Patent application number | Description | Published |
20080234878 | Control, monitoring and/or security apparatus and method
- A control apparatus and method, including a first control device, located at a vehicle or premises, capable of controlling one or more of a plurality of at least one of a respective system, equipment system, component, device, equipment, and appliance, of a respective vehicle or premises, with a first signal. The first control device generates and/or transmits the first signal in response to a second signal generated by and/or transmitted from a second control device located remote from the vehicle. The second signal is automatically received by the first control device. The second control device generates and/or transmits the second signal in response to a third signal generated by and/or transmitted from a third control device located remote from the vehicle and the second control device. The third signal is automatically received by the second control device. | 09-25-2008 |
20080243721 | Apparatus and method for providing financial information and/or investment information - An apparatus for providing financial or investment information, including a receiver which receives a request to provide a notification of a change in at least one factor and information regarding a correlation of the at least one factor with an investment vehicle or entity, a processor which automatically detects a change in at least one factor upon an occurrence of same, processes the request, and generates a message containing information regarding the change in the at least one factor along with information regarding a correlation of the at least one factor with the investment vehicle or entity, and a transmitter for transmitting the message over a communication network to a communication device associated with an individual. The apparatus automatically initiates a communication link with the communication device and the transmitter transmits the message to the communication device in real-time. | 10-02-2008 |
20080274802 | Apparatus and method for facilitating gaming activity and/or gambling activity - An apparatus, including a receiver which receives a bet message regarding a proposed bet for a gaming activity on or involving a gaming account, a processing device which processes information regarding the proposed bet and generates a notification message containing information regarding the use of the gaming account in connection with the proposed bet, and a transmitter which transmits the notification message to a first communication device associated with a user associated with the gaming account via the Internet or the World Wide Web before the proposed bet is placed. The apparatus receives a response to the notification message. The processing device determines whether the proposed bet is allowed or disallowed and allows or disallows the proposed bet. If the proposed bet is allowed, the apparatus places a bet, determines whether the bet is a winning or losing bet. | 11-06-2008 |
20080275820 | Apparatus and method for providing account security - An account security apparatus, including a memory device for storing a limitation or restriction on a use of at least one of a cable television account, an electrical utility account, a gas utility account, a fuel oil utility account, an insurance account, a subscription accounts for a good, product, or service, a health care insurance account, a pharmacy account, a social security account, and a credit report account, transmitted to a receiver from a communication device associated with an individual account holder, and a processing device for processing an authorization request for a transaction or a use of the account. The processing device utilizes the limitation or restriction automatically stored in the memory device in processing the authorization request and generates a signal containing information for authorizing or disallowing the transaction or the use of the account. | 11-06-2008 |
20090012908 | Apparatus and method for facilitating transactions - An apparatus and method for facilitating a transaction, including a memory device for storing information regarding at least one of a good, a product, and a service, and a processor for processing at least one of a request for information regarding the at least one of a good, a product, and a service, and at least one of a bid and an offer to purchase the at least one of a good, a product, and a service. The processor processes at least one of the request for information and the at least one of a bid and an offer in conjunction with information contained in the memory device, and further wherein the processor generates a transaction report, wherein the transaction report contains at least one of the requested information and a response to the at least one of a bid and an offer, and further wherein the response contains at least one of an acceptance and a rejection of the at least one of a bid and an offer. | 01-08-2009 |
20090018937 | Apparatus and method for providing transaction history information, account history information, and/or charge-back information - An apparatus and method for providing transaction history information, account history information, or charge-back information, including a memory device for storing at least one of transaction history information, account history information, charge-back information, stopping of payment information, non-payment due to insufficient funds information, and account information, for at least one account, a processor for processing information regarding a transaction on an account in conjunction with the information stored in the memory device, wherein the processor generates an information report containing at least one account history information, account payment information, account non-payment information, charge-back information, stopping of payment information, and non-payment due to insufficient funds information, and a transmitter for transmitting the information report to a communication device associated with at least one of a merchant, a vendor, and a provider. | 01-15-2009 |
