
• locking said respective registered device and stopping task processing due to possible fraudulent use of said respective registered device or due to error in the newly inputted password and/or newly inputted biometrics data;
• v. if verified or validated:
• prompting registered owner/user of said respective registered device for swiping the selected physical credit/debit card to be used through the built-in swiping slot of said respective registered device or manually entering the selected credit/debit card details;
• vi. prompting said respective registered owner/user of said respective registered device to select the type of card to be used, either credit or debit;
• vii. prompting said respective registered owner/user of said respective registered device in entering the secret PIN/security passcode for the particular selected bank credit/debit card;
• viii. prompting if authorization and authentication is validated;
• ix. if not validated:
• recording of error/denial log and alarming said respective registered owner/user of possible fraudulent usage of said selected credit/debit card, stopping task processing, through the recording and alarming means of said respective registered device, and then stopping the processing of request of specific account's fund balance;
• x. if validated:
• connecting the customer's/owner's/user's selected credit/debit card bank account through customer's credit/debit card processing means, through the secured mobile connectivity of said respective registered device;
• xi. processing the request by the relevant processing means and reporting balance of funds information in the specified account;
• xii. displaying account balance on the screen of said respective registered device, task processing complete;
• (f) (FIG. 20) a specific sub-method for processing a transaction initiated by a merchant, and accepting or rejecting a transaction;
• said specific sub-method comprising of steps:
• i. swiping a selected physical credit/debit card at any point-of-sale terminal, ATM or entering the details of selected physical credit/debit card manually to initiate a transaction;
• ii. selecting the type of card, either credit or debit card, if required;
• iii. entering the secret PIN/security code or validating the customer's/owner's/user's personal Identity for the selected physical bank debit/credit card transactions, if required;
• iv. entering the amount and currency, the access no. of the merchant, optionally, if available and required, for the specific transaction;
• v. connecting to the customer's/owner's/user's credit/debit card bank account through merchant's credit/debit card processing means;
• vi. validating for authentication and authorization;
• vii. if not validated:
• recording of error/denial log and alarming the respective registered owner/user of possible fraudulent usage of said credit/debit card, stopping task processing;
• viii. if validated and there is also no previously inputted customer part of transaction in the buffer memory of the particular customer's bank account, displaying in the LCD screen and/or sounding alarm through the speaker system of said respective registered device for the respective customer's/owner's/user's approval or rejection of the specific transaction;
• ix. if rejected by the specific customer/owner/user:
• cancelling of the specific transaction, and reporting to the specific bank about the rejected or possibly fraudulent transaction, and recording of error/denial log in said respective registered device, stopping task processing;
• x. if approved:
• processing of specific transaction through relevant correct credit/debit card processing means;
• xi. recording and saving of specific transaction in the said respective registered device, and notifying said respective registered owner/user of said respective registered device of completed transaction, task processing complete;
• (g) (FIG. 21) a specific sub-method for pre-authorizing future transactions to be automatically deducted from the respective registered device's/owner's credit card, using said respective registered device to pre-approve a future upcoming transaction, comprising of steps:
• i. switching on the respective registered device;
• ii. entering the secret PIN or passcode and/or scanning for the biometrics data of the respective registered owner/user of said respective registered device to activate and unlock said respective registered device;
• iii. verifying or validating the newly inputted data for matching and electronically comparing them with the previously accepted inputted data stored in the internal storage memory of said respective registered device;
• iv. if not verified or validated:
• locking said respective registered device, and automatically stopping task processing while sounding an alarm in said respective registered device for possible fraudulent use of said device, and said device will not work further;
• v. if verified or validated:
• prompting said respective registered owner/user of said respective registered device in swiping selected physical credit/debit card through said respective registered device's swiping slot to enable reading of read-only data/information stored in the just-swiped credit/debit card's magnetic stripe, or manually entering the selected credit/debit card details;
• vi. prompting said respective registered owner/user in selecting the type of card, either for credit or debit;
• vii. prompting said respective registered owner/user in entering the secret PIN/security code for the selected bank credit/debit card;
• viii. prompting said respective registered owner/user in selecting “pre-authorize a transaction” from the options;
• ix. prompting said respective registered owner/user in entering the amount and currency to be transacted, and the access no. of the merchant, if available and needed, as well as the description and date when the pre-authorized transaction is to be made;
• x. connecting said respective registered customer's/owner's/user's credit/debit card bank account through customer's credit/debit card processing means with transaction info;
