System for verifying the user of a card

Claim 1

A system for verifying the user of a card containing data comprising: A. means for obtaining data from said card; B. input means operable by the user of said card to input a secret number; and, C. checking means connected to receive said data from said card and said secret number for: 1. manipulating said data read from said card to obtain derived data; 2. checking whether said derived data includes predetermined specific data; and, 3. recognizing said user as the proper user of said card if said predetermined specified data is found to exist, regardless of whether correspondence exists between said derived data and said secret number.

Claim 2

A system for verifying the user of a card containing data comprising: A. means for obtaining data from said card; B. input means operable by the user of said card to input a secret number; and, C. checking means connected to receive said data from said card and said secret number for: 1. manipulating said data read from said card to obtain derived data; 2. checking whether said derived data includes predetermined specific data; and, 3. recognizing said user as the proper user of said card if said predetermined specified data is found to exist, regardless of whether correspondence exists between said derived data and said secret number.

Claim 10

A system for verifying the user of a card containing data comprising: input means manually operable by said user for entering a secret number; reading means for reading data contained on said card and for producing related card data; checking means for determining if said card data denotes the first use of said card; and control means responsive to said checking means determining that said card data denotes the first use of said card for causing said user to operate said manually operable input means to enter a secret number to be produced as card data when said card is used subsequent to said first use of said card.

Claim 11

A system for verifying the user of a card containing data comprising: input means manually operable by said user for entering a secret number; reading means for reading data contained on said card and for producing related card data; checking means for determining if said card data denotes the first use of said card; and control means responsive to said checking means determining that said card data denotes the first use of said card for causing said user to operate said manually operable input means to enter a secret number to be produced as card data when said card is used subsequent to said first use of said card.

Claim 13

A system for verifying the user of a card comprising: A. a card issuing device including: 1. first calculating means for calculating a subsidiary code from at least useful data and a specific code; and 2. first recording means for recording said useful data and said subsidiary code on said card; and, B. a card using device including: 1. checking means for determining whether said useful data and said subsidiary code recorded on said card define said specific code; 2. input means operable by use of said card to enter a secret number; 3. data producing means for producing new useful data for renewing said useful data; 4. second calculating means, responsive to said checking means determining that said useful data and said subsidiary code recorded on said card define said specific code, for calculating a new subsidiary code from said secret number and said new useful data; and, 5. second recording means for recording said new useful data and said new subsidiary code on said card.

Claim 14

A system for verifying the user of a card comprising: A. a card issuing device including: 1. first calculating means for calculating a subsidiary code from at least useful data and a specific code; and 2. first recording means for recording said useful data and said subsidiary code on said card; and, B. a card using device including: 1. checking means for determining whether said useful data and said subsidiary code recorded on said card define said specific code; 2. input means operable by use of said card to enter a secret number; 3. data producing means for producing new useful data for renewing said useful data; 4. second calculating means, responsive to said checking means determining that said useful data and said subsidiary code recorded on said card define said specific code, for calculating a new subsidiary code from said secret number and said new useful data; and, 5. second recording means for recording said new useful data and said new subsidiary code on said card.

Claim 16

A system for verifying the user of a card containing data comprising: reading means for reading said card data; data developing means responsive to said reading means for producing at least account balance data and a subsidiary code in accordance with the data read by said reading means; input means, manually operated by said user, for producing a secret number; checking means for manipulating said account balance data, said subsidiary code and said secret number to verify that the user of the card is entitled to use the card; setting means for setting an amount of money for a monetary transaction; calculating means for calculating new account balance data from said account balance data and said amount of money and a new subsidiary code from said new account balance data and said secret number; and, storing means for storing said new account balance data and said new subsidiary code for use as said account balance data and said subsidiary code when said card is next used.

Claim 17

A system for verifying the user of a card containing data comprising: reading means for reading said card data; data developing means responsive to said reading means for producing at least account balance data and a subsidiary code in accordance with the data read by said reading means; input means, manually operated by said user, for producing a secret number; checking means for manipulating said account balance data, said subsidiary code and said secret number to verify that the user of the card is entitled to use the card; setting means for setting an amount of money for a monetary transaction; calculating means for calculating new account balance data from said account balance data and said amount of money and a new subsidiary code from said new account balance data and said secret number; and, storing means for storing said new account balance data and said new subsidiary code for use as said account balance data and said subsidiary code when said card is next used.