초록 ▼

A unitary, self-contained card (10) 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 entere

A unitary, self-contained card (10) 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).

대표청구항 ▼

A unitary, self-contained card capable of storing and generating information independently of systems external to said card to verify proper use of said card comprising: data entry means for entering a personal identification number into said card; electronic memory means for storing a predetermined

A unitary, self-contained card capable of storing and generating information independently of systems external to said card to verify proper use of said card comprising: data entry means for entering a personal identification number into said card; electronic memory means for storing a predetermined personal identification number associated with said card and an encryption algorithm (N); data processing means comprising: means for comparing said personal identification number entered through said data entry means with said predetermined personal identification number stored in said electronic memory means to generate a PIN validation signal upon favorable comparison of said personal identification number entered through said data entry means and said predetermined personal identification number stored in said electronic memory means; means for generating a transaction key number (KLM) which is generated in response to said PIN validation signal and which is different each time said PIN validation signal is generated; means for generating an algorithmic code number (XYZ) from said transaction key number (KLM) in accordance with said encryption algorithm (N); means for generating a transaction identification code number (TIC) from said transaction key number (KLM) and said algorithmic code number (XYZ); means for displaying on said card said transaction identification code (TIC) so that the validity of said use of said card can be verified by knowing said encryption algorithm (N) and by identifying said transaction key number (KLM) and said algorithmic code number (XYZ) in said transaction identification code (TIC) and verifying said algorithmic code number (XYZ) by deriving said algorithmic code number (XYZ) from said transaction key number (KLM) and said encryption algorithm (N).