• xi. validating authentication & authorization;
• xii. if not validated:
• recording of error/denial log and alarming said respective registered owner/user of said respective registered device, through said respective registered device of possible fraudulent usage of specific credit/debit card, stopping task processing;
• xiii. if validated:
• storing the specific transaction details in customer's/owner's/user's bank account database memory, as well as in memory storage of said respective registered device for the future pre-authorized transaction;
• xiv. verifying if adequate funds are available a day or more in advance, by the respective bank for the specific pre-authorized transaction;
• xv. if not verified of available sufficient funds in specific bank account:
• alarming said respective registered owner/user of said respective registered device at regular intervals of time about the insufficient funds in selected account for said respective registered owner/user to remedy insufficiency of funds, offering said respective registered owner/user the possibility to cancel transaction;
• xvi. if transaction must be cancelled:
• reporting cancellation to the specific bank, and recording error/denial log in the said respective registered device, stopping task processing;
• xvii. if transaction is not cancelled and funds are sufficient:
• recording of specific transaction in said respective registered device, and notifying said respective owner/user about processing the pre-authorized transaction and recording in said respective registered device when said pre-authorized transaction is completed, task processing complete;
• (h) (FIG. 22) a specific sub-method for using a virtual bank card instead of a physical bank card or physical credit card to make personal monetary and/or commercial transactions by storing and retrieving the images of each of the physical bank cards and physical credit cards, and projecting the respective virtual images representing the respective said physical bank card or physical credit card into the LCD display window of the respective registered said device accompanied by specific respective barcodes, respectively representing the required data/information of the respective virtual bank card or virtual credit card in order to proceed, carry out and accomplish a completed monetary or commercial transaction or transactions;
• said specific sub-method comprising of steps:
• i. step A:
• switching on the anti-fraud and anti-identity theft with true-personal identity verification applications of the respective registered said device or CCIRAF/AITD belonging to the respective registered customer/user, then inputting again the required PIN or passcode and/or biometrics of said respective registered customer/user for electronically validating the newly inputted required PIN or passcode and/or biometrics data/information as electronically compared with the relevant pre-loaded correct PIN or passcode and/or biometrics data/information as previously set in the respective registered said device for matching accuracy, and in order to access the already pre-loaded relevant correct bank account or credit card data/information in the respective registered said device, and then prompting said device to display on the LCD display window all the available projectable virtual bank account cards or credit cards that have been pre-loaded into said device, and then scrolling through the LCD touch-screen of said device the various displayed virtual credit/debit bank cards, feeding from the pre-loaded virtual images of the respective bank account cards or credit account cards stored in the internal memory of the respective registered said device or CCIRAF/AITD, and then selecting which specific projected virtual bank account card or credit account card to use for the intended transaction or transactions, before proceeding further with any transaction or transactions;
• ii. step B:
• entering in said device by the respective registered customer/user, the required transaction information like card details, PIN, amount, currency and any other relevant data/information required to process the specific transaction, and, submitting the chosen virtual credit/debit card transaction details to the customer's credit card processing means via secured connections;
• iii. step C:
• routing to the customer's credit card processing network the transaction data/information and to the customer's bank account or credit card account with correct authorization;
• iv. step D:
• approving or declining the specific transaction based on the validation details of the selected virtual bank card, PIN and customer's available funds;
• and then sending the transaction results back to the customer's credit card processing means, about the transaction approval or decline or denial made at the specific customer's bank account or credit card account, and is left recorded into the customer's specific bank account's buffer memory of the respective credit/debit card bank account's database;
• v. step E:
• notifying to said device of the transaction results of approval or denial via the customer's credit/debit card processing means, and thus completes the customer part of the transaction;
• and then displaying to the respective registered customer a specific transaction identification number in said device, when programmed, after said device or bank generates said specific transaction identification number;
• wherein the generated transaction identification number, signifying that the customer/user-part of the specific transaction has been processed;
• vi. step F:
• scanning the specific chosen projected virtual credit/debit card's barcode as displayed on said device's LCD display window;
• said scanning activated by a merchant's barcode reader at a merchant's point-of-sale terminal to execute the specific transaction for direct point-of-sale purchase, also, for revealing the respective registered customer's/user's credit/debit card data/information containing the specific transaction data/information, PIN, specific transaction amount, currency and transaction identification number;
