System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods

• US 20060169768A1
• Filed: 03/30/2006
• Published: 08/03/2006
• Est. Priority Date: 05/29/1998
• Status: Active Grant

• Current Assignee: Stripe, Inc.
• Original Assignee: E-Micro Corporation
• Inventors: Gangi, Frank J.
• Granted Patent: US 7,357,312 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/108 Remote banking, e.g. home banking
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/2295 Parent-child type, e.g. where parent has control on child rights
• 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 20/347 Passive cards
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3829 involving key management
• CPC Class Codes: G06Q 20/383 Anonymous user system
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• 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 7/12 Card verification

Abstract

A system to provide a customized set of identification data to facilitate a transaction and related methods are provided. The system includes a server configured to store personal control IDs and sets of personal data and configured to store a data profile derived from a set of personal data associated with a personal control ID identifying a selected different person for use by a selected one of one or more providers identified by a provider ID. The system also includes a data processor remote from and in communication with the server and a point of transaction terminal adapted to couple to an ID instrument to receive a personal control ID identifying a selected different person and to send the personal control ID to the data processor to transmit with a provider ID to the server. The server is further configured to retrieve a data profile derived from the set of personal data associated with the personal control ID and to transmit the data profile for use by the selected provider identified by the provider ID. The system can also include an output device to receive the data profile and to output the data profile to the selected provider to thereby verify the personal control ID as being associated with a user of the personal control ID at the point of transaction prior to proceeding with a transaction.

Claims

1. A system comprising:

a server configured to store a plurality of personal control IDs and a plurality of sets of personal data, each of the plurality of personal control IDs being associated with a respective different person and a respective set of personal data entered into the server and controlled by the respective different person and configured to store a data profile derived from a set of personal data associated with a personal control ID identifying a selected different person and assembled together by the selected different person for use by a selected one of one or more providers identified by a respective provider ID;

a data processor remote from and in communication with the server; and

a terminal in communication with the data processor and adapted to couple to an ID instrument via a data communication link to receive from the ID instrument the personal control ID identifying the selected different person and to send the personal control ID identifying the selected different person to the data processor, the data processor being configured to transmit to the server the personal control ID identifying the selected different person and the provider ID identifying the selected provider, the server being further configured to retrieve from the plurality of sets of personal data the data profile derived from the set of personal data associated with the personal control ID identifying the selected different person and to transmit to the data processor the data profile for use by the selected provider identified by the provider ID.

2. A system as defined in claim 1,

wherein the system comprises at least one of the following:

a retail system and a point of transaction system; and

wherein the server is further configured to recognize that the personal control ID is being received prior to transmitting to the data processor the data profile derived from the set of personal data associated with the personal control ID identifying the selected different person;

wherein the respective set of personal data entered into the server is characterized by being controlled by the respective different person via the Internet or via a point of transaction;

wherein the terminal is positioned at at least one of the following locations;

a point-of-sale and the point of transaction; and

wherein the system further comprises an output device connected to the data processor to receive from the data processor the data profile received from the server and to output the data profile to the selected provider to thereby verify the personal control ID as being associated with a user of the personal control ID at the point-of-sale or point of transaction prior to proceeding with a transaction.

3. A system as defined in claim 2,

wherein the ID instrument comprises at least one of the following:

a magnetic striped card, a smart card, a bar code, a gift card, an automatic teller machine (ATM) card, a check card, a wallet consolidator, a debit card, a credit card, a smart card, a prepaid card, a personal identification card, a driver'"'"'s license, a personal computer (PC), a laptop computer, a personal digital assistant (PDA) adapted for infrared (IR) communication, a check, a keypad, a touchscreen, a voice recognition device, and a radio-frequency (RF) device, the RF device comprising at least one of the following;

a PDA adapted for RF communication, an RF identification (RFID) tag, and a cell phone; and

wherein the personal data comprises at least one of the following;

a personal name, a personal ID, a pictorial image of the person, personal fingerprint data, personal checking account data, driver'"'"'s license data of the person, personal biometric data, a personal social security number, a personal ID password, a personal data password, credit card data, debit card data, prepaid card data, frequent purchaser data, medical data, bank account data, investment data, coupon data, processed data, points, data generated based on existing personal data responsive to a previous transaction, and membership ID data of the selected different person.

