Transaction system

• US 7,058,603 B1
• Filed: 07/12/2000
• Issued: 06/06/2006
• Est. Priority Date: 01/16/1998
• Status: Expired due to Fees

• Current Assignee: Nexus (Gibraltar Industries Incorporated)
• Original Assignee: Nexus (Gibraltar Industries Incorporated)
• Inventors: Rhiando, Maxwell Earl
• Primary Examiner(s): Elisca, Pierre E
• Application Number:
  US09/614,250
• Time in Patent Office: 2,155 Days
• Field of Search: 713/186, 713/200, 380/284, 380/283, 380/285, 380/29, 380/30, 705/61, 705/51, 705/66, 705/50, 135/380
• US Class Current: 705/50
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G07C 15/005 with dispensing of lottery tickets
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/12 Card verification
• CPC Class Codes: G07F 7/122 Online card verification

Abstract

A transaction system includes a network of terminals and a network of servers each form separate communication networks for impersonal transaction and anonymous transmission. No reference to an individual person exists for executing card transactions at a point of sale. The terminals generate impersonal identifiers for a discrete card and user and the servers receive the impersonal identifiers for datafile matching to authorize a transaction at the point of sale for a discrete card and user. No personal identifiers are carried on the card to identify a cardholder, the card is impersonal.

Claims

1. A transaction system including at least one terminal and at least one card-type server which form a communication network for registering an impersonal card-identifier at the server and issue an impersonal card at the terminal, said system for executing a card-type registration, comprising:

(a) means to receive an unissued card-type in the terminal;

(b) means to originate an impersonal card-identifier in the terminal;

(c) means to write an encrypted registration code on the unissued card-type in the terminal;

(d) means to transmit the impersonal card-identifier to a card-type server;

(e) means to create a discrete datafile record to register the impersonal card-identifier in the database of the card-type server; and

(f) means to transmit an instruction from the server to authorize the card-type transaction at the terminal.

2. A transaction system as in claim 1 for a card-type registration including:

means to detect a discrete user characteristic in a terminal;

means to originate an impersonal user-identifier from the user characteristic in the terminal;

means to transmit the impersonal card-identifier and user-identifier to the card-type server for datafile recording a set of impersonal identifiers in the database of the card-type server; and

means to transmit an instruction from the server to authorize the card-type transaction at the terminal.

3. A transaction system as in claim 2 wherein each impersonal user-identifier is a live-scan image and the system includes means for capturing the said live-scan image in a terminal without reference to an individual user.

4. A transaction system as in claim 1 wherein each impersonal card-identifier is an encrypted registration code for writing and reading on an impersonal card-type and the system includes means for generating the said card-identifier and registration code in a terminal without reference to an individual user.

5. A transaction system as in claim 1 wherein a network of terminals communicate with a network of servers for card-type registration and card-type validation and the system includes means to identify unissued and issued card-types in a terminal for routing impersonal identifier data to the card-type server for each impersonal card-type.

6. A transaction system as in claim 1 wherein the encrypted registration code for each impersonal card-identifier consists of a two-dimensional symbology which forms part of a card-type registration for writing and reading the permanent symbology on an impersonal card-type in a terminal.

7. A transaction system as in claim 6 wherein the card-type registration includes writing a permanent serial number, transaction value or date on an impersonal card-type in a terminal.

8. A transaction system as in claim 1, wherein the card-type registration includes an encrypted registration code with card-type data for writing a permanent entry-line of discrete symbols and characters on an impersonal card-type in a terminal, and the system includes means for originating the card-type data in the database of a card-type server to create a discrete datafile record, and transmitting the card-type data to the terminal for writing and issuing the said registration code and said entry-line on the impersonal card-type.

9. A transaction system as in claim 1 wherein each unissued card-type is pre-printed with an issuer code to identify the name of the grantor and thereby identify the impersonal card-type in a terminal, and the system includes means for incorporating the issuer code in the encrypted registration code for each impersonal card-identifier to identify the card-type server for creating or locating a discrete datafile record.

10. A transaction system as in claim 9 wherein each encrypted card-identifier has a constant order to create the datafile for recording one constant and every encrypted card-identifier with the same constant order thereby locates the same datafile for matching two constants.

11. A transaction system as in claim 9 wherein the encrypted card-identifier is transmitted ahead of the encrypted user-identifier so as to reference a discrete datafile record in the database of a card-type server for datafile recording and datafile matching the set of identifiers in sequential order.

12. A transaction system as in claim 9 wherein the encrypted card-identifier and user-identifier is encoded before transmission and decoded after reception.

13. A transaction system as in claim 1 wherein the same encrypted card-identifier creates a discrete datafile record in the database of a card-type server for datafile recording and locates the same discrete datafile record in the database of the card-type server for datafile matching.

14. A transaction system as in claim 1 wherein each encrypted card-identifier and user-identifier for card-type registration, form a set of impersonal identifiers for datafile recording, and each card-identifier and user-identifier for card-type validation, form a set of impersonal identifiers for datafile matching.

