Contingency network access for accounts or information

• US 20040158526A1
• Filed: 03/05/2004
• Published: 08/12/2004
• Est. Priority Date: 02/06/2003
• Status: Abandoned Application

• Current Assignee: Vrbia Incorporated
• Original Assignee: Vrbia Incorporated
• Inventors: Dort, David Bogart
• Application Number:
  US10/794,748
• Publication Number:
  US 20040158526A1
• Time in Patent Office: Days
• US Class Current: 705/44
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• 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
• CPC Class Codes: G07F 7/1083 Counting of PIN attempts

Abstract

The invention teaches an improved security system for accounts or information accessed over a local or wide area network, where the account holder is provided with an alternate security code, usually related to a PIN. During an assault, kidnapping, intimidation or other adverse event, the alternate security or access code/identifier can be placed into the system without the detection of a third party, implementing a contingency scenario and an alternate transaction or access to take place. The contingency instruction protect the assets or information available over the network and executing instructions to protect the account holder by and/or deception of a third party observer.

Claims

1. A contingency security code system including:

an entry point device, said entry device coupled to one or more networks and for gaining access to an account through said one or more networks, said entry point device requiring a first security code for said access;

contingency recognition logic coupled with said one or more networks, wherein said contingency recognition logic will activate if a second security code is entered into said entry point device;

contingency implementation logic coupled with said one or more networks, wherein said contingency implementation logic executes a set of instructions;

wherein said first and second security codes are distinguished from each other.

2. A system for banking over a network which includes a set of automatic teller machines (ATMs) coupled with a communication system that allow said set of ATMs to access at least one bank account, wherein said at least one account may be accessed by inserting an access card into one of said set of ATMs and providing a personal identification number (PIN),

wherein the improvement includes placing a device coupled to said network which recognizes an alternate PIN entered into one of said set of ATMs and intervenes to provide instructions on said network for providing an alternate withdrawal limit that can be to said at least one bank account when said alternate PIN is entered.

3. The system as recited in claim 2, further comprised of providing instructions to an ATM of said set of ATMs to print an account balance that includes a fictitious balance.

4. The system as recited in claim 3, wherein said fictitious balance is lower than the actual balance of said at least one bank account.

5. The system as recited in claim 3, where said fictitious balance is higher than the actual balance of said at least one bank account.

6. The system as recited in claim 2 further providing instructions to print a fictitious account number.

7. The system as recited in claim 2, wherein said account holder can change said instructions.

8. The system as recited in claim 7, where said changing is conducted over the Internet via a personal computer.

9. A method for protecting valuable assets or information accessible over a network by at least a security code and an identification codes, including the acts of:

mapping said security and identification codes to at least one diversionary identification code;

storing said mapping on an intercept system, said intercept system connected to said network and including data storage and a computer system;

when said diversionary identification code is entered into an access device, said diversionary identification code instructs said access device to route the access transaction to said intercept system;

when said access transaction is routed to said intercept system, said intercept system compares at least one diversionary identification code said mapping;

wherein if said mapping indicates that said transaction proceed normally, said intercept system routes said access transaction such that said access transaction proceeds normally;

wherein if said mapping indicates that said access transaction meets a contingency criteria, said access transaction will be processed by said intercept system according to a set of contingency instructions.

10. The process for protecting valuable assets or information as recited in claim 9, wherein one or more of said security and identification codes with said diversionary identification code.

11. The process for protecting valuable assets or information as recited in claim 9, wherein said identification code corresponds to the information included in a magnetic stripe on a card, said card for use in automatic teller machines for accessing one or more bank accounts.

12. The process for protecting valuable assets or information as recited in claim 9, wherein said security code is a personal identification number (PIN) for use with an ATM to access an account.

13. The process for protecting valuable assets or information as recited in claim 9, wherein said contingency instructions include accessing a credit line.

14. The process for protecting valuable assets or information as recited in claim 9, wherein said contingency instructions include processing said access transaction by providing instructions that simulate a ATM transaction in which money is withdrawn from an account.

15. The process for protecting valuable assets or information as recited in claim 14, wherein said instructions include printing a receipt from an ATM indicating that an account has fictitious amount of money.

