System and method for securing financial transactions
First Claim
Patent Images
1. A portable transaction device comprising:
- memory to hold information regarding a financial card;
a slot to interface with a reprogrammable card; and
software to generate single use transaction numbers.
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Abstract
A financial transaction system utilizes multi-factor authentication to secure financial transactions.
619 Citations
20 Claims
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1. A portable transaction device comprising:
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memory to hold information regarding a financial card;
a slot to interface with a reprogrammable card; and
software to generate single use transaction numbers. - View Dependent Claims (2, 3, 4)
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5. A portable transaction device comprising:
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means for interacting with a user to provide a first authentication factor;
means for interacting with a secondary wireless device to provide a second authentication factor; and
software to request a change in value of a pre-paid card. - View Dependent Claims (6, 7, 8, 9, 10, 11)
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12. A portable transaction device comprising:
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a user authentication component to allow a user to authenticate to the portable transaction device;
a cellular telephone component; and
a value transfer component to operatively interface to another portable transaction device to refresh value in a stored value card. - View Dependent Claims (13, 14, 15, 16)
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17. A financial transaction system comprising:
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a reprogrammable financial card; and
a cellular telephone having an interface to communicate with the reprogrammable card, wherein the cellular telephone includes a software component to request a change in value of a financial account. - View Dependent Claims (18, 19, 20)
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Specification