20090083235 | Apparatus and method for providing job searching services, recruitment services and/or recruitment-related services - An apparatus, including a memory device which stores information regarding a job opening, position, assignment, contract, or project, and information regarding a job search request or inquiry, a processing device which processes the information regarding a job search request or inquiry upon a detection of a job posting by at least one employer or at least one hiring entity or a posting of new or revised data or information from at least one individual or a group of individuals, automatically detects the occurrence of the searching event, and generates a message containing the information regarding a job opening, position, assignment, contract, or project, in response to the job search request or inquiry, and a transmitter which transmits the message to a communication device associated with an individual. | 03-26-2009 |
20090146805 | Apparatus and method for providing shipment information - An apparatus, including a shipment conveyance device which is a shipping container, pallet, piece of luggage, or tote, a global positioning device, located in, on, or at, the shipment conveyance device, which determines a position or location of the shipment conveyance device, a processing device which processes information regarding the shipment conveyance device in response to an occurrence of an event or a request for information regarding the shipment conveyance device, and which generates a message containing information regarding the position or location of the shipment conveyance device and information regarding the occurrence of an event, a status of a shipment or a transportation of or involving the shipment conveyance device, a shipment or transportation temperature, or an impact or force on the shipment conveyance device, and a transmitter which transmits the message to a communication device associated with an individual or entity. | 06-11-2009 |
20090313049 | Apparatus and Method for Processing and/or Providing Healthcare Information and/or Healthcare-Related Information - An apparatus, including a processor which processes a request to access, obtain, change, alter, or modify, information contained in a provider's or payer's record or file, wherein the processor determines whether a requesting individual or entity is authorized to access, obtain, change, alter, or modify, information contained in the provider's or payer's record or file, wherein the processor either allows the accessing, obtaining, changing, altering, or modifying, of the information contained in the record or file, or the processor denies the accessing, obtaining, changing, altering, or modifying, of the information contained in the record or file, and further wherein the processor generates a notification report containing information regarding the allowance or the denial of the accessing, obtaining, changing, altering, or modifying, of the information contained in the record or file, and a transmitter, wherein the transmitter transmits the notification report to a communication device associated with the provider or payer. | 12-17-2009 |
20090319379 | Digital television broadcasting apparatus and method for providing information in a digital television and internet convergent environment - A digital television broadcast apparatus, including a database which stores a plurality of news stories or information received or obtained from any number of content providers, a memory device which stores information regarding a request by an individual to receive a personal news report, wherein the personal news report contains one or more news stories associated with a topic or subject specified by the individual, a processor which detects a posting of a news story or news stories in the database, determines if the news story or news stories are associated with the topic or subject specified by the individual, and if the news story or news stories are associated with the topic or subject specified by the individual, generates a personal news report containing the news story or news stories, and a transmitter which transmits the personal news story to a communication device associated with the individual. | 12-24-2009 |
20100042440 | Apparatus and method for processing and/or for providing healthcare information and/or healthcare-related information - An apparatus, including a memory device for storing a healthcare record or history for an individual which includes information provided by the individual or a healthcare provider, and information regarding a healthcare insurer or payer, a receiver for receiving information regarding the individual, containing information obtained from a device or equipment, or information regarding an examination finding, symptom, diagnosis, or prescribed treatment, transmitted from a first communication device to the receiver via, on, or over, the Internet and/or World Wide Web, a processing device which processes information for storing or updating the information regarding the individual in the healthcare record or history and which processes a request for information and generates a message in response to the request, and a transmitter for transmitting the message via, on, or over, Internet and/or World Wide Web to the first communication device or to a second communication device. | 02-18-2010 |
20100106619 | Apparatus and method for providing transaction history information, account history information, and/or charge-back information - A computer-implemented method, including receiving information regarding a transaction involving an individual and involving an account, wherein the information regarding the transaction is received by a receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction, processing the information regarding the transaction with a processing device, generating a report or a message in response to the processing of the information regarding the transaction, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the individual, and transmitting the report or the message to a communication device associated with a merchant, vendor, or provider, of a good, product, or service. | 04-29-2010 |