4. A system as defined in claim 2, wherein the data processor, the terminal, and the output device are integrated together to constitute a substantially integrated input/output device.

5. A system as defined in claim 2,

wherein the terminal comprises at least one of the following:

a magnetic card reader, a smart card reader, a bar code reader, an infrared (IR) receiver, an optical scanner, a transmitter adapted for transmitting a pre-determined signal for activating a response from an RFID tag and for receiving a response back from the RFID tag, and an interface adapted for receiving RF signals from at least one of a cell phone and an RF device; and

wherein the data communication link comprises at least one of the following;

a wireless link, a wireline link, wide area network (WAN) link, an infrared (IR) link, a radio-frequency (RF) link, an optical link, and a magnetic link.

6. A system as defined in claim 2,

wherein the system includes a database for storing the sets of personal data;

wherein the terminal is a retail point-of-sale terminal;

wherein the output device comprises at least one of the following;

a visual display monitor and a printer;

wherein the server is further coupled to receive transaction ID information from the data processor, the transaction ID information having information relating to the transaction to be executed including the type of information needed to execute the transaction and personal ID;

wherein the server is configured to access the database to retrieve and process the set of personal data related to the personal ID and is restricted according to the transaction ID information; and

wherein the data profile is usable in a transaction for at least one of the following;

goods, services, grocery items, food, medical services and supplies, insurance premiums, ticketing, a money transfer, and identification services relating to the person.

7. A system as defined in claim 1, wherein the ID instrument is a first ID instrument associated with a first user, and wherein the system further includes a second ID instrument associated with a second user, the first ID instrument adapted to receive the personal control ID directly from the selected one or more providers or indirectly from the server and adapted to transmit the personal control ID to the second ID instrument device associated with a selected second user to thereby allow the second user to use the personal control ID at the terminal.

8. A system as defined in claim 1, wherein the ID instrument is a first ID instrument associated with a first user, wherein the system further includes a second ID instrument associated with a second user, the first ID instrument adapted to receive the personal control ID directly from the selected one or more providers or indirectly from the server and adapted to transmit the personal control ID to the second ID instrument device associated with a selected second user, and wherein the second ID instrument is adapted to retrieve at least a portion of the personal data or data profile defining credentials from the server responsive to the personal control ID to thereby allow the second user to use the credentials at the terminal.

9. A system as defined in claim 2,

wherein the system includes a database for storing the sets of personal data;

wherein the server is configured to receive the personal ID and to access the database to retrieve and process personal data related to the personal control ID for each of a plurality of persons, providers, and transactions; and

wherein the output device is further configured for generating, in response to receipt of personal data associated with the selected personal ID, information relating to the selected person for purposes of facilitating the transaction and facilitating the generation of transactional data and other customer messages via the Internet or via the point of transaction.

10. A system as defined in claim 3,

wherein the output device is configured for generating in response to receipt of personal data related to the selected personal ID incentives to the selected person for making future purchases, the incentives including at least one of the following:

a coupon and a discount offer; and

wherein the server is further configured to receive and process changes, updates, and additions defining updated credentials in digitized point-of-sale and point of transaction ready form from providers of components of data profiles, and to distribute electronically the updated credentials.

11. A system comprising:

a terminal adapted to couple to an ID instrument via a data communication link to receive from the ID instrument a personal control ID identifying a selected different person and to send the personal control ID identifying the selected different person;

a computer configured to store a plurality of personal control IDs and a plurality of sets of personal data entered into the computer and controlled by each respective different person, configured to store a data profile derived from a set of personal data associated with the personal control ID identifying the selected different person and assembled together by the selected different person for use by a selected one of one or more providers identified by a provider ID, configured to retrieve from the plurality of sets of personal data the data profile derived from the set of personal data associated with the personal control ID identifying the selected different person, and configured to send the data profile for use by the selected provider identified by the provider ID; and

an output device configured to receive at least a portion of the data profile sent from the computer and to output the data profile to the selected provider to thereby verify the personal control ID as being associated with a user of the personal control ID at the point of transaction prior to proceeding with a transaction.

