WO2006044940A3 - Secure cards and methods - Google Patents

Secure cards and methods Download PDF

Info

Publication number
WO2006044940A3
WO2006044940A3 PCT/US2005/037543 US2005037543W WO2006044940A3 WO 2006044940 A3 WO2006044940 A3 WO 2006044940A3 US 2005037543 W US2005037543 W US 2005037543W WO 2006044940 A3 WO2006044940 A3 WO 2006044940A3
Authority
WO
WIPO (PCT)
Prior art keywords
methods
cards
secure cards
present
credit
Prior art date
Application number
PCT/US2005/037543
Other languages
French (fr)
Other versions
WO2006044940A2 (en
Inventor
Lawrence Johanns
Klinggraeff Henning W Von
Original Assignee
Veritec Inc
Lawrence Johanns
Klinggraeff Henning W Von
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 Veritec Inc, Lawrence Johanns, Klinggraeff Henning W Von filed Critical Veritec Inc
Priority to CN2005800411008A priority Critical patent/CN101069187B/en
Priority to CA002584155A priority patent/CA2584155A1/en
Priority to EP05810114A priority patent/EP1842124A4/en
Priority to AU2005295335A priority patent/AU2005295335A1/en
Publication of WO2006044940A2 publication Critical patent/WO2006044940A2/en
Publication of WO2006044940A3 publication Critical patent/WO2006044940A3/en
Priority to HK08103422.4A priority patent/HK1113420A1/en

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • 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
    • B—PERFORMING OPERATIONS; TRANSPORTING
    • B42—BOOKBINDING; ALBUMS; FILES; SPECIAL PRINTED MATTER
    • B42D—BOOKS; BOOK COVERS; LOOSE LEAVES; PRINTED MATTER CHARACTERISED BY IDENTIFICATION OR SECURITY FEATURES; PRINTED MATTER OF SPECIAL FORMAT OR STYLE NOT OTHERWISE PROVIDED FOR; DEVICES FOR USE THEREWITH AND NOT OTHERWISE PROVIDED FOR; MOVABLE-STRIP WRITING OR READING APPARATUS
    • B42D25/00—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof
    • B42D25/20—Information-bearing cards or sheet-like structures characterised by identification or security features; Manufacture thereof characterised by a particular use or purpose
    • B42D25/29—Securities; Bank notes
    • 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
    • G06Q20/347—Passive cards
    • 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
    • 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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • 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
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically
    • 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
    • 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
    • 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
    • G07F7/12—Card verification

Abstract

The present invention generally relates to credit cards and debit cards. More particularly, the present invention relates to security methods and techniques that can be used with credit and debit cards and the like in order to provide protection against unauthorized use.
PCT/US2005/037543 2004-10-19 2005-10-18 Secure cards and methods WO2006044940A2 (en)

Priority Applications (5)

Application Number Priority Date Filing Date Title
CN2005800411008A CN101069187B (en) 2004-10-19 2005-10-18 Secure cards and methods
CA002584155A CA2584155A1 (en) 2004-10-19 2005-10-18 Secure cards and methods
EP05810114A EP1842124A4 (en) 2004-10-19 2005-10-18 Secure cards and methods
AU2005295335A AU2005295335A1 (en) 2004-10-19 2005-10-18 Secure cards and methods
HK08103422.4A HK1113420A1 (en) 2004-10-19 2008-03-27 Secure cards and methods

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US62039704P 2004-10-19 2004-10-19
US60/620,397 2004-10-19

Publications (2)

Publication Number Publication Date
WO2006044940A2 WO2006044940A2 (en) 2006-04-27
WO2006044940A3 true WO2006044940A3 (en) 2007-05-18

Family

ID=36203675

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2005/037543 WO2006044940A2 (en) 2004-10-19 2005-10-18 Secure cards and methods

Country Status (9)

Country Link
US (2) US7484659B2 (en)
EP (1) EP1842124A4 (en)
KR (1) KR100954573B1 (en)
CN (1) CN101069187B (en)
AU (1) AU2005295335A1 (en)
CA (1) CA2584155A1 (en)
HK (1) HK1113420A1 (en)
TW (1) TW200629110A (en)
WO (1) WO2006044940A2 (en)

