CREDIT CARD PROTECTION SYSTEM

• US 20090278660A1
• Filed: 03/11/2009
• Published: 11/12/2009
• Est. Priority Date: 05/09/2008
• Status: Abandoned Application

• Current Assignee: Arthur A. Beisang, Rodney P. Landers
• Original Assignee: Arthur A. Beisang, Rodney P. Landers
• Inventors: Landers, Rodney P., Beisang, Arthur A.
• Application Number:
  US12/402,235
• Publication Number:
  US 20090278660A1
• Time in Patent Office: Days
• US Class Current: 340/5.820
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/3231 Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861

Abstract

The present invention provides positive protection for the machine readable credit card, debit card, etc., against theft by eliminating the presence of visible identifying and correlating information on the credit card or debit card itself until the card is activated by a wireless biometric verification system. The preferred mode of verification includes fingerprint data from the user.

Claims

1. A system for protecting personal data pertaining to the identity of a transaction card user or the like comprising:

a) a detachable element with a magnetic strip capable of being encoded with an identity digital cipher; and

b) a holder element comprising a biometric sensor that initiates the individual identity data for a specified limited number of uses and an element to select one of multiple digital data sets capable of encoding the detachable portion with any of the data sets selected.

2. A system as in claim 1 further comprising an alpha numeric display of identity data on said holder portion during a period of activation.

3. A device as in claim 2 further comprising an element for displaying digital biometric images.

4. A system as in claim 3 further comprising an element for communicating digital identification data via audio or radio frequency transmission.

5. A device as in claim 1 wherein the detachable element comprises a card that can be used in the infrastructure for ATM machines and vendor credit and debit card scanners.

6. A system as in claim 1 wherein the biometric sensor records a biometric of a non-authorized user of the device.

7. A system as in claim 1 including an element that captures and records the GPS location at the time a non-authorized person attempts a biometric sensing event.

8. A system as in claim 6 including an element that captures and records the GPS location at the time a non-authorized person attempts a biometric sensing event.

9. A system as in claim 1 including an element which transmits a wireless signal to a central processor which signal is comprised of the digital biometric data sensed and the GPS location at the time a non-authorized user biometric sensing event occurs.

10. A system as in claim 1 further comprising a radio frequency identity emitting device that enables a specific limited number of communications with a scanner of any private or commercial communication system which has an infrastructure of at least one location that can be accessed by a device for commercial or private transaction purposes.

11. A system as in claim 1 wherein said holder includes an energy source.

12. A system as in claim 10 wherein said holder includes an energy source.

13. A system as in claim 1 including a device that can be used with vendor scanning devices or as a means of admission to secure areas controlled by a scanner.

14. A system as in claim 1 which is capable of being programmed by wireless transmission from a remote location to receive, record and process biometric and other information of an individual in a class of persons being issued in any similar systems.

15. A method of enabling a detachable element with a magnetic strip capable of encoded with an identity digital cipher comprising:

a) using a biometric sensor to initiate individual data; and

b) using said biometric individual identity data to enable said detachable element for a specified limited number of uses, using a magnetic strip scanner or radio frequency receiver.