12. A system as defined in claim 11,

wherein the plurality of sets of personal data entered into the computer is characterized by being controlled by the respective different person via the Internet and via a point of transaction;

and

wherein the personal data comprises at least one of the following;

a personal name, a personal ID, a pictorial image of the person, personal fingerprint data, personal checking account data, driver'"'"'s license data of the person, personal biometric data, a personal social security number, a personal ID password, a personal data password, credit card data, debit card data, prepaid card data, frequent purchaser data, medical data, bank account data, investment data, coupon data, processed data, points, data generated based on existing personal data responsive to a previous transaction, and membership ID data of the person.

13. A system as defined in claim 11,

wherein the output device is further configured for generating to the selected person, in response to receipt of personal data associated with the selected personal ID, at least one of the following:

information relating to the selected person for purposes of facilitating the transaction and facilitating the generation of transactional data and other customer messages via the Internet or via the point of transaction, and incentives for making future purchases including at least one of following;

a coupon and a discount offer; and

wherein the computer is further configured to receive and process changes, updates, and additions from providers of components of data profiles in digitized point-of-sale and point of transaction ready form and to provide the changes, updates, and additions to the selected person responsive to the processing.

14. A system to provide a customized set of identification data to facilitate a transaction, the system comprising:

a computer having memory;

a database in communication with the computer to store a plurality of personal control IDs and a plurality of sets of personal data; and

program product stored in the memory of the computer and including instructions to perform the operations of;

receiving a set of personal data from a remotely positioned user,

requesting and receiving a personal ID from the user to associate with a set of personal data,

storing the personal ID and the set of personal data in the database,

receiving a request from a point of transaction terminal or associated data processor for at least a portion of the set of personal data of the user accompanied by both the personal ID of the user and a provider ID, and

providing customized information based on a data profile derived from the set of personal data of the user.

15. A system as defined in claim 14, wherein the program product further comprises instructions to perform the operations of receiving and processing changes, updates, and additions defining revised credentials associated with the user from providers of components of data profiles in digitized point-of-sale or point of transaction ready form.

16. A system as defined in claim 15,

wherein the user is a first user;

wherein the program product further comprises instructions to perform the operations of distributing electronically the revised credentials to the first user; and

wherein the system further comprises a first ID instrument associated with the first user and having memory to receive the revised credentials, a second ID instrument associated with a second user, and ID instrument program product stored in the memory of the first and the second ID instruments and including instructions to perform the operation of forwarding the credentials from the first ID instrument to the second ID instrument for use by the second user.

17. A method for providing a customized set of identification data to facilitate a transaction, comprising the steps of:

acquiring a personal ID of a user from an ID instrument;

submitting a request to a computer for at least a portion of a set of personal data of the user along with both the personal ID of the user and a provider ID of a provider; and

providing customized data for use by the provider identified by the provider ID to identify the user, the customized data based on a data profile derived from the set of personal data of the user.

18. A method as defined in claim 17, further comprising the steps of:

receiving a set of personal data from the user;

receiving the personal ID from the user to associate with the set of personal data; and

deriving the data profile from the set of personal data of the user for use by the provider identified by the provider ID responsive to the personal ID and the provider ID to thereby provide customized data to the provider identified by the provider ID.

19. A method as defined in claim 18, further comprising the steps of:

storing the personal ID and the set of personal data in a database; and

loading an ID instrument with the personal ID and transaction data.

20. A method as defined in claim 18, further comprising the steps of:

receiving and processing changes, updates, and additions from providers of components of data profiles; and

providing the changes, updates, and additions to the user responsive to the processing.

21. A method as defined in claim 18, further comprising the steps of:

generating a coupon or discount offer defining an incentive to the user for making future purchases responsive to a transaction between the user and a merchant; and

associating the incentive with the personal data of the user.

