1
Raymond Anthony Joao, Robert Richard Bock: Transaction security apparatus and method. Raymond A Joao, May 11, 1999: US05903830 (386 worldwide citation)

A transaction security apparatus which comprises a receiver for receiving one of a limitation and a restriction on an account usage, wherein the one of a limitation and a restriction on an account usage are received in real-time from an individual account holder, a memory for storing the one of a li ...


2
Raymond Anthony Joao, Robert Richard Bock: Transaction security apparatus and method. Raymond A Joao, March 2, 1999: US05878337 (350 worldwide citation)

A transaction security apparatus which comprises a transaction device, wherein the transaction device one of generates and transmits a first signal in response to a transaction, and a communication device associated with an individual account. The communication device receives the first signal. The ...


3
Raymond Anthony Joao, Robert Richard Bock: Transaction security apparatus and method. Raymond A Joao Esq, March 4, 2003: US06529725 (169 worldwide citation)

A transaction security apparatus and method including an input device for inputting transaction data, a processing device for processing the transaction data and for generating a first signal corresponding to the transaction, and a transmitter for transmitting the first signal over a communication n ...


4
Raymond Anthony Joao, Robert Richard Bock: Transaction security apparatus. Raymond A Joao Esq, August 22, 2006: US07096003 (165 worldwide citation)

An apparatus including a memory device for storing a limitation or restriction on an account use received via the Internet and/or World Wide Web and a processing device for determining whether a transaction on the account or a use of a wireless or cellular communication device is authorized, allowed ...


5
Raymond Anthony Joao, Robert Richard Bock: Apparatus and method for providing account security. Raymond A Joao, April 4, 2000: US06047270 (127 worldwide citation)

An apparatus and method for providing account security which includes a receiver for receiving one of a limitation and a restriction on usage of an electronic money account, wherein the one of a limitation and a restriction are received from an account holder, a memory device for storing the one of ...


6
Raymond Anthony Joao, Robert Richard Bock: Apparatus and method for providing account security. Raymond A Joao Esq, September 23, 2004: US20040185830-A1

An account security apparatus and method, including a memory device for storing a limitation or restriction on a use of at least one of an account for a calling card, cable television, utility, insurance, subscription, pharmacy, social security, Internet, credit report, and access, or an account ass ...


7
Raymond Anthony Joao, Robert Richard Bock: Apparatus and method for providing account security. Raymond A Joao Esq, November 6, 2008: US20080275820-A1

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 ...


8
Raymond Anthony Joao, Robert Richard Bock: Transaction security apparatus and method. Raymond A Joao Esq, February 28, 2002: US20020025797-A1

A transaction authorization, notification and/or security apparatus, which comprises a device for issuing an authorization request for a transaction, a device for processing the authorization request and for transmitting a first one of a signal, data and information in response to the authorization ...


9
Raymond Anthony Joao, Robert Richard Bock, Michael Robert Fox: Financial transaction and/or wireless communication device authorization, notification and/or security apparatus and method. Raymond A Joao Esq, December 13, 2001: US20010051920-A1

An apparatus and method for collecting account transaction information, including a receiver for receiving account transaction information, wherein the account transaction information contains information regarding the transaction and at least one of the identity of and contact information for the a ...


10
Raymond Anthony Joao, Robert Richard Bock: Apparatus and method for providing security for electronic signatures. Raymond A Joao Esq, March 28, 2002: US20020038424-A1

An apparatus and method for providing security for electronic signatures, including a processor, for processing information corresponding to at least one of a transaction, an agreement, and a contract, involving at least one of an electronic signature, an electronic initial, an electronic identifica ...



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