Optically encoded card and system and method for using
First Claim
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.
4 Assignments
0 Petitions
Accused Products
Abstract
A system is provided for facilitating computerized transactions. The system comprises an optically encoded personal information carrier. The carrier comprising a card readable in a CD-ROM drive. The card comprises optically encoded personal information related to a user, the personal information including an account number for one of a credit card and a debit card. A processing device comprises a CD-ROM drive for reading the optically encoded card, and a processor which may including browsing tools for allowing a user to view and select actions to be taken or items for purchase and transaction tools for allowing a user complete a selected transaction. Alternatively, the personal information carrier may include an optically encoded version of the browsing tools and the transaction tools.
230 Citations
34 Claims
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1. A system for facilitating computerized transactions, the system comprising:
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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. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11)
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12. An optically encoded personal information carrier comprising:
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a card readable in an optical input/output device, the card comprising a plate and a hub around the axis of rotation of the card; and optically encoded information on the card, the optically encoded information comprising personal information including an account number, installation and/or execution software, security software, browsing tools, and transaction tools for allowing the user to complete a transaction, wherein when inserted into the optical input/output device, a processing unit associated with the optical input/output device implements the installation and/or execution software, security software, browsing tools for browsing the goods or services at least one merchant and the transaction tools, wherein the 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. - View Dependent Claims (13, 14, 15, 16, 17)
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18. An optically encoded personal information carrier comprising:
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a card readable in an optical input/output device, the card comprising a plate and a hub around an axis of rotation of the card; and optically encoded information on the card, the optically encoded information comprising personal information including an account number, wherein when the carrier is inserted in a processing device having transaction tools, the user is able to complete a transaction with at least one merchant with the optically encoded personal information carrier, wherein the transaction utilizes at least a portion of the optical 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. - View Dependent Claims (19, 20, 21, 22, 23)
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24. An optically encoded information carrier comprising:
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a card readable in a processing device; and optically encoded information on the card comprising installation and/or execution software, security software, and browsing tools and/or transaction tools; wherein when inserted into the processing device, the installation and/or execution software, security software, and browsing tools and/or transaction tools are implemented to process a transaction with at least one merchant upon receipt of required personal information including at least one of an account number and security information, wherein the 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 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. - View Dependent Claims (25, 26, 27, 28, 29)
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30. An optically encoded personal information assembly comprising:
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a card readable in an optical input/output device, the card comprising a plate and a hub around an axis of rotation of the card; optically encoded information on the card, the optically encoded information comprising personal information including an account number and browsing and transaction tools for interacting with at least one merchant; and an intermediate support assembly positionable in direct contact with the optical input/output device and having a portion for supporting the card, wherein the 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 assembly;
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. - View Dependent Claims (31, 32, 33)
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34. A system for facilitating computerized transactions, the system comprising:
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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, wherein the processor is configured to; provide an interface for a user to view and select items associated with at least one merchant utilizing browsing tools on the optically encoded personal information carrier; authenticate a user utilizing at least security tools on the optically encoded personal information carrier, wherein an authentication process limits the user to a predetermined number of authentication attempts; grant the user access to the at least one merchant after the user is authenticated; execute transaction tools on the optically encoded personal information carrier for allowing a user to complete a transaction with the at least one merchant, wherein the transaction utilizes at least a portion of the optically encoded personal information in conjunction with security information stored on the optically encoded personal information carrier, and wherein the credit of the user is verified with a remote database over a network prior to completion of the transaction.
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Specification