System and method for acquisition and encoding of ATM card data
First Claim
1. A system for acquiring and encoding data needed to issue an ATM card, using a standard telephone network comprising:
- a. telephone network interface means;
b. means, electrically linked to said telephone network interface means, for performing analog to digital and digital to analog data conversion;
c. means for storing digital data;
d. computer processor means linking said data conversion means to said data storage means;
e. said processor means further adapted for executing and processing, in conjunction with said data conversion and data storage means, a sequence of data acquisition, storage, and transmission steps including generation of voice inquiries over said telephone network, receiving of and converting analog response data, and digital storage of said converted analog response data; and
f. means, operatively connected to said processor means, for encoding said digitally stored analog response data on an ATM card at the time of issue of said card.
6 Assignments
0 Petitions
Accused Products
Abstract
A system and method which allows an individual customer to select his or her own personal identification number for an ATM card through use of a telephone line. The system generally comprises a voice response unit linked to both existing telephone networks and a card encoding/embossing unit. The voice response unit is interactive to allow the acquisition and storage of data to be encoded. The system voice prompts, stores, and voice confirms the client identification data and transaction order number to the customer representative. The system then voice prompts, stores, and voice confirms to the customer his or her chosen PIN outside the range of perception of the customer representative. The system receives the requested PIN and combines it with the existing client data base. The system generates the initial encoding data and enters the data into the database. The appropriate transaction order number in the voice response unit is located, and the selected PIN is accessed. The PIN is incorporated into the encoding database using the existing client PIN encryption algorithm to calculate the PIN offset. The encoding data base is transmitted to the card embossing the encoding machine for production of the ATM card.
65 Citations
10 Claims
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1. A system for acquiring and encoding data needed to issue an ATM card, using a standard telephone network comprising:
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a. telephone network interface means; b. means, electrically linked to said telephone network interface means, for performing analog to digital and digital to analog data conversion; c. means for storing digital data; d. computer processor means linking said data conversion means to said data storage means; e. said processor means further adapted for executing and processing, in conjunction with said data conversion and data storage means, a sequence of data acquisition, storage, and transmission steps including generation of voice inquiries over said telephone network, receiving of and converting analog response data, and digital storage of said converted analog response data; and f. means, operatively connected to said processor means, for encoding said digitally stored analog response data on an ATM card at the time of issue of said card. - View Dependent Claims (2, 3, 4, 5, 6)
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7. A method for acquiring and encoding ATM card data prior to card issue comprising the steps of:
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a. computer processor generated voice prompting, over a conventional telephone network, of said ATM card data; b. electrically receiving said prompted ATM card data, as transmitted over said telephone network in analog form; c. electrically converting said receiving ATM card data from analog to digital format; d. storing said converted data on computer processor controlled storage means; e. electrically transmitting said converted ATM card data to means adapted for encoding said data on a conventional ATM card; and f. encoding said ATM card data. - View Dependent Claims (9)
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8. A method for acquiring from a financial institution and encoding ATM card data prior to card issue comprising the steps of:
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a. computer processor generated voice prompting, over a conventional telephone network, of said ATM card data; b. electrically receiving said prompted ATM card data, as transmitted over said telephone network in analog form; c. generating and voice prompting over said telephone network a transaction number unique to each ATM card data acquisition transaction; d. electronically converting said received ATM card data from analog to digital format; e. storing said converted data and said generated transaction number on first computer processor controlled storage means; f. receiving from said financial institution digital transaction data associated with opening an ATM card account, said transaction data including said previously generated transaction number; g. storing said digital transaction data on second computer processor controlled storage means; h. comparing and matching said transaction numbers stored on said first storage means with transaction numbers on said second storage means; i. combining said converted ATM card data from said first storage means with said matched transaction data from said second storage means; j. electrically transmitting said combined converted ATM card and transaction data to means adapted for encoding said data on a conventional ATM card; and l. encoding said ATM data.
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10. A method for acquiring and encoding ATM card PIN data prior to card issue using a conventional telephone network comprising the steps of:
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a. computer processor generated voice prompting over said network of data identifying the entity initiating the ATM card PIN selection transaction; b. electrically receiving said entity identification data as transmitted over said telephone network in analog form; c. electronically converting said received identification data from analog to digital format; d. storing said converted identification data on first computer processor controlled storage means; e. generating a transaction number unique to said PIN selection transaction and transmitting said number over said telephone network by said computer processor generated voice; f. storing said generated transaction number on said first computer processor controlled storage means in association with said previously stored identification data; g. computer processor generated voice prompting over said telephone network of a preferred ATM card PIN; h. electrically receiving said prompted PIN as transmitted over said telephone network in analog form; i. electronically converting said PIN from analog to digital format; j. storing said converted PIN on said first computer processor controlled storage means in association with said previously stored identification data and said previously stored transaction number; k. receiving from said transaction initiating entity digital transaction data associated with opening of said ATM card account, said data including said transaction number previously delivered to said entity by computer processor generated voice; l. storing said digital transaction data on second computer processor controlled storage means; m. comparing said transaction number portion of said digital transaction data on said second computer processor controlled storage means with said transaction number stored on said first computer controlled storage means; n. using said PIN associated with said transaction number matched on said first computer controlled storage means, calculate a PIN offset number using an algorithm unique to said PIN selection initiating entity; o. electrically transmitting said calculated PIN offset and at least a portion of said transaction data to means adapted for encoding said offset and said data on a conventional ATM card; and p. encoding said ATM card with said offset and said data.
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Specification