SYSTEM AND METHOD FOR CONTROLLING SECURED TRANSACTION USING DIRECTIONALLY CODED ACCOUNT IDENTIFIERS

• US 20080245855A1
• Filed: 04/03/2007
• Published: 10/09/2008
• Est. Priority Date: 04/03/2007
• Status: Active Grant

• Current Assignee: Kioba Processing, LLC (IP Investments Group LLC)
• Original Assignee: Intellectual Ventures Holding 32 LLC (Intellectual Ventures LLC)
• Inventors: Merritt, Edward, Fein, Gene S.
• Granted Patent: US 7,938,318 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• 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: Y10S 283/904 Credit card

Abstract

A control method and system provides coded access to a system by acquiring account identification data corresponding to a combination of a plurality of symbols. The account identification data is transmitted, for example to a remote server, to correlate the account identification data against an account database to evaluate corresponding account information. Based on the account information, access to the system may be controlled.

Claims

1. A method for providing controlled coded access to a transactional system comprising:

receiving a request for access to a transactional system on an incoming connection, the request including account identification data corresponding to a combination of a plurality of symbols;

correlating the account identification data against an account database to evaluate corresponding account information; and

controlling access to the transactional system based on evaluated account information.

2. The method of claim 1 wherein the account identification data is audio data, including a series of sounds, each sound corresponding to a symbol.

3. The method of claim 1 wherein the transactional system is a credit card system, debit card systems, or banking system.

4. The method of claim 1 wherein the combination of a plurality of symbols is a combination of twelve symbols.

5. The method of claim 4 wherein the combination of a plurality of symbols is selected from a range of 100 or more individual symbols.

6. The method of claim 1 wherein the symbols are directional symbols

7. A method for providing coded access to a transactional system comprising:

acquiring account identification data, wherein the account identification data corresponds to a combination of a plurality of symbols;

transmitting a request for access to a transactional system, the request including the account identification data;

correlating the account identification data against an account database to evaluate corresponding account information; and

controlling access to the transactional system based on evaluated account information.

8. The method of claim 7 wherein the account identification data is audio data including a series of sounds, each sound corresponding to a symbol.

9. The method of claim 8 wherein the sounds include voice data.

10. The method of claim 8 wherein the sounds include audio tones.

11. The method of claim 7 wherein the transactional system is a credit card system, debit card system, or banking system.

12. The method of claim 7 wherein the combination of a plurality of symbols is a combination of plural symbol arrays.

13. The method of claim 12 wherein the combination of a plurality of symbols is selected from a range of 100 or more individual symbols.

14. The method of claim 7 wherein acquiring account identification data includes optical scanning the combination of a plurality of symbols from an account card.

15. The method of claim 14 wherein acquiring account identification data further comprises converting optically scanned symbols into a series of sounds, each sound corresponding to a respective symbol.

16. The method of claim 7 wherein acquiring account identification data includes receiving symbols selection information from a graphical user interface.

17. The method of claim 7 wherein the symbols include directional symbols.

18. A computer readable medium having computer readable program codes embodied therein for causing a computer to function as a transaction unit that provides coded access to a transactional system, the computer readable medium program codes performing functions comprising:

receiving a request for access to a transactional system on an incoming connection, the transaction request including account identification data corresponding to a combination of a plurality of symbols;

correlating the account identification data against an account database to evaluate corresponding account information; and

controlling access to the transactional system based on evaluated account information.

19. A card for providing access to a transactional system for conducting a transaction comprising:

a card; and

human readable account identification data located on the card, the account identification information corresponding to a combination of a plurality of symbols that corresponds to an account in an account database to identify a user in a transaction.

20. The card of claim 19 further comprising:

machine readable information located on the card corresponding to the human readable account identification data.

21. A system for conducting a transaction comprising:

means for acquiring account identification data, wherein the account identification data corresponds to a combination of a plurality of symbols;

means for transmitting a transaction request to access a transactional system, the transaction request including the account identification data;

means for correlating the account identification data against an account database to evaluate corresponding account information; and

means for controlling access to the transactional system based on evaluated account information.

22. A system for providing access to a transactional system:

an acquisition unit configured to accept account identification data, wherein the account identification data corresponds to a combination of a plurality of symbols, and to transmit a request for access to a transactional system to a transaction unit, the request including the account identification data;

an account database configured to store account information;

a transaction unit configured to

(i) receive a request for access to a transactional system from an acquisition device,

(ii) correlate the account identification data against the account database,

(iii) evaluate corresponding account information, and

(iv) provide access to the transactional system based on evaluated account information.

23. The system of claim 22 further wherein the acquisition unit further includes:

an audio acquisition device configured to receive a voice data identification and to process the voice data identification into the account identification data using a look up table.

24. The system of claim 22 wherein the acquisition unit includes an optical scanner configured to acquire symbols from a card.

25. The system of claim 24 wherein the acquisition unit further includes:

a database containing a look up table where audio data corresponds to a specific symbol;

is further configured to convert symbols acquired from the optical scanner into a combination of a plurality of audio data based on the look up table, and to transmit the account identification data as a plurality of audio data.

26. The system of claim 25 wherein the transaction unit further includes:

a conversion database containing a conversion look up table where audio data corresponds to a specific symbol; and

is further configured to convert audio data received from the acquisition unit into a combination of a plurality of symbols based on the conversion look up table.

27. Electromagnetic signals propagating on a computer network, embodied therein for causing a computer to function as a transaction unit that provides coded access to a transactional system, the computer readable medium program codes performing functions comprising:

receiving a request for access to a transactional system, the transaction request including account identification data corresponding to a combination of a plurality of symbols;

correlating the account identification data against an account database to evaluate corresponding account information; and

controlling access to the transactional system based on evaluated account information.