Anti fraud card system

• US 20050200513A1
• Filed: 03/12/2004
• Published: 09/15/2005
• Est. Priority Date: 03/12/2004
• Status: Abandoned Application

• Current Assignee: Bruno Boily, Jean-Francois Migneault
• Original Assignee: Bruno Boily, Jean-Francois Migneault
• Inventors: Migneault, Jean-Francois, Boily, Bruno
• Application Number:
  US10/799,517
• Publication Number:
  US 20050200513A1
• Time in Patent Office: Days
• US Class Current: 341/176
• CPC Class Codes: G06F 21/77 in smart cards
• CPC Class Codes: G07F 7/082 Features insuring the integrity of the data on or in the card
• CPC Class Codes: G07F 7/084 Additional components relating to data transfer and storing, e.g. error detection, self-diagnosis
• CPC Class Codes: G07F 7/127 in which both online and offline card verification can take place

Abstract

An anti fraud card system consists of two physically distinct components: The first is a card having a built-in battery; an infrared receiver; a processor; a non-volatile memory; and a strip to receive a signal from the processor which is captured by a card swipe machine. The second is a compact, easily disguisable transmitter which comprises a processor; a battery; a non-volatile memory; and an infrared transmitter. Besides the two above mentioned physical components, a third important component is the user who inputs a secret sequence into the transmitter so that the transmitter in fact transmits two codes, one contained in memory inside the transmitter and the other in the memory of the user which inputs a memorized sequence using buttons on the transmitter. These two codes combine with a third code contained in the memory of the card. The user also controls the duration that the signal from the transmiter transmits over to the card by the duration he depresses the transmit button.

Claims

1. A method of using an anti fraud card system comprising a card component and a transmitter component both physically separate and distinct from each other and comprised of a built-in battery, a CPU to handle various processes, a non-volatile memory to hold coding information, with said card component further comprising a signal strip and a receiver while said transmitter further comprising a transmitter module and having the following improvement on the method of use:

a user hands out his card to a vendor, when a vendor is about to swipe said card, said user activates a first third of a code by pressing a button sequence on a keypad;

said button sequence also triggers a second third of a code and both codes are transmitted from said transmitter over to said card and said CPU inside said card processes said codes and combines it with a third part of a code contained in said card'"'"'s own non-volatile memory module in order to create a complete ID code;

said ID code is processed so as to be sent out to a signal strip in a recognizable pattern readable by a standard magnetic strip reader handled by said vendor;

as soon as said transmitter stops sending said signal, said CPU that is in said card erases said code parts sent by said transmitter and ceases to send the signal to said signal strip to render said card unusable.

2. An anti-fraud card system as in claim 1 wherein:

said transmitter transmits an IR signal and said card receives an IR signal.

3. An anti-fraud card system as in claim 1 wherein:

when said user releases the last button, said transmitter ceases to send the signal to said signal strip to render said card unusable.

4. An anti-fraud card system as in claim 1 wherein:

when said user releases the last button, the signal continues to be sent for a preset duration.

5. An anti-fraud card system as in claim 1 wherein:

said transmitter has a keypad having three buttons.