US7083087B1 — Method and apparatus for associating identificati…

Claim 1

Independent Claim 333 words

A method comprising: configuring at least one server configured to store a plurality of personal control ID's and a plurality of sets of personal data, each of the plurality of personal control ID's being associated with a respective different person and a respective set of personal data entered into the server and controlled by said respective different person; configuring the at least one server also to store a data profile derived from a set of personal data associated with a personal control ID identifying a selected different person and assembled together by the selected different person for use by a selected one of one or more providers identified by a provider ID; positioning a data processor remote from and in communication with the server; positioning a retail point-of-sale (POS) terminal in communication with the data processor, the retail POS terminal adapted to couple via a data communication link to an ID instrument to receive from the ID instrument the personal control ID identifying the selected different person and to send the personal control ID identifying the selected different person to the data processor; configuring the data processor to transmit the personal control ID identifying the selected different person and the provider ID identifying the selected provider to the at least one server; configuring the at least one server to retrieve from the plurality of sets of personal data and transmit to the data processor the data profile derived from a set of personal data associated with the personal control ID identifying the selected different person for use by the selected provider identified by the provider ID; and positioning an output device in connected with the data processor to receive from the data processor the data profile received from said the at least one server and to output the data profile to the selected provider to thereby verify the personal control ID as being associated with a user of the personal control ID at the retail POS prior to proceeding with a retail transaction.

Claim 2

Independent Claim 333 words

A method comprising: configuring at least one server configured to store a plurality of personal control ID's and a plurality of sets of personal data, each of the plurality of personal control ID's being associated with a respective different person and a respective set of personal data entered into the server and controlled by said respective different person; configuring the at least one server also to store a data profile derived from a set of personal data associated with a personal control ID identifying a selected different person and assembled together by the selected different person for use by a selected one of one or more providers identified by a provider ID; positioning a data processor remote from and in communication with the server; positioning a retail point-of-sale (POS) terminal in communication with the data processor, the retail POS terminal adapted to couple via a data communication link to an ID instrument to receive from the ID instrument the personal control ID identifying the selected different person and to send the personal control ID identifying the selected different person to the data processor; configuring the data processor to transmit the personal control ID identifying the selected different person and the provider ID identifying the selected provider to the at least one server; configuring the at least one server to retrieve from the plurality of sets of personal data and transmit to the data processor the data profile derived from a set of personal data associated with the personal control ID identifying the selected different person for use by the selected provider identified by the provider ID; and positioning an output device in connected with the data processor to receive from the data processor the data profile received from said the at least one server and to output the data profile to the selected provider to thereby verify the personal control ID as being associated with a user of the personal control ID at the retail POS prior to proceeding with a retail transaction.

Claim 3

Dependent Claim 53 words

A method as defined in claim 1 , further comprising the at least one server to recognize that the personal control ID is being received prior to transmitting to the data processor the data profile derived from the set of personal data associated with the personal control ID identifying the selected different person.

Claim 4

Dependent Claim 115 words

A method as defined in claim 1 , wherein the ID instrument comprises one or more of a magnetic striped card, a smart card, a bar code, a gift card, an automatic teller machine (ATM) card, a check card, a wallet consolidator, a debit card, a credit card, a smart card, a prepaid card, a personal identification card, a driver's license, a personal computer (PC), a laptop computer, a personal digital assistant (PDA) adapted for infra-red (IR) communication, a check, a keypad, a touchscreen, a voice recognition device, a radio-frequency (RF) device, the RF device comprising at least one of a PDA adapted for RF communication, an RF identification (RFID) tag, and a cell phone.

Claim 5

Dependent Claim 96 words

A method as defined in claim 1 , wherein the personal data comprises one or more of a personal name, a personal ID, a pictorial image of the person, personal fingerprint data, personal checking account data, driver's license data of said person, personal biometric data, a personal social security number, a personal ID password, a personal data password, credit card data, debit card data, prepaid card data, frequent purchaser data, medical data, bank account data, investment data, coupon data, processed data, points, data generated based on existing personal data, and membership ID data of the person.

Claim 6

Dependent Claim 27 words

A method as defined in claim 1 , wherein the processor, the POS terminal, and said output device are combined to constitute a substantially integrated input/output device.