20100114602 | Apparatus and method for processing and/or for providing healthcare information and/or healthcare-related information - A computer-implemented method, including receiving information regarding an individual transmitted from a first device associated with a healthcare provider via the Internet or World Wide Web, which information contains information regarding a symptom, examination finding, diagnosis, treatment, administration of a treatment, or procedure, processing information for performing a diagnostic evaluation of the individual, processing information for determining a risk level or risk score for the individual, storing the information regarding the individual, the diagnostic evaluation, the risk level, or the risk score, or updating the healthcare record or history of, for, or associated with, the individual, generating an insurance claim automatically in response to the storing of the information regarding the individual, the diagnostic evaluation, the risk level, or the risk score, or the updating of the healthcare record or history, and transmitting the insurance claim to a second device associated with a healthcare insurer or payer. | 05-06-2010 |
20100138326 | Apparatus and method for providing transaction history information, account history information, and/or charge-back information - A computer-implemented method, including receiving information regarding an individual and information involving an account involved in a transaction, wherein the information regarding the individual is received by a receiver prior to a processing, a completion, a consummation, or a cancellation, of the transaction, processing the information regarding the individual with a processing device, generating a report or a message in response to the processing of the information regarding the individual, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the individual, and transmitting the report or the message to a communication device associated with a merchant, vendor, or provider, of a good, product, or service. | 06-03-2010 |
20100145737 | Transaction security apparatus and method - An apparatus, including an input device or receiver for inputting or receiving transaction information regarding a transaction on an account involving an individual, a camera for obtaining a photograph of the individual, wherein the apparatus stores the photograph as a digital photograph file, wherein the camera is located a same location as the input device or receiver or at a location remote therefrom, a processing device for processing the transaction information, wherein the processing device processes information regarding the transaction and generates a message containing information regarding the transaction and the digital photograph file, and a transmitter which transmits the message to a communication device associated with an individual account holder, wherein the message is transmitted to the communication device via, on, or over, the Internet, the World Wide Web, or a wireless communication network, independently of any processing of the transaction by a transaction authorization processing computer. | 06-10-2010 |
20100274723 | Apparatus and method for providing transaction history information, account history information, and/or charge-back information - A computer-implemented method, including processing, with a processing device, information regarding an account involved in a transaction involving an individual, wherein the information regarding the account is received by a receiver, and further wherein the information regarding the account is processed prior to a processing, a completion, a consummation, or a cancellation, of the transaction, generating, with the processing device, a report or a message in response to the processing of the information regarding the account, wherein the report or the message contains information regarding a charge-back regarding a previous transaction involving the account, and transmitting, with or from a transmitter, the report or the message to a communication device associated with a merchant, vendor, or provider, of a good, product, or service. | 10-28-2010 |
20110035240 | Transaction security apparatus and method - An apparatus, including an input device or receiver for inputting or receiving transaction information regarding a transaction which includes information pertinent to the transaction and information regarding a copy, image, photograph, or picture, of a document, form, draft, check, receipt, or other entity, offered, presented, submitted, processed, involved, or used, in the transaction, a processing device for processing the information pertinent to the transaction and which generates a notification message containing information regarding the transaction and the information regarding the copy, image, photograph, or picture, and a transmitter which transmits the notification message to a communication device associated with an account holder via, on, or over, the Internet, the World Wide Web, or a wireless communication network. The notification message is transmitted to the communication device independently of any processing of the transaction by a transaction authorization processing computer. | 02-10-2011 |
20110119094 | Apparatus and method for providing employee benefits and/or employee benefits information - A computer-implemented method including storing or processing information regarding a health, disability, or life, insurance benefit, included in an individual benefits account of or for an employee, wherein the benefit relationship is established pursuant to or during a first employment relationship between the employee and a first employer, storing or processing information for providing or maintaining the benefit provided to the employee pursuant to or during a second employment relationship between the employee and a second employer, receiving a request for information regarding the benefit, processing the request for information regarding the benefit with a processing device, generating a message in response to the processing of the request, and transmitting the message to a communication device associated with the employee, a benefit beneficiary, the second employer, and a benefit administrator. | 05-19-2011 |
