Patent US2312119A successfully refreshed from Google Patents.
Patent EP0234954A2 successfully refreshed from Google Patents.
EP0234954A2
Expired / Lapsed
EP
⏱️ 0.0 years remaining
Magnetic card with identification code
Assignee: INTELLICARD INTERNATIONAL Inc
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Filing: 1987-02-27
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Granted: —
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Expires: 2007-02-27
Abstract
Abstract A unitary, self-contained card (10) and method which does not require interaction with a fixed terminal device to prevent monitoring of confidential information contained within the card (10). The unitary, self-contained card (10) has the ability to verify a personal identification number (PIN) which is entered directly into the card by way of a keyboard (12) without the use of an outside terminal and produce a transaction identification code (TIC) which varies for each transactional use of the card (10) and which can later be verified to determine the validity of the transaction. The card (10) is capable of storing issue and expiration dates, credit limit balances and other card transactional data. The card (10) can be used in conjunction with a validation system (102) with provisions for verifying information recorded on the magnetic indicia (22) of the card (10). The card (10) can also be used with peripheral devices (96) which function to verify the validity of the transaction from the transaction identification code (TIC). The card also allows use of multiple accounts, allows the userto selectthe PIN, allows credit and debit mode of operation, allows update of credit or debit limit, calculates exchange rates, calculates tips, operates as a clock, operates as a calculator, operates as a broker transaction card to purchase securities and provides codes to access to peripheral devices such as computers or access to security areas.
Inventors
- 👤 Leonidas Pierre Pavlov
- 👤 Nabil M. Abu-Jbara
Bibliographic Details
Application Number
—
Jurisdiction
EP
Data Source
google_patents
Last Synchronized
2026-11-06 08:26
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06K; G06K19/00; G06K19/06; G06K19/067; G06K19/07; G06K19/0719; G06K19/077; G06Q; G06Q20/00; G06Q20/30; G06Q20/34; G06Q20/341; G06Q20/3415; G06Q20/357; G06Q20/3572; G06Q20/3576; G06Q20/36; G06Q20/363; G06Q20/38; G06Q20/40; G06Q20/401; G06Q20/4014; G06Q20/409; G06Q20/4093; G06Q20/4097; G06Q20/40975; G07F7/1025; G07F7/1083
Claims Analysis
Total Claims: 60
Claim 1
Independent Claim
130 words
A method of producing a transaction identification code (TIC) on a unitary, self-contained card to verify authorized use of said card comprising the steps of: reading a personal identification number (E-PIN) entered through a data entry means on said card; verifying said personal identification number (E-PIN) entered through said data entry means; generating a transaction key number (TKN) in an electronic memory in said card in response to verification of said personal identification number (E-PIN), said transaction key number (TKN) having a different value for each verification of said personal identification number (E-PIN); generating said transaction identification code (TIC) from an algorithm (N) stored in said electronic memory means and said transaction key number (TKN); indicating said TIC on said card to allow verification of said use of said card.
Claim 2
Independent Claim
130 words
A method of producing a transaction identification code (TIC) on a unitary, self-contained card to verify authorized use of said card comprising the steps of: reading a personal identification number (E-PIN) entered through a data entry means on said card; verifying said personal identification number (E-PIN) entered through said data entry means; generating a transaction key number (TKN) in an electronic memory in said card in response to verification of said personal identification number (E-PIN), said transaction key number (TKN) having a different value for each verification of said personal identification number (E-PIN); generating said transaction identification code (TIC) from an algorithm (N) stored in said electronic memory means and said transaction key number (TKN); indicating said TIC on said card to allow verification of said use of said card.
Claim 3
Dependent Claim
48 words
The method of claim 1 wherein said step of generating said TIC comprises the step of: including said transaction key number (TKN) in said TIC to allow verification of said TIC by knowing said algorithm (N) and the location of said transaction key number (TKN) in said TIC.
Claim 4
Dependent Claim
53 words
The method of claim 1 further comprising the steps of: using said personal identification number (E-PIN) as a decoding key in a decoding algorithm (N) to produce an algorithmic code number (ACN); combining said algorithmic code number (ACN) and said transaction key number (TKN) to form at least a portion of said TIC.
Claim 5
Dependent Claim
58 words
The method of claim 1 further comprising the steps of: selecting one of several accounts stored in said card; reading a transaction amount entered into said card; subtracting said transaction amount from a limit balance stored in said card for said selected account; authorizing generation of said TIC if said transaction amount is less than said limit balance.
Claim 6
Dependent Claim
34 words
The method of claim 1 further comprising the steps of: transforming said transaction amount from a foreign currency amount to a domestic currency amount prior to subtracting said transaction amount from said limit balance.
Claim 7
Dependent Claim
39 words
The method of claim 5 wherein said step of transforming said transaction amount further comprises the step of: selecting an exchange rate from an exchange rate stored in said electronic memory and an exchange rate entered in said card.
Claim 8
Dependent Claim
26 words
The method of claim 1 further comprising the steps of: providing means for performing financial transactions on said card with more than one transaction card company.
Claim 9
Dependent Claim
22 words
The method of claim 1 further comprising the steps of: providing means for performing both credit and debit transactions on said card.
Claim 10
Dependent Claim
26 words
The method of claim 7 further comprising the steps of: providing means for performing both credit and debit transactions for more than one transaction card company.
Claim 11
Dependent Claim
42 words
The method of claim 1 further comprising the steps of: reading a currency exchange rate entered through said data entry means or said card; computing a currency exchange amount from said currency exchange rate; indicating said currency exchange amount on said card.