22. A method for providing a customized set of identification data to facilitate a transaction, comprising the steps of:

providing credentials to a first user by an ID provider;

storing the credentials in the memory of a first ID instrument in possession of the first user; and

forwarding the credentials from the first user over a communication network to a second ID instrument in the possession of a second user to thereby enable for use by the second user transaction data accessible to the first ID instrument.

23. A method as defined in claim 22, wherein the credentials can include at least one of the following:

an account number, expiration date, pin number for a debit card, pin number for a credit card, pin number for a bank account, security identification number for a security badge, and biometric information.

24. A method as defined in claim 22, wherein the first user is the owner of the credentials, and wherein the credentials are provided through a communication network to the second ID instrument in digitized, point-of-sale or point of transaction ready form.

25. A method as defined in claim 22, wherein the step of providing credentials to a first user includes providing credentials to a computer for later access by the first user.

26. A method as defined in claim 25, wherein the step of providing credentials to a first user further includes converting the data into point-of-sale or point of transaction ready form prior to the accessing by the first user.

27. A method as defined in claim 22, wherein the first user is the owner of the credentials, and wherein the step of forwarding includes the first user transmitting the credentials to a computer for access by a second user.

28. A method as defined in claim 22, wherein the first user is the owner of the credentials, and wherein the step of forwarding includes transmitting only basic access data to the second user to allow the second user to access the transaction data from the computer.

29. A method as defined in claim 22, wherein the first user is the owner of the credentials, and wherein the step of forwarding includes transmitting data to the second user to allow the second user to access electronic currency associated with the first user, to thereby transfer electronic currency between the first and the second users, negating any need for actual currency transfer.

30. A method for providing a customized set of identification data to facilitate a transaction, comprising the steps of:

receiving a set of personal data of a user defining user credentials to add the user to a user network;

associating a personal ID with the user credentials;

deriving a data profile from the user credentials for use by a provider to thereby provide customized data to the provider;

acquiring the personal ID of the user from an ID instrument;

identifying the user as a member of the user network responsive to the personal ID; and

providing customized data to the provider.

31. A method as defined in claim 30, wherein the step of deriving the data profile from the user credentials includes associating user credentials from a plurality of ID providers with user credentials provided by a single provider.

32. A method as defined in claim 31, wherein the customized data includes indicia that the user presenting the ID instrument is a member of the user network, and wherein the method further comprises the step of manipulating a peripheral device associated with a point of transaction responsive to the indicia.

33. A method as defined in claim 30, further comprising the steps of:

recording the date, time and transaction location of each recognition of the personal ID associated with the user network defining logged data; and

providing the user access to that logged data.

34. A method as defined in claim 31, wherein the personal ID includes a subscriber identity module ID number associated with the ID instrument.

35. A method as defined in claim 31, wherein the step of associating a personal ID with the user credentials includes associating a plurality of personal IDs with the user credentials, and wherein the step of providing customized data to the provider includes providing a message associated with one of the personal IDs indicating transaction instructions to the provider.

36. A computer readable medium that is readable by a computer providing a customized set of identification data to facilitate a transaction, the computer readable medium comprising a set of instructions that, when executed by the computer, cause the computer to perform the operations of:

receiving a set of personal data from a remotely positioned user;

receiving a personal ID from the user to associate with the set of personal data;

deriving a data profile from the set of personal data of the user responsive to the personal ID and the provider ID to thereby provide customized data for use by a provider identified by a provider ID; and

receiving a request for at least a portion of the set of personal data of the user along with both the personal ID of the user and the provider ID of the provider.

37. A computer readable medium as defined in claim 36,

wherein the request for personal data is received from one of the following:

a point-of-sale terminal, a point of transaction terminal, and a data processor in communication with the computer and the point-of-sale terminal or the point of transaction terminal; and

wherein the instructions further include those to perform the operation of providing customized data responsive to the data profile for use by the provider in performing at least one of the following;

identifying the user, verifying the identity of the user, and supplementing additional transactional information beyond that stored on an ID instrument.