20110125538 | Apparatus and method for selling a ticket to an event and/or to a portion of an event or venue - A computer-implemented method, including receiving and storing, with a first computer, information regarding an available ticket for a portion of an event prior to a start, completion, or conclusion, of the event or when an individual is leaving a venue of the event or leaving during the event, wherein the individual or another individual initiates or establishes a communication link with the first computer or a second computer using a first communication device, processing information regarding a ticket request or a ticket option request using the information regarding an available ticket, generating a ticket availability message or ticket option availability message, and transmitting the ticket availability message or ticket option availability message to a second communication device associated with a second individual before a completion or a conclusion of the event. | 05-26-2011 |
20110213625 | Apparatus and method for processing and/or for providing healthcare information and/or helathcare-related information - A computer-implemented method, including storing a healthcare record or a healthcare history of an individual in a database or a memory device, processing, with or using a processing device, information for allowing an individual to access a healthcare record or a healthcare history of the individual with a first computer or a first communication device; processing information for allowing the individual to access or obtain information, a link, or a hyperlink, to information regarding an employee benefit in which the individual is enrolled; processing information regarding an information request regarding the employee benefit or processing information for generating a claim or a request for, or pursuant to, the employee benefit; generating a message containing information responsive to the information request or responsive to the claim or the request; and transmitting the message to the first computer or to the first communication device. | 09-01-2011 |
20110231274 | Apparatus and method for providing and/or for fulfilling subscription services - An apparatus, including a receiver for receiving a request to receive or pick-up a good, service, or printed issue of a periodical, a newspaper, or a magazine, at a retail facility or store or at a location of a service provider, pursuant to a subscription, a processing device for processing information regarding the request, wherein the processing device determines whether the subscription is active or not active or determines whether any good, service, or issue or issues remain to be fulfilled pursuant to the subscription, and a transmitter for transmitting a message in response to the request, wherein the message contains an authorization or a denial of the request. The message is transmitted to a transaction device located at the retail facility or the store or at the location of the service provider. | 09-22-2011 |
20120030702 | Digital television broadcasting apparatus and method for providing information in a digital television and internet convergent environment - A digital television broadcast apparatus, including a database which stores a plurality of news stories or information received or obtained from any number of content providers, a memory device which stores information regarding a request by an individual to receive a personal news report, wherein the personal news report contains one or more news stories associated with a topic or subject specified by the individual, a processor which detects a posting of a news story or news stories in the database, determines if the news story or news stories are associated with the topic or subject specified by the individual, and if the news story or news stories are associated with the topic or subject specified by the individual, generates a personal news report containing the news story or news stories, and a transmitter which transmits the personal news story to a communication device associated with the individual. | 02-02-2012 |
20120133770 | Vehicle operator and/or occupant information apparatus and method - An apparatus and method for providing information to a vehicle operator or occupant, which includes a receiver, for receiving a request for information from a vehicle operator or occupant, a processing device, for processing the request for information, and a transmitter, for transmitting the requested information to the vehicle operator or occupant. The information includes video information regarding one of a traffic condition and a road condition. | 05-31-2012 |
20120284747 | Digital television broadcasting apparatus and method for providing information in a digital television and internet convergent environment - A computer-implemented method, including receiving a first message which is an information or news message transmitted from a communication device associated with a content provider, generating a second message which is an information or news alert message, transmitting the second message to a first user device, receiving a request for information regarding information or news contained in the second message or information regarding an activity or event associated with the information or news message, generating and transmitting, to the first user device or a second user device, a third message containing information responsive to the request for information, and transmitting video information or audio information obtained at the activity or event to the first user device or the second user device, or allowing the user to engage in a video conference or video chat with the content provider, a participant of the activity or event, or another individual. | 11-08-2012 |