Claim 12
Dependent Claim
23 words
The method of claim 10 further comprising the step of: debiting said currency exchange amount from a limit balance stored in said card.
Claim 13
Dependent Claim
57 words
The method of claim 1 further comprising the steps of: reading a percentage amount entered through said data entry means for a tip for services performed; computing a tip amount from said percentage amount and a transaction amount entered in said card; indicating said tip amount and said transaction amount plus said tip amount on said card.
Claim 14
Dependent Claim
16 words
The method of claim 1 further comprising the steps of: operating said card as a calculator.
Claim 15
Dependent Claim
16 words
The method of claim 1 further comprising the step of: operating said card as a clock.
Claim 16
Dependent Claim
94 words
The method of claim 1 further comprising the steps of: indicating a broker account number on said card; reading a unit value amount for securities entered in said card; reading a number entered in said card representative of the number of securities; computing a total value for said securities by multiplying said unit value amount of said securities by said number of securities; subtracting said total value from a limit balance of a selected account stored in said card; authorizing generation of said TIC if said total value is less than said limit balance.
Claim 17
Dependent Claim
31 words
The method of claim 15 wherein said step of reading a value for securities comprises: reading a fractional value for said securities and transforming said fractional value to a decimal value.
Claim 18
Independent Claim
76 words
A method of selecting a personal identification number (PIN) in a unitary, self-contained card comprising the steps of: comparing an access code entered in said card with an access code stored in said card; granting access to a PIN storage file in said card upon favorable comparison of said entered access code and said stored access code; reading a PIN entered in said card; storing said PIN entered in said card in said PIN storage file.
Claim 19
Independent Claim
76 words
A method of selecting a personal identification number (PIN) in a unitary, self-contained card comprising the steps of: comparing an access code entered in said card with an access code stored in said card; granting access to a PIN storage file in said card upon favorable comparison of said entered access code and said stored access code; reading a PIN entered in said card; storing said PIN entered in said card in said PIN storage file.
Claim 20
Dependent Claim
77 words
The method of claim 17 further comprising the step of: comparing a PIN selection code entered in said card with a PIN selection code stored in said card upon favorable comparison of said entered access code and said stored access code; granting access to said PIN storage file in said card upon favorable comparison of both said entered access code and said stored access code, and said entered PIN selection code and said stored PIN selection code.
Claim 21
Dependent Claim
26 words
The method of claim 17 further comprising the steps of: erasing said access code stored in said card; providing a new access code for said card.
Claim 22
Independent Claim
168 words
A method of verifying the use of a unitary, self-contained card by a card holder comprising: storing a predetermined personal identification number (S-PIN) and an encryption algorithm (N) in an electronic memory means disposed in said card; reading a personal identification number (E-PIN) entered into said card through a data entry means disposed on said card; comparing said personal identification number (E-PIN) with said S-PIN in a data processing device disposed in said card to generate a PIN verification signal; generating a transaction key number (TKN) in said data processing device; generating a transaction identification code (G-TIC) in said data processing device by execution of said encryption algorithm (N) using said transaction key number (TKN), said transaction identification code (G-TIC) arranged in a preselected order (K) such that said transaction identification code (G-TIC) can be later verified by knowing both said encryption algorithm (N) and said preselected order (K); displaying said transaction identification code (G-TIC) on said display means to allow recordation and subsequent verification of said transaction.
Claim 23
Independent Claim
168 words
A method of verifying the use of a unitary, self-contained card by a card holder comprising: storing a predetermined personal identification number (S-PIN) and an encryption algorithm (N) in an electronic memory means disposed in said card; reading a personal identification number (E-PIN) entered into said card through a data entry means disposed on said card; comparing said personal identification number (E-PIN) with said S-PIN in a data processing device disposed in said card to generate a PIN verification signal; generating a transaction key number (TKN) in said data processing device; generating a transaction identification code (G-TIC) in said data processing device by execution of said encryption algorithm (N) using said transaction key number (TKN), said transaction identification code (G-TIC) arranged in a preselected order (K) such that said transaction identification code (G-TIC) can be later verified by knowing both said encryption algorithm (N) and said preselected order (K); displaying said transaction identification code (G-TIC) on said display means to allow recordation and subsequent verification of said transaction.
Claim 24
Dependent Claim
48 words
The method of claim 20 further comprising the steps of: storing an account code in said electronic memory means; displaying said account code on said display means to allow visual comparison of an account code embossed on said card and said account code displayed on said display means.
Claim 25
Dependent Claim
58 words
The method of claim 20 further comprising the steps of: storing a balance limit in said electronic memory means; reading a transaction amount entered through said data entry means; comparing said balance limit and said transaction amount to provide authorization of a financial transaction; decrementing said balance limit by said transaction amount to provide an updated balance limit.
Claim 26
Dependent Claim
68 words
The method of claim 20 further comprising the steps of: storing a PIN attempt number in said electronic memory means; accumulating the number of incorrect entries of said personal identification number (E-PIN) through said data entry means by a potential user of said card; disabling further use of said card whenever said number of accumulated incorrect entries of said personal identification number (E-PIN) exceeds said PIN attempt number.
Claim 27
Independent Claim
117 words
A method of updating a limit amount stored in a unitary, self-contained transaction card comprising the steps of: reading a limit code entered into said card through said keyboard; decoding said limit code in said card to produce an access code and a limit amount code; comparing said access code decoded from said limit code with an access code stored in said card; granting access to a limit file in said card upon favorable comparison of said access code decoded from said limit code and said access code stored in said card; entering said limit amount code in said limit file in said card; storing said limit amount code as a new limit amount for said card.
