Multi-account security verification system with a virtual account and linked multiple real accounts

• US 20070185820A1
• Filed: 02/08/2006
• Published: 08/09/2007
• Est. Priority Date: 02/08/2006
• Status: Abandoned Application

• Current Assignee: Albert Talker
• Original Assignee: Albert Talker
• Inventors: Talker, Albert
• Application Number:
  US11/349,655
• Publication Number:
  US 20070185820A1
• Time in Patent Office: Days
• US Class Current: 705/67
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 40/02 Banking, e.g. interest calculation or account maintenance credit or loans G06Q40/03
• CPC Class Codes: G07F 7/025 by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Abstract

A multi account security verification system, which consists off a virtual account card and a central authentication enterprise. The cardholder is able to select one of the real accounts belonging to the account owner by adding control digits to the virtual account number. The real account is retrieved from the Central Authentication Enterprise by accessing the virtual account number record stored in a system database thereby retrieving the selected real account number associated with the control digits and the virtual account number. The database may also store a plurality of secret keys or public/private key sets associated with the virtual account number in addition to optional BIO information, which can be used for authentication and authorization

Claims

1. A multi account security verification system for authorization and authentication comprising:

a Card having generally about the same dimensions as a standard credit card, said card having account storage means, said account storage means including, (a) magnetic strip, (b) smart card, (c) RFID card, (d) bar code, (e) electronic memory, (f) computer, wherein said account storage means are used to store virtual account numbers,

a Database with multiple real account numbers linked to said virtual account number,

a Data Input means used for data input, wherein said data input including;

, (a) PINS, (b) BIO data, wherein said data input entered into the said Data Input means selects the corresponding said real account stored in the said database, wherein said PINS including;

, (a) alpha numeric digits, (b) public keys, (c) private keys,

a Central Authentication Enterprise wherein said security verification is performed, via a computer network, based on said virtual account number stored on said account storage means wherein said real account numbers are retrieved from said database using said virtual account number and said data input entered into said Data Input means, wherein said data input could further be used for verification.

2. The security verification system of claim 1, wherein said database includes a plurality of said PINs, linked to said real account numbers, said PINs, including, (a) secret key sets, (b) public/private key sets, (c) one time key sets.

3. The security verification system of claim 1, wherein said database includes BIO information linked to said virtual account number used for said security verification, said BIO information including, (a) fingerprint data, (b) retina data, (c) voice data, (d) physical appearance data.

4. The security verification system of claim 1, wherein said card includes memory, wherein the memory is operative to store data associated with at least one account, wherein said memory can be used to store said PIN sets associated with each said account, wherein the said card optionally includes at least one display device, wherein the at least one display device is operative to electronically display data corresponding to an account associated with the data.

5. The security verification system of claim 1, wherein said Central Authentication Enterprise uses said communicated virtual account and said data input to access and retrieve stored referenced said PINs from said database by using comparing means for comparing said data input to a collection of said PINs belonging to the referenced communicated virtual account, thereby verifying a transaction when a data input and referenced virtual account match to stored PIN.

6. The security verification system of claim 1, wherein said card further comprises terminal interface means for communicating and receiving data from outside peripherals and store the said received data in the said card internal memory.

7. The security verification system of claim 1, wherein the said card includes memory and a writeable magnetic strip, wherein the magnetic strip is adapted to store magnetic strip data associated with the account.

8. The security verification system of claim 1, wherein real account names are listed on the face of the said card.

9. The security verification system of claim 1, wherein real account number can be selected by using input means built into the said card, wherein input means including:

, (a) electronic buttons, (b) computer input, (c) mechanical input.

10. A multi account card system comprising:

a virtual account number assigned to an entity

a database with multiple real account numbers linked to said virtual account number,

a Central Authentication Enterprise wherein security verification is performed based on said virtual account number assigned to said entity, wherein said real account numbers are retrieved from said database using said virtual account number and data input, wherein said data input is communicated by electronic means.

11. The security verification system of claim 10, including Data Input means used for said data input, wherein said data input including:

, (a) PINS, (b) BIO data, wherein said data input entered into the said Data Input means selects the corresponding said real account stored in the said database, wherein said PINS including;

, (a) alpha numeric digits, (b) public keys, (c) private keys.

12. The security verification system of claim 10, wherein said database includes a plurality of PINs, linked to said real account numbers, said PINs, including, (a) secret key sets, (b) public/private key sets, (c) one time key sets.

13. The security verification system of claim 10, wherein said database includes BIO information linked to said virtual account number used for said security verification, said BIO information including, (a) fingerprint data, (b) retina data, (c) voice data, (d) physical appearance data.

14. The security verification system of claim 10, which includes a Card having generally about the same dimensions as a standard credit card, said card having account storage means, said account storage means including, (a) magnetic strip, (b) smart card, (c) RFID card, (d) bar code, (e) electronic memory, (f) computer, wherein said account storage means are used to store virtual account numbers.

15. The security verification system of claim 10, which includes a Card having generally about the same dimensions as a standard credit card, said card having account storage means, wherein said account storage means are used to store virtual account numbers and optionally data associated with the accounts, wherein said storage means can be used to store PIN sets associated with each said account, wherein the said card optionally includes at least one display device, wherein the at least one display device is operative to electronically display data corresponding to an account associated with the data.

16. The security verification system of claim 10, which includes a Card having generally about the same dimensions as a standard credit card, said card having account storage means, wherein said account storage means are used to store virtual account numbers and optionally data associated with the accounts, wherein said card further comprises terminal interface means for communicating and receiving data from outside peripherals and store the said received data in the said card internal memory.

17. The security verification system of claim 10, wherein said Central Authentication Enterprise uses said communicated virtual account and said data input to access and retrieve stored referenced data from said database by using comparing means for comparing said data input to a collection of stored data belonging to the referenced communicated virtual account, thereby verifying a transaction when a data input and referenced virtual account match to stored data.

18. The security verification system of claim 10, which includes a Card having generally about the same dimensions as a standard credit card, said card having account storage means, said account storage means including, (a) magnetic strip, (b) smart card, (c) RFID card, (d) bar code, (e) electronic memory, (f) computer, wherein said account storage means are used to store virtual account numbers, wherein real account number can be selected by using input means, wherein input means including:

, (a) electronic buttons, (b) computer input, (c) mechanical input.