• vii. step G:
• sending the particular virtual credit/debit card transaction from the particular merchant's point-of-sale terminal through the merchant's credit/debit card processing means on behalf of the respective registered customer/user via secured electronic connections and networks;
• viii. step H:
• routing from the merchant's credit/debit card processing means the specific transaction to the customer's bank account to obtain the needed authentication, validation, approval and authorization;
• ix. step I:
• approving or denying said specific transaction as decided at the customer's bank account database with the proper credit/debit card issuing bank approving or declining said specific transaction based on respective registered customer's available funds, and the corresponding customer part of the transaction as stored in the buffer memory of the specific bank's secured database;
• and then, passing the specific transaction results back to the merchant's credit/debit card processing means;
• the criterion for approving the specific transaction is the comparison of the card PIN, data/information, transaction identification number, amounts, currency that the respective registered customer/user of the specific card had sent and authorized, including all relevant data/information sent or requested by the merchant's credit/debit card processing means and the exact amount requested by the merchant for the specific transaction along with the merchant Identification number, if needed;
• and then validating the specific transaction if all the data/information are perfectly matched;
• x. step J:
• storing the specific transaction results by the merchant's credit/debit card processing means and sending them to the merchant's point-of sale terminal, and completing the authorization process;
• xi. step K:
• sending from the customer's bank account processing database the appropriate amount of funds for the specific transaction to the merchant's credit/debit card processing means;
• xii. step L:
• sending the exact approved amount of funds to the merchant's bank account for deposit, after passing through the merchant's credit/debit card processing means, and completing the settlement process of the specific transaction;
• xiii. step M:
• reporting the processed and completed specific transaction to the respective registered customer's said device by the customer's bank account with its proper networking connections, and, including the exact approved amount of funds taken from said respective registered customer's user's specific bank account, and then saving the completed specific transaction details to the respective registered customer's said device's internal storage memory or respective registered CCIRAF/AITD's internal storage memory;
• (i) (FIG. 23) a specific sub-method for using a respective registered anti-fraud and anti-identity theft device with true personal identity verification application as a substitute for the use of specific chosen physical credit or debit bank card at a merchant's point-of-sale terminal, by utilizing a corresponding LCD-displayed virtual images that represent the respective chosen specific virtual bank card, with its respective specific electronically generated displayed respective specific barcode identification projected in said device's LCD-display window, said respective barcode identification representing the chosen specific virtual bank card, said specific virtual barcode identification being made readable by an upgraded or improved adjustable corresponding optical LCD barcode reader at the merchant's point-of-sale terminal;
• said specific sub-method also allowing the use of the selected projected virtual bank card and the respective specific virtual barcode to be used for checking the respective registered customer/user of said device in checking relevant specific account balance, transaction history, and activating funds transfers from one account to another, and, also allowing provisions for executing authorization or pre-authorization of purchase and/or bill payments;
• said specific sub-method comprising of steps:
• i. switching on the anti-fraud/anti-identity theft with true-personal identity verification application in said device;
• ii. entering the password and/or scanning for the biometrics data to activate said device;
• iii. if data is not validated:
• reporting fraudulent usage of said device or possible error entry of biometrics data, wherein repeating scanning again for the biometrics data is needed, and if still not validated, said device will not work;
• iv. if data is validated:
• displaying and scrolling all virtual bank cards accounts and virtual ID of authorized user;
• v. selecting the chosen bank virtual card and type of account to be used for specific transaction, including relevant barcodes displayed for scanning by merchant's appropriate barcode reader at point-of-sale terminal;
• vi. connecting to the customer's respective bank account database through customer's credit/debit card processing means;
• vii. choosing if balance is needed:
• reporting the balance of the specific account by correct processing means if account balance is requested;
• viii. choosing if transaction history is needed;
• ix. reporting the transaction/history of the specific account by correct processing means after processing the request displaying the transaction history in said device, if account transaction history is requested;
• x. displaying the account balance/history in said device;
• and then choosing if transfer of funds is desired;
• xi. selecting the amount and bank account where funds will be taken from and account where funds will be transferred into;
• xii. generating and displaying a transaction identification number in said device;
• xiii. sending the funds transfer request by said device to the correct processing means;
• xiv. validating if authentication and funds transfer request is correct;