Claim 7

Dependent Claim 82 words

A method as defined in claim 1 , wherein the POS terminal comprises at least one of a magnetic card reader, a smart card reader, a bar code reader, an infra-red (IR) receiver, an optical scanner, a transmitter adapted for transmitting a pre-determined signal for activating a response from an RFID tag and for receiving a response back from said RFID tag, and an interface adapted for receiving RF signals from at least one of a cell phone and an RF device.

Claim 8

Dependent Claim 24 words

A method as defined in claim 1 , wherein the output device comprises one or more of a visual display monitor and a printer.

Claim 9

Dependent Claim 25 words

A method as defined in claim 1 , further comprising positioning the at least one server to receive from the data processor transaction ID information.

Claim 10

Dependent Claim 76 words

A method as defined in claim 1 , further comprising positioning the at least one server to receive from the processor transaction ID information containing information relating to the transaction to be executed, including the type of information needed to execute the transaction and personal ID; and configuring the least one server to access a database to retrieve and process the personal data related to the personal ID and restricted according to the transaction ID information.

Claim 11

Dependent Claim 44 words

A method as defined in claim 1 , wherein the data communication link comprises at least one of a wireless link, a wireline link, wide area network (WAN) link, an infra-red (IR) link, a radio-frequency (RF) link, an optical link, and a magnetic link.

Claim 12

Dependent Claim 44 words

A method as defined in claim 1 , wherein the data profile is useable in a transaction for at least one of goods, services, grocery items, food, medical services and supplies, insurance premiums, ticketing, a money transfer, and identification services relating to the person.

Claim 13

Dependent Claim 52 words

A method as defined in claim 1 , further comprising positioning the at least one server to receive the personal ID from the input device and for accessing a database to retrieve and process personal data related to the personal control ID for each of a plurality of persons, providers, and transactions.

Claim 14

Dependent Claim 47 words

A method as defined in claim 1 , further comprising configuring the output device to generate, in response to receipt of personal data associated with the selected personal ID, information relating to the selected person for purposes of facilitating the transaction and the generation of customer messages.

Claim 15

Dependent Claim 51 words

A method as defined in claim 1 , further comprising configuring the output device to generate, in response to receipt of personal data related to the selected personal ID, incentives to the selected person for making future purchases, the incentives including at least one of a coupon and a discount offer.

Claim 16

Independent Claim 178 words

A method comprising: storing a plurality of personal control ID's and a plurality of sets of personal data, each of the plurality of personal control ID's being associated with a respective different person and a respective set of stored personal data controllable by the respective different personal; storing a data profile derived from the set of personal data associated with a personal control ID to identify a selected different person and assembled to be used by a selected one or more providers identified by a provider ID; receiving from an ID instrument the personal control ID identifying the selected different person; retrieving from the plurality of sets of personal data a data profile derived from a set of personal data associated with the personal control ID to be used by a selected one of the selected one or more providers identified by the provider ID; and providing the data profile to the selected provider to thereby verify the personal control ID as being associated with a use of the personal control ID prior to proceeding with a transaction.

Claim 17

Independent Claim 178 words

A method comprising: storing a plurality of personal control ID's and a plurality of sets of personal data, each of the plurality of personal control ID's being associated with a respective different person and a respective set of stored personal data controllable by the respective different personal; storing a data profile derived from the set of personal data associated with a personal control ID to identify a selected different person and assembled to be used by a selected one or more providers identified by a provider ID; receiving from an ID instrument the personal control ID identifying the selected different person; retrieving from the plurality of sets of personal data a data profile derived from a set of personal data associated with the personal control ID to be used by a selected one of the selected one or more providers identified by the provider ID; and providing the data profile to the selected provider to thereby verify the personal control ID as being associated with a use of the personal control ID prior to proceeding with a transaction.

Claim 18

Dependent Claim 115 words

A method as defined in claim 15 , wherein the ID instrument comprises one or more of a magnetic striped card, a smart card, a bar code, a gift card, an automatic teller machine (ATM) card, a check card, a wallet consolidator, a debit card, a credit card, a smart card, a prepaid card, a personal identification card, a driver's license, a personal computer (PC), a laptop computer, a personal digital assistant (PDA) adapted for infra-red (IR) communication, a check, a keypad, a touchscreen, a voice recognition device, a radio-frequency (RF) device, said RF device comprising at least one of a PDA adapted for RF communication, an RF identification (RFID) tag, and a cell phone.

