Fraud resistant credit card using encryption, encrypted cards on computing devices

• US 20010034717A1
• Filed: 01/17/2001
• Published: 10/25/2001
• Est. Priority Date: 02/15/2000
• Status: Abandoned Application

• Current Assignee: Brian L. Whitworth
• Original Assignee: Brian L. Whitworth
• Inventors: Whitworth, Brian L.
• Application Number:
  US09/764,369
• Publication Number:
  US 20010034717A1
• Time in Patent Office: Days
• US Class Current: 705/64
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/3415 Cards acting autonomously as pay-media
• CPC Class Codes: G06Q 20/3572 Multiple accounts on card
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/40975 using encryption therefor
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1025 Identification of user by a PIN code

Abstract

Methods of providing fraud-resistant credit cards, debit cards, ATM cards, identification, and access control on a variety of devices are provided. Various devices and combinations of devices can be used for a single card or account. Multiple cards or accounts, potentially with differing security arrangements, can be embodied on the same device. Variable account numbers and encryption algorithms compatible with current point of sale systems are disclosed. Methods of displaying information in forms readable by humans and machines are also disclosed, as well as methods for providing machine-readable information on smaller displays.

Claims

1. Software for use in financial transactions, comprising:

a computer-executable program embodied on a cellular or mobile telephone, the computer-executable program being programmed to;

(a) produce variable account numbers, and

(b) cause the cellular or mobile telephone to display account information in barcode form.

2. The software for use in financial transactions of

claim 1

, wherein:

the barcode is a two-dimensional barcode.

9. The portable device of

claim 2

, wherein:

the software requires activation by a user of the portable device or by a financial institution.

3. A portable device suitable for use in access control, identification, or financial transactions, with a self contained means for providing serial number of transaction code or time code comprising:

(a) a self-contained means for calculating said serial number of transactions or time code,

(b) a self-contained means for calculating an encrypted value in consideration of said serial number of transactions or time code, and

(c) a mechanism capable of displaying said encrypted value as one or more barcodes.

4. The portable device of

claim 3

, further comprising:

software programmed to enable the self contained display to display information which may change from one use of a card to the next.

5. The portable device of

claim 4

, wherein:

the software is upgradeable without having to replace the portable device.

6. The portable device of

claim 4

, wherein:

the software is capable of embodying multiple cards on the same portable device.

7. The portable device of

claim 6

, wherein:

the multiple cards have different security features.

8. The portable device of

claim 3

, wherein:

the self-contained display is configured to display a two-dimensional barcode.

10. The portable device of

claim 3

, wherein:

the portable device is capable of embodying multiple cards on the same portable device.

11. The portable device of

claim 3

, wherein:

the portable device is configured such that a plurality of the portable devices are capable of embodying a common card or account on the plurality of portable devices simultaneously.

12. The portable device of

claim 3

, wherein:

the portable device is configured to also be usable with a plastic card on a common account.

13. The portable device of

claim 3

, further comprising:

means for changing the appearance of the portable device to make an appearance of the portable device distinct from other devices of a similar model, wherein a change of the appearance relates to one or more cards embodied on the portable device.

14. The portable device of

claim 3

, wherein:

the portable device is a cellular or mobile telephone.

15. The portable device of

claim 3

, wherein:

the portable device is a personal digital assistant.

16. The portable device of

claim 3

, wherein:

the portable device is a laptop computer.

17. The portable device of

claim 3

, wherein:

the portable device is configured with encryption capabilities which are used by software to implement one or more encrypted cards.

18. A method for providing the portable device of

claim 3

which is generally available for a fee to non-cardholders, comprising the step of:

providing one or more of the portable devices to cardholders for a price lower than the fee.

19. A method for providing the portable device of

claim 3

which is generally available for a fee to non-cardholders, comprising the step of:

providing one or more of the portable devices to cardholders for free.

20. The portable device of

claim 3

, wherein:

the portable device is configured to be used in transactions occurring in person, via phone, or via the internet.

21. The portable device of

claim 3

, wherein:

the portable device is configured to be activated using an encryption key.

22. The portable device of

claim 3

, wherein:

the portable device is configured such that at least one account on the portable device can be activated using an encryption key.