• xv. if not validated as correct, end;
• xvi. if there is correct validation:
• processing the specific transaction and crediting the exact amount of funds into the relevant respective account or into the built-in NFC in said device, initiated by the correct processing means, and end;
• xvii. if the option to authorize a point-of-sale transaction or pre-authorize bill payment is chosen, then further comprising of the following steps;
• xviii. entering the amount and currency to be transacted, and optionally the access number of the merchant, if available and required;
• xix. generating and displaying the transaction identification number in the said device;
• connecting the respective registered customer's/owner's/user's specific credit/debit card bank account through the correct customer's credit/debit card processing means, with the specific transaction info;
• xx. validating if the authorization and authentication data is accurate;
• xxi. if not validated:
• alarming and recording into said device for possible fraudulent usage of the specific credit/debit card, and processing is halted and unable to process specific transaction;
• xxii. if validation of data/information on authorization or pre-authorization and authentication is accurate:
• checking by the specific bank for the availability of funds in the specific customer's bank account for the specific transaction;
• xxiii. if funds are available sufficiently in specific customer's specific bank account, then processing specific transaction by the specific customer's credit/debit processing means;
• xxiv. saving the specific transaction in the buffer memory of the specific customer's specific bank account;
• xxv. holding the specific exact amount of funds in for the specific transaction in the respective registered customer's bank account's buffer memory until legitimately claimed by the specific merchant through relevant processing means, then recording the consummated transaction in said device;
• xxvi. if funds are not sufficiently available in the specific customer's specific bank account, then alarming and recording of insufficiency of funds in specific bank account in said device, and processing further of specific transaction is halted until remedy is done to make specific bank account funds sufficiently available;
• (j) (FIG. 25) a specific sub-method for the legitimate processing of an authorized customer's or authorized user's Medicare or Medicaid and/or private medical/health insurance as can be correctly and rightfully claimed from the respective medical/health insurance companies by medical/health doctors and specialists, medical/health facilities, laboratories, pharmacies, medical clinics, hospitals, etc., and utilizing the interactive instant participation and response capabilities of the correct respective registered devices with the participation of the respective insured authorized customers or patients, so as to ascertain the validity and correctness of any and all relevant medical/health insurance claim or claims, in order to prevent the commitment of fraudulent medical/health insurance claim or claims;
• said specific sub-method comprising of steps:
• i. swiping a patient's medical/health insurance card having correct data/information embedded in said card's magnetic stripe, through the card swiping terminal of a relevant medical/health facility, laboratory, pharmacy, doctor's office, or entering the details of said card at said relevant medical/health facility, laboratory, pharmacy, doctor's office;
• ii. sending through the relevant medical organization the patient's insurance details along with the supporting data/information to the relevant insurance company or companies via the relevant medical/health insurance processing means for claiming the insurance payment;
• iii. forwarding the relevant medical/health insurance claim or claims details for any and all rendered relevant medical/health consultation, medical/health laboratory work, performed medical/health procedures or clinical laboratory tests, operations, medical/health services, diagnostics, surgeries, hospitalizations and/or any and all relevant medical-related equipment or equipments given to the specific insured patient who is the respective rightfully authorized owner of each relevant Medicare or Medicaid or other medical/health insurance card or cards, through submission of the specific relevant insurance claims via the relevant medical/health insurance processing means to the relevant Medicare or Medicaid or other relevant medical/health insurance agency or agencies or company or companies;
• iv. processing of the relevant insurance claim or claims by the relevant insurance company or companies, and contacting the respective insured patient's respective registered device for the respective insured patient or the respective responsible party to the respective insured patient to confirm the correctness or accuracy of the kind of medical/health consultation, tests, procedures, and frequency of the respective relevant medical/health items rendered or given to the respective registered insured patient as being claimed by the relevant medical/health facilities and supply entities, according to the dates and times, as made and claimed by the relevant medical/health facilities or facilities, through the use of respective customer's/patient's registered device, via or through the relevant secured medical/health insurance information processing means;
• v. swiping by the patient the medical insurance card into the respective said device or entering the required details of said card to correctly and reliably access the relevant medical insurance info and alerts received through the respective registered said device;
• vi. rejecting or confirming by the respective registered patient in response to the insurance company's request received from the respective registered said device within the specified time through relevant processing means for authentication or rejection of any and all relevant relayed or transmitted insurance claim or claims;
