Apparatus and method for multilevel secret protecting by personal key

Abstract

Abstract PURPOSE: To attain an electric financial transaction among accounts held by a card issuing facility by a customer by authorizing the use of a processing system for the registration of the customer and execution in the processing system. CONSTITUTION: Secrecy protection mutual actions in two levels are included between a customer and a card issuing facility. In the first level, a personal key code produced, a card is encoded, a personal code transfer code is prepared by a logic obtained by combining the personal code of a customer and a personal key code, and a personal code verification code is produced by logically combining the personal code transfer code, the identification code of the customer, and a facility key code related with the facility. Then, the customer can be registered. In the second level, this system generates a candidate personal code transfer number from the encoded card and a personal code number, and transmits them through a CPU circuit network to a processing station. The processing station collates the candidate number with the personal code number stored in the records of the facility. When they coincide, the use of the system is authorized, and the financial transaction is executed.

Inventors

• 👤 Martin M Atalla
• 👤 マーチン・エム・アタラ
• 👤 Webster D Hopkins
• 👤 ウェブスター・デー・ホプキンズ

Bibliographic Details