Access card for multiple accounts

• US 5,770,843 A
• Filed: 07/02/1996
• Issued: 06/23/1998
• Est. Priority Date: 07/02/1996
• Status: Expired due to Term

• Current Assignee: NCR Corporation
• Original Assignee: NCR Corporation
• Inventors: Rose, Manning I., Hoevel, Lee W.
• Primary Examiner(s): Hajec, Donald T.
• Assistant Examiner(s): LEE, MICHAEL GUNYOUNG
• Application Number:
  US08/674,557
• Time in Patent Office: 721 Days
• Field of Search: 235/380, 235/379, 235/381, 235/382, 902/30, 902/31
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/227 characterised in that multiple accounts are available, e.g. to the payer
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/347 Passive cards
• 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 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07F 7/1025 Identification of user by a PIN code
• CPC Class Codes: G07F 7/1075 PIN is checked remotely

Abstract

A system for ascertaining identity of a customer based on a single card carried by the customer. The card bears a machine-readable code, which is transmitted to a database at a remote location. The database locates a record associated with the code, which contains one or more account numbers. Associated with each account number is a Personal Identification Number, PIN. (It is possible that all PINs are identical.) The customer selects an account number, and is asked for a PIN. If the PIN given by the customer matches that of the account number, the customer is concluded to be the valid owner of the account, and a transaction is allowed to proceed.

Claims

1. In a self-service kiosk, the improvement comprising:

a) code-accepting means for accepting a code from a user;

b) means for

i) contacting a remote database, and

ii) retrieving a plurality of account numbers from said database which are associated with said codes

iii) retrieving a Personal Identification Number. PIN, for each account number;

iv) presenting said account numbers to the user;

v) prompting the user to select an account number;

vi) prompting the user to enter a PIN for the selected account number; and

vii) if the PIN entered matches that associated with the selected account number, transmitting the selected account number to a system which is different from said remote database.

2. Improvement according to claim 1 in which said code is carried by a wallet-sized card in machine-readable format.

3. Apparatus according to claim 1, in which

i) said code-accepting means reads said code from a wallet-sized card, and

ii) said card is devoid of all symbols, readable either by said code-accepting means or humans, which identify either an institution issuing the card or a person.

4. A method of ascertaining identity of a person at a kiosk, comprising the following steps:

a) accepting a card from the person, which bears a machine-readable code;

b) using said code, retrieving

(i) a plurality of Personal Identification Numbers, PINs, and

(ii) a plurality of account numbers, each being associated with a respective PIN.

from a database situated at a first remote location;

c) accepting a personal PIN from said person;

d) at the kiosk, comparing said personal PIN with one, or more, of said plurality of PINs; and

e) if the personal PIN matches that associated with one of said account numbers transmitting that account number to a system located at a second remote location.

5. Method according to claim 4, and further comprising the step of concluding that said person'"'"'s identity is confirmed, when the PINs are found to match.

6. Method according to claim 4 and further comprising the step of retrieving an account number from said database, based on said code.

7. Method according to claim 6, and further comprising the step of applying a monetary charge to an account represented by said account number.

8. Method according to claim 4, in which said card is

i) wallet-sized and

ii) devoid of all symbols, both machine-readable and human readable, which identify either an institution issuing the card or a person, thereby preventing said kiosk from obtaining access to such symbols through the card.

9. A method of ascertaining identity of a person who is undertaking a transaction, comprising the following steps:

a) accepting a card from the person

i) on which resides a machine-readable number, and

ii) which contains no information identifying its owner or a system issuing the card;

b) transmitting said code to a remote database;

c) receiving, from said database, a plurality of account numbers, each associated with a respective PIN;

d) accepting a personal PIN from said person;

e) inquiring whether said personal PIN matches at least one of said plurality of PINs; and

f) if a match of PINs is found, transmitting the account number associated with the matching PIN to a remote system, which is different from the remote database.