US5770843A
Expired / Lapsed
US
⏱️ 0.0 years remaining
Access card for multiple accounts
Assignee: NCR Voyix Corp
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Filing: 1996-07-02
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Granted: 1998-06-23
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Expires: 2016-07-02
Abstract
Abstract A system for ascertaining identity of a customer based on a single card carried by the customer. The card bears a machine-readable code, which is transmitted to a database at a remote location. The database locates a record associated with the code, which contains one or more account numbers. Associated with each account number is a Personal Identification Number, PIN. (It is possible that all PINs are identical.) The customer selects an account number, and is asked for a PIN. If the PIN given by the customer matches that of the account number, the customer is concluded to be the valid owner of the account, and a transaction is allowed to proceed.
Inventors
- 👤 Manning I. Rose
- 👤 Lee W. Hoevel
Bibliographic Details
Application Number
—
Jurisdiction
US
Data Source
google_patents
Last Synchronized
2026-11-02 12:32
CPC Classifications
G; G07; G07F; G07F7/00; G07F7/08; G07F7/10; G07F7/1008; G06; G06Q; G06Q20/00; G06Q20/22; G06Q20/227; G06Q20/30; G06Q20/34; G06Q20/342; G06Q20/347; G07F7/02; G07F7/025; G07F7/1025; G07F7/1075
Claims Analysis
Total Claims: 12
Claim 1
Independent Claim
112 words
In a self-service kiosk, the improvement comprising: a) code-accepting means for accepting a code from a user; b) means for i) contacting a remote database, and ii) retrieving a plurality of account numbers from said database which are associated with said codes iii) retrieving a Personal Identification Number. PIN, for each account number; iv) presenting said account numbers to the user; v) prompting the user to select an account number; vi) prompting the user to enter a PIN for the selected account number; and vii) if the PIN entered matches that associated with the selected account number, transmitting the selected account number to a system which is different from said remote database.
Claim 2
Dependent Claim
112 words
In a self-service kiosk, the improvement comprising: a) code-accepting means for accepting a code from a user; b) means for i) contacting a remote database, and ii) retrieving a plurality of account numbers from said database which are associated with said codes iii) retrieving a Personal Identification Number. PIN, for each account number; iv) presenting said account numbers to the user; v) prompting the user to select an account number; vi) prompting the user to enter a PIN for the selected account number; and vii) if the PIN entered matches that associated with the selected account number, transmitting the selected account number to a system which is different from said remote database.
Claim 3
Dependent Claim
18 words
Improvement according to claim 1 in which said code is carried by a wallet-sized card in machine-readable format.
Claim 4
Dependent Claim
46 words
Apparatus according to claim 1, in which i) said code-accepting means reads said code from a wallet-sized card, and ii) said card is devoid of all symbols, readable either by said code-accepting means or humans, which identify either an institution issuing the card or a person.
Claim 5
Independent Claim
116 words
A method of ascertaining identity of a person at a kiosk, comprising the following steps: a) accepting a card from the person, which bears a machine-readable code; b) using said code, retrieving (i) a plurality of Personal Identification Numbers, PINs, and (ii) a plurality of account numbers, each being associated with a respective PIN. from a database situated at a first remote location; c) accepting a personal PIN from said person; d) at the kiosk, comparing said personal PIN with one, or more, of said plurality of PINs: and e) if the personal PIN matches that associated with one of said account numbers transmitting that account number to a system located at a second remote location.
Claim 6
Independent Claim
116 words
A method of ascertaining identity of a person at a kiosk, comprising the following steps: a) accepting a card from the person, which bears a machine-readable code; b) using said code, retrieving (i) a plurality of Personal Identification Numbers, PINs, and (ii) a plurality of account numbers, each being associated with a respective PIN. from a database situated at a first remote location; c) accepting a personal PIN from said person; d) at the kiosk, comparing said personal PIN with one, or more, of said plurality of PINs: and e) if the personal PIN matches that associated with one of said account numbers transmitting that account number to a system located at a second remote location.
Claim 7
Dependent Claim
25 words
Method according to claim 4, and further comprising the step of concluding that said person's identity is confirmed, when the PINs are found to match.
Claim 8
Dependent Claim
22 words
Method according to claim 4 and further comprising the step of retrieving an account number from said database, based on said code.
Claim 9
Dependent Claim
23 words
Method according to claim 6, and further comprising the step of applying a monetary charge to an account represented by said account number.
Claim 10
Dependent Claim
47 words
Method according to claim 4, in which said card is i) wallet-sized and ii) devoid of all symbols, both machine-readable and human readable, which identify either an institution issuing the card or a person, thereby preventing said kiosk from obtaining access to such symbols through the card.
Claim 11
Independent Claim
122 words
A method of ascertaining identity of a person who is undertaking a transaction, comprising the following steps: a) accepting a card from the person i) on which resides a machine-readable number, and ii) which contains no information identifying its owner or a system issuing the card; b) transmitting said code to a remote database; c) receiving, from said database, a plurality of account numbers, each associated with a respective PIN; d) accepting a personal PIN from said person; e) inquiring whether said personal PIN matches at least one of said plurality of PINs; and f) if a match of PINs is found, transmitting the account number associated with the matching PIN to a remote system, which is different from the remote database.
Claim 12
Independent Claim
122 words
A method of ascertaining identity of a person who is undertaking a transaction, comprising the following steps: a) accepting a card from the person i) on which resides a machine-readable number, and ii) which contains no information identifying its owner or a system issuing the card; b) transmitting said code to a remote database; c) receiving, from said database, a plurality of account numbers, each associated with a respective PIN; d) accepting a personal PIN from said person; e) inquiring whether said personal PIN matches at least one of said plurality of PINs; and f) if a match of PINs is found, transmitting the account number associated with the matching PIN to a remote system, which is different from the remote database.
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USPTO Annuity & Maintenance Windows
| Annuity Stage | Window Opens | Payment Deadline | Surcharge Period Until | Estimated Fee | Status |
|---|---|---|---|---|---|
| 3.5 Years (Year 4) | 2001-06-22 | 2001-12-22 | 2002-06-23 | $2000.00 | Window Closed / Lapsed |
| 7.5 Years (Year 8) | 2005-06-22 | 2005-12-22 | 2006-06-23 | $3760.00 | Window Closed / Lapsed |
| 11.5 Years (Year 12) | 2009-06-22 | 2009-12-22 | 2010-06-23 | $7700.00 | Window Closed / Lapsed |