Claim 28
Independent Claim
117 words
A method of updating a limit amount stored in a unitary, self-contained transaction card comprising the steps of: reading a limit code entered into said card through said keyboard; decoding said limit code in said card to produce an access code and a limit amount code; comparing said access code decoded from said limit code with an access code stored in said card; granting access to a limit file in said card upon favorable comparison of said access code decoded from said limit code and said access code stored in said card; entering said limit amount code in said limit file in said card; storing said limit amount code as a new limit amount for said card.
Claim 29
Dependent Claim
47 words
The method of claim 24 further comprising the steps of: reading a personal identification number entered into said card; verifying said PIN; generating a transaction identification code on said card; and, indicating said transaction identification code (TIC) on said card prior to reading said encoded limit code.
Claim 30
Dependent Claim
23 words
The method of claim 25 further comprising the steps of: using said TIC to obtain said encoded limit code from a peripheral device.
Claim 31
Dependent Claim
27 words
The method of claim 25 further comprising the steps of: selecting an account to update said limit amount from a plurality of accounts stored in said card.
Claim 32
Dependent Claim
17 words
The method of claim 24 further comprising the step of: indicating said new limit on said card.
Claim 33
Dependent Claim
14 words
The method of claim 24 wherein said limit amount comprises a credit limit amount.
Claim 34
Dependent Claim
14 words
The method of claim 24 wherein said limit amount comprises a debit limit amount.
Claim 35
Independent Claim
184 words
A method of using a unitary self-contained card system to gain access to a peripheral system comprising the steps of: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said personal identification number (E-PIN) by said card; generating an algorithmic code number (ACN) in said card from said transaction number (TKN) and an algorithm (N) stored in said card; generating a transaction identification code (G-TIC) in said card which comprises said algorithmic code number (ACN); indicating said transaction identification code (G-TIC) on said card; reading a password entered in said computer system; accessing a file of transaction identification codes (S-TICs) stored in said peripheral system for said password; reading said transaction identification code (G-TIC) indicated on said card and entered into said computer system; comparing said transaction identification code (G-TIC) entered in said peripheral system with said file of transaction identification codes (S-TICs); granting access to said peripheral system upon favorable comparison of said transaction identification code (G-TIC) with said file of transaction identification codes (S-TICs).
Claim 36
Independent Claim
184 words
A method of using a unitary self-contained card system to gain access to a peripheral system comprising the steps of: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said personal identification number (E-PIN) by said card; generating an algorithmic code number (ACN) in said card from said transaction number (TKN) and an algorithm (N) stored in said card; generating a transaction identification code (G-TIC) in said card which comprises said algorithmic code number (ACN); indicating said transaction identification code (G-TIC) on said card; reading a password entered in said computer system; accessing a file of transaction identification codes (S-TICs) stored in said peripheral system for said password; reading said transaction identification code (G-TIC) indicated on said card and entered into said computer system; comparing said transaction identification code (G-TIC) entered in said peripheral system with said file of transaction identification codes (S-TICs); granting access to said peripheral system upon favorable comparison of said transaction identification code (G-TIC) with said file of transaction identification codes (S-TICs).
Claim 37
Dependent Claim
35 words
The method of claim 31 further comprising the step of: eliminating an S-TIC from said file of transaction identification codes corresponding to said G-TIC to prevent further use of said G-TIC by an unauthorized party.
Claim 38
Dependent Claim
86 words
The method of claim 31 further comprising the steps of: generating a scrambling code (K) in said card; scrambling said algorithmic code number (ACN) in accordance with said scrambling code (K); generating a transaction identification code (G-TIC) in said card which comprises said scrambling code (K) and said algorithmic code number (ACN) scrambled in accordance with said scrambling code (K); identifying said scrambling code (K) in . said transaction identification code (G-TIC) in said computer system; descrambling said transaction identification code (G-TIC) in said peripheral system.
Claim 39
Independent Claim
190 words
A method of using a unitary self-contained card system to control access to a peripheral system comprising the steps of: entering a personal identification number (E-PIN) in said card; generating a plurality of transaction key numbers (TKNs) in said card from a random number generator upon verification of said personal identification number (E-PIN) by said card; generating a plurality of algorithmic code numbers (ACNs) in said card from said transaction numbers (TKNs) and an algorithm (N) stored in said card; generating a plurality of transaction identification codes (G-TICs) in said card which comprise said algorithmic code numbers (ACNs); indicating said transaction identification codes (G-TICs) on said card; reading a password entered in said peripheral system; accessing a file of transaction identification codes (S-TICs) stored in said peripheral system system for said password; reading said transaction identification codes (G-TICs) indicated on said card and entered into said peripheral system; comparing said transaction identification codes (G-TICs) entered in said peripheral system with said file of transaction identification codes (S-TICs); granting access to said peripheral system upon favorable comparison of said transaction identification codes (G-TICs) with said file of transaction identification codes (S-TICs).
Claim 40
Independent Claim
190 words
A method of using a unitary self-contained card system to control access to a peripheral system comprising the steps of: entering a personal identification number (E-PIN) in said card; generating a plurality of transaction key numbers (TKNs) in said card from a random number generator upon verification of said personal identification number (E-PIN) by said card; generating a plurality of algorithmic code numbers (ACNs) in said card from said transaction numbers (TKNs) and an algorithm (N) stored in said card; generating a plurality of transaction identification codes (G-TICs) in said card which comprise said algorithmic code numbers (ACNs); indicating said transaction identification codes (G-TICs) on said card; reading a password entered in said peripheral system; accessing a file of transaction identification codes (S-TICs) stored in said peripheral system system for said password; reading said transaction identification codes (G-TICs) indicated on said card and entered into said peripheral system; comparing said transaction identification codes (G-TICs) entered in said peripheral system with said file of transaction identification codes (S-TICs); granting access to said peripheral system upon favorable comparison of said transaction identification codes (G-TICs) with said file of transaction identification codes (S-TICs).
