IPC분류정보
국가/구분 |
United States(US) Patent
등록
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국제특허분류(IPC7판) |
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출원번호 |
US-0395614
(2009-02-27)
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등록번호 |
US-8162208
(2012-04-24)
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발명자
/ 주소 |
- Eckert, Daniel J.
- Zambrano, Hugo A.
- Peters, Douglas
- Bain, Stuart
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출원인 / 주소 |
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대리인 / 주소 |
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인용정보 |
피인용 횟수 :
2 인용 특허 :
51 |
초록
▼
Systems and methods for the generation of user identification strings (UIS) used with multi-function operation vehicles are provided. In some embodiments, a system for activating a user operation vehicle can include an activation portal, a verifier and a UIS generator. The activation portal can requ
Systems and methods for the generation of user identification strings (UIS) used with multi-function operation vehicles are provided. In some embodiments, a system for activating a user operation vehicle can include an activation portal, a verifier and a UIS generator. The activation portal can request a base UIS and a vehicle code identifying a user operation vehicle be supplied by a user. Then, using an encryptor and a communications module, the activation portal can generate an encrypted base UIS and communicate the encrypted base UIS and the vehicle code to the verifier. The verifier can then authenticate the user and identify functions that are linked to the user operation vehicle. The UIS generator can include a decryptor and a UIS generation module to generate a unique account-specific UIS from the encrypted base UIS for each account linked to the user operation vehicle by modifying the base UIS.
대표청구항
▼
1. A system for activating a user operation vehicle comprising: an activation portal to facilitate activation of the user operation vehicle by requesting a base user identification string (UIS) and a vehicle code identifying a user operation vehicle, wherein the activation portal is associated with
1. A system for activating a user operation vehicle comprising: an activation portal to facilitate activation of the user operation vehicle by requesting a base user identification string (UIS) and a vehicle code identifying a user operation vehicle, wherein the activation portal is associated with 1) an encryptor to generate an encrypted base UIS and 2) a communications module to communicate the encrypted base UIS and the vehicle code over a communication network;a verifier in communication with the activation portal through the communication network, wherein the verification system receives the encrypted base UIS and the vehicle code from the activation portal through the communication network, authenticates the vehicle code, and identifies accounts that are linked to the user operation vehicle; anda UIS generator in communication with the activation portal and verification system through the communications network, wherein the UIS generator includes a decryptor and a UIS generation module to generate a unique account-specific UIS from the encrypted base UIS for each account linked to the user operation vehicle by modifying the base UIS, wherein the UIS generator modifies the base UIS to generate the unique account-specific UIS for each account linked to the user operation vehicle by appending a string of one or more additional characters to the base UIS for each account linked. 2. The system of claim 1, further comprising a linkage generator to link one or more accounts to the user operation vehicle. 3. The system of claim 1, wherein the accounts that are linked to the user operation vehicle include two or more of a debit account, a credit account, a consumer to consumer account, a prepaid account, and an accumulated value account. 4. The system of claim 1, wherein the vehicle code includes a primary account number associated with the user operation vehicle. 5. The system of claim 1, wherein the string of one or more additional characters appended to the base UIS include a different single number for each account linked to the user operation vehicle. 6. The system of claim 5, wherein the string of one or more additional characters include the number one for a first debit account, the number two for a first credit account, and the number three for a first accumulated value account. 7. The system of claim 1, further comprising: a linkage generator to link accounts to the user operation vehicle; andan account entry and verification module to generate a user interface screen on the activation portal to receive information from the user regarding one or more user entered accounts, verify the information using the verifier, and link the one or more user entered accounts to the user operation vehicle using the linkage generator. 8. The system of claim 1, further comprising a user interface screen generation module to: display a first user interface screen on a terminal in response to a request to activate the user operation vehicle received through the activation portal, the first user interface screen capable of receiving information regarding accounts to be linked to the user operation vehicle, and wherein the first user interface screen is further capable of sending a linking request to a linkage generator to link the accounts;display a second user interface screen on the terminal in response to the linking request, wherein the second user interface screen displays a linking status for each of the accounts received on the first user interface screen;display a third user interface screen on the terminal that presents a request for the user to enter the base UIS to be associated with the user operation vehicle, wherein upon entry of the base UIS, the base UIS is transmitted to the UIS generator to generate the account-specific UIS for each successfully linked account; anddisplay a fourth user interface screen on the terminal in response to a communication from the UIS generator, wherein the fourth user interface screen displays the account-specific UIS for each of the one or more accounts successfully linked. 