Families Citing this family (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CA2392229C (en) * 1999-11-30 2016-08-30 Transforming Technologies, Inc. Methods, systems, and apparatuses for secure interactions
WO2007035424A2 (en) * 2005-09-16 2007-03-29 Veritec, Inc. Bio-conversion system for banking and merchant markets
CN101063999B (en) * 2006-04-29 2010-09-15 银河联动信息技术（北京）有限公司 Synthesis system and method of two-dimension code and sign
US7739169B2 (en) * 2007-06-25 2010-06-15 Visa U.S.A. Inc. Restricting access to compromised account information
EP2206277A4 (en) * 2007-10-22 2013-02-13 Microlatch Pty Ltd A transmitter for transmitting a secure access signal
US7658324B2 (en) * 2008-02-01 2010-02-09 Barclays Bank Delaware Systems and methods for encrypted bar code generation
US8646686B2 (en) 2011-08-11 2014-02-11 Benton William Bullwinkel Secure system for creating and validating personal identification cards with operator discretion
FR2985344B1 (en) * 2011-12-30 2019-06-21 Idemia France BANK CARD AND METHOD OF RESPONSE TO A TRANSACTION REQUEST.
CN103456087A (en) * 2012-05-31 2013-12-18 辽宁聚龙金融设备股份有限公司 Method and system for using storage medium for realizing paper currency information processing
SG11201608112YA (en) * 2014-04-04 2016-10-28 Visa Int Service Ass Payment device with holographic security element
US9830756B1 (en) * 2016-05-25 2017-11-28 Bank Of America Corporation Resolving card malfunctions using card information access control
WO2020106548A1 (en) * 2018-11-21 2020-05-28 Synchrony Bank Single entry combined functionality

Citations (2)

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JP2002086809A (en) * 2000-09-08 2002-03-26 Alps Electric Co Ltd Information medium and production method therefor
US6588658B1 (en) * 2000-06-23 2003-07-08 Eric Blank Transaction card with attached auxiliary member

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AU622623B2 (en) 1987-10-02 1992-04-16 Daya Ranjit Senanayake Personal identification system and method
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US5053612A (en) * 1990-03-28 1991-10-01 Tech-S, Inc. Barcode badge and ticket reader employing beam splitting
US5266781A (en) * 1991-08-15 1993-11-30 Datacard Corporation Modular card processing system
US5331176A (en) 1992-04-10 1994-07-19 Veritec Inc. Hand held two dimensional symbol reader with a symbol illumination window
US5773806A (en) * 1995-07-20 1998-06-30 Welch Allyn, Inc. Method and apparatus for capturing a decodable representation of a 2D bar code symbol using a hand-held reader having a 1D image sensor
EP0720102A4 (en) * 1994-07-18 1997-09-03 Ntt Data Tsushin Kk Electronic bankbook and cash transaction information processing system using the same
US5945655A (en) * 1994-09-22 1999-08-31 Gilgeous; Earle Apparatus and method for counting bingo cards
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JP2002086809A (en) * 2000-09-08 2002-03-26 Alps Electric Co Ltd Information medium and production method therefor

Also Published As

Publication number Publication date
CA2584155A1 (en) 2006-04-27
EP1842124A4 (en) 2008-04-16
WO2006044940A2 (en) 2006-04-27
KR100954573B1 (en) 2010-04-23
KR20070085267A (en) 2007-08-27
US8152056B2 (en) 2012-04-10
EP1842124A2 (en) 2007-10-10
CN101069187B (en) 2010-09-15
HK1113420A1 (en) 2008-10-03
AU2005295335A1 (en) 2006-04-27
US20060143101A1 (en) 2006-06-29
US7484659B2 (en) 2009-02-03
US20090140044A1 (en) 2009-06-04
TW200629110A (en) 2006-08-16
CN101069187A (en) 2007-11-07

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