Claim 41
Dependent Claim
91 words
The method of claim 34 further comprising the steps of: generating a scrambling code (K) in said card for each of said algorithmic code numbers (ACNs); scrambling said algorithmic code numbers (ACNs) in accordance with said scrambling codes (K); generating a plurality of transaction identification codes (G-TICs) in said card which comprise said scrambling code (K) and said algorithmic code number (ACN) scrambled in accordance with said scrambling code (K); identifying said scrambling codes (K) in said transaction identification codes (G-TICs); descrambling said transaction identification codes (G-TICs) in said peripheral system.
Claim 42
Dependent Claim
73 words
The method of claim 34 wherein said step of generating a plurality of transaction key numbers (TKNs) comprises: generating a first transaction key number (TKN); generating subsequent transaction key numbers (TKNs) based upon a sequence of said first transaction key numbers (TKNs) so that comparison of said transaction identification codes (G-TICs) in said peripheral system with said file of transaction identification codes (S-TICs) must correspond in said sequence to produce a favorable comparison.
Claim 43
Independent Claim
268 words
A method of using a unitary self-contained card system to control access to a peripheral system comprising the steps of: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said personal identification number (E-PIN) by said card; generating an algorithmic code number (G-AC N ) in said card from said transaction key number (TKN) and an algorithm (N) stored in said card; generating a transaction identification code (G-TIC) in said card which comprises said transaction key number (TKN) and said algorithmic code number (G-ACN); indicating said transaction identification code (G-TIC) on said card; reading a password entered in said peripheral system; identifying said algorithm (N) stored in said peripheral system and assigned to said password; reading said transaction identification code (G-TIC) entered in said peripheral system; identifying said transaction key number (TKN) in said transaction identification code (G-TIC) entered in said peripheral system; computing an algorithmic code number (C-ACN) in said peripheral system from said transaction key number (TKN) and said algorithm (N) assigned to said password; identifying said algorithmic code number (G-ACN) in said transaction identification code (G-TIC) entered in said peripheral system; comparing said algorithmic code number (G-ACN) identified from said transaction identification code (G-TIC) entered in said peripheral system with said algorithmic code number (C-ACN) computed in said peripheral system; granting access to said peripheral system upon favorable comparison of said algorithmic code number (G-TIC) identified from said transaction identification number entered in said peripheral system and said algorithmic code number (C-ACN) computed in said peripheral system;
Claim 44
Independent Claim
268 words
A method of using a unitary self-contained card system to control access to a peripheral system comprising the steps of: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said personal identification number (E-PIN) by said card; generating an algorithmic code number (G-AC N ) in said card from said transaction key number (TKN) and an algorithm (N) stored in said card; generating a transaction identification code (G-TIC) in said card which comprises said transaction key number (TKN) and said algorithmic code number (G-ACN); indicating said transaction identification code (G-TIC) on said card; reading a password entered in said peripheral system; identifying said algorithm (N) stored in said peripheral system and assigned to said password; reading said transaction identification code (G-TIC) entered in said peripheral system; identifying said transaction key number (TKN) in said transaction identification code (G-TIC) entered in said peripheral system; computing an algorithmic code number (C-ACN) in said peripheral system from said transaction key number (TKN) and said algorithm (N) assigned to said password; identifying said algorithmic code number (G-ACN) in said transaction identification code (G-TIC) entered in said peripheral system; comparing said algorithmic code number (G-ACN) identified from said transaction identification code (G-TIC) entered in said peripheral system with said algorithmic code number (C-ACN) computed in said peripheral system; granting access to said peripheral system upon favorable comparison of said algorithmic code number (G-TIC) identified from said transaction identification number entered in said peripheral system and said algorithmic code number (C-ACN) computed in said peripheral system;
Claim 45
Independent Claim
342 words
A method of using a unitary self-contained card system to control access to a peripheral system comprising the steps of: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said personal identification number (E-PIN) in said card; generating an algorithmic code number (G-ACN) in said card from said transaction key number (TKN) and an algorithm (N) stored in said card; scrambling said transaction key number (TKN) and said algorithmic code number (G-ACN) in accordance with said scrambling order number (K); generating a transaction identification code (G-TIC) in said card comprising said scrambling order number (K), said transaction key number (TKN) and said algorithmic code number (G-ACN) scrambled in accordance with said scrambling order number (K); indicating said transaction identification code (G-TIC) on said card; reading a password entered in said peripheral system; identifying an algorithm (N) stored in said peripheral system and assigned to said password; reading said transaction identification code (G-TIC) displayed on said card and entered into said peripheral system; identifying said scrambling order number (K) in said transaction identification code (G-TIC) entered in said peripheral system; descrambling said transaction identification code (G-TIC) in said peripheral system in accordance with said scrambling order number (K) identified in said transaction identification code (G-TIC) entered in said peripheral system; identifying said transaction key number (TKN) in said transaction identification code (G-TIC) descrambled in said peripheral system; computing an algorithmic code number (C-ACN) in said peripheral system from said transaction key number (TKN) identified in said transaction identification code (G-TIC) and said algorithm (N) assigned to said password; identifying said algorithmic code number (G-ACN) in said transaction identification code (G-TIC) descrambled in said peripheral system; identified from said transaction identification number (G-TIC) with said algorithmic code number (C-ACN) computed in said peripheral system; granting access to said peripheral system upon favorable comparison of said algorithmic code number (G-ACN) identified from said transaction identification number and said algorithmic code number (C-ACN) computed in said peripheral system.