9. The system of claim 8, wherein the fourth user interface screen includes a graphical user interface that allows the user to reassociate the account-specific UIS generated for one account with another account. 10. The system of claim 8, wherein the third user interface screen includes 1) a computer application that presents the request for the user to enter the base UIS and 2) a base UIS generator link that will select a base UIS from information about the user stored in one or more fields. 11. The system of claim 10, further comprising a random field selection module to select randomly a selected field from the one or more fields. 12. The system of claim 10, wherein the information about the user stored in the one or more fields include a social security number, a zip code, a telephone number, and a number from a street address. 13. The system of claim 1, wherein the encryptor and the decryptor include only hardware components. 14. The system of claim 1, wherein the encryptor and the decryptor include one or more nCipher host security modules. 15. The system of claim 1, wherein the encryptor and the decryptor use one or more of triple DES encryption, secure sockets layer (SSL) encryption, transport layer security (TLS) encryption, and public/private key encryption. 16. The system of claim 1, wherein the communication network is an Internet. 17. The system of claim 1, further comprising: a point of interaction to receive a user entered account-specific UIS and generate a transaction request that includes the user entered account-specific UIS;the verifier to receive the transaction request and identify an account type associated with the user entered account-specific UIS;a switch to route the transaction request through a payment processing system associated with the account type identified by the verifier. 18. The system of claim 17, wherein the user entered account-specific UIS includes a common portion and an account-specific portion that identifies the account type. 19. The system of claim 18, wherein the common portion is the base UIS. 20. A system for activating a user operation vehicle comprising: an activation portal to facilitate activation of the user operation vehicle by requesting a base user identification string (UIS) and a vehicle code identifying a user operation vehicle, wherein the activation portal is associated with 1) an encryptor to generate an encrypted base UIS and 2) a communications module to communicate the encrypted base UIS and the vehicle code over a communication network;a verifier in communication with the activation portal through the communication network, wherein the verification system receives the encrypted base UIS and the vehicle code from the activation portal through the communication network, authenticates the vehicle code, and identifies accounts that are linked to the user operation vehicle; anda UIS generator in communication with the activation portal and verification system through the communications network, wherein the UIS generator includes a decryptor and a UIS generation module to generate a unique account-specific UIS from the encrypted base UIS for each account linked to the user operation vehicle by modifying the base UIS;a user interface screen generation module to: display a first user interface screen on a terminal in response to a request to activate the user operation vehicle received through the activation portal, the first user interface screen capable of receiving information regarding accounts to be linked to the user operation vehicle, and wherein the first user interface screen is further capable of sending a linking request to a linkage generator to link the accounts;display a second user interface screen on the terminal in response to the linking request, wherein the second user interface screen displays a linking status for each of the accounts received on the first user interface screen;display a third user interface screen on the terminal that presents a request for the user to enter the base UIS to be associated with the user operation vehicle, wherein upon entry of the base UIS, the base UIS is transmitted to the UIS generator to generate the account-specific UIS for each successfully linked account; anddisplay a fourth user interface screen on the terminal in response to a communication from the UIS generator, wherein the fourth user interface screen displays the account-specific UIS for each of the one or more accounts successfully linked,wherein the third user interface screen includes 1) a computer application that presents the request for the user to enter the base UIS and 2) a base UIS generator link that will select a base UIS from information about the user stored in one or more fields;a random field selection module to select randomly a selected field from the one or more fields; anda random field portion generator to select a portion of the information stored in the selected field. 21. The system of claim 20, wherein the portion of the information selected by the random field portion generator is the first four numbers or the last four numbers of the information stored in the selected field. 22. A system for activating a operation vehicle comprising: an activation portal to facilitate activation of the user operation vehicle by requesting a base user identification string (UIS) and a vehicle code identifying a user operation vehicle, wherein the activation portal is associated with 1) an encryptor to generate an encrypted base UIS and 2) a communications module to communicate the encrypted base UIS and the vehicle code over a communication network;a verifier in communication with the activation portal through the communication network, wherein the verification system receives the encrypted base UIS and the vehicle code from the activation portal through the communication network, authenticates the vehicle code, and identifies accounts that are linked to the user operation vehicle;a UIS generator in communication with the activation portal and verification system through the communications network, wherein the UIS generator includes a decryptor and a UIS generation module to generate a unique account-specific UIS from the encrypted base UIS for each account linked to the user operation vehicle by modifying