System for associating identification and personal data for multiple magnetic stripe cards or other sources to facilitate a transaction and related methods
First Claim
1. A system comprising:
- a server configured to store a plurality of personal control IDs and a plurality of sets of personal data, each of the plurality of personal control IDs being associated with a respective different person and a respective set of personal data entered into the server and controlled by the respective different person and configured to store a data profile derived from a set of personal data associated with a personal control ID identifying a selected different person and assembled together by the selected different person for use by a selected one of one or more providers identified by a respective provider ID;
a data processor remote from and in communication with the server; and
a terminal in communication with the data processor and adapted to couple to an ID instrument via a data communication link to receive from the ID instrument the personal control ID identifying the selected different person and to send the personal control ID identifying the selected different person to the data processor, the data processor being configured to transmit to the server the personal control ID identifying the selected different person and the provider ID identifying the selected provider, the server being further configured to retrieve from the plurality of sets of personal data the data profile derived from the set of personal data associated with the personal control ID identifying the selected different person and to transmit to the data processor the data profile for use by the selected provider identified by the provider ID.
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0 Petitions
Accused Products
Abstract
A system to provide a customized set of identification data to facilitate a transaction and related methods are provided. The system includes a server configured to store personal control IDs and sets of personal data and configured to store a data profile derived from a set of personal data associated with a personal control ID identifying a selected different person for use by a selected one of one or more providers identified by a provider ID. The system also includes a data processor remote from and in communication with the server and a point of transaction terminal adapted to couple to an ID instrument to receive a personal control ID identifying a selected different person and to send the personal control ID to the data processor to transmit with a provider ID to the server. The server is further configured to retrieve a data profile derived from the set of personal data associated with the personal control ID and to transmit the data profile for use by the selected provider identified by the provider ID. The system can also include an output device to receive the data profile and to output the data profile to the selected provider to thereby verify the personal control ID as being associated with a user of the personal control ID at the point of transaction prior to proceeding with a transaction.
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Citations
41 Claims
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1. A system comprising:
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a server configured to store a plurality of personal control IDs and a plurality of sets of personal data, each of the plurality of personal control IDs being associated with a respective different person and a respective set of personal data entered into the server and controlled by the respective different person and configured to store a data profile derived from a set of personal data associated with a personal control ID identifying a selected different person and assembled together by the selected different person for use by a selected one of one or more providers identified by a respective provider ID; a data processor remote from and in communication with the server; and a terminal in communication with the data processor and adapted to couple to an ID instrument via a data communication link to receive from the ID instrument the personal control ID identifying the selected different person and to send the personal control ID identifying the selected different person to the data processor, the data processor being configured to transmit to the server the personal control ID identifying the selected different person and the provider ID identifying the selected provider, the server being further configured to retrieve from the plurality of sets of personal data the data profile derived from the set of personal data associated with the personal control ID identifying the selected different person and to transmit to the data processor the data profile for use by the selected provider identified by the provider ID. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10)
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11. A system comprising:
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a terminal adapted to couple to an ID instrument via a data communication link to receive from the ID instrument a personal control ID identifying a selected different person and to send the personal control ID identifying the selected different person; a computer configured to store a plurality of personal control IDs and a plurality of sets of personal data entered into the computer and controlled by each respective different person, configured to store a data profile derived from a set of personal data associated with the personal control ID identifying the selected different person and assembled together by the selected different person for use by a selected one of one or more providers identified by a provider ID, configured to retrieve from the plurality of sets of personal data the data profile derived from the set of personal data associated with the personal control ID identifying the selected different person, and configured to send the data profile for use by the selected provider identified by the provider ID; and an output device configured to receive at least a portion of the data profile sent from the computer and to output the data profile to the selected provider to thereby verify the personal control ID as being associated with a user of the personal control ID at the point of transaction prior to proceeding with a transaction. - View Dependent Claims (12, 13)
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14. A method for providing a customized set of identification data to facilitate a transaction, the method comprising the steps of:
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acquiring a personal ID of a user form an ID instrument; submitting a request to a computer for at least a portion of a set of personal data of the user along with both the personal ID of the user and a provider ID of a provider; providing customized data for use by the provider identified by the provider ID to identify the user, the customized data begin based on a data profile derived from the set of personal data of the user; receiving a set of personal data from the user; receiving the personal ID from the user to associate with the set of personal data; deriving the data profile from the set of personal data of the user for use by the provider identified by the provider ID responsive to the personal ID and the provider ID to thereby provide customized data to the provider identified by the provider ID; generating a coupon or discount offer defining an incentive to the user for making future purchases responsive to a transaction between the user and a merchant; and associating the incentive with the personal data of the user. - View Dependent Claims (15, 16)
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17. A method for providing a customized set of identification data to facilitate a transaction, the method comprising the steps of:
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providing credentials to a first user by an ID provider, the step of providing including providing credentials to a computer for later access by the first user and converting the data into point-of-sale or point of transaction ready form prior to the accessing by the first user; storing the credentials in the memory of a first ID instrument in possession of the first user; and forwarding the credentials from the first user over a communication network to a second ID instrument in the possession of a second user to thereby enable for use by the second user transaction data accessible to the first ID instrument. - View Dependent Claims (18, 19, 20, 21)
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22. A method for providing a customized set of identification data to facilitate a transaction, the method comprising:
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providing credentials to a first user bY an ID provider, the first user being the owner of the credentials; storing the credentials in the memory of a first ID instrument in possession of the first user; and forwarding the credentials from the first user over a communication network to a second ID instrument in the possession of a second user to thereby enable use by the second user transaction data accessible to the first ID instrument, the step of forwarding including transmitting only basic access data to the second user to allow the second user to access the transaction data from the computer.