16. The process for protecting valuable assets or information as recited in claim 15, wherein said amount is less than included in a user'"'"'s account.

17. The process for protecting valuable assets or information as recited in claim 15, where said amount is more than included in a user'"'"'s account.

18. The process for protecting valuable assets or information as recited in claim 14, wherein said contingency instructions include processing said access transaction by providing instructions that simulate a ATM transaction in which money is withdrawn from an account and a receipt from the ATM indicates a fictitious account number.

19. The process for protecting valuable assets or information as recited in claim 14, wherein said contingency instructions include processing said access transaction by providing instructions that simulate a ATM transaction in which money is withdrawn from an account, said assets or information held in an account virtually or physically located inside a account custodian, wherein said contingency instructions include the following steps:

contacting said account custodian via a network; and

providing information to said account custodian via a network and receiving said transaction instructions from said account custodian;

wherein said information simulates a transaction with said account custodian;

wherein said account custodian processes said simulated transaction.

20. The process for protecting valuable assets or information as recited in claim 19, further recording said simulated transaction information in said data storage.

21. The process for protecting valuable assets or information as recited in claim 20, wherein said simulated transaction is converted into a credit card transaction by said intercept system.

22. The process for protecting valuable assets or information as recited in claim 19, wherein said account custodian processes said information as an ATM transaction.

23. The process for protecting valuable assets or information as recited in claim 22, wherein said intercept system is recorded as the physical location of a an ATM transaction.

24. A process for protecting the characteristics of a transaction for access to assets or information corresponding to an account held by an account custodian, including a credit card account, including the steps of:

mapping at least one identification code to at least one diversionary identification code;

storing said mapping on an intercept system, said intercept system connected to said network and including data storage and a computer system;

when said diversionary identification code is entered into an access device, said diversionary identification code instructs said access device to route the access transaction to said intercept system;

when said access transaction is routed to said intercept system, said intercept system compares at least one diversionary identification code said mapping;

wherein if said mapping indicates that said access transaction meets a masking criteria, said access transaction will be processed by said intercept system according to a set of masking instructions,

wherein said masking instruction include contacting said account custodian via a network with masked transaction information.

25. The process for protecting the characteristics of a transaction as recited in claim 24, wherein said at least one identification code includes at least a portion of the information included on the encoded magnetic stripe of a card used in financial transactions.

26. The process for protecting the characteristics of a transaction as recited in claim 24, wherein said masking instructions include processing said transaction according to any instructions processed at said access device.

27. The process for protecting the characteristics of a transaction as recited in claim 26, wherein said account custodian will record said intercept system as said access device.

28. The process for protecting the characteristics of a transaction as recited in claim 26, wherein said intercept device has a plurality of locations.

29. The process for protecting the characteristics of a transaction as recited in claim 26, wherein said intercept device records said instructions from said access device in an encoded form.

30. The process for protecting the characteristics of a transaction as recited in claim 29, wherein said encoded transactions may be decoded only be a password supplied to an account holder.

31. The process for protecting the characteristics of a transaction as recited in claim 26, wherein said access device is a POS terminal for a credit card.

32. A system for protecting the identity of a transaction conducted at least partially over a network, including:

a replacement transaction device in the form of a card with data at least corresponding to account information and a contingency transaction identifier;

a proxy transaction system connected to said network;

wherein when said replacement transaction device is used, said proxy transaction server is activated, said proxy transaction service contacting an account custodian over a network in order to process said transaction;

wherein said transaction is only known via said network to said account custodian through said proxy transaction system.

33. A contingency security code system including:

an entry point device, said entry device coupled to one or more networks and for gaining access to an account through said one or more networks, said entry point device requiring a first security code for said access;

contingency recognition logic coupled with said one or more networks, wherein said contingency recognition logic will activate if a second security code is entered into said entry point device;

contingency implementation logic coupled with said one or more networks, wherein said contingency implementation logic executes a set of instructions;

wherein said first and second security codes are distinguished from each other.