20130066653 | Apparatus and method for linking a pacemaker or a defibrillator to an electronic healthcare record - A computer-implemented method, including accessing, with a communication device, a computer in which is stored a healthcare record, or a medical record, of, for, or regarding, an individual or a patient, accessing, with the communication device, the healthcare record or the medical record of, for, or regarding, the individual or the patient, accessing or linking to a pacemaker, a pacemaker monitor, a defibrillator, or a defibrillator monitor, of or associated with the individual or the patient, with or using the communication device, and performing, via, with, or using, the communication device, a control, a monitoring, a diagnostic, a programming, a re-programming, a repair, a calibration, a setting, or a re-setting, action, operation, or function, on, regarding, or relating to, the pacemaker, the pacemaker monitor, the defibrillator, or the defibrillator monitor. | 03-14-2013 |
20130332377 | Apparatus and method for providing and/or for processing information pertaining to and/or relating to principal/agent relationships and/or activities involving agents and third parties - A computer-implemented method, including receiving, with a receiver or a computer, a search request for information regarding an agent; processing, with the computer or with a second computer, the search request; generating, with the computer or with a second computer, a message in response to the search request, wherein the message contains information identifying at least one agent in response to the search request; and transmitting, from a transmitter, the first computer, or the second computer, the message to a communication device used by or associated with a user. | 12-12-2013 |
20130332384 | Apparatus and method for providing and/or for processing information pertaining to and/or relating to principal/agent relationships and/or activities involving agents and third parties - A computer-implemented method, including processing, with a processing device or a computer, information for allowing at least an agent of a principal and a third party to access an electronic forum, facilitating, with the processing device or the computer, within or via the electronic forum, a discussion, a communication, a correspondence, a negotiation, or other activity, involving the agent and the third party, recording and storing, in a memory device, a record of the discussion, the communication, the correspondence, the negotiation, or the other activity, involving the agent and the third party, and transmitting, with or from a transmitter, the processing device or the computer, the discussion, the record of the communication, the correspondence, the negotiation, or the other activity, involving the agent and the third party to a user communication device in response for a request for the record. | 12-12-2013 |
20140006064 | APPARATUS AND METHOD FOR PROVIDING AND/OR FOR PROCESSING INFORMATION PERTAINING TO AND/OR RELATING TO PRINCIPAL/AGENT RELATIONSHIPS AND/OR ACTIVITIES INVOLVING AGENTS AND THIRD PARTIES | 01-02-2014 |
20140067423 | APPARATUS AND METHOD FOR PROCESSING AND/OR PROVIDING HEALTHCARE INFORMATION AND/OR HEALTHCARE-RELATED INFORMATION WITH OR USING AN ELECTRONIC HEALTHCARE RECORD OR ELECTRONIC HEALTHCARE RECORDS - A computer-implemented method, including receiving and storing a note, comment, or message, transmitted from a first communication device used by an individual, a patient, or a caregiver for same, in an electronic health record, transmitting the note, comment, or message, to a second communication device used by a provider, receiving information regarding an examination finding, a diagnosis, a treatment, or a treatment plan, transmitted from the second communication device or a third communication device used by the provider, processing, with a computer, the information regarding an examination finding, diagnosis, treatment, or treatment plan, generating a report containing information regarding the examination finding, diagnosis, treatment, or treatment plan, storing the report in the electronic healthcare record, generating an insurance claim or request for payment, and transmitting the insurance claim or request for payment to a fourth communication device used by an insurer or a payer. | 03-06-2014 |
20140078275 | APPARATUS AND METHOD FOR PROVIDING A WIRELESS, PORTABLE, AND/OR HANDHELD, DEVICE WITH SAFETY FEATURES - An apparatus, including a processing device for controlling an operation of the apparatus, a camera for obtaining a view, a picture, or video, a collision avoidance sensor, for detecting an object, structure, or individual, and a display device for displaying the view, the picture, or the video obtained by the camera. The apparatus or processing device automatically detects a mode of operation of the apparatus, wherein the mode of operation is a texting operational mode, an e-mail operational mode, a game or gaming operational mode, a picture taking or video recording operational mode, or a videophone or speakerphone operational mode. The processing device activates the camera to obtain a view, a picture, or video in a direction of movement of the apparatus. The apparatus provides the view, picture or video obtained by the camera via the display device. | 03-20-2014 |
20140081667 | APPARATUS AND METHOD FOR PROCESSING AND/OR PROVIDING HEALTHCARE INFORMATION AND/OR HEALTHCARE-RELATED INFORMATION WITH OR USING AN ELECTRONIC HEALTHCARE RECORD OR ELECTRONIC HEALTHCARE RECORDS - A computer-implemented method, including storing, in an electronic healthcare record of an individual or patient, a note, comment, or message, provided by the individual, patient, or a caregiver, transmitting the note, comment, or message, to a device used by a provider, receiving information regarding the individual or patient from the provider, processing the information from the provider, generating a report containing information regarding provider information, an examination or procedure finding, a diagnosis, treatment, or treatment plan, or wellness, exercise, fitness, nutritional, diet, rehabilitation, or therapy, information, wherein the report contains information regarding, or a link or hyperlink to, the electronic healthcare record or data or information contained therein, or the note, comment, or message, and transmitting the report to a communication device used by the individual, the patient, the caregiver, the provider or a second provider, or an insurer or payer of the individual, the patient, or the caregiver. | 03-20-2014 |
