One-time password credit/debit card
First Claim
Patent Images
1. A credit/debit card comprising:
- one or more input devices positioned on the credit/debit card and configured to enable a user of the credit/debit card to input information into the credit/debit card including a challenge response, wherein the one or more input devices comprises a plurality of buttons corresponding to a plurality of characters, wherein a challenge response comprises a plurality of characters, and wherein a challenge response may be input into the credit/debit card using the plurality of buttons;
a processor in communication with the one or more input devices, wherein said processor is configured to determine whether an input challenge response is successful;
a one-time password generator configured to generate a one-time password based at least partially on the challenge response input by the user into the credit/debit card;
a display for displaying the one-time password;
a power source; and
an authentication device allowing the credit/debit card to be used for performing credit/debit transactions.
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Abstract
A one-time password (OTP) generator in combination with a conventional credit/debit card comprising a card having a magnetic bar stripe, raised imprint card numbers and name, expiration date and four digit code as are known in the art is provided. Full smart card functionality may also be provided. The card also includes a microprocessor and software, dedicated chip or a memory chip for generating the OTP. A visual and/or audio display is provided on the card to output the OTP to the user. The end user inputs the OTP to access the secured system. The credit/debit card functionality may be used apart from the OTP generator functionality.
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Citations
32 Claims
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1. A credit/debit card comprising:
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one or more input devices positioned on the credit/debit card and configured to enable a user of the credit/debit card to input information into the credit/debit card including a challenge response, wherein the one or more input devices comprises a plurality of buttons corresponding to a plurality of characters, wherein a challenge response comprises a plurality of characters, and wherein a challenge response may be input into the credit/debit card using the plurality of buttons; a processor in communication with the one or more input devices, wherein said processor is configured to determine whether an input challenge response is successful; a one-time password generator configured to generate a one-time password based at least partially on the challenge response input by the user into the credit/debit card; a display for displaying the one-time password; a power source; and an authentication device allowing the credit/debit card to be used for performing credit/debit transactions. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 27, 28, 29)
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15. A method for generating a one-time password using a credit/debit card, the method comprising:
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receiving, by the credit/debit card, a challenge response inputted into the credit/debit card by a user of the credit/debit card, wherein the credit/debit card comprises one or more input devices configured to enable the user to input the challenge response, wherein the one or more input devices comprises a plurality of buttons corresponding to a plurality of characters, wherein a challenge response comprises a plurality of characters, and wherein a challenge response may be input into the credit/debit card using the plurality of buttons, one or more output devices, and a one-time password generator; determining whether an input challenge response is successful generating, by the one-time password generator, a one-time password based at least partially on a challenge response input by a user; and outputting, by the one or more output devices comprising a display, the one-time password to the user via the display. - View Dependent Claims (16, 17, 18, 19, 20, 21, 22, 23, 30, 31, 32)
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24. An apparatus comprising:
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a challenge module for presenting a challenge to a user, said challenge module comprising a plurality of buttons corresponding to a plurality of characters, wherein a challenge response comprises a plurality of characters, and wherein a challenge response may be input into the credit/debit card using the plurality of buttons; memory for receiving a challenge response inputted into the apparatus in response to the challenge being presented to the user; a processor in communication with the one or more input devices, wherein said processor is configured to determine whether an input challenge response is verified; a generator for generating a one-time password based at least partially on the challenge response input by the user; a device for presenting the one-time password; and an authentication device allowing the apparatus to be used for performing transactions. - View Dependent Claims (25, 26)
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Specification