• vii. validating if the medical/health insurance claim or claims is or are authenticated as correct by the respective registered insured patient through the use of the respective registered said device;
• viii. if approved by the respective registered insured patient:
• relevant Medicare or Medicaid or any other medical/health insurance company or companies reporting the authenticity of the respective relevant claim or claims to the correct medical organization based on the respective registered said device's response, and then paying the claimed insurance money to the relevant respective medical/health facility or facilities;
• ix. if not approved by the respective registered insured patient as correct:
• rejecting by the respective Medicare or Medicaid or any other relevant insurance company or companies of the specific insurance claim or claims and reports to the respective correct medical organization and to the respective registered said device regarding the possible fraudulent claim or claims;
• (k) (FIG. 26) a sub-method for implementing safety and security in airports and aircrafts while accomplishing effective rapid confirmable secured true-personal identification of real passengers during airport and aircraft check-in, boarding, check-out, and coordinated with effective corresponding fast-lane accurate comprehensive flight ticketing, luggage check-in, airport gate entry, airport true passenger presence guarantee, luggage claim check-in and check-out by TSA-pre-approved passengers using correspondingly TSA-approved wireless registered instant-response anti-fraud and anti-identity theft device with true personal verification device or CCIRAF/AITD that is correctly linked to a corresponding TSA-registered passenger;
• said specific sub-method comprising of steps:
• i. registering together said device or CCIRAF/AITD and the authorized user of said device with the TSA, and providing all needed information requested by TSA for registration, as required;
• ii. confirming if said device and authorized user of said device are already TSA-registered together;
• iii. if said device and said authorized user of said are not yet registered:
• unable to use said device by said authorized user of said device for airport and aircraft security ticketing, check-in and aircraft boarding;
• iv. if yes:
• planning the air travel and purchasing the airline ticket or tickets online in the name of authorized user of said device, or purchasing personally the airline ticket or tickets from any other relevant travel agency or from airline ticket counter at airport;
• v. linking and downloading the purchased airline ticket or tickets, and the luggage barcodes, if required or desired, to the respective registered device of said authorized user of said device, at airline ticket counter through airline service provider and TSA databases every time said authorized registered user/passenger checks in at designated airport(s);
• vi. proceeding to security check-in and boarding gates of said registered authorized user/passenger using the respective registered said device;
• vii. waving of the NFC-enabled respective registered said device by the respective registered passenger/user at airport-based TSA's NFC reader, and the relevant coordinated TSA security inspection device automatically extracting the respective registered passenger's/user's data/information from TSA database to display on flat screen monitor, comparing the data/information from said respective registered said device and those data/information extracted from the TSA database regarding the respective registered passenger/user of the respective registered said device as previously linked during the registration process of the respective registered said device to said respective registered passenger/user of said device;
• viii. capturing instantly by the TSA security camera of the facial picture and the iris biometrics of the incoming respective registered passenger/user, then displaying and matching said facial picture and iris biometrics with the originally filed picture ID and iris scan extracted from the TSA database;
• ix. validating if TSA-extracted ID pictures and Iris biometrics of incoming respective registered passenger/user of the respective registered said device match with the data/information extracted from said device;
• x. if there is any mismatch of data/information:
• tagging incoming passenger/user of said device pertaining to mismatched pictures Ds and iris biometrics and he or she must undergo more elaborate special security screening;
• xi. confirming if the respective passenger/user of said device has passed the special security screening;
• xii. if there is any mismatch:
• reporting instantly of mismatch incident to TSA and airport & aircraft security, and if risky anomalies and data mismatch are found in the last moments, TSA and airport and aircraft will be alerted to enforce more strict cross-matching for fingerprint, palm-print, voice print, gait, signature investigation, as required, and interrogating of the specific tagged passenger/user ensues to stop potential security risks and prevent mishaps;
• xiii. if there is a validation of allowable match in facial pictures and captured iris biometrics between the newly extracted facial pictures and newly scanned iris biometrics of the respective incoming passenger/user with those respective passenger/user facial pictures and iris biometrics extracted from previously approved files at the TSA database;
• proceeding of incoming respective registered passenger/user of said device to further TSA security checks, if still necessary, in case there happens to be detected some recent up-to-the second instant emergency suspicious report of risky anomalies and data mismatch, then TSA and airport and aircraft will be alerted to enforce more stringent cross-matching of fingerprint, palm-print, voice print, gait, signature investigation and further interrogation ensues to stop potential security risks and prevent mishaps;
• until said passenger/user is finally approved to board the specific aircraft.

