WO2003044721A3 - Transaction card system having security against unauthorized usage - Google Patents

Transaction card system having security against unauthorized usage Download PDF

Info

Publication number
WO2003044721A3
WO2003044721A3 PCT/US2002/037048 US0237048W WO03044721A3 WO 2003044721 A3 WO2003044721 A3 WO 2003044721A3 US 0237048 W US0237048 W US 0237048W WO 03044721 A3 WO03044721 A3 WO 03044721A3
Authority
WO
WIPO (PCT)
Prior art keywords
transaction card
host
card
card system
security against
Prior art date
Application number
PCT/US2002/037048
Other languages
French (fr)
Other versions
WO2003044721A2 (en
Inventor
Robert L Burchette Jr
Original Assignee
Robert L Burchette Jr
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Robert L Burchette Jr filed Critical Robert L Burchette Jr
Priority to JP2003546284A priority Critical patent/JP4271576B2/en
Priority to AU2002360404A priority patent/AU2002360404A1/en
Priority to BR0214294-5A priority patent/BR0214294A/en
Priority to MXPA04004709A priority patent/MXPA04004709A/en
Priority to EP02795655A priority patent/EP1446759B1/en
Priority to CA2467540A priority patent/CA2467540C/en
Publication of WO2003044721A2 publication Critical patent/WO2003044721A2/en
Publication of WO2003044721A3 publication Critical patent/WO2003044721A3/en

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—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
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0866—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by active credit-cards adapted therefor
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0873—Details of the card reader
    • G07F7/088—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself
    • G07F7/0886—Details of the card reader the card reader being part of the point of sale [POS] terminal or electronic cash register [ECR] itself the card reader being portable for interacting with a POS or ECR in realizing a payment transaction

Abstract

A system having a host (see Fig 5)having information regarding at least one transaction card account is disclosed. The host transfers card data to a drone card in the host . The host includes a biometric sensor or other suitable identification means(102) for authentication of the user prior to use of the drone card. Once the user is authenticated the drone card p rovides a readable identifier that corresponds to a transaction card account selected by the user.
PCT/US2002/037048 2001-11-19 2002-11-19 Transaction card system having security against unauthorized usage WO2003044721A2 (en)

Priority Applications (6)

Application Number Priority Date Filing Date Title
JP2003546284A JP4271576B2 (en) 2001-11-19 2002-11-19 Transaction card system with safety to prevent unauthorized use
AU2002360404A AU2002360404A1 (en) 2001-11-19 2002-11-19 Transaction card system having security against unauthorized usage
BR0214294-5A BR0214294A (en) 2001-11-19 2002-11-19 Transaction card system, and method for registering the same
MXPA04004709A MXPA04004709A (en) 2001-11-19 2002-11-19 Transaction card system having security against unauthorized usage.
EP02795655A EP1446759B1 (en) 2001-11-19 2002-11-19 Transaction card system having security against unauthorized usage
CA2467540A CA2467540C (en) 2001-11-19 2002-11-19 Transaction card system having security against unauthorized usage

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US33303501P 2001-11-19 2001-11-19
US60/333,035 2001-11-19

Publications (2)

Publication Number Publication Date
WO2003044721A2 WO2003044721A2 (en) 2003-05-30
WO2003044721A3 true WO2003044721A3 (en) 2003-11-13

Family

ID=23300978

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2002/037048 WO2003044721A2 (en) 2001-11-19 2002-11-19 Transaction card system having security against unauthorized usage

Country Status (9)

Country Link
US (1) US6991155B2 (en)
EP (1) EP1446759B1 (en)
JP (1) JP4271576B2 (en)
CN (1) CN1610911A (en)
AU (1) AU2002360404A1 (en)
BR (1) BR0214294A (en)
CA (1) CA2467540C (en)
MX (1) MXPA04004709A (en)
WO (1) WO2003044721A2 (en)

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