23. The portable device of

claim 3

, wherein:

the portable device is configured such that at least one account on the portable device can be deactivated by deactivating an encryption key.

24. The portable device of

claim 3

, wherein:

the portable device is configured such that at least one account on the portable device can be deactivated remotely.

25. The portable device of

claim 3

, wherein:

the portable device is configured such that it can be deactivated remotely.

26. The portable device of

claim 3

, wherein:

the portable device is configured for use in combination with another device which can access at least one of account in common with said device.

27. The portable device of

claim 3

, wherein:

said portable device has a self contained means for displaying said encrypted value.

28. The portable device of

claim 3

, wherein:

the portable device is used for access control, or identification, but not for financial transactions.

29. The portable device of

claim 3

, furthermore comprising:

a mechanism for receiving prompts for potential access control, identification, or financial transactions from other software.

30. A program or programs suitable for use on a computer or other device for accessing the internet wherein said program or programs include:

(a) a method for accessing user or account information;

(b) a method for obtaining an account number which may vary from one transaction to the next;

(c) a method for displaying or transmitting said user or account information and/or account number; and

(d) a capability to generate nonvarying user or account information for transactions selected from the group consisting of deposits and merchant-specific account numbers.

31. The program or programs of

claim 30

, wherein:

the account number which may vary from one transaction to the next is obtained in consideration of a time code.

32. The program or programs of

claim 30

, wherein the program further includes:

a method for controlling access to the program on a user'"'"'s computer.

33. The program or programs of

claim 32

, wherein:

the method for controlling access is a PIN number.

34. The program or programs of

claim 32

, wherein:

the method for controlling access is a password.

35. The program or programs of

claim 32

, wherein:

the method for controlling access is a physical key.

36. The program or programs of

claim 32

, wherein:

the method for controlling access is one or more questions asked of the user.

37. The program or programs of

claim 32

, wherein:

the method for controlling access allows access only at particular times.

38. The program or programs of

claim 32

, wherein:

transactions include accepting deposits.

39. The program or programs of

claim 32

, wherein:

the program or programs run on a desktop computer.

40. The program or programs of

claim 30

, wherein:

the account number which may vary from one transaction to the next is provided by the authorization center.

41. Software for producing variable account numbers, comprising:

a computer-executable program for a device, the computer-executable program being programmed to communicate data relating to transactions to other software on the same device and to generate variable account numbers wherein;

(a) account numbers used for a given cardholder or account may vary from one transaction to the next,

(b) validity of the account numbers can be confirmed by an authorization center,

(c) the account numbers contain the same number of characters as at least one nonvarying account number used by the same authorization system, and

(d) account numbers may be displayed in barcode form.

42. The software of

claim 41

, wherein:

a portion of the variable account number does not change from one transaction to the next.

43. The software of

claim 41

, wherein:

the variable account number is displayed using one or more two-dimensional barcodes.

44. The software of

claim 41

, wherein:

the other software is expense account software.

45. The software of

claim 41

, wherein:

the other software is accounting software.

46. The software of

claim 41

, wherein:

the other software is spreadsheet software.

47. A method for performing transactions using a deposit-only account number which does not vary from one transaction to the next for an account which uses variable account numbers for payments, the method comprising the steps of:

(a) instructing software to create a deposit-only account number,

(b) producing an account number which is only usable for deposits to a particular account.

48. The deposit-only account number of

claim 47

, wherein:

the deposit-only account number identifies an account without providing information needed to make payments from the account.

49. A system suitable for use in access control, identification, or financial transactions wherein:

(a) a cardholder causes a device to produce cardholder information which may vary from one transaction to the next,

(b) information is transferred or transmitted to one or more authorization centers in consideration of information displayed on said device in barcode form, and

(c) one or more authorization centers determine whether to complete a transaction in consideration of said information.

50. The system of

claim 49

, wherein:

the information which varies from one transaction to the next includes a variable account number.

51. The system of

claim 50

, wherein:

the one or more variable account numbers may be calculated in advance by an authorization center

52. The system of

claim 49

, wherein:

the system is embodied on a device selected from the group consisting of cellular phones, mobile phones, palm units, personal digital assistants and laptop computers.

53. The system of

claim 52

, wherein:

the system embodied on said device can complete a transaction via data on the display of said device without data transmission via cellular or mobile service.

