Patent ID: 8479981

Claim:
A method, comprising: using a computer for effecting a transaction on a computer system, by first requiring a user to enter information on the computer system for the transaction at a first time; using the computer to read from a memory on a credit card device that is separate from the computer, data including at least multiple of a first set of data to access a bank account, a second set of data to access a credit card account, a third set of data representing an identification of a holder of the credit card account, and a fourth set of data to access account services; using the computer for performing a first authentication process on said data, and completing said transaction if said step of performing a first authentication process meets a required condition, and otherwise preventing completing said transaction; using said computer operating for accessing a location tracking device on said credit card device, and obtaining data from said accessing that automatically determines a location of said credit card device; and carrying out said transaction using an automatically-determined location as part of the transaction based on said data obtained from said accessing, wherein said location is used to determine a security of the transaction.