Claim 46
Independent Claim
342 words
A method of using a unitary self-contained card system to control access to a peripheral system comprising the steps of: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said personal identification number (E-PIN) in said card; generating an algorithmic code number (G-ACN) in said card from said transaction key number (TKN) and an algorithm (N) stored in said card; scrambling said transaction key number (TKN) and said algorithmic code number (G-ACN) in accordance with said scrambling order number (K); generating a transaction identification code (G-TIC) in said card comprising said scrambling order number (K), said transaction key number (TKN) and said algorithmic code number (G-ACN) scrambled in accordance with said scrambling order number (K); indicating said transaction identification code (G-TIC) on said card; reading a password entered in said peripheral system; identifying an algorithm (N) stored in said peripheral system and assigned to said password; reading said transaction identification code (G-TIC) displayed on said card and entered into said peripheral system; identifying said scrambling order number (K) in said transaction identification code (G-TIC) entered in said peripheral system; descrambling said transaction identification code (G-TIC) in said peripheral system in accordance with said scrambling order number (K) identified in said transaction identification code (G-TIC) entered in said peripheral system; identifying said transaction key number (TKN) in said transaction identification code (G-TIC) descrambled in said peripheral system; computing an algorithmic code number (C-ACN) in said peripheral system from said transaction key number (TKN) identified in said transaction identification code (G-TIC) and said algorithm (N) assigned to said password; identifying said algorithmic code number (G-ACN) in said transaction identification code (G-TIC) descrambled in said peripheral system; identified from said transaction identification number (G-TIC) with said algorithmic code number (C-ACN) computed in said peripheral system; granting access to said peripheral system upon favorable comparison of said algorithmic code number (G-ACN) identified from said transaction identification number and said algorithmic code number (C-ACN) computed in said peripheral system.
Claim 47
Independent Claim
305 words
A method of using a unitary, self-contained card system to control access to a peripheral system comprising: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said personal identification number (E-PIN) by said card; generating an algorithmic code number (G-ACN) from said transaction key number (TKN) and a algorithmic code number (S-ACN) stored in said card; generating a transaction identification code (G-TIC) comprising said algorithmic code number (G-ACN); indicating said transaction identification code (G-TIC) on said card; altering said transaction key number (TKN) in a predetermined manner a predetermined number of additional transaction identification codes (G-TICs) which are indicated on said card; reading a password entered in said peripheral system; accessing a file of transaction identification codes (S-TICs) stored in said peripheral system and assigned to said password, said transaction identification codes (S-TICs) stored in said peripheral system and having a predetermined sequential order corresponding to a sequence of transaction identification codes (G-TICs) generated by said card as a result of altering said transaction key number (TKN) in said predetermined manner; reading said transaction identification . code (G-TIC) produced by said card and entered in said peripheral system and said predetermined number of additional transaction identification codes (G-TIC) produced by said card and entered in said peripheral system; comparing said transaction identification code (G-TIC) produced by said card and said predetermined number of additional transaction identification codes (G-TICs) produced by said card with said file of transaction identification codes (S-TICs) stored in said peripheral system; granting access to said peripheral system if said transaction identification code (G-TIC) produced by said card and said predetermined number of additional transaction identification codes (G-TICs) produced by said card match said file of transaction identification codes (S-TICs) in successive sequential order.
Claim 48
Independent Claim
305 words
A method of using a unitary, self-contained card system to control access to a peripheral system comprising: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said personal identification number (E-PIN) by said card; generating an algorithmic code number (G-ACN) from said transaction key number (TKN) and a algorithmic code number (S-ACN) stored in said card; generating a transaction identification code (G-TIC) comprising said algorithmic code number (G-ACN); indicating said transaction identification code (G-TIC) on said card; altering said transaction key number (TKN) in a predetermined manner a predetermined number of additional transaction identification codes (G-TICs) which are indicated on said card; reading a password entered in said peripheral system; accessing a file of transaction identification codes (S-TICs) stored in said peripheral system and assigned to said password, said transaction identification codes (S-TICs) stored in said peripheral system and having a predetermined sequential order corresponding to a sequence of transaction identification codes (G-TICs) generated by said card as a result of altering said transaction key number (TKN) in said predetermined manner; reading said transaction identification . code (G-TIC) produced by said card and entered in said peripheral system and said predetermined number of additional transaction identification codes (G-TIC) produced by said card and entered in said peripheral system; comparing said transaction identification code (G-TIC) produced by said card and said predetermined number of additional transaction identification codes (G-TICs) produced by said card with said file of transaction identification codes (S-TICs) stored in said peripheral system; granting access to said peripheral system if said transaction identification code (G-TIC) produced by said card and said predetermined number of additional transaction identification codes (G-TICs) produced by said card match said file of transaction identification codes (S-TICs) in successive sequential order.
