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

• US 20080245861A1
• Filed: 04/03/2007
• Published: 10/09/2008
• Est. Priority Date: 04/03/2007
• Status: Active Grant

• Current Assignee: Xylon LLC (Intellectual Ventures LLC)
• Original Assignee: Intellectual Ventures Holding 32 LLC (Intellectual Ventures LLC)
• Inventors: Merritt, Edward, Fein, Gene S.
• Granted Patent: US 7,896,238 B2
• Time in Patent Office: Days
• US Class Current: 235/382
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/352 Contactless payments by cards
• 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: 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
• 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 7/086 by passive credit-cards adapted therefor, e.g. constructive particularities to avoid counterfeiting, e.g. by inclusion of a physical or chemical security-layer for security documents G07D7/00; for the reading of record-carriers in general G06K7/00; for the design of coded credit-cards G06K19/10
• CPC Class Codes: G07F 7/122 Online card verification

Abstract

A method and system provides coded access to a transactional or other type of system by acquiring account identification data corresponding to a combination of a plurality of colors. The account identification data is transmitted to, for example, 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 transactional or other type of system may be controlled.

Claims

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

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

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 color.

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

4. The method of claim 1 wherein the combination of a plurality of colors is a combination of twelve color arrays.

5. The method of claim 4 wherein the combination of a plurality of colors is selected from a range of multiple thousands to multiple millions of individual colors.

6. 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 colors;

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.

7. The method of claim 6 wherein the account identification data is audio data including a series of sounds, each sound corresponding to a color.

8. The method of claim 7 wherein the sounds include voice data.

9. The method of claim 7 wherein the sounds include audio tones.

10. The method of claim 6 wherein the transactional system is a credit card system, a debit card system, or a banking system.

11. The method of claim 6 wherein the combination of a plurality of colors is a combination of twelve color arrays.

12. The method of claim 11 wherein the combination of a plurality of colors is selected from a range of multiple thousands to multiple millions of individual colors.

13. The method of claim 6 wherein acquiring account identification data includes optical scanning the combination of a plurality of colors from an account card.

14. The method of claim 13 wherein acquiring account identification data further comprises converting optically scanned color data into a series of sounds, each sound corresponding to a color.

15. The method of claim 6 wherein acquiring account identification data includes accepting color selection information from a user interface, the user interface being any of a graphical user interface or a voice interface.

16. 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 colors;

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.

17. A card system 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 data corresponding to a combination of a plurality of colors that corresponds to an account in an account database to identify a user in a transaction.

18. The card system of claim 17 further comprising:

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

19. 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 colors;

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 against an account database to evaluate corresponding account information; and

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

20. 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 colors, and the acquisition unit configured to transmit a request for access to a transactional system, the request including the account identification data;

an account database configured to store account information; and

a transaction unit configured to

(i) receive from the acquisition unit the request for access to the transactional system,

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

(iii) evaluate corresponding account information in the account database, and

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

21. The system of claim 20 wherein the acquisition unit further includes:

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

22. The system of claim 20 wherein the acquisition unit includes an optical scanner configured to acquire color data from a card, the color data representing a combination of a plurality of colors.

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

includes a database containing a look up table where audio data corresponds to a specific color; and

the acquisition unit is configured to convert color data 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.

24. The system of claim 23 wherein the transaction unit further includes:

a conversion look up table where audio data corresponds to a specific color; and

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

25. Electromagnetic signals propagating on a computer network, 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 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 colors;

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

controlling access to the transactional system based on account information.