Importance

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Abstract

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 associated with an official seal or an organizational seal, wherein the limitation or restriction is transmitted to a receiver from a communication device associated with an individual account holder and automatically received by the receiver, and automatically stored in the memory device, and a processing device for processing an authorization request for a transaction or a use of the account, wherein the processing device utilizes the limitation or restriction automatically stored in the memory device in processing the authorization request, wherein the processing device generates a signal containing information for authorizing or disallowing the transaction or the use of the account.

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First Claim