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Optically encoded card and system and method for using

  • US 7,526,449 B1
  • Filed: 04/17/2001
  • Issued: 04/28/2009
  • Est. Priority Date: 04/17/2001
  • Status: Active Grant
First Claim
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1. A system for facilitating computerized transactions, the system comprising:

  • an optically encoded personal information carrier, the carrier comprising a card readable in an optical input/output device, the card comprising optically encoded personal information related to a user, the personal information including an account number;

    a processing device comprising an optical input/output device for reading the optically encoded card; and

    a processor including browsing tools for allowing a user to view and select items associated with at least one merchant and transaction tools for allowing a user to complete a transaction with the at least one merchant, wherein a transaction utilizes at least a portion of the optically encoded personal information in conjunction with security information stored in an alternative medium on the optically encoded personal information carrier;

    wherein the user is granted access to the at least one merchant after the user is authenticated, and wherein an authentication process limits the user to a predetermined number of authentication attempts.

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