ACCOMMODATING MULTIPLE USERS OF A SECURE CREDIT CARD
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Accused Products
Abstract
A secure credit card provides for secure transactions by users other than a holder of the secure credit card by providing storage for additional personal identification numbers (PINs) for authorized users. Transactions for authorized users may be controlled in accordance with individual user profiles stored in the secure credit card and which may be freely and flexibly established in regard to transaction amount, merchant restrictions and the like in response to recognition of a PIN corresponding to a holder of the secure credit card to whom the card is issued.
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Citations
30 Claims
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1-21. -21. (canceled)
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22. A secure credit card comprising
a card body including a processor and associated storage for a stored program for operation of said processor, a communication interface, and a data entry means, a non-volatile memory for storage of identification information for said secure credit card, a personal identification number (PIN) of a holder of said secure credit card and a PIN of at least one authorized user of said secure credit card, and encryption means for encoding transaction information and secure transaction codes in accordance with signals stored in said non-volatile memory, and means for distinguishing between said PIN of said holder and a PIN of a said authorized user.
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30. A secure financial transaction system including
a secure credit card comprising a card body including a processor and associated storage for a stored program for operation of said processor, a communication interface, and a data entry means a non-volatile memory for storage of identification information for said secure credit card, a personal identification number (PIN) of a holder of said secure credit card and a PIN of at least one authorized user of said secure credit card, encryption means for encoding transaction information and secure transaction codes in accordance with signals stored in said non-volatile memory, and means for distinguishing between said PIN of said holder and a PIN of a said authorized user, a card reader communicating with a server controlled by an issuer of said secure credit card, and means for receiving transaction information and secure transaction codes from said secure credit card and accepting or rejecting a transaction responsive to said transaction information and secure transaction codes.
Specification