Claim 19

Dependent Claim 96 words

A method as defined in claim 15 , wherein the personal data comprises one or more of a personal name, a personal ID, a pictorial image of the person, personal fingerprint data, personal checking account data, driver's license data of said person, personal biometric data, a personal social security number, a personal ID password, a personal data password, credit card data, debit card data, prepaid card data, frequent purchaser data, medical data, bank account data, investment data, coupon data, processed data, points, data generated based on existing personal data, and membership ID data of the person.

Claim 20

Dependent Claim 44 words

A method as defined in claim 15 , wherein the data profile is useable in a transaction for at least one of goods, services, grocery items, food, medical services and supplies, insurance premiums, ticketing, a money transfer, and identification services relating to the person.

Claim 21

Independent Claim 89 words

A method comprising: receiving from an ID instrument a personal control ID identifying a selected different person; receiving a data profile derived from a set of personal data associated with the personal control ID, the set of personal data including one or more providers identified by a provider ID; and using the data profile by the one or more providers identified by the provider ID to thereby verify the personal control ID as being associated with a user of the personal control ID prior to proceeding with a transaction.

Claim 22

Independent Claim 89 words

A method comprising: receiving from an ID instrument a personal control ID identifying a selected different person; receiving a data profile derived from a set of personal data associated with the personal control ID, the set of personal data including one or more providers identified by a provider ID; and using the data profile by the one or more providers identified by the provider ID to thereby verify the personal control ID as being associated with a user of the personal control ID prior to proceeding with a transaction.

Claim 23

Dependent Claim 115 words

A method as defined in claim 19 , wherein the ID instrument comprises one or more of a magnetic striped card, a smart card, a bar code, a gift card, an automatic teller machine (ATM) card, a check card, a wallet consolidator, a debit card, a credit card, a smart card, a prepaid card, a personal identification card, a driver's license, a personal computer (PC), a laptop computer, a personal digital assistant (PDA) adapted for infra-red (IR) communication, a check, a keypad, a touchscreen, a voice recognition device, a radio-frequency (RF) device, said RF device comprising at least one of a PDA adapted for RF communication, an RF identification (RFID) tag, and a cell phone.

Claim 24

Dependent Claim 96 words

A method as defined in claim 19 , wherein the personal data comprises one or more of a personal name, a personal ID, a pictorial image of the person, personal fingerprint data, personal checking account data, driver's license data of said person, personal biometric data, a personal social security number, a personal ID password, a personal data password, credit card data, debit card data, prepaid card data, frequent purchaser data, medical data, bank account data, investment data, coupon data, processed data, points, data generated based on existing personal data, and membership ID data of the person.

Claim 25

Dependent Claim 44 words

A method as defined in claim 19 , wherein the data profile is useable in a transaction for at least one of goods, services, grocery items, food, medical services and supplies, insurance premiums, ticketing, a money transfer, and identification services relating to the person.

Claim 26

Dependent Claim 108 words

A program product stored in a tangible computer medium, the program product being operable on a computer to perform the steps of: receiving from an ID instrument a personal control ID identifying a selected different person; receiving a data profile derived from a set of personal data associated with the personal control ID, the set of personal data including one or more providers identified by a provider ID; and using the data profile by the one or more providers identified by the provider ID to thereby verify the personal control ID as being associated with a user of the personal control ID prior to proceeding with a transaction.

Claim 27

Dependent Claim 108 words

A program product stored in a tangible computer medium, the program product being operable on a computer to perform the steps of: receiving from an ID instrument a personal control ID identifying a selected different person; receiving a data profile derived from a set of personal data associated with the personal control ID, the set of personal data including one or more providers identified by a provider ID; and using the data profile by the one or more providers identified by the provider ID to thereby verify the personal control ID as being associated with a user of the personal control ID prior to proceeding with a transaction.

Annuity Stage	Window Opens	Payment Deadline	Surcharge Period Until	Estimated Fee	Status
3.5 Years (Year 4)	2009-07-31	2010-01-30	2010-08-01	$2000.00	Window Closed / Lapsed
7.5 Years (Year 8)	2013-07-31	2014-01-30	2014-08-01	$3760.00	Window Closed / Lapsed
11.5 Years (Year 12)	2017-07-31	2018-01-30	2018-08-01	$7700.00	Window Closed / Lapsed

Method and apparatus for associating identification and personal data for multiple magnetic stripe cards or other sources

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