Dual Device Security for Loyalty and Other Transactions

• US 20140089076A1
• Filed: 11/26/2013
• Published: 03/27/2014
• Est. Priority Date: 04/11/2012
• Status: Abandoned Application

• Current Assignee: Geoffrey R. Ingalls, Howard M. Svigals, Jerome Svigals, John D. Hipsley
• Original Assignee: Geoffrey R. Ingalls, Howard M. Svigals, Jerome Svigals, John D. Hipsley
• Inventors: Svigals, Jerome, Svigals, Howard M., Hipsley, John D., Ingalls, Geoffrey R.
• Application Number:
  US14/091,244
• Publication Number:
  US 20140089076A1
• Time in Patent Office: Days
• US Class Current: 705/14.27
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• CPC Class Codes: G06F 21/44 Program or device authentication
• CPC Class Codes: G06Q 30/0226 Incentive systems for frequent usage, e.g. frequent flyer miles programs or point systems
• CPC Class Codes: H04L 63/00 Network architectures or network communication protocols for network security cryptographic mechanisms or cryptographic arrangements for secret or secure communication H04L9/00; network architectures or network communication protocols for wireless network security H04W12/00; security arrangements for protecting computers or computer systems against unauthorised activity G06F21/00
• CPC Class Codes: H04L 9/3228 One-time or temporary data, i.e. information which is sent for every authentication or authorization, e.g. one-time-password, one-time-token or one-time-key
• 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
• CPC Class Codes: H04L 9/3234 involving additional secure or trusted devices, e.g. TPM, smartcard, USB or software token network architectures or network communication protocols for supporting authentication of entities using an additional device in a packet data network H04L63/0853

Abstract

Methods and systems for operating a Smart Device 102 with a secure communication system used in loyalty and other applications. An application controlling institution response device (ACIRD) 81 comprises a processing module 86 and a communications module 82 for communicating with at least one Smart Device 102 and with at least one application controlling institution 101. The ACIRD 81 is adapted to store on behalf of one or more participating entities an accounting of at least one of inducements, rebates, loyalty points, and rewards earned by or attributable to users of the Smart Device(s) 102.

Claims

1. An application controlling institution response device (ACIRD), comprising:

a processing module; and

a communications module for communicating with at least one smart device and with at least one application controlling institution;

wherein

said ACIRD is adapted to store on behalf of one or more participating entities an accounting of at least one of inducements, rebates, loyalty points, and rewards earned by or attributable to users of the smart device(s).

2. The ACIRD of claim 1 wherein the ACIRD is an automated teller machine (ATM) configured to dispense cash to users of the smart device(s).

3. The ACIRD of claim 1 wherein the ACIRD is a ticket dispenser, dispensing tickets to at least one of a theatrical event and a sporting event.

4. The ACIRD of claim 1 wherein the ACIRD comprises a database storing, on behalf of users of smart devices having authorization to utilize the ACIRD, loyalty point information that is incremented or decremented based upon authorized activities by said users.

5. The ACIRD of claim 1 wherein the participating entities are from the group of entities comprising merchants, corporations, fraternal organizations, and nonprofit organizations.