초록 ▼

A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic

A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction. The central processor extracts and decrypts data elements from the transmitted identifier using the private cryptographic key, compares those data elements with data elements stored in a memory, and verifies the single-use financial account identifier in accordance with the comparison.

대표청구항 ▼

[ We claim:] [14.] A device for providing a second account identifier for use in place of a first account identifier, comprising:a processing unit, said processing unit including a cryptographic processor;an input unit, connected to said processing unit, operable to input information thereto;a displ

[ We claim:] [14.] A device for providing a second account identifier for use in place of a first account identifier, comprising:a processing unit, said processing unit including a cryptographic processor;an input unit, connected to said processing unit, operable to input information thereto;a display unit, connected to said processing unit, operable to display a processing result therefrom; anda memory device connected to said processing unit, said memory device containinga private cryptographic key,a first data element,a second data element anda program, adapted to be executed by said processing unit, toencrypt the first data element using the private cryptographic key and the second data element,modify the second data element,combine the encrypted first data element and the second data element to generate an account identifier that indicates another account identifier, anddisplay the generated account identifier using said display unit.