Claim 49
Independent Claim
417 words
A method of using a unitary, self-contained card system to control access to a peripheral system comprising: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said personal identification number (E-PIN) by said card; generating an algorithmic code number (G-ACN) from said transaction key number (TKN) and an algorithm (N) stored in said card; generating a scrambling order number (K) from a random number generator; generating a transaction identification code (G-TIC) comprising said scrambling order number (K) and said algorithmic code number (G-ACN) scrambled in accordance with said scrambling order number (K); generating a predetermined number of additional scrambling order numbers (Ks); scrambling said predetermined number of additional algorithmic code numbers (G-ACNs) with said predetermined number of additional scrambling order numbers (Ks); generating a predetermined number of additional transaction identification codes (G-TICs) comprising said predetermined number of additional scrambling order numbers (Ks) and said additional algorithmic code numbers (G-ACNs) scrambled in accordance with said predetermined number of additional scrambling order numbers (Ks); indicating said predetermined number of additional transaction identification codes (G-TICs) on said card; reading a password entered in said peripheral system; accessing a file of algorithmic code numbers (S-ACNs) stored in said peripheral system and assigned to said password, said algorithmic code numbers (S-ACNs) having a predetermined sequential order corresponding to a sequence of said algorithmic code numbers (G-ACN) and said additional algorithmic code numbers (G-ACNSs) generated by said card as a result of altering said transaction key number (TKN) in said predetermined manner; reading said transaction identification code (G-TIC) and said predetermined number of additional transaction identification codes (G-TICs) entered into said peripheral system; identifying said scrambling order number (K) in said transaction identification code (G-TIC) and said additional scrambling order numbers (Ks) in said additional transaction identification codes (G-TICs); descrambling said transaction identification code (G-TIC) and said additional transaction identification codes (G-TICs); identifying said algorithmic code number (G-ACN) from said descrambled transaction identification code (G-TIC); identifying said additional algorithmic code numbers (G-ACNs) from said descrambled additional transaction identification codes (G-TICs); comparing said algorithmic code number (G-ACN) and said predetermined number of additional algorithmic code numbers (G-ACNs) with said file of stored algorithmic code numbers (S-ACNs) generated in said peripheral system; granting access to said peripheral system if said algorithmic code number (G-ACN) and said predetermined number of additional algorithmic code numbers (G-ACNs) match said file of stored algorithmic code numbers (S-ACNs) in successive sequential order.
Claim 50
Independent Claim
417 words
A method of using a unitary, self-contained card system to control access to a peripheral system comprising: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said personal identification number (E-PIN) by said card; generating an algorithmic code number (G-ACN) from said transaction key number (TKN) and an algorithm (N) stored in said card; generating a scrambling order number (K) from a random number generator; generating a transaction identification code (G-TIC) comprising said scrambling order number (K) and said algorithmic code number (G-ACN) scrambled in accordance with said scrambling order number (K); generating a predetermined number of additional scrambling order numbers (Ks); scrambling said predetermined number of additional algorithmic code numbers (G-ACNs) with said predetermined number of additional scrambling order numbers (Ks); generating a predetermined number of additional transaction identification codes (G-TICs) comprising said predetermined number of additional scrambling order numbers (Ks) and said additional algorithmic code numbers (G-ACNs) scrambled in accordance with said predetermined number of additional scrambling order numbers (Ks); indicating said predetermined number of additional transaction identification codes (G-TICs) on said card; reading a password entered in said peripheral system; accessing a file of algorithmic code numbers (S-ACNs) stored in said peripheral system and assigned to said password, said algorithmic code numbers (S-ACNs) having a predetermined sequential order corresponding to a sequence of said algorithmic code numbers (G-ACN) and said additional algorithmic code numbers (G-ACNSs) generated by said card as a result of altering said transaction key number (TKN) in said predetermined manner; reading said transaction identification code (G-TIC) and said predetermined number of additional transaction identification codes (G-TICs) entered into said peripheral system; identifying said scrambling order number (K) in said transaction identification code (G-TIC) and said additional scrambling order numbers (Ks) in said additional transaction identification codes (G-TICs); descrambling said transaction identification code (G-TIC) and said additional transaction identification codes (G-TICs); identifying said algorithmic code number (G-ACN) from said descrambled transaction identification code (G-TIC); identifying said additional algorithmic code numbers (G-ACNs) from said descrambled additional transaction identification codes (G-TICs); comparing said algorithmic code number (G-ACN) and said predetermined number of additional algorithmic code numbers (G-ACNs) with said file of stored algorithmic code numbers (S-ACNs) generated in said peripheral system; granting access to said peripheral system if said algorithmic code number (G-ACN) and said predetermined number of additional algorithmic code numbers (G-ACNs) match said file of stored algorithmic code numbers (S-ACNs) in successive sequential order.
Claim 51
Independent Claim
432 words
A method of using a unitary, self-contained card system to control access to a peripheral system comprising: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said E-PIN by said card; generating an algorithmic code number (G-ACN) from said transaction number (TKN) and a algorithm (N) stored in said card; generating a scrambling order number (K) from a random number generator; generating a transaction identification code (G-TIC) comprising said scrambling order number (K) and said algorithmic code number (G-ACN) scrambled in accordance with said scrambling order number (K); indicating said transaction identification code (G-TIC) on said card; altering said transaction number (G-TIC) in a predetermined manner a predetermined number of times to produce a predetermined number of additional algorithmic code numbers (G-ACNs) in said peripheral system; generating a predetermined number of additional scrambling order numbers (Ks); scrambling said predetermined number of additional algorithmic code numbers (G-ACNs) with said predetermined number of additional scrambling order numbers (Ks); generating a predetermined number of additional transaction identification codes (G-TICs) comprising said predetermined number of additional scrambling order numbers (Ks) and said additional algorithmic code numbers (G-ACNs) scrambled in accordance with said predetermined number of additional scrambling order numbers (Ks); indicating said predetermined number of additional transaction identification codes (G-TICs) on said card; entering a password in said peripheral system; identifying an algorithm (N) stored in said peripheral system and assigned to said password; generating a file of possible algorithmic code numbers (C-ACNs) in said peripheral system by altering said algorithm (N) stored in said peripheral system and assigned to said password in said predetermined manner; entering said transaction identification code (G-TIC) and said predetermined number of additional transaction identification codes (G-TICs) into said peripheral system; identifying said scrambling order number (K) in said transaction identification code (G-TIC) and said additional scrambling order numbers (Ks) in said additional transaction identification codes (G-TICs); descrambling said transaction identification code (G-TIC) and said additional transaction identification codes (G-TICs); identifying said algorithmic code number (G-ACN) from said descrambled transaction identification codes (G-TIC); identifying said additional algorithmic code numbers (G-ACNs) from said descrambled additional transaction identification codes (G-TICs); comparing said algorithmic code number (G-ACN) and said predetermined number of additional algorithmic code numbers (G-ACNs) with said file of possible algorithmic code numbers (C-ACNs) generated in said peripheral system; granting access to said peripheral system if said algorithmic code number (G-ACN) and said predetermined number of additional algorithmic code numbers (G-ACNs) match said file of possible algorithmic code numbers (C-ACNs) in successive sequential order.