20140085445 | APPARATUS AND METHOD FOR PROVIDING A WIRELESS, PORTABLE, AND/OR HANDHELD, DEVICE WITH SAFETY FEATURES - An apparatus, including a processing device, a camera for obtaining a view, a picture, or video, a display device for displaying information, the view, picture, or video obtained by the camera, and a global positioning system for determining a position or a location of the apparatus. The global positioning system determines a position or location of the apparatus. The apparatus identifies a municipal subdivision in which the apparatus is located, identifies a nearest police department, fire department, hospital, hotel, point of interest, or individual, generates a report containing information regarding the identified nearest police department, fire department, hospital, hotel, point of interest, or individual, located in the municipal subdivision, and contact information for the nearest police department, fire department, hospital, hotel, point of interest, or individual, and provides at least a portion of the information contained in the report via the display device. | 03-27-2014 |
20140128103 | Apparatus and method for providing information regarding the presence or location of members of a social network - A computer-implemented method, including processing information regarding a pinging request regarding a first user, storing information regarding a first location or position of a first cellular telephone in a vicinity of the first user, storing information regarding a second location or position of a second cellular telephone in a vicinity of a second user who is a friend, follower, member, or subscriber, of the first user, determining whether the second location or position is within a pre-determined or pre-set distance, range, or radius, of the first location or position, generating a notification message containing information regarding or identifying the second user and a cellular telephone number of the second cellular telephone or an e-mail address of the second user, and transmitting the notification message to the first cellular telephone. | 05-08-2014 |
20140237500 | APPARATUS AND METHOD FOR PROVIDING A USER CUSTOMIZED AND/OR PERSONAL TELEVISION AND/OR ENTERTAINMENT ACCOUNT - A computer-implemented method, including receiving, with a receiver, information regarding a selection of entertainment content available for receiving pursuant to a personal entertainment account, wherein the personal entertainment account provides entertainment content provided by a plurality of entertainment content providers, processing, with a processing device or with a computer, the information regarding the selection of entertainment content; and transmitting, with or from a transmitter or with or from a computer, entertainment content which is a subject of the selection of entertainment content, wherein the entertainment content is transmitted to a personal communication device associated with a user and associated with the personal entertainment account. | 08-21-2014 |
20140250196 | APPARATUS AND METHOD FOR PROVIDING AND/OR FOR PROCESSING INFORMATION REGARDING, RELATING TO, OR INVOLVING, DEFAMATORY, DEROGATORY, HARRASSING, BULLYING, OR OTHER NEGATIVE OR OFFENSIVE, COMMENTS, STATEMENTS, OR POSTINGS - A computer-implemented method, including storing, in a memory device, information regarding a search request relating to an individual; processing, with a processing device or with a computer, information regarding the search request; performing a search of the Internet or the World Wide Web using the search request; receiving search results obtained from search; generating a search report containing results obtained from the search, wherein the search report contains information regarding at least one comment, statement, or posting, which contains a defamatory, a derogatory, a harassing, a bullying, or other negative or offensive, comment, statement, or posting, about or regarding the individual; generating a notification message; and transmitting the notification message to a communication device associated with the individual. | 09-04-2014 |
20140354402 | CONTROL, MONITORING, AND/OR SECURITY, APPARATUS AND METHOD FOR PREMISES, VEHICLES, AND/OR ARTICLES - A computer-implemented method, including receiving, with a receiver or computer, information regarding a user and a personal control and monitoring account associated with the user, processing, with the computer, the information regarding the user and the personal control and monitoring account, wherein the personal control and monitoring account can be utilized to allow the user to perform a control, a monitoring, or a security, operation, action, or function for or regarding any number of premises, any number of vehicle, or any number of articles, determining, with the computer, whether or not the user is an authorized user, and allowing, with the computer, the user to access the personal control and monitoring account if the user is authorized or denying the user access to the personal control and monitoring account if the user is not authorized. | 12-04-2014 |
20140372306 | APPARATUS AND METHOD FOR PROVIDING TRANSACTION SECURITY AND/OR ACCOUNT SECURITY - A transaction security apparatus associated with an account holder, including a memory device for storing information regarding a first account of the account holder which is capable of being used in performing a transaction with a counterparty, an input device, data entry device, or receiver, for inputting, entering, or receiving, data or information regarding the counterparty and information regarding an amount of the transaction, wherein the information regarding the counterparty includes information regarding a second account of or associated with the counterparty, a processing device for processing information regarding the transaction using information regarding the first account, information regarding the second account, and the information regarding the amount of the transaction, and further wherein the processing device generates a message containing information for requesting an authorization for the transaction, and a transmitter, wherein the transmitter transmits the message to a transaction authorization processing computer. | 12-18-2014 |
