System for Associating Identification and Personal Data for Multiple Magnetic Stripe Cards or Other Sources to Facilitate a Transaction and Related Methods

• US 20080048026A1
• Filed: 10/30/2007
• Published: 02/28/2008
• Est. Priority Date: 05/29/1998
• Status: Active Grant

• Current Assignee: Stripe, Inc.
• Original Assignee: E-Micro Corporation
• Inventors: Gangi, Frank
• Granted Patent: US 7,516,886 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: G06Q 20/4015 using location information
• 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 can include a computer in communication with a database to store personal control IDs and sets of personal data associated with personal control IDs identifying a selected different person for use by a selected one of one or more providers identified by provider ID, and program product 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 for at least a portion of the set of personal data of the user, and providing customized information based on a data profile derived from the set of personal data of the user.

Claims

1. 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 for at least a portion of the set of personal data of the user from a point-of-transaction terminal or associated data processor, the request including both the personal ID of the user and a provider ID, and

providing customized information to the point-of-transaction terminal or associated data processor based on a data profile derived from the set of personal data of the user.

2. A system as defined in claim 1, wherein the customized information includes user identification credentials recognized by the a point-of-transaction terminal, associated data processor, or operator thereof.

3. A system as defined in claim 1, and wherein the set of personal data of the user includes user access credentials associated with a plurality of providers of components of a corresponding plurality of data profiles, each data profile selectively associated with a separate one of the plurality of providers.

4. A system as defined in claim 1, wherein the program product further comprises instructions to perform the operations of:

receiving user access credentials either directly or indirectly from a provider of at least one component of the data profile, associating the credentials with a provider ID and the personal ID, and receiving and processing changes, updates, and additions defining revised user access credentials in digitized point-of-sale or point-of-transaction ready form.

5. A system as defined in claim 4,

wherein the user is a first user;

wherein the program product further comprises instructions to perform the operations of distributing electronically the revised user access 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.

6. 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 a provider ID to thereby provide customized data for use by a provider identified by the provider ID;

receiving a request from a requester for at least a portion of the set of personal data of the user, the request including the personal ID of the user and the provider ID of the provider; and

providing the requester customized data responsive to receiving the personal ID of the user to and the provider ID of the provider and responsive to the data profile.

7. A computer readable medium as defined in claim 6,

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 the customized data for use by the requester 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.

8. A computer readable medium as defined in claim 6, 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.

9. A computer readable medium as defined in claim 6,

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.

10. A computer readable medium as defined in claim 6, 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.

11. 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.

12. A computer readable medium as defined in claim 11, 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.

13. A computer readable medium as defined in claim 11, 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.

14. 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, the personal ID associated with the set of personal data of the user, the provider ID associated with the 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.

15. A method as defined in claim 14, further comprising the steps of:

receiving the 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.

16. A method as defined in claim 15, 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.

17. A method as defined in claim 15, 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.

18. 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 personal ID as that of the user responsive to the personal ID to thereby confirm that the user is a member of the user network;

providing customized data to a transaction site operator associated with the provider responsive to the identification, the customized data based on the data profile associated with the provider; and

authorizing completion of a transaction by the transaction site operator responsive to the customized data.

19. A method as defined in claim 18, 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.

20. A method as defined in claim 19, wherein the customized data includes user identification information provided to allow visual authentication of the user by the transaction site operator, wherein the step of authorizing completion of a transaction includes the steps of confirming by the transaction site operator that the user is the user associated with the personal ID, and manipulating a peripheral device associated with the point-of-transaction, responsive to the provided user identification information and the customized data.

21. A method as defined in claim 19, wherein the personal ID includes a subscriber identity module ID number associated with the ID instrument.

22. 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.

23. A computer readable medium 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 computer readable medium 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 first ID instrument in digitized, point-of-sale or point-of-transaction ready form.

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

26. A computer readable medium as defined in claim 22, 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.

27. A computer readable medium as defined in claim 22, 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.

28. 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 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 transaction data accessible to the first ID instrument for use by the second user.

29. A method as defined in claim 28, wherein the step of providing credentials to a first user includes providing credentials to a computer for later access by the first user, 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.

30. A method as defined in claim 28, 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.

31. A method as defined in claim 28, 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.