Multi-functional telecommunication devices, systems and methods dedicated for achieving effective instant-response anti-fraud and anti-identity theft activities with true-personal identity verifications, benefiting any and all registered authorized customers/users of said devices, systems and methods;

• said devices, systems and methods having secured operational interactivity capabilities, features and functionalities which are respectively and selectively capable of receiving, transmitting, recording, memory storing, retrieving, visually displaying and audibly perceiving any and all relevant data/information such as, but not limited to, in the form of text and vocal contents, communications, guidance, geographical directions, graphics, icons, messages, alerts, documents, photos, videos, images, instructions, illustrations, warnings, greetings advices and any other relevant items, affording secured protections for any and all registered authorized customers/users of said devices, systems and methods;
• said devices, comprising of various effective means such as:
• means for secured customer-controlled instant-response interactivity capabilities, features and functionalities for any and all point-of-sale secured credit/debit card and bank card purchase protections, means for instant-response anti-fraud and anti-identity-theft protections for online and telephonic orderings, means for secured authorized credit/debit card and bank card purchases, means for instant-response alarm, rejection, recording and evidentiary retrieval of any and all unauthorized accesses of specific bank accounts of any and all registered authorized customers/users of said devices and systems, means for accurate photographic anti-forgery electronic protections of bank cheque transactions, means for fraud protections on foreign purchases, means for secured wireless accesses, storage and retrieval of specific bank account balances, and funds transfers, means for pre-transmitting by any and all of the respective registered authorized customers/users of said devices and systems of any and all specific transaction amounts and other relevant data/information to the relevant respective specific respective bank account or accounts in the respective bank or credit/debit card company's database' buffer memory for accurate comparative matching with the relevant respective merchant's or business' claim of payment as per specific transaction or transactions with the respective authorized customer/user of said devices and systems, to determine whether to execute or not to execute a denial/rejection or acceptance of the relevant specific transaction with the exact amount of monetary value as claimed by the respective merchant or business, regarding the relevant specific transaction or transactions, means for wireless secured management and monitoring of available cash and expenses, means for monetary management and bill payment due date alerts and messaging to avoid being victimized by insufficiency of funds bank fee charges, means for creating, storing and displaying virtual credit/debit cards and bank cards and true-personal identity cards and membership cards, means for transaction activation, control, limitations and completion of transaction or transactions, means for instant alarming and messaging of denials or rejections of specific fraudulent transactions and the corresponding recordings of said fraudulent transactions, means for creating secured virtual barcodes representing each respective virtual bank card or virtual credit/debit cards and virtual true-personal identity verification cards and virtual membership cards and other virtual identification documents of each of the respective registered authorized customers/users of said devices and systems, means of generating and displaying any and all verifiable virtual images of relevant important documents, such as each respective customer's/user's individual driver's license, passport, visas, diplomas, birth certificate, social security card with the specific name and number, and other membership cards of the respective registered authorized customer/user of each respective registered said devices and systems, means for electronically freezing or deactivating any and all selected specific inactive bank accounts and/or credit/debit cards with corresponding electronic reactivation of the same specific inactive bank accounts and/or credit/debit cards according to the desired times and dates set by the respective registered authorized customer/user of said devices and systems, means for warning each respective registered authorized customer/user of any and all changes in bank policies, such as hikes or waivers on the respective specific bank accounts or credit/debit card accounts, means for instant alerting and messaging of specific dates and times and amounts of direct deposits, refunds, awards, monetary holds and credits made to the relevant respective specific bank accounts and/or credit/debit cards belonging to the respective registered authorized customer/user of each of the respective registered said devices and systems, means for activating, displaying and storing certain instant alarm and messaging to attain effective anti-device loss of paired distance-sensor-equipped compatible devices to prevent unwanted forgetting and losing said devices and other compatibly paired distance-sensor-equipped other devices, means for remote control deactivation and reactivation of paired compatible devices, means for memory erase and restoration of memory of any or some selected or all stored, received and transmitted and pre-transmitted and post-transmitted relevant data/information, means for secured cellular/satellite mobile applications, means for camera and video and voice recording, memory storage and play back, GPS means coordinated with any and all personal, business and professional transactions and other relevant activities during travel and stationary conditions, language translation means for travelers and for ease of transactions involving multi-lingual transactions, means for internet and/or communications and research and games applications, means for instant currency conversion and gratuity calculations, means for biometric scanning and biometrics data/information readings, means for personal identification number and password generation and protections, means for voice recognition for said devices' and systems' input and output, control and command, means for image recognition and instant item search means, secured means for wireless reception, transmission, control, storage and retrieval of relevant data/information, built-in swiping and magnetic stripe reading means for physical bank cards and debit/credit cards and medical/health insurance and other relevant magnetic-stripe-laden membership cards of each respective registered customer/user of said devices and systems, USB provision means, means for interactive LCD display and touch-screen data/information input, and output manipulations, and keypad data/information input and manipulation means, built-in microphone means and speaker means and output jack means, temporary memory access, storage and retrieval means, near-field communication NFC means, instant locator of hidden items means, 2D to 3D and 3D to 2D visual displays and conversion means, vehicle remote control means such as:
