VERIFYING CARDHOLDER IDENTITY USING SIGNATURE OF THE CARD
First Claim
Patent Images
1. A portable device for verifying an identity of a cardholder during a transaction involving a card, the portable device comprising:
- a memory that stores a digital representation of a distinct magnetic characteristic of a magnetic stripe of the card, wherein the magnetic characteristic occurs over one or more predetermined segments of the magnetic stripe;
input logic for receiving a request for verification of the identify of the cardholder; and
output logic for transmitting the digital representation to another electronic device in response to receiving the request.
1 Assignment
0 Petitions
Accused Products
Abstract
Methods, systems, and apparatus for verifying the identity of a cardholder are provided. A digital representation of a magnetic characteristic of a magnetic stripe of the card is stored on a portable electronic device of the cardholder. During a transaction, the digital signature is then transmitted so that it can be compared with a reference signature. The identity may be verified, and a response sent to a party requesting the verification, e.g., during a transaction between the requesting party and the verified party.
-
Citations
26 Claims
-
1. A portable device for verifying an identity of a cardholder during a transaction involving a card, the portable device comprising:
-
a memory that stores a digital representation of a distinct magnetic characteristic of a magnetic stripe of the card, wherein the magnetic characteristic occurs over one or more predetermined segments of the magnetic stripe; input logic for receiving a request for verification of the identify of the cardholder; and output logic for transmitting the digital representation to another electronic device in response to receiving the request. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
-
-
12. A method of verifying an identity of a cardholder during a transaction involving a card, the method comprising:
-
receiving, at a portable electronic device of the cardholder, a request for verification of the identify of the cardholder; accessing a memory of the portable electronic device that stores a digital representation of a distinct magnetic characteristic of a magnetic stripe of the card, wherein the magnetic characteristic occurs over one or more predetermined segments of the magnetic stripe; and transmitting the digital representation to another electronic device in response to receiving the request. - View Dependent Claims (13, 14, 15, 16, 17, 18, 19)
-
-
20. A method of verifying an identity of a cardholder during a transaction involving a card, the method comprising:
-
receiving, at a system of an entity associated with an issuer of the card, a digital representation of a distinct magnetic characteristic of a magnetic stripe of the card, wherein the magnetic characteristic occurs over one or more predetermined segments of the magnetic stripe, and wherein the digital representation is sent from a portable electronic device of the cardholder in response to a request for identity verification; comparing the digital representation to a reference representation; and based on the comparison, sending a response for the verification request to a requesting device that made the request for the identity verification. - View Dependent Claims (21, 22, 23, 24, 25, 26)
-
Specification