Claim 52
Independent Claim
432 words
A method of using a unitary, self-contained card system to control access to a peripheral system comprising: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator upon verification of said E-PIN by said card; generating an algorithmic code number (G-ACN) from said transaction number (TKN) and a algorithm (N) stored in said card; generating a scrambling order number (K) from a random number generator; generating a transaction identification code (G-TIC) comprising said scrambling order number (K) and said algorithmic code number (G-ACN) scrambled in accordance with said scrambling order number (K); indicating said transaction identification code (G-TIC) on said card; altering said transaction number (G-TIC) in a predetermined manner a predetermined number of times to produce a predetermined number of additional algorithmic code numbers (G-ACNs) in said peripheral system; generating a predetermined number of additional scrambling order numbers (Ks); scrambling said predetermined number of additional algorithmic code numbers (G-ACNs) with said predetermined number of additional scrambling order numbers (Ks); generating a predetermined number of additional transaction identification codes (G-TICs) comprising said predetermined number of additional scrambling order numbers (Ks) and said additional algorithmic code numbers (G-ACNs) scrambled in accordance with said predetermined number of additional scrambling order numbers (Ks); indicating said predetermined number of additional transaction identification codes (G-TICs) on said card; entering a password in said peripheral system; identifying an algorithm (N) stored in said peripheral system and assigned to said password; generating a file of possible algorithmic code numbers (C-ACNs) in said peripheral system by altering said algorithm (N) stored in said peripheral system and assigned to said password in said predetermined manner; entering said transaction identification code (G-TIC) and said predetermined number of additional transaction identification codes (G-TICs) into said peripheral system; identifying said scrambling order number (K) in said transaction identification code (G-TIC) and said additional scrambling order numbers (Ks) in said additional transaction identification codes (G-TICs); descrambling said transaction identification code (G-TIC) and said additional transaction identification codes (G-TICs); identifying said algorithmic code number (G-ACN) from said descrambled transaction identification codes (G-TIC); identifying said additional algorithmic code numbers (G-ACNs) from said descrambled additional transaction identification codes (G-TICs); comparing said algorithmic code number (G-ACN) and said predetermined number of additional algorithmic code numbers (G-ACNs) with said file of possible algorithmic code numbers (C-ACNs) generated in said peripheral system; granting access to said peripheral system if said algorithmic code number (G-ACN) and said predetermined number of additional algorithmic code numbers (G-ACNs) match said file of possible algorithmic code numbers (C-ACNs) in successive sequential order.
Claim 53
Independent Claim
287 words
A method of using a unitary, self-contained card system to control access to a peripheral system comprising: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator in response to verification of said personal identification number (E-PIN) in said card; generating an algorithmic code number (G-ACN) from said transaction key number (TKN) and an algorithm (N) stored in said card; generating a transaction identification code (G-TIC) comprising said algorithmic code number (G-ACN); indicating said transaction identification code (G-ACN); altering said transaction key number (TKN) in a predetermined manner a predetermined number of times to produce a predetermined number of additional transaction identification codes (G-TIC) which are indicated on said card; reading a password entered in said peripheral system; identifying an algorithm (N) stored in nid peripheral system and assigned to said password; generating a file of possible transaction identification codes (C-TICs) in said peripheral system by altering said algorithm (N) stored in said peripheral system and assigned to said password in said predetermined manner; reading said transaction identification code (G-TIC) generated by said card and said predetermined number of additional transaction identification codes (G-TICs) generated by said card and entered in said peripheral system; comparing said transaction identification code (G-TIC) generated by said card and said predetermined number of additional transaction identification codes (G-TICs) generated by said card with said file of possible transaction codes (C-TICs) generated in said peripheral system; granting access to said peripheral system if said transaction identification code (G-TIC) generated by said card and said predetermined number of additional transaction identification codes (G-TICs) generated by said card match said file of possible transaction codes (C-TICs) in successive sequential order.