15. A transaction system as in claim 1 for card-type validation, wherein the terminal is adapted for use by a cardholder to execute an impersonal card transaction, in which the terminal incorporates a card slot for inserting an issued card-type and a card scanner and biometric sensor for generating a set of impersonal identifiers, and including means for transmitting the impersonal identifiers to a card-type server for datafile matching, to authorize the impersonal card transaction at the terminal.

16. A system as in claim 1 wherein an issued card-type comprises two portions, which are separable, for printing the same encrypted registration code on a cardholder portion and a grantor portion, and each said portion includes a discrete barrier area for printing thereon the said encrypted registration code, and in which the cardholder portion is used for card-type registration in said system using said terminal for datafile recording in the database of a card-type server.

17. An impersonal card designed and adapted to be used in a terminal for card-type registration and card-type validation carried out in a system according to claim 1, said card comprising a multi-layer material including a layer of the thermographic material covered by a barrier layer to prevent fade and wear of a thermographic image formed on the said material, said thermographic material placed within a discrete barrier area to have printed thereon a card-type registration incorporating an encrypted registration code.

18. An impersonal card as in claim 17 in which the material is machine printed with information on one layer and, separately, the material is terminal printed with information on another layer.

19. An impersonal card as in claim 17 in which the material is constructed in multiple layers for thermographic printing in a terminal for printing permanent images on the material in the discrete barrier area at the second stop position and scanning the permanent registration code image at the first stop position.

20. An impersonal card as in claim 17 in which the material in the discrete barrier area is constructed of two layers comprising a substrate layer with temperature sensitive properties and a barrier layer with light and wear resistant properties applied to the substrate layer.

21. An impersonal card as in claim 20 in which the discrete barrier area is capable of changing state by thermo-chemical reaction or by the thermo-chromic reaction for printing a card-type registration.

22. An impersonal card as in claim 20 in which the barrier layer is applied to the substrate layer by machine printing to deposit a protective coating of ink for terminal printing the information on to the barrier layer.

23. An impersonal card as in claim 17 in which the material is constructed of three layers comprising a substrate layer, a thermal layer with temperature sensitive and adhesive properties applied to the substrate layer and a barrier layer applied to the thermal layer for machine printing information on to the barrier layer.

24. An impersonal card as in claim 17 in which the material is laminate constructed of four or five layers comprising a substrate layer with machine printed information on each face, a transparent film layer with adhesive properties for bonding to one face of the substrate layer, and a transparent film layer with adhesive properties on one side of the film for bonding to the other face of the substrate layer, and an applied thermal layer and barrier layer within a discrete barrier area on the other side of the film for terminal printed information.

25. An impersonal card as in claim 24 in which the discrete barrier area on the transparent film layer is surface treated for machine coating the thermal layer and barrier layer to provide a pre-printed laminate material with a discrete thermal panel for terminal printing thermographic permanent images thereon with wear and light resistant properties.

26. An impersonal card as in claim 17 in which the material is produced as a single item for terminal issue as a card, ticket, token, form or similar for a card-type registration.

27. An impersonal card as in claim 17 in which the material is produced in fan-fold format for terminal issue as a card, ticket, token, form a similar for a card-type registration.

28. An impersonal card as in claim 17 in which the material is produced with spaced apart perforations to provide single items comprising two parts or fan-fold parts for card-type registration.

29. An impersonal card as in claim 17 in which the material is produced with machine printed information for card description on the front and rear face and terminal printed information for card registration on the front or rear face of the material.

30. An impersonal card as in claim 17 in which the material includes opaque barrier areas to define text zones and code zones for machine printing information on the front and rear face of the material.

31. An impersonal card as in claim 17 in which the barrier layer incorporates materials with sensor readable properties for detecting counterfeit material for a card-type registration or card-type validation.

38. A transaction terminal for use with the transaction system of claim 1 for card-type validation, wherein the terminal is adapted for use by an attendant and a cardholder to execute an impersonal card transaction in which the terminal incorporates:

(a) a card sensor and biometric sensor for generating impersonal identifier data in the terminal;

(b) a display and keyboard for generating impersonal transaction data in the terminal, and

(c) a computer and database for compiling the identifier data and transaction data in sequential order for encrypted transmittal, and including means for transmitting the identifier and transaction data to a card-type server for datafile matching to authorize the impersonal card transaction at the terminal.

39. A transaction terminal as in claim 38 is further adapted for use by an attendant and a cardholder to incorporate a card printer for printing a permanent card registration on an unissued card-type and scanning the encrypted registration code in the terminal.

40. A transaction terminal as in claim 38 in which the terminal is adapted for use by an attendant and a cardholder at a point of sale for issuing and accepting impersonal card-types to provide a dual function terminal for attendant and cardholder operation, comprising:

(a) a keyboard and display for use by an attendant to execute an impersonal card transaction at the point of sale; and

(b) a biometric sensor and a further display for use by a cardholder to sanction an impersonal card transaction at the point of sale.