34. A system for banking over a network which includes a automatic teller machines (ATMs) coupled with a network communication system that allow said ATMs to access at least one bank account, wherein said at least one account may be accessed by inserting an card carrying magnetically or digitally encoded information into one of said set of ATMs and providing a primary personal identification number (PIN) and a corresponding primary account number, wherein the improvement includes:

mapping a contingency identifier and contingency PIN to placing a device coupled to said network which recognizes an alternate code PIN entered into one of said set of ATMs and intervenes to provide instructions on said network for providing a contingency transaction in which only partial access to said at least one bank account is possible when said alternate PIN is entered.

35. The improvement for account protection as recited in claim 34, further comprised of having said device provide instructions to an ATM of said set of ATMs to print an account balance that includes a fictitious balance.

36. The improvement for account protection as recited in claim 35, wherein said fictitious balance is lower than the actual balance of said at least one bank account.

37. The improvement for account protection as recited in claim 35, where said fictitious balance is higher than the actual balance of said at least one bank account.

38. The improvement for account protection as recited in claim 34 further providing instructions to print a fictitious account number.

39. The improvement for account protection as recited in claim 34, wherein said account holder changes said instructions for said contingency system.

40. The improvement for account protection as recited in claim 39, wherein said account holder implements said changes by logging into said interception system over a network.

41. A method for assisting in the protection an account located with an account custodian, said account with valuable assets or information accessible over a network, including the steps of:

providing a user with a first account, said account accessible over a network with a security device and a personal identification code;

providing a user with a contingency identifier, said contingency identifier distinguished from said personal identification code;

providing an access pathway to a emergency account when said contingency identifier is used in a transaction;

wherein accessing said emergency account causes pre-determined instructions to be implemented.

79. The method as recited in claim 41, wherein said emergency account may be accessed by more than one of said contingency identifiers.

80. The method as recited in claim 79, wherein said instructions are the same for all accesses of said emergency account.

81. The method as recited in claim 79, wherein said contingency identifier and said account number may be operated on by a computational unit performing a function to create an emergency access criteria.

42. An account protection system including a magnetic card with a magnetic storage that includes a diversionary code for use in a financial transaction involving a personal security identifier or ATM withdrawal further including:

an intercepting system that can detect said diversionary code;

said intercepting system capable of matching a diversionary code to a corresponding contingency identifier, said contingency identifier distinguished from said personal security identifier;

wherein if said diversionary code does correspond to said contingency identifier, said intercepting system does not process said financial transaction.

77. The method as recited in claim 42, wherein said transaction is completed normally.

78. The method as recited in claim 42, wherein if said diversionary code corresponds to said contingency identifier, said interception system processes said transaction with contingency instructions.

43. A method for protecting information available over a network and physically located in storage with an account custodian, wherein said information is accessed by at least a first security identifier known and entered by a user, including the acts of:

providing said user with a second security identifier, said second security identifier distinguishable from said first security identifier;

when said second security identifier is entered into said network and detected by said account custodian, said account custodian provides access to alternate information, said alternate information distinguished from said information, whereby it would not be apparent to an observer other than said user that said alternate information is not said information.

73. The method as recited in claim 43, wherein said alternate information is a non-secure subset of said information.

74. The method as recited in claim 43, wherein said alternate information is fictitious.

75. The method as recited in claim 43, wherein said access is provided over a WAN.

76. The method as recited in claim 43, wherein said information is personal information.

44. A contingency security code system including:

a biometric entry point device including a biometric detector, said entry device coupled to one or more networks and for gaining access to an account through said one or more networks, said entry point device requiring a first detection result security code for said access;

contingency recognition logic coupled with said one or more networks, wherein said contingency recognition logic will activate if a second security codedetection result is entered detected by into said entry point device; and

contingency implementation logic coupled with said one or more networks, wherein said contingency implementation logic executes a set of instructions;

wherein said first and second security codes detection results are distinguished from each other and said second detection result allows said access.

45. A method for providing contingency security access comprising the acts of:

configuring a biometric security device, said biometric security device including a biometric detector and a computing module, such that said biometric security device recognizes at least a first pattern and a second pattern, said pattern known to at least one accessor;

implementing a first set of instructions executable on said computing module such that when said first pattern is detected by said biometric security device, access is allowed;

implementing a second set of instruction executable on said computer module, such that when said second pattern is detected by said biometric security device, a contingency set of procedures are implemented, wherein said contingency procedures are intentionally activated by said accessor.