• means for remotely and wirelessly locking and unlocking doors, and means for wirelessly and remotely deactivating, and pre-reactivating and activating of the respective automobile ignition or heater or air-conditioning systems, means for secured mobile and stationary interactive protection and security for multi-level education, research and inventions advancements and enhancements activities, means for Medicare and Medicaid and private medical/health care insurance accuracy checking, authentication, authorization and validation for achieving effective instantaneous money-saving operations, with means for preventing, halting and minimizing fraudulent insurance claims, means for electronic stopping and minimizing school bullying, means for electronic instant-response safety and security alerts and warnings and guidance advisories for effective implementations pertaining to evacuation of civilians and other organizational personnel away from danger zones to safer places before, during and after harmful shootings, chemical and biological hazards and fires, or disasters or calamities such as before, during and after earthquakes, hurricanes, tornadoes, storms, floods, tsunamis, snows, blizzards and avalanches, and alerting and messaging means for electronic instant guidance and safety during military deployment, reporting, command and accurate instant-response military personnel identification to prevent and curtail the occurrence of friendly fire and instant encrypted warnings of enemy presence and locations and directions, and tactical movements, instant-response means for electronic law enforcement activities to achieve better and faster civilian rescue operations, means for instant-response electronic effective anti-terroristic security for airports and aircraft flights, and instant response true-personal identity verifications means for faster clearing and passage of true-airplane passengers and crews, means for electronic tagging, input, memory storage and retrieval and display of correct true-passenger flight tickets, air-travel travel routes and destinations with correct true-passenger boarding passes, and means for instant accurate electronic secured tagging and verifications to achieve accurate and provable true-passenger's luggage, electronic means for instant-image capture, storage, recall, and display for the instant locator means to display and/or announce where hidden documents and other important items can instantly be found with GPS and time-line dates and calendar tagging means, and means for timely reminder of important things to do;
• said systems comprising of said devices cooperating with any and all relevant stored value instruments such as physical or virtual credit or debit cards of specific banks or credit card companies, or cooperating with any and all other respective physical or virtual membership cards, rightfully belonging to the respective authorized customer/user of the respective registered said devices, so that, along with the respective registered said devices, capable of selectively interacting with the respective internal built-in systems and sub-systems and components and micro-processors and various installed software programs within the respective registered said devices, and said devices and the respective said stored value instruments being securely linked electronically to interactively, systematically and accurately coordinate with the respective relevant external systems, programs and devices of any and all respective relevant external sources such as service providers, banks, credit card companies, medical/health insurance agencies or companies, schools, law enforcement agencies, TSA, police departments, military agencies, motor vehicle departments, travel agencies, homeland security agencies or departments, immigration and naturalization department, medical facilities, mobile units, rescue operations agencies, public safety agencies, merchants, vendors and other business establishments, and any other relevant second or multi-parties, pertaining to the reception, transmission, communication, storage and retrieval, and as well as pertaining to response or responses to alert and messages and communications to any and all relevant data/information transmissions received from and transmitted to any and all of the relevant said external sources, and regarding to any and all pertinent respective relevant instant rejection of any and all transactional errors and events and also in response with capabilities of said systems to halting any and all activities of fraudulent party or parties or malwares and illegal and fraudulent programs and machines, in order to prevent, thwart and minimized the occurrence of fraud and identity theft and illegal privacy intrusions of thieves and other malevolent entities with relevant respective receptions, transmissions, alerts, messages and responding and transmitting respectively to the relevant external systems, components or devices and programs of the relevant said external sources including any and all relevant external processing systems, means and methods and respective relevant databases of any and all relevant said external sources, in order to halt, prevent and minimize the occurrence of fraud and identity theft that threaten to victimize any and all registered authorized customers/users of said anti-fraud and anti-identity theft devices with true personal-identity verification, and in order to coherently and effectively execute and complete any and all legitimate personal or business or professional transactions and communications using said registered devices;
• said methods for effective and coherent implementation to any and all customer-controlled instant-response anti-fraud and anti-identity theft devices and systems, equipped with true-personal identity verification applications, aimed to prevent and halt and curtail the commitment of transactional fraud, identity fraud, communication fraud, identity theft, bank account and credit card theft and fraud, illegal insurance claims fraud, school bullying, airport and airline mishaps, terroristic threats and activities, and erroneous transactional entries, in order to securely, immediately protect and safeguard each respective authorized registered user of each respective registered said devices;