20140372307 | APPARATUS AND METHOD FOR PROVIDING TRANSACTION SECURITY AND/OR ACCOUNT SECURITY - A transaction security apparatus, including a receiver for receiving a first message containing information regarding a transaction involving an account associated with an account holder and information regarding a counterparty in the transaction, wherein the first message contains information regarding the first account, the counterparty, and a transaction amount, and the first message is transmitted from a first communication device associated with the account holder to the receiver via a communication network, a processing device for processing the information contained in the first message, determining whether the transaction is authorized or allowed or not authorized or not allowed, and generating a second message containing information regarding whether the transaction is authorized or allowed or not authorized or not allowed, wherein the second message does not contain information regarding the first account, and a transmitter which transmits the second message to a second communication device associated with the counterparty. | 12-18-2014 |
20140372311 | APPARATUS AND METHOD FOR PROVIDING TRANSACTION SECURITY AND/OR ACCOUNT SECURITY - A transaction security apparatus, including a memory device for storing information regarding a first account of an account holder capable of being used in performing a transaction with a counterparty, an input or data entry device, or receiver, for inputting, entering, or receiving, data or information regarding the counterparty, an amount of the transaction, and for identifying or facilitating communication with, a counterparty communication device, wherein the information regarding the counterparty includes information regarding an account of the counterparty, a processing device for processing information regarding the transaction, wherein the processing device generates a first message containing information for requesting an authorization for the transaction, a transmitter, which transmits the first message to a transaction authorization processing computer, and a receiver which receives a second message transmitted from the transaction authorization processing computer. The second message contains information regarding whether the transaction is authorized or not authorized. | 12-18-2014 |
20140372312 | APPARATUS AND METHOD FOR PROVIDING TRANSACTION SECURITY AND/OR ACCOUNT SECURITY - An apparatus, including a receiver which receives a first message containing information regarding a transaction involving an account associated with an account holder and information regarding a counterparty involved in the transaction, wherein the first message contains information regarding the first account, the counterparty, and transaction amount, and is transmitted from a first communication device associated with the account holder to the receiver, a processing device or computer which processes the information contained in the first message, identifies or ascertains contact information for or regarding a second communication device associated with the counterparty, determines whether the transaction is authorized or allowed or not authorized or not allowed, and generates a second message containing information regarding whether the transaction is authorized, allowed, not authorized, or not allowed, and does not contain information regarding the first account, and a transmitter, which transmits the second message to the second communication device. | 12-18-2014 |
20150012417 | APPARATUS AND METHOD FOR PROVIDING TRANSACTION SECURITY AND/OR ACCOUNT SECURITY - A transaction security apparatus, including a memory device for storing information regarding an account of or associated with an account holder, an input device or a receiver for inputting or for receiving transaction information regarding a transaction between the account holder and a counterparty, wherein the transaction is an in-person transaction or a face-to-face transaction, and wherein the transaction information includes information regarding the counterparty, information regarding an amount of the transaction, and information for accessing a communication device associated with the counterparty, a processing device, wherein the processing device processes the transaction information and generates a message containing information regarding the account, and further wherein the apparatus establishes a communication link with the communication device, and a transmitter, wherein the transmitter transmits the message to the communication device on, over, or via the communication link. | 01-08-2015 |
20150032572 | APPARATUS AND METHOD FOR FACILITATING ON-LINE TRANSACTIONS AND/OR ELECTRONIC COMMERCE TRANSACTIONS - A computer-implemented method, including receiving, with a receiver, a processing device, or a computer, a request from a user for information regarding a selected merchandise group regarding any type or kind of good, product, or item of merchandise, offered for sale by a merchant in a brick and mortar store of the merchant, processing information regarding the request with or using the processing device or the computer, and transmitting, from a transmitter, the processing device, or the computer, a merchandise group shopping page to a communication device used by the user in response to the request. The merchandise group shopping page contains at least one photograph, at least one picture, at least one video, or at least one video image, of the merchant's brick and mortar store offering, assortment, or arrangement, of goods, products, or items of merchandise, in the selected merchandise group. | 01-29-2015 |