Financial and similar identification cards and methods relating thereto

• US 7,328,850 B2
• Filed: 04/07/2005
• Issued: 02/12/2008
• Est. Priority Date: 08/12/2004
• Status: Expired due to Fees

• Current Assignee: Codecard Incorporated
• Original Assignee: Codecard Incorporated
• Inventors: Sines, Randy D.
• Primary Examiner(s): Lee; Seung Ho
• Assistant Examiner(s): TAYLOR, APRIL ALICIA
• Application Number:
  US11/102,535
• Publication Number:
  US 20060032908A1
• Time in Patent Office: 1,041 Days
• Field of Search: 235/380, 235/451, 235/492, 235/487
• US Class Current: 235/492
• CPC Class Codes: G06K 19/06187 with magnetically detectable marking
• CPC Class Codes: G06K 19/10 at least one kind of marking being used for authentication, e.g. of credit or identity cards verification of coded identity or credit cards in mechanisms actuated by them G07F7/12
• 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: H04K 3/41 characterized by the control of the jamming activation or deactivation time control of jamming activation and deactivation time only for the purpose of alternating between jamming mode and target monitoring mode H04K3/45
• CPC Class Codes: H04K 3/62 by exposing communication, processing or storing systems to electromagnetic wave radiation, e.g. causing disturbance, disruption or damage of electronic circuits, or causing external injection of faults in the information
• CPC Class Codes: H04K 3/86 related to preventing deceptive jamming or unauthorized interrogation or access, e.g. WLAN access or RFID reading record carriers with integrated circuit chips including means for preventing undesired reading or writing from or to record carriers by hindering electromagnetic reading or writing G06K19/07318; arrangements for sensing record carriers including arrangements for protecting the interrogation against piracy attacks G06K7/10257

Abstract

Apparatuses forming portable identification cards and associated methods are described. A preferred apparatus includes an input device adapted for a consumer to enter authentication data, a memory for storing reference data, a processor configured to compare the authentication data entered by the consumer to the reference data stored in the memory to determine whether the authentication data entered by the consumer is valid authentication data, an indicator for informing a merchant when the processor has determined that the consumer has entered valid authentication data, and a power source adapted to supply power to the processor and the indicator. Other features are also disclosed.

Claims

1. An apparatus forming a portable identification card which can be read using a magnetic card reader, comprising:

a magnetic stripe on the portable identification card for storing information readable by the card reader;

at least one input device on the portable identification card allowing a consumer to enter authentication data;

a memory for storing reference data mounted to the portable identification card;

a processor mounted to the portable identification card and configured to validate or invalidate the authentication data entered by the consumer relative to the reference data stored in the memory to determine whether the authentication data entered by the consumer is valid or invalid authentication data;

an indicator configured to inform a merchant when the processor has determined that the consumer has entered valid authentication data;

at least one changeable symbol display for displaying a plurality of changeable symbols selected from a plurality of numeric, alphabetic or other symbols;

a power source adapted to supply power to the processor and the indicator.

2. The apparatus according to claim 1 wherein the indicator is a visual indicator.

3. The apparatus according to claim 1 wherein the at least one input device comprises at least one key adapted to provide authentication data entered by the consumer.

4. The apparatus according to claim 1 wherein the at least one input device comprises a biometric sensor adapted to receive the authentication data entered by the consumer.

5. An apparatus forming a portable identification card, comprising:

at least one input device on said portable identification card for a user to enter authentication data;

a memory on said portable identification card for storing data including reference data;

a processor on said portable identification card configured to perform a validation analysis of the authentication data entered by the user relative to the reference data stored in the memory to determine whether the authentication data entered by the user is valid or invalid authentication data;

at least one indicator on said portable identification card configured to inform a merchant when the processor has determined that the user has entered valid authentication data;

at least one changeable symbol display for displaying a plurality of changeable symbols selected from a plurality of numeric, alphabetic or other symbols;

a power source adapted to supply power for the apparatus.

6. The apparatus according to claim 5 wherein the indicator is a visual indicator.

7. The apparatus according to claim 5 wherein the at least one input device comprises at least one key adapted to receive the authentication data entered by the user.

8. The apparatus according to claim 5 wherein the at least one input device comprises a biometric sensor adapted to receive the authentication data entered by the user.

9. A method for using a portable identification card, the method comprising:

entering authentication data using an input integrated with the portable identification card and receive entry of authentication data by a consumer;

comparing the authentication data entered by the consumer to reference data stored in a memory integrated with the portable identification card to determine whether the authentication data entered by the consumer is correct authentication data; and

displaying whether the authentication data entered by the consumer authorizes use of the portable identification card by displaying a security code on at least one changeable symbol display for displaying a plurality of changeable symbols selected from a plurality of numeric, alphabetic or other symbols;

for displaying a changeable code using said at least one symbol to serve in authentication of the user.

10. The method according to claim 9 and further comprising after said displaying step:

presenting the portable identification card to a merchant for use as a method of payment when desiring to make a purchase;

receiving by the merchant the portable identification card from the consumer who desires to make the purchase; and

checking the security code to be informed whether the authentication data entered by the consumer is the correct authentication data;

comparing the displayed security code against a comparison source for the security code.

11. A method according to claim 9 wherein the comparing step is done using a comparison source not on the portable identification card.

12. A method according to claim 9 and wherein the comparison source for the security code is upon the portable identification card.

13. A method for manufacturing a portable identification card, comprising:

providing a card body;

providing an input device integrated with the card body, wherein the input device is adapted for a consumer to enter authentication data;

providing a memory integrated with the card body, wherein the memory is adapted for storing reference data;

providing a processor integrated with the card body, wherein the processor is configured to compare the authentication data entered by the consumer to the reference data stored in the memory to determine whether the authentication data entered by the consumer is correct authentication data;

providing an indicator integrated with the card body, wherein the indicator is configured to inform a merchant when the processor has determined that the consumer has entered the correct authentication data;

providing a symbol display having at least one changeable symbol display for displaying at least one symbol selected from a plurality of numeric, alphabetic or other symbols for displaying a code using said at least one symbol to serve in authentication of the user;

providing a power source integrated with the card body, wherein the power source is adapted to supply power to the identification card.

14. The method according to claim 13 and further comprising:

providing a magnetic stripe on the card body configured to store information and which can be read using a magnetic swipe card reader.