the base UIS;a point of interaction to receive a user entered account-specific UIS and generate a transaction request that includes the user entered account-specific UIS;the verifier to receive the transaction request and identify an account type associated with the user entered account-specific UIS; anda switch to route the transaction request through a payment processing system associated with the account type identified by the verifier,wherein the user entered account-specific UIS includes a common portion and an account-specific portion that identifies the account type; andwherein user entered account-specific UIS is a five digit number with the last digit identifying the account type. 23. A system for generating account-specific user identification strings (UIS), the system comprising: a communication device in communication with an activation portal used to activate a user operation vehicle;a processor in communication with the communication device and a memory;a linkage determiner and a decryptor operable with the memory to cause the processor, after a base UIS that is encrypted is received by the communication device, to decrypt the base UIS and determine a list of accounts linked to the user operation vehicle; andwherein the processor also generates a unique account-specific UIS for each account linked to the user operation vehicle by modifying the base UIS. 24. The system of claim 23, wherein to generate the unique account-specific UIS for each account linked to the user operation vehicle by modifying the base UIS the processor causes one or more additional characters to be appended to the base UIS for each account linked to the user operation vehicle. 25. The system of claim 24, wherein the one or more additional characters are numbers. 26. The system of claim 23, wherein the processor determines a function type for each account linked to the user operation vehicle, associate a number with each account in the determined function types, and generate the unique account-specific UIS by adding a function offset associated with the account type, the number associated with the account, and the base UIS. 27. The system of claim 23, wherein the processor also: encrypts each account-specific UIS generated;communicates each encrypted account-specific UIS to a payment network that includes a UIS database; andstores the account-specific UIS for each account linked to the user operation vehicle in the UIS database. 28. The system of claim 23, further comprising: a verification module to verify user operation vehicle identification information; andwherein the processor also: displays an identification user interface screen through the activation portal, wherein the identification user interface screen is operable to receive the user operation vehicle identification information; andverifies the user operation vehicle identification information entered through the identification user interface screen by transmitting the user operation vehicle identification information to the verification module. 29. A computer-implemented method comprising: receiving, at a user identification string (UIS) generator, an encrypted base UIS from an activation portal;using a decryptor to determine a base UIS by decrypting the encrypted base UIS received from the activation portal;determining a list of accounts linked to a user operation vehicle; andgenerating an account-specific UIS for each account linked to the user operation vehicle by modifying the base UIS,wherein modifying the base UIS includes appending one or more additional numbers to the base UIS for each account linked to the user operation vehicle. 30. The computer-implemented method of claim 29, wherein the one or more additional numbers appended to the first UIS include the number one for a first debit account, the number two for a first credit account, and the number three for a first accumulated value account. 31. The computer-implemented method of claim 30, further comprising: receiving a user entered account-specific UIS as part of an authorization request from a point of interaction device;identifying the account associated with the user entered account-specific UIS; androuting the transaction request through a function processor associated with the account. 32. The computer-implemented method of claim 31, wherein the user entered account-specific UIS is a five digit number, where the last digit identifies the account. 33. The computer-implemented method of claim 29, further comprising: encrypting, using an encryptor, each account-specific UIS generated;communicating each encrypted account-specific UIS to a UIS verifier that includes a UIS database;decrypting each encrypted account-specific UIS communicated to the UIS verifier; andstoring the account-specific UIS for each account linked to the user operation vehicle in the UIS database. 34. The computer-implemented method of claim 33, wherein encrypting each account-specific UIS generated is done using one or more of triple DES encryption, secure sockets layer (SSL) encryption, transport layer security (TLS) encryption, and public/private key encryption. 35. The computer-implemented method of claim 29, further comprising displaying a graphical user interface on a terminal that allows a user to access the activation portal;receiving the base UIS from a user through the graphical user interface;encrypting the base UIS to generate the encrypted base UIS; andtransferring the encrypted base UIS to the UIS generation system. 36. The computer-implemented method of claim 35, wherein the base UIS received through the graphical user interface is a four digit number. 37. The computer-implemented method of claim 29, further comprising generating reward UIS screen for display on a terminal, wherein the reward UIS screen allows entry of one or more reward UIS's that will be associated with one or more rewards at a future time. 38. The computer-implemented method of claim 29, further comprising generating a reward UIS that can be used for a reward. 39. The computer-implemented method of claim 38, further comprising sending an email or short message service (SMS) message to a user advising the user that entering the reward UIS at a point of interaction (POI) will result in the reward being applied. 