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23. A method for providing a customized set of identification data to facilitate a transaction, the method comprising the steps of:
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receiving a set of personal data of a user defining user credentials to add the user to a user network; associating a personal ID with the user credentials; deriving a data profile from the user credentials for use by a provider to thereby provide customized data to the provider; acquiring the personal ID of the user from an ID instrument; identifying the user as a member of the user network responsive to the personal ID; providing customized data to the provider; recording the date, time and transaction location of each recognition of the personal ID associated with the user network defining logged data; and providing the user access to that logged data. - View Dependent Claims (24, 25, 26)
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27. A method for providing a customized set of identification data to facilitate a transaction, the method comprising the steps of:
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receiving a set of personal data of a user defining user credentials to add the user to a user network; associating a plurality of personal IDs with the user credentials; deriving a data profile from the user credentials for use by a provider, the step of deriving including associating user credentials from a plurality of ID providers with user credentials provided by a single provider to thereby provide customized data to the provider; acquiring the personal ID of the user from an ID instrument; identifying in the user as a member of the user network responsive to the personal ID; and providing customized data to the provider including providing a message associated with one of the personal IDs indicating transaction instructions to the provider.
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28. A computer readable medium that is readable by a computer providing a customized set of identification data to facilitate a transaction, the computer readable medium comprising a set of instructions that, when executed by the computer, cause the computer to perform the operations of:
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receiving a set of personal data from a remotely positioned user; receiving a personal ID from the user to associate with the set of personal data; deriving a data profile from the set of personal data of the user responsive to the personal ID and the provider ID to thereby provide customized data for use by a provider identified by a provider ID; receiving a request for at least a portion of the set of personal data of the user along with both the personal ID of the user and the provider ID of the provider; associating a plurality of personal IDs with the set of personal data; and associating with one of the personal IDs a message indicating transaction instructions to the provider. - View Dependent Claims (29, 30, 31, 32)
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33. A computer readable medium that is readable by at least one processor, the computer readable medium comprising a set of instructions that, when executed by the at least one processor, individually or in unison, cause the at least one processor to perform the operations of:
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providing credentials to a first user by an ID provider, the providing including providing credentials to a computer for later access b the first user and converting the data into point-of-sale or point of transaction read form prior to the accessing by the first user; storing the credentials in memory of a first ID instrument in possession of the first user; and forwarding the credentials from the first ID instrument to a second ID instrument in possession of a second user to thereby allow for receipt of data otherwise stored on the first ID instrument. - View Dependent Claims (34, 35, 36, 37)
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38. A computer readable medium that is readable by at least one processor, the computer readable medium comprising a set of instructions that, when executed by the at least one processor, individually or in unison, cause the at least one processor to perform the operations of:
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providing credentials to a first user by an ID provider, the first user being the owner of the credentials; storing the credentials in memory of a first ID instrument in possession of the first user; and forwarding the credentials from the first ID instrument to a second ID instrument in possession of a second user to thereby allow for receipt of data otherwise stored on the first ID instrument, the operation of forwarding including transmitting only basic access data to the second user to allow the second user to access the data from the computer.
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39. A computer readable medium that is readable by a computer providing a customized set of identification data to facilitate a transaction, the computer readable medium comprising a set of instructions that, when executed by the computer, cause the computer to perform the operations of:
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receiving a set of personal data of a user defining user credentials to add the user to a user network; associating a personal ID with the user credentials; deriving a data profile from the user credentials for use by a provider to thereby provide customized data to the provider; receiving the personal ID of the user from an ID instrument; identifying the user as a member of the user network responsive to the personal ID; providing customized data to the provider; recording the date, time and transaction location of each recognition of the personal ID associated with the user network defining logged data; and providing the user access to that logged data. - View Dependent Claims (40, 41)
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Specification