41. A transaction terminal as in claim 40 for card-type validation, wherein the terminal includes a common entry and exit slot to insert an issued card-type for scanning an issuer code and an encrypted registration code at a first stop position in the terminal.

42. A transaction terminal as in claim 40 for card-type registration, wherein the terminal includes a common entry and exit slot and inline pathway for conveying a unissued card-type between a first stop position and a second stop position in a card printer with engaged rollers for gripping and transporting the card, to position the card at the second stop position for printing a card-type registration and to position the card at the first stop position for scanning an issuer code and an encrypted registration code, before removing the card from the exit slot.

43. A terminal as in claim 42 and further comprising a fixing print head and movable platen to provide a pathway for dot-line printing a thermographic card-type registration on the card at the second stop position.

44. A terminal as in claim 42 and further comprising a movable print head and fixed platen to provide a pathway for dot-line printing a thermographic card-type registration on the card at the second stop position.

45. A terminal as in claim 42 and also including a compartment to store a card material in fan-fold format with perforated folds for printing a card-type registration at the second stop position, means for scanning an encrypted registration code at the first stop position and means for dispensing and separating the card material at the exit slot for issuing impersonal card-types at a terminal.

46. A transaction terminal as in claim 38 in which the biometric sensor is adapted to capture a live scan image of the user and comprises guide means for positioning a finger on the sensor by aligning the cuticle of the fingernail with register lines on each side of the sensor.

47. A terminal as in claim 38 and also including detachable side panels for extending the terminal with additional slots to register and validate cards and tickets made of different materials in sheet, reel or fan-fold format.

32. A transaction system including at least one terminal and at least one card-type server which form a communication network for validating an impersonal card-identifier at the server and accept an impersonal card at the terminal, said system for executing a card-type validation, comprising:

(a) means to receive an issued card-type in the terminal;

(b) means to read an encrypted registration code on the issued card-type to generate an impersonal card-identifier in the terminal;

(c) means to transmit the impersonal card-identifier to a card-type server; and

(d) means to locate a discrete datafile record to validate the impersonal card-identifier in the database of the card-type server; and

(e) means to transmit an instruction from the card-type server to authorize the card-type transaction at the terminal.

33. A transaction system as in claim 32 for a card-type validation including:

means to detect a discrete user characteristic in a terminal;

means to generate an impersonal user-identifier from the user characteristic in the terminal;

means to enter a transaction value in the terminal for acceptance at the card-type server;

means to transmit the impersonal card-identifier and user-identifier and identifiers in the database of the card-type server, and accept the transaction value; and

means to transmit an instruction from the server to authorize the card-type transaction at the terminal.

34. A transaction system including a network of terminals and a network of servers which form separate communication networks for executing impersonal transactions, originating impersonal identifiers at the terminals, recording the impersonal identifiers at the servers for card-type registration and authorizing impersonal identifiers at the terminals, said system for executing an impersonal transaction, comprising:

(a) means for receiving an unissued card-type in a terminal;

(b) means for originating an impersonal card-identifier in the terminal;

(c) means for writing an encrypted registration code on the unissued card-type in the terminal;

(d) means for originating an impersonal user-identifier in the terminal;

(e) means for transmitting a set of impersonal identifiers from the terminal to a card-type server to create a discrete datafile record to register the set of impersonal identifiers in the database of a card-type server; and

(f) means for transmitting an instruction from the card-type server to the terminal to authorize the impersonal transaction for a discrete card and user.

35. A transaction system as in claim 34 wherein each impersonal card-identifier is an encrypted registration code for writing and reading on an impersonal card-type and the system includes means for generating the said card-identifier and registration code in a terminal without reference to an individual user.

36. A transaction system as in claim 34 wherein each impersonal user-identifier is a live-scan image and the system includes means for capturing the said five-scan image in a terminal without reference to an individual user.

37. A transaction system including a network of terminals and a network of servers which form separate communication networks for executing impersonal transactions, generating impersonal identifiers at the terminals, matching the impersonal identifiers at the servers for card-type validation and authorizing impersonal identifiers at the terminals, said system for executing an impersonal transaction comprising:

(a) means for receiving an issued card-type in a terminal;

(b) means for reading an encrypted registration code on the issued card-type to generate an impersonal card-identifier in the terminal;

(c) means for generating an impersonal user-identifier in the terminal;

(d) means for generating a transaction value at the terminal;

(e) means for transmitting a set of impersonal identifiers and a transaction value from the terminal to a card-type server;

(f) means to locate a discrete datafile record to validate the set of impersonal identifiers in the database of a card-type server and accept the transaction value; and

(g) means for transmitting an instruction from the card-type server to the terminal to authorize the impersonal transaction for a discrete card and user.