54. The process of prompting a financial transaction on a portable device, wherein:

the portable device is capable of completing a financial transaction using account numbers which may vary from one transaction to the next.

55. The process of prompting a financial transaction of

claim 54

, wherein:

the prompting is performed via phone call, page or email

56. The process of prompting a financial transaction of

claim 54

, wherein:

the prompting may be caused solely by software on said portable device.

57. The process of prompting a financial transaction of

claim 54

, wherein:

the prompting may be caused by encrypted card software.

58. The process of prompting of a financial transaction of

claim 54

, furthermore comprised of:

communicating data relating to at least one prompted transaction to other software on the same device.

59. An encrypted card, comprising:

(a) one or more computing devices capable of performing encryption,

(b) user identification or account information, and

(c) at least one means for displaying or transmitting variable account numbers, wherein;

at least one of said means for displaying or transmitting variable account numbers is a barcode.

60. The encrypted card of

claim 59

, wherein said card is capable of displaying electronically:

(a) text,

(b) one or more images which may vary from one cardholder to the next.

61. The encrypted card of

claim 60

, wherein:

one or more images includes one or more images of a cardholder

62. The encrypted card of

claim 60

, wherein:

one or more images includes one or more images of two-dimensional barcodes.

63. The encrypted card of

claim 60

, wherein:

one or more images includes one or more images relating to a signature.

64. The encrypted card of

claim 59

, wherein:

the encrypted card is capable of person to person payment.

65. The encrypted card of

claim 59

, wherein:

variable account number contains the same number of characters as at least one nonvarying account number used by the same authorization system.

66. The encrypted card of

claim 59

, wherein:

required software is downloaded for free.

67. The encrypted card of

claim 59

, wherein:

the card uses encryption technology embodied in the hardware of a portable computing device to perform encryption.

68. The encrypted card of

claim 60

, wherein:

the card can compress information which is originally numeric into fewer characters when displayed as a bar code.

69. The encrypted card of

claim 59

, further comprising:

an encryption key to activate at least one account.

70. The encrypted card of

claim 59

, wherein:

the card is capable of displaying a variable purely numeric account number using a barcode, and

said barcode is capable of displaying nonnumeric characters.

71. Using the barcode capable of displaying nonnumeric characters of

claim 70

, wherein:

a barcode can be displayed on a lower resolution device than a numeric barcode.

72. Using the barcode capable of displaying nonnumeric characters of

claim 70

, wherein:

the barcode capable of displaying nonnumeric characters can display more information on the same device than a numeric barcode.

73. Using the barcode capable of displaying nonnumeric characters of

claim 70

, wherein:

the barcode is a two-dimensional barcode.

74. The encrypted card of

claim 59

, further comprising:

software capable of running said encrypted card, wherein said software is installed on said computing device before sale.

75. The encrypted card of

claim 59

, further comprising:

software capable of running said encrypted card, wherein said software is installed by the user.

76. The encrypted card of

claim 59

, further comprising:

software capable of running said encrypted card, wherein said software is installed by an entity issuing one or more encrypted cards.

77. The encrypted card of

claim 59

, further comprising:

software capable of running said encrypted card, wherein said software is installed using an add-on device.

78. The encrypted card of

claim 59

, further comprising:

the capability to use a deposit-only account number which is constant from one deposit to the next.

79. A method for performing transactions using a merchant-specific account number which does not vary from one transaction to the next, comprising the steps of:

(a) instructing software to create a merchant-specific account number, and

(b) producing an account number which is only usable for transactions with a particular merchant for a particular cardholder

80. The method for performing transactions using a merchant-specific account number of

claim 79

, wherein:

the account number has limitations on its use selected from the group consisting of amount of transaction, maximum amount of a single transaction, maximum total amount of transactions, date of transaction or transactions, and time of transaction or transactions.

81. The method for performing transactions using a merchant-specific account number of

claim 79

, wherein:

the merchant-specific account number is used for transactions on an account which also uses variable account numbers.

82. Displaying a barcode relating to one or more financial transactions on a portable device selected from the group consisting of a cellular phone, a mobile phone, a palm device, or a personal digital assistant.

83. The display of a barcode of

claim 82

, wherein:

the barcode is a two-dimensional barcode.