38. A computer readable medium as defined in claim 36, wherein the instructions further include those to perform the operations of:

associating and storing the personal ID and set of personal data in a database in communication with the computer; and

sending the personal ID and transaction data via the Internet or a point of transaction to load on an ID instrument.

39. A computer readable medium as defined in claim 36,

wherein the personal ID of the user is acquired from a preloaded ID instrument presented at a point-of-sale or point of transaction;

and

wherein the personal ID includes a subscriber identity module ID number associated with the ID instrument.

40. A computer readable medium as defined in claim 36, wherein the instructions further include those to perform the operations of:

receiving and processing changes, updates, and additions from providers of components of data profiles; and

providing the changes, updates, and additions to the user responsive to the processing.

41. A computer readable medium as defined in claim 36,

wherein the operation of deriving a data profile includes associating a plurality of personal IDs with the set of personal data;

and

wherein the instructions further include those to perform the operation of associating with one of the personal IDs a message indicating transaction instructions to the provider.

42. A computer readable medium that is readable by at least one processor, the computer readable medium comprising a set of instructions that, when executed by the at least one processor, individually or in unison, cause the at least one processor to perform the operations of:

providing credentials to a first user by an ID provider;

storing the credentials in memory of a first ID instrument in possession of the first user; and

forwarding the credentials from the first ID instrument to a second ID instrument in possession of a second user to thereby allow for receipt of data otherwise stored on the first ID instrument.

43. A computer readable medium as defined in claim 42, wherein the credentials can include at least one of the following:

an account number, expiration date, pin number for a debit card, pin number for a credit card, pin number for a bank account, security identification number for a security badge, and biometric information.

44. A computer readable medium as defined in claim 42, wherein the first user is the owner of the credentials, and wherein the credentials are provided through a communication network to the first ID instrument in digitized, point-of-sale or point of transaction ready form.

45. A computer readable medium as defined in claim 42, wherein the operation of providing credentials to a first user includes providing credentials to a computer for later access by the first user.

46. A computer readable medium as defined in claim 45, wherein the operation of providing credentials to a first user further includes converting the data into point-of-sale or point of transaction ready form prior to the accessing by the first user.

47. A computer readable medium as defined in claim 42, wherein the first user is the owner of the credentials, and wherein the operation of forwarding includes transmitting the credentials by the first user to a computer for access by a second user.

48. A computer readable medium as defined in claim 42, wherein the first user is the owner of the credentials, and wherein the operation of forwarding includes transmitting only basic access data to the second user to allow the second user to access the data from the computer.

49. A computer readable medium as defined in claim 42, wherein the first user is the owner of the credentials, and wherein the operation of forwarding includes transmitting data to the second user to allow the second user to access electronic currency associated with the first user, to thereby transfer electronic currency between the first and the second users, negating any need for actual currency transfer.

50. A computer readable medium that is readable by a computer providing a customized set of identification data to facilitate a transaction, the computer readable medium comprising a set of instructions that, when executed by the computer, cause the computer to perform the operations of:

receiving a set of personal data of a user defining user credentials to add the user to a user network;

associating a personal ID with the user credentials;

deriving a data profile from the user credentials for use by a provider to thereby provide customized data to the provider;

receiving the personal ID of the user from an ID instrument;

identifying the user as a member of the user network responsive to the personal ID; and

providing customized data to the provider.

51. A computer readable medium as defined in claim 50, wherein the operation of deriving the data profile from the user credentials includes associating user credentials from a plurality of ID providers with user credentials provided by a single provider.

52. A computer readable medium as defined in claim 50, wherein the customized data includes indicia that the user presenting the ID instrument is a member of the user network, the indicia used by a provider point of transaction terminal as a flag to determine if the user is authorized access to a peripheral device associated therewith.

53. A computer readable medium as defined in claim 50, wherein the instructions further include those to perform the operations of:

recording the date, time and transaction location of each recognition of the personal ID associated with the user network defining logged data; and

providing the user access to that logged data.