• said methods providing for effective implementation to initiate, coordinate and consummate any and all wireless, wired or optically linked, Bluetooth or infrared-linked secured and accurate inter-linking reception, transmission, pre-transmission, memory storage and retrieval of any and all data/information contents and exchange between each respective authorized registered said user of each respective registered said devices, and any and all legitimate relevant specific bank or banks and/or credit card company or companies or any other relevant legitimate organization or organizations, agency or agencies, company or companies, department or departments, as officially, legally and accurately associated, linked and coordinated with each respective registered authorized user of each respective registered said devices and each respective registered said devices, utilizing said methods that utilize instant-alarm and instant-response functionalities, and providing also the relevant functional effective methods to enable each of the respective registered said devices to input, store, retrieve, visually display and audibly output whatever required and secured true-personal identity verification of each respective authorized registered said user through each of the respective registered said devices, and, moreover providing methods for verifying, validating and authenticating virtual personal, business or organizational documents, and biometrics of each respective authorized registered said user of each respective registered said devices, and, including further relevant methods to achieve instant and constant advisory precautions, safety and security guidance to each respective authorized registered user of each respective registered devices, during any and all forms or types of dangerous conditions or situations;
• said methods capable of coordinating effectively with any and all relevant processing means and systems, transmission means and systems, reception means and systems, value representation means and systems, audio-visual interactive means and systems, micro-processing means and systems, and both personal and machine readable means and systems;
• said methods comprising of:
• (a) initially registering a specific user of each respective specific device and concurrently initially registering also said respective specific device to said specific user to establish an accurate tie-in or link accurately and directly associating both the registered specific user to the respective registered specific device, and then associating both said respective registered user and the respective registered specific device, to any and all relevant selected specific bank or banks or credit card company or companies, or any other relevant specific organization or organizations, agency or agencies companies, department or departments or any other relevant second and third party or parties;
• (b) establishing certain secured transmission method or methods with any and all relevant effective compatible processing means, coordinating with any and all relevant networking means, database referral and storage means and data/information retrieval means between the specific registered user and the respective registered specific device with any and all relevant specific bank or banks or credit card company or companies or any other relevant organization or organizations, agency or agencies companies, department or departments or any other relevant second or third party or parties as associated or coordinated with said specific registered user of said respective registered specific device;
• (c) establishing certain instant-response interactive alerting or alarming and messaging method or methods with secured reception and transmission methods and means between said specific registered device and said specific registered user of said specific registered device, coordinating responsibly and accurately with the relevant respective specific bank or banks or credit card company or companies or any other relevant organization or organizations, agency or agencies companies, department or departments, or any and all other relevant second or third parties associated or coordinated with said specific registered user of said specific registered device;
• (d) processing accurately an ongoing transaction or group transactions, and also accurately processing and managing of future pre-set transactions, and also accurately processing past transactions when retrieved;
• (e) validating and authenticating of any and all relevant data/information contents and exchange;
• (f) confirming a validated and authenticated transaction, whether presently occurring or occurring in the future or having occurred in the past;
• (g) rejecting automatically by said respective registered specific device or by the respective registered user of said respective registered specific device using said respective registered specific device pertaining to any and all invalid transaction or transactions or event or events, data/information and transaction error entry or error entries, fraudulent transaction or transactions, fraudulent claim or claims, fraudulent event or events, and recording of said rejecting or rejection of any and all relevant invalid transaction or transactions or event or events, fraudulent transaction or transactions, fraudulent claim or claims or fraudulent event or events in said specific registered device' memory;
• (h) finalizing and completing any and all legitimate and authenticated and validated legitimate transaction or transactions or event or events;
• (i) storing any and all validated and authenticated transaction or transactions or event or events, and recording such said validated and authenticated legitimate transaction or transactions or event or events in said respective registered specific device's memory, as well as recording said validated and authenticated legitimate transaction or transactions or event or events in relevant databases of each relevant respective organization or organizations, institution or institutions, agency or agencies, department or departments and/or in the databases of any and all other relevant second and third party or parties which each respective registered user of each respective registered specific device is dealing with and has allowed access, transmission, messaging, alerting, inter-communications, recording, retrieval and display of any or all pertinent relevant secured data/information.