40. The computer-implemented method of claim 38, wherein the reward is a one-time percentage discount or a one-time bonus. 41. The computer-implemented method of claim 40, wherein the reward is granted after a predetermined number of uses of the user operation vehicle with the reward UIS. 42. The computer-implemented method of claim 29, further comprising generating a completion screen for display on a terminal, wherein the completion screen provides an indication to a user that the generation of the account-specific UIS for each account linked to the user operation vehicle is complete and a list of the account-specific UIS generated for each account. 43. The computer-implemented method of claim 42, wherein the completion screen includes a graphical user interface that allows the user to reassociate the account-specific UIS generated for one account with another account. 44. The computer-implemented method of claim 29, further comprising: displaying an identification user interface screen to receive user operation vehicle identification information; andverifying the user operation vehicle identification information by transmitting to an vehicle information verifier the user operation vehicle identification information received through the identification user interface screen. 45. The computer-implemented method of claim 29, wherein determining a list of accounts linked to the user operation vehicle comprises: displaying an account user interface screen to receive information about one or more accounts to be associated with the user operation vehicle;receiving, at the account user interface screen, a list of accounts to be associated with the user operation vehicle; andtransferring the list of accounts to a UIS generator. 46. The computer-implemented method of claim 29, wherein determining a list of accounts linked to the user operation vehicle comprises: receiving user operation vehicle identification information; andsearching an account database for accounts that can be linked with the received user operation vehicle identification information. 47. The computer-implemented method of claim 46, further comprising: displaying an account user interface screen that includes a list of the accounts found in the account database that can be linked with the user operation vehicle;receiving a selection input from a user selecting some or all of the accounts on the list to generate a selected set of accounts; and transferring the selected set of accounts to a UIS generator. 48. The computer-implemented method of claim 29, wherein the list of accounts linked to the user operation vehicle includes two or more of a credit account, a debit account, a prepaid account, a consumer to consumer account, or a reward account. 49. A computer-readable storage medium containing a set of instructions capable of causing one or more processors to: receive a base user identification string (UIS) to be associated with one or more accounts linked to a user operation vehicle; andgenerate a unique account-specific UIS for each of the one or more accounts linked to the user operation vehicle modifying the base UIS,wherein the set of instructions modify the base UIS by appending one or more additional characters to the base UIS for each of the one or more accounts. 50. The computer-readable storage medium of claim 49, wherein the set of instructions are further capable of causing one or more processors to: monitor for a set base UIS request or a change base UIS request;generate a UIS portal after the set base UIS request or the change base UIS request has been detected, wherein the UIS portal allows a user to enter a new base UIS;generate an encrypted base UIS by encrypting the base UIS entered by the user; andtransfer the encrypted base UIS to a UIS generator. 51. The computer-readable storage medium of claim 50, wherein the UIS portal is a webpage. 52. An apparatus for activating a user operation vehicle, the apparatus comprising: a means for receiving a base user identification string (UIS) to be associated with one or more accounts linked to the user operation vehicle; anda means for generating a unique account-specific UIS for each of the one or more accounts linked to the user operation vehicle modifying the base UIS,wherein the means to generate a unique account-specific UIS modifies the base UIS by appending one or more additional characters to the base UIS for each of the one or more accounts. 53. An apparatus for activating a user operation vehicle, the apparatus comprising: a means for receiving a base user identification string (UIS) to be associated with one or more accounts linked to the user operation vehicle;a means for generating a unique account-specific UIS for each of the one or more accounts linked to the user operation vehicle modifying the base UIS;a monitoring means for monitoring for a set base UIS request or a change base UIS request;a generation means for generating a UIS portal after the set base UIS request or the change base UIS request has been detected, wherein the UIS portal allows a user to enter a new base UIS; andan encryptor to generate an encrypted base UIS by encrypting the base UIS entered by the user. 54. The apparatus of claim 53, wherein the UIS portal includes a computer application that allows the user to enter the new base UIS. 55. The apparatus of claim 53, wherein the UIS portal includes a link to select a base UIS from user information stored in or more fields. 56. The apparatus of claim 55, wherein the user information stored in the one or more fields include a social security number, a zip code, a telephone number, and a street address. 57. The apparatus of claim 55, further comprising a field selection means for randomly selecting a field of information from the one or more fields. 58. The apparatus of claim 57, further comprising a portion selection means for selecting a portion of the information stored in the field selected by the field selection means. 59. The apparatus of claim 58, wherein the portion of the information selected by the portion selection means is the first four numbers or the last four numbers of the information stored in the selected field.
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