Placing a cryptogram on the magnetic stripe of a personal transaction card
First Claim
Patent Images
1. A method comprising:
- calculating a cryptogram based upon security information; and
writing the cryptogram on a magnetic stripe of a personal transaction card after a user takes possession of the card.
1 Assignment
0 Petitions
Accused Products
Abstract
A cryptogram is placed on a magnetic stripe of a personal transaction card after a user takes possession of the card. A device calculates a cryptogram based upon security information. A writer, coupled to the device, writes the cryptogram on the magnetic stripe of the personal transaction card to enhance security of the card.
42 Citations
58 Claims
-
1. A method comprising:
-
calculating a cryptogram based upon security information; and
writing the cryptogram on a magnetic stripe of a personal transaction card after a user takes possession of the card. - View Dependent Claims (2, 3, 4, 5, 6, 7)
-
-
8. A method comprising:
-
reading security information from a magnetic stripe of a personal transaction card when the card is swiped through a device;
calculating a cryptogram using the security information;
writing the cryptogram to the magnetic stripe of the card with the device after a user takes possession of the card; and
authorizing a purchase upon verification of the cryptogram by an independent cryptogram verification source upon reading of the card at a transaction terminal. - View Dependent Claims (9, 10, 11, 12, 13, 14, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43)
-
-
15. An apparatus comprising:
-
a device to calculate a cryptogram based upon a security information; and
a writer, coupled to the device, to write the cryptogram on a magnetic stripe of a personal transaction card after a user takes possession of the card.
-
-
44. An apparatus comprising:
-
a device to calculate a cryptogram based upon a security information, the device further having a device identifier that provides no apparent identification of a user authorized to use the device;
a writer, coupled to the device, to write the cryptogram on a magnetic stripe of a personal transaction card after a user takes possession of the card;
a communication logic coupled to the device configured to communicate the device identifier and the cryptogram to a system to perform a transaction, the system comprising a secure mechanism for correlating the cryptogram, device identifier and the user; and
a security logic coupled to the device configured to allow an authorized user to use the device to perform a transaction based upon verification of the cryptogram by the system. - View Dependent Claims (45, 46, 47, 48, 49, 50)
-
-
51. An apparatus comprising:
-
a computing means for calculating a cryptogram from security information;
a writing means coupled to the computing means for writing the cryptogram to a magnetic stripe of a personal transaction card after a user takes possession of the card; and
a verifying means coupled to the computing means for verifying the cryptogram at a time of a transaction. - View Dependent Claims (52, 53)
-
-
54. A machine-readable medium having stored thereon a plurality of instructions, which if executed by a machine, cause the machine to perform a method comprising:
-
calculating a cryptogram based upon security information; and
writing the cryptogram on a magnetic stripe of a personal transaction card after a user takes possession of the card. - View Dependent Claims (55, 56, 57, 58)
-
Specification