Transaction card system having security against unauthorized usage
First Claim
Patent Images
1. A transaction card system, said system comprising:
- a memory configured to store account information regarding at least one transaction card;
an output circuit configured to generate a readable identifier corresponding to a transaction card stored in said memory;
a user input device configured to select a transaction card stored in said memory; and
a processor operatively coupled to said memory, output circuit and user input device, wherein said output circuit generates a readable identifier responsive to input received from said user input device.
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Abstract
A system having a host having information regarding at least one transaction card account. The host functions to transfer card data to a drone card carried within the host. The host includes a biometric sensor or other suitable identification means for authentication of the user prior to use of the drone card. Once the user is authenticated, the drone card provides a readable identifier that corresponds to a transaction card account selected by the user. The functions of host could alternatively be integrated into the drone card.
166 Citations
55 Claims
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1. A transaction card system, said system comprising:
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a memory configured to store account information regarding at least one transaction card;
an output circuit configured to generate a readable identifier corresponding to a transaction card stored in said memory;
a user input device configured to select a transaction card stored in said memory; and
a processor operatively coupled to said memory, output circuit and user input device, wherein said output circuit generates a readable identifier responsive to input received from said user input device. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20)
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21. A transaction card system, said system comprising:
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a drone card having a drone memory, a drone interface and an output circuit configured to generate a readable identifier corresponding to account information stored in said drone memory;
a host having a slot for receiving said drone card, said host having;
a host memory configured to store account information for at least one transaction card, a host interface configured to communicate with said drone interface to transfer account information to said drone card, a biometric sensor;
a processor operatively connected to said host memory, said host interface and said biometric sensor, wherein said host transfers account information to said drone memory when a user has been verified via said biometric sensor. - View Dependent Claims (22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48)
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49. A transaction card system, said system comprising:
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a drone card having a drone memory, a drone interface and means for generating a readable identifier corresponding to account information stored in said drone memory;
means for storing account information corresponding to at least one transaction card;
means for restricting access to said account information based upon biometric data; and
means operatively connected to said drone interface for transferring account information for a transaction card selected by a user to said drone memory.
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50. A method for enrolling a transaction card system, said method comprising the steps of:
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(a) sending a drone card and disabled host to a user;
(b) receiving a communication from said user;
(c) requiring said user to answer at least one security question; and
(d) upon satisfactory completion of step (c), providing said user with a security code which will enable said host. - View Dependent Claims (51, 52, 53, 54, 55)
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Specification