Claim 54
Independent Claim
287 words
A method of using a unitary, self-contained card system to control access to a peripheral system comprising: reading a personal identification number (E-PIN) entered in said card; generating a transaction key number (TKN) in said card from a random number generator in response to verification of said personal identification number (E-PIN) in said card; generating an algorithmic code number (G-ACN) from said transaction key number (TKN) and an algorithm (N) stored in said card; generating a transaction identification code (G-TIC) comprising said algorithmic code number (G-ACN); indicating said transaction identification code (G-ACN); altering said transaction key number (TKN) in a predetermined manner a predetermined number of times to produce a predetermined number of additional transaction identification codes (G-TIC) which are indicated on said card; reading a password entered in said peripheral system; identifying an algorithm (N) stored in nid peripheral system and assigned to said password; generating a file of possible transaction identification codes (C-TICs) in said peripheral system by altering said algorithm (N) stored in said peripheral system and assigned to said password in said predetermined manner; reading said transaction identification code (G-TIC) generated by said card and said predetermined number of additional transaction identification codes (G-TICs) generated by said card and entered in said peripheral system; comparing said transaction identification code (G-TIC) generated by said card and said predetermined number of additional transaction identification codes (G-TICs) generated by said card with said file of possible transaction codes (C-TICs) generated in said peripheral system; granting access to said peripheral system if said transaction identification code (G-TIC) generated by said card and said predetermined number of additional transaction identification codes (G-TICs) generated by said card match said file of possible transaction codes (C-TICs) in successive sequential order.
Claim 55
Independent Claim
126 words
A method of using a unitary, self-contained card to control access to a peripheral system comprising the steps of: verifying a personal identification number (PIN) entered in said card; generating a seed number (C-seed) from a sequence generator in said card; computing a transaction identification code (G-TIC) by applying said C-seed to an algorithm (C-DES) stored in said card; indicating said G-TIC on said card; reading a password entered into said peripheral device: accessing a seed number (P-seed) and an algorithm (P-DES) assigned to said password; computing an expected transaction identification code (P-TIC) by applying said P-seed to said P-DES; reading said G-TIC entered into said peripheral device; comparing said G-TIC and said P-TIC; granting access to said peripheral device if said G-TIC and P-TIC compare.
Claim 56
Independent Claim
126 words
A method of using a unitary, self-contained card to control access to a peripheral system comprising the steps of: verifying a personal identification number (PIN) entered in said card; generating a seed number (C-seed) from a sequence generator in said card; computing a transaction identification code (G-TIC) by applying said C-seed to an algorithm (C-DES) stored in said card; indicating said G-TIC on said card; reading a password entered into said peripheral device: accessing a seed number (P-seed) and an algorithm (P-DES) assigned to said password; computing an expected transaction identification code (P-TIC) by applying said P-seed to said P-DES; reading said G-TIC entered into said peripheral device; comparing said G-TIC and said P-TIC; granting access to said peripheral device if said G-TIC and P-TIC compare.
Claim 57
Dependent Claim
98 words
The method of claim 43 further comprising the steps of: sequencing said P-seed if said G-TIC and said P-TIC do not match; indicating said P-seed on said peripheral device; reading said P-seed entered into said card; applying said P-seed to said C-DES to compute a second transaction identification code (G2-TIC); indicating said G2-TIC on said card; reading said G2-TIC entered into said peripheral device; applying said P-seed to said P-DES to compute a second expected transaction identification code (P2-TIC); comparing said G2-TIC and said P2-TIC; granting access to said peripheral device if said G2-TIC and said P2-TIC match.
Claim 58
Dependent Claim
39 words
The method of claim 44 further comprising the steps of: applying said P-seed to said sequence generator in said card to synchronize said sequence generator in said card with a sequence generator for generating said P-seed in said computer.
Claim 59
Independent Claim
200 words
A method of using a unitary, self-contained card to control access to a peripheral system comprising the steps of: verifying a personal identification number (PIN) entered in said card; generating a seed number (C-seed) from a sequence generator in said card; computing a transaction identification code (G-TIC) by applying said C-seed to an algorithm (C-DES) stored in said card; indicating said G-TIC on said card; reading a password entered into said peripheral device: accessing a seed number (P-seed) and an algorithm (P-DES) assigned to said password; computing an expected transaction identification code (P-TIC) by applying said P-seed to said P-DES; reading said G-TIC entered into said peripheral device; comparing said G-TIC and said P-TIC; sequencing said P-seed if said G-TIC and said P-TIC match; indicating said P-seed on said peripheral device; reading said P-seed entered into said card; applying said P-seed to said C-DES to compute a second transaction identification code (G2-TIC); indicating said G2-TIC on said card; reading said G2-TIC entered into said peripheral device; applying said P-seed to said P-DES to compute a second expected transaction identification code (P2-TIC); comparing said G2-TIC and said P2-TIC; granting access to said peripheral device if said G2-TIC and said P2-TIC match.
Claim 60
Independent Claim
200 words
A method of using a unitary, self-contained card to control access to a peripheral system comprising the steps of: verifying a personal identification number (PIN) entered in said card; generating a seed number (C-seed) from a sequence generator in said card; computing a transaction identification code (G-TIC) by applying said C-seed to an algorithm (C-DES) stored in said card; indicating said G-TIC on said card; reading a password entered into said peripheral device: accessing a seed number (P-seed) and an algorithm (P-DES) assigned to said password; computing an expected transaction identification code (P-TIC) by applying said P-seed to said P-DES; reading said G-TIC entered into said peripheral device; comparing said G-TIC and said P-TIC; sequencing said P-seed if said G-TIC and said P-TIC match; indicating said P-seed on said peripheral device; reading said P-seed entered into said card; applying said P-seed to said C-DES to compute a second transaction identification code (G2-TIC); indicating said G2-TIC on said card; reading said G2-TIC entered into said peripheral device; applying said P-seed to said P-DES to compute a second expected transaction identification code (P2-TIC); comparing said G2-TIC and said P2-TIC; granting access to said peripheral device if said G2-TIC and said P2-TIC match.
References Cited (Backward Citations)
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