46. The method as recited in claim 45, wherein said second set of instructions include allowing access while simultaneously notifying a third party that said contingency set of procedures have been activated.

47. (New) The method as recited in claim 45, wherein said second pattern is discernable only by said accessor and said biometric security device.

48. The method as recited in claim 45, wherein said second pattern is caused by a physiological measurement.

49. The method as recited in claim 45, wherein said second pattern is detectable only by said biometric security device.

50. A method for activating contingency steps with a biometric security access device comprising the acts of:

configuring a biometric access sensor in said biometric security access device, such that said biometric access device recognizes a primary biometric input and a at least one alternate biometric input, wherein said primary and said at least one alternate biometric input are distinguishable by said biometric access device; and

activating a contingency set of instructions by providing said at least one alternate biometric input to said biometric access sensor.

51. The method as recited in claim 50, wherein said biometric security access device includes a voice print identifier.

52. The method as recited in claim 51, wherein said primary biometric input and said at least one alternate biometric input are distinguished by inflection of voice.

53. The method as recited in claim 51, wherein there are more than at least alternate biometric inputs which are each distinguishable by inflection of voice.

54. The method as recited in claim 50, wherein said biometric security access device includes a retinal scan.

55. The method as recited in claim 54, wherein said primary biometric input and said at least one alternate biometric input are distinguished by a target location at which a point on an eye is located.

57. The method as recited in claim 54, wherein said primary biometric input and said at least one alternate biometric input are distinguished by a target angle at which an eye is pointing.

58. The method as recited in claim 50, wherein said biometric security access device includes a fingerprint identifier.

59. The method as recited in claim 58, wherein said primary biometric input and said at least one alternate biometric input are distinguished by different fingers.

60. The method as recited in claim 58, wherein said primary biometric input and said at least one alternate biometric input are distinguished by a target angle at which a finger is pointing.

61. The method as recited in claim 58, wherein said primary biometric input and said at least one alternate biometric input are distinguished by a temperature of a finger.

62. The method as recited in claim 58, wherein said primary biometric input and said at least one alternate biometric input are distinguished by a movement of a finger.

63. A system for banking over a network which includes a set of automatic teller machines (ATMs) coupled with a communication system that allow said set of ATMs to access at least one bank account maintained by an account custodian, wherein said at least one account may be accessed by inserting an access card into one of said set of ATMs and providing a primary personal identification number (PIN) and a corresponding primary account number,

wherein the improvement includes:

mapping a contingency identifier and contingency PIN to placing a device in between the interface to the account custodian and an account processing system, wherein said device recognizes an alternate code PIN entered into one of said set of ATMs and intervenes to provide instructions in said account custodian'"'"'s system for providing an alternate withdrawal limit that can be to said at least one bank account when said alternate PIN is entered.

64. The improvement for account protection as recited in claim 63, further comprised of providing instructions to an ATM of said set of ATMs to print an account balance that includes a fictitious balance.

65. The improvement for account protection as recited in claim 64, wherein said fictitious balance is lower than the actual balance of said at least one bank account.

66. The improvement for account protection as recited in claim 64, where said fictitious balance is higher than the actual balance of said at least one bank account.

67. The improvement for account protection as recited in claim 63 further providing instructions to print a fictitious account number.

68. The improvement for account protection as recited in claim 63, wherein said account holder changes said instructions for said contingency system.

69. The improvement for account protection as recited in claim 68, wherein said account holder implements said changes to said contingency instructions by logging into said interception system over a network.

70. A method for protecting account holders during a transaction over a network including the steps of:

providing said account holder with a contingency access code;

placing contingency instructions on said network;

coupling a detection device to said network, wherein said detection device is able to detect where said contingency access code is entered during said transaction over a network; and

executing said contingency instructions when said contingency access code is entered.

71. An improved security access system which includes a security entry device including;

alternate security code entry means, capable of being entered into said security entry device;

alternate security code detection means coupled to said security entry device; and

alternate security instruction means responsive to said alternate security code detection means.

72. A method for providing security with an individual having access to a network including the steps of:

a step for placing a contingency code on a network, said individual informed of said contingency code; and

a step for protecting assets accessible over said network, when said contingency code is detected over said network.