GB2334362A - Improvements in or relating to credit cards - Google Patents

Improvements in or relating to credit cards

Info

Publication number
GB2334362A
GB2334362A GB9913407A GB9913407A GB2334362A GB 2334362 A GB2334362 A GB 2334362A GB 9913407 A GB9913407 A GB 9913407A GB 9913407 A GB9913407 A GB 9913407A GB 2334362 A GB2334362 A GB 2334362A
Authority
GB
United Kingdom
Prior art keywords
data
verification
transaction
central computer
credit card
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Granted
Application number
GB9913407A
Other versions
GB2334362B (en
GB9913407D0 (en
Inventor
Yogendra Khimji Raja
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from GBGB9626020.3A external-priority patent/GB9626020D0/en
Application filed by Individual filed Critical Individual
Priority to GB9913407A priority Critical patent/GB2334362B/en
Publication of GB9913407D0 publication Critical patent/GB9913407D0/en
Publication of GB2334362A publication Critical patent/GB2334362A/en
Application granted granted Critical
Publication of GB2334362B publication Critical patent/GB2334362B/en
Anticipated expiration legal-status Critical
Expired - Fee Related legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/347—Passive cards
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1075—PIN is checked remotely
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/12—Card verification
    • G07F7/125—Offline card verification

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

To improve security and prevent fraudulent use of a credit card (40), there is provided a verification device (10) which is separate from the credit card and bears different data, e.g. on a magnetic strip. At the time of a transaction the data is read (32) to verify that it relates to the credit card in use before the transaction is allowed to proceed. The data is preferably read by a separate reader (24) so that it never needs to leave the hands of the owner, although a common reader could be used. A PIN number may also be entered (24) at the time of the transaction for verification. Preferably the different data comprises (a) data enabling an initial verification check at the reader (b) data which is essentially unique to a particular card for a second verification at a central computer; and (c) variable data for verification at the central computer, and which is thereafter altered and rewritten both at the central computer and on the verification device.
GB9913407A 1996-12-14 1997-12-12 Improvements in or relating to credit cards Expired - Fee Related GB2334362B (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB9913407A GB2334362B (en) 1996-12-14 1997-12-12 Improvements in or relating to credit cards

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
GBGB9626020.3A GB9626020D0 (en) 1996-12-14 1996-12-14 Improvements in or relating to credit cards
PCT/GB1997/003448 WO1998027519A1 (en) 1996-12-14 1997-12-12 Improvements in or relating to credit cards
GB9913407A GB2334362B (en) 1996-12-14 1997-12-12 Improvements in or relating to credit cards

Publications (3)

Publication Number Publication Date
GB9913407D0 GB9913407D0 (en) 1999-08-11
GB2334362A true GB2334362A (en) 1999-08-18
GB2334362B GB2334362B (en) 2000-03-08

Family

ID=26310633

Family Applications (1)

Application Number Title Priority Date Filing Date
GB9913407A Expired - Fee Related GB2334362B (en) 1996-12-14 1997-12-12 Improvements in or relating to credit cards

Country Status (1)

Country Link
GB (1) GB2334362B (en)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3582890A (en) * 1969-12-01 1971-06-01 Leslie C Rivers Credit key
US3593291A (en) * 1969-01-24 1971-07-13 Thomas W Sullivan Automatic identification system and method
US3859508A (en) * 1973-01-24 1975-01-07 Dasy Int Sa Method of control of legitimacy safe against forgery
EP0106361A2 (en) * 1982-10-19 1984-04-25 Omron Tateisi Electronics Co. Terminal device for making payments for credit transactions
EP0397512A2 (en) * 1989-05-11 1990-11-14 Material Engineering Technology Laboratory, Inc. Method for preventing the unauthorized/illegal use of card-type information medium
EP0552078A1 (en) * 1992-01-14 1993-07-21 Gemplus Card International Insertable card for microcomputer constituting a reader for cards with flat contacts

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3593291A (en) * 1969-01-24 1971-07-13 Thomas W Sullivan Automatic identification system and method
US3582890A (en) * 1969-12-01 1971-06-01 Leslie C Rivers Credit key
US3859508A (en) * 1973-01-24 1975-01-07 Dasy Int Sa Method of control of legitimacy safe against forgery
EP0106361A2 (en) * 1982-10-19 1984-04-25 Omron Tateisi Electronics Co. Terminal device for making payments for credit transactions
EP0397512A2 (en) * 1989-05-11 1990-11-14 Material Engineering Technology Laboratory, Inc. Method for preventing the unauthorized/illegal use of card-type information medium
EP0552078A1 (en) * 1992-01-14 1993-07-21 Gemplus Card International Insertable card for microcomputer constituting a reader for cards with flat contacts

Also Published As

Publication number Publication date
GB2334362B (en) 2000-03-08
GB9913407D0 (en) 1999-08-11

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Legal Events

Date Code Title Description
PCNP Patent ceased through non-payment of renewal fee

Effective date: 20111212