System and method for controlling secured transaction using directionally coded account identifiers

• US 7,938,318 B2
• Filed: 04/03/2007
• Issued: 05/10/2011
• Est. Priority Date: 04/03/2007
• Status: Active Grant

• Current Assignee: Kioba Processing, LLC (IP Investments Group LLC)
• Original Assignee: Intellectual Ventures Holding 32 LLC (Intellectual Ventures LLC)
• Inventors: Fein, Gene S, Merritt, Edward
• Primary Examiner(s): Lee; Michael G
• Assistant Examiner(s): GUDORF, LAURA A
• Application Number:
  US11/695,980
• Publication Number:
  US 20080245855A1
• Time in Patent Office: 1,498 Days
• Field of Search: 235/380, 705/18
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/206 comprising security or operator identification provisions, e.g. password entry
• CPC Class Codes: G06Q 20/385 using an alias or single-use codes
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: Y10S 283/904 Credit card

Abstract

A control method and system provides coded access to a system by acquiring account identification data corresponding to a combination of a plurality of symbols. The account identification data is transmitted, for example to a remote server, to correlate the account identification data against an account database to evaluate corresponding account information. Based on the account information, access to the system may be controlled.

Claims

1. A method, comprising:

receiving, at an acquisition unit, account identification data corresponding to a plurality of non-alphanumeric symbols, wherein the account identification data comprises a written description specifying a rotational orientation for one or more of the plurality of non-alphanumeric symbols, and wherein both the written description and the corresponding non-alphanumeric symbols are displayed as part of receiving the account identification data;

correlating the account identification data against an account database to evaluate corresponding account information; and

controlling access to a transactional system based on the correlating.

2. The method of claim 1, wherein receiving account identification data comprises receiving audio data stored on an identification card, and wherein the non-alphanumeric symbols correspond to a different respective sound of the audio data.

3. The method of claim 1, wherein controlling access to a transactional system comprises controlling access to a credit card system, a debit card system, or a banking system.

4. The method of claim 1, wherein receiving account identification data includes receiving a combination of twelve symbols.

5. The method of claim 1, wherein receiving account identification data includes receiving the written description of the rotational orientation that comprises at least one of:

up, down, left, or right.

6. The method of claim 1, wherein receiving account identification data includes receiving the written description of the rotational orientation that comprises at least one of:

North or East.

22. The method of claim 1, wherein the written description of the one or more non-alphanumeric symbols is displayed adjacent to a corresponding non-alphanumeric symbol on an identification card.

23. The method of claim 1, wherein receiving account identification data includes receiving non-alphanumeric symbols that are stored as audio data on an account card.

30. The method of claim 1, further comprising displaying, by the acquisition unit, the written description and the corresponding non-alphanumeric symbols prior to receiving the account identification data.

7. A method, comprising:

obtaining, by an acquisition unit, account identification data from an account card;

transmitting a request for access to a transactional system, wherein the request comprises the account identification data including a plurality of non-alphanumeric symbols identifying an account, and wherein a written description including a rotational direction of one or more of the plurality of non-alphanumeric symbols is provided on the account card in addition to the plurality of non-alphanumeric symbols;

correlating the account identification data against an account database to evaluate corresponding account information; and

controlling access to the transactional system based on the evaluated account information.

8. The method of claim 7, wherein obtaining account identification data includes obtaining audio data comprising a series of sounds, and wherein the non-alphanumeric symbols correspond to a different respective sound.

9. The method of claim 8, wherein obtaining the series of sounds comprises obtaining voice data.

10. The method of claim 8, wherein obtaining the series of sounds comprises obtaining one or more audio tones stored on the account card.

11. The method of claim 7, wherein controlling access to the transactional system comprises controlling access to a credit card system, a debit card system, or a banking system.

12. The method of claim 7, wherein transmitting a request includes transmitting representations of non-alphanumeric symbols that, in turn, comprise a combination of plural symbol arrays.

13. The method of claim 7, further comprising optically scanning the plurality of non-alphanumeric symbols from the account card.

14. The method of claim 13, further comprising:

identifying the optically scanned non-alphanumeric symbols in a database; and

automatically converting the optically scanned non-alphanumeric symbols into a series of sounds, wherein each sound in the series of sounds corresponds to a respective non-alphanumeric symbol in the database.

15. The method of claim 7, further comprising receiving the plurality of non-alphanumeric symbols from a graphical user interface.

16. The method of claim 7, wherein transmitting a request includes transmitting a representation of the written description in place of transmitting the non-alphanumeric symbols.

24. The method of claim 7, wherein obtaining account identification data includes obtaining audio data corresponding to the plurality of non-alphanumeric symbols.

25. The method of claim 7, wherein transmitting a request includes transmitting a request that includes the written description that is provided on the account card adjacent to the one or more non-alphanumeric symbols, and wherein the written description comprises a name of a corresponding non-alphanumeric symbol.

26. The method of claim 14, wherein transmitting a request for access comprises transmitting the series of sounds.

17. A non-transitory computer readable medium having stored thereon computer executable instructions that, in response to execution by one or more devices, cause the one or more devices to perform operations comprising:

scanning an account card to obtain account identification data, wherein the account identification data is stored as audio data on the account card;

transmitting the account identification data identifying one or more of a plurality of non-alphanumeric symbols displayed on the account card, wherein the audio data comprises an audio representation of the plurality of non-alphanumeric symbols;

correlating the account identification data against an account database to evaluate corresponding account information; and

controlling access to the account information in response to the correlating the account identification data.

18. The computer readable medium of claim 17, wherein the instructions are configured to cause the one or more devices to transmit the account identification data as the audio data.

19. The computer readable medium of claim 17, wherein the account identification data designates a rotational orientation of one or more of the plurality of non-alphanumeric symbols.

20. The computer readable medium of claim 19, wherein the instructions are configured to cause the one or more devices to associate a non-alphanumeric symbol oriented in a first rotational orientation with a first account, and wherein the instructions are further configured to cause the one or more devices to associate a non-alphanumeric symbol oriented in a second rotational orientation with a second account.

21. The computer readable medium of claim 17, wherein the instructions are configured to cause the one or more devices to store the audio data on a magnetic strip of the account card.

27. An apparatus, comprising:

means for scanning an account card to obtain account identification data, wherein the account identification data is stored as audio data on the account card;

means for transmitting the account identification data identifying one or more of a plurality of non-alphanumeric symbols displayed on the account card;

means for correlating the account identification data against an account database to evaluate corresponding account information; and

means for controlling access to the account information in response to the correlating the account identification data.

28. The apparatus of claim 27, wherein the account identification designates a rotational orientation of one or more of the plurality of non-alphanumeric symbols.

29. The apparatus of claim 27, wherein the audio data comprises an audio representation of the plurality of non-alphanumeric symbols.