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
  • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• • 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
  • G06Q20/346—Cards serving only as information carrier of service
• • 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
  • G07F7/0806—Details of the card
  • G07F7/0833—Card having specific functional components

Definitions

• the present invention relates to a method of storing and retrieving personal codes, such as door codes, automatic teller codes, bank account numbers, etc..
• a serious problem in modern-day society is that a large number of people must be able to remember a large number of codes in order to be able to use a large number of different services, such as cash card and switch card services, automatic teller services, etc.. It is also necessary to be able to memorise other codes, such as door opening codes, computer passwords and so on. Many people also require access to bank account numbers, cash card numbers, insurance numbers, etc., in order to be able to block an account or to carry out different transactions.
• the present invention thus relates to a method of storing and retrieving personal codes, such as door codes, cash card codes, bank account numbers, and so on, and is characterised by using a central computer with an associated database in which one or more personal codes can be inserted and stored together with a unique code belonging to a specific person, by retrieving one or more personal codes from the database by entering the unique code of said specific person into said computer, wherewith the computer is caused to open the database with respect to the personal codes belonging to said specific person, and causing the computer to transfer one or more requested codes .
• personal codes such as door codes, cash card codes, bank account numbers, and so on
• the present invention is not restricted to the storage and retrieval of personal codes, such as door codes, automatic teller or cashpoint codes, bank account numbers, etc., but can be applied in respect of all manner of sensitive information.
• the data concerned may relate to telephone numbers, dates at which different events take place, etc.
• central computer 1 and associated database 2 in which one or more personal codes are. entered and stored together with a code which is unique to a specific person.
• the codes can be entered into the database 2 via the computer 1, in different ways.
• a first way is via a PC 2 , in which the person concerned connects the PC to the computer 1 and transfers thereto information which is stored in the computer memory 2.
• a second way is one where the person concerned fills in a form 4 and sends the form to the database operator. The operator then enters the information shown on the form 4.
• a third way is to insert information by means of an SMS-message via a mobile telephone 5, by connecting the mobile telephone to the computer 1 via a telephone network.
• a mailbox which is personal to the person concerned.
• the address of the mailbox in the database may be the identification number of said person or some corresponding person specific number.
• the mailbox is, in fact, a data file.
• the computer In establishing a mailbox, i.e. subsequent to a person signing a subscription for an existing service, the computer is caused to generate a personal identification number, a PIN code or the like, which is sent to the person concerned in a manner corresponding to the manner in which PIN codes are generated in respect, of switch cards, cash cards and the like.
• the PIN code is stored in the database 2 and coupled to the personal identification number. It will preferably not be possible to extract the PIN code from the system without first going through special procedures.
• data is entered into the database in the following way:
• the person concerned connects his/her mobile telephone to the operator of the database 2.
• the person then enters a number of data items, where each item relates to a code.
• Personal number, item and code are suitably entered in sequence and the input transaction terminated with a character input, such as a # sign on the telephone.
• the next data item is then entered in the same way, and so on.
• the items can be likened to positions for so-called card numbers on a telephone.
• the information is stored together with the PIN-code.
• one or more personal codes is/are retrieved from the database, by causing the unique code of the specific person concerned to be entered into the computer, wherewith the computer is caused to open the database with regard to the personal codes belonging to said specific person, and the computer therewith caused to transmit one or more requested codes.
• the person fetches information relating to a code
• he/she connects his/her mobile telephone for instance to the computer 1, via a telephone network, and then enters his/her personal identification number followed by the PIN-code.
• the computer checks that the personal number belongs together with the entered PIN code.
• the computer opens the mailbox belonging to said person in the database.
• the person concerned could retrieve the code requested.
• One method is for the computer to inform the person that access to the mailbox has been granted, for instance by a voice message or by a telephone display message, whereafter the person is asked to enter the number of the data item under which the code is stored. For instance, the person may wish to know the automatic teller code. The person will then press digit 1 on the telephone, followed for instance by the character * on the telephone.
• the computer therewith reads data record number 1 in the mailbox having number 600101-0034 and sends the information under this entry to the telephone, i.e. "5334", either in the form of a voice message or by printing 5334 on the telephone display.
• the person can scan or scroll between different items, by pressing down keys on his/her telephone, i.e. in the same way as it is possible to skim through different card numbers on a mobile telephone and have these numbers shown on the display.
• the computer it is appropriate for the computer to send certain text, which discloses the code concerned, to the telephone, said text being shown on the telephone display.
• the database 2 person specific data which is solely in the form of said personal number or corresponding information.
• the PIN code is thus not entered in this case, but is generated by the database.
• the PIN code cannot be read from the system without following special routines, as before mentioned. This means that no one is able to read both personal number and PIN code from the database in order to open the mailbox of a given person without being authorised to do so, and therewith obtain access to the personal codes.
• a second computer 6 and associated database 7 in which person specific data, such as name, address and personal number is stored, although not the entire person specific code and at least not the secret part of the person specific code, wherewith said second database 7 is separate from the first- mentioned computer 1 and associated database 2.
• the second computer 6 and associated database 7 are used to keep a register of those who subscribe to existing services and to bill the subscribers by writing out invoices on a writer 8 and dispatching the invoices.
• the second computer 6 is also adapted to send intermittently to the first computer records that include the current subscribers that can thus utilise the service provided by the first computer 1 and its associated database 2.
• information concerning the name, address, etc., of the subscriber is stored in a database 7, while information concerning the subscriber's person specific code is stored in the first database 2. This makes unlawful entry still more difficult to achieve.
• the first computer 1 and its database 2 will preferably be managed by a well-established security company, whereas the second computer 6 and its database 7 can be managed by an administrative company without the same high security requirement .
• Each of the two aforesaid companies may have a respective secret key which must be used together in the first computer 1 in order to obtain access thereto, such as to enable a person who has forgotten his/her PIN code or who finds it necessary for other reasons to go into the first database 2 and therewith obtain his/her personal number and associated PIN code to do so.
• the mailbox is coupled to a certain mobile telephone subscription such that the mobile telephone number will be included as part of the personal code.
• the mobile telephone is coupled to the first-mentioned computer 1, whereafter the person concerned enters his/her unique code.
• the computer 1 is herewith caused to sense the calling telephone number and compare this number with the unique code belonging to said specific person so as to verify access to the stored codes of the person concerned.
• SIM card or the like mounted in a mobile telephone.
• the way in which information is fed into and out of the database 2 can be varied to suit different, desired procedures.
• the method in which data is stored in the database can also be varied.
• personal code also includes numbers, and text parts other than codes in the true meaning of the word. For instance, important data or important addresses, etc., can be entered in the form of a personal code in the present meaning .

Landscapes

• General Physics & Mathematics (AREA)
• Physics & Mathematics (AREA)
• Engineering & Computer Science (AREA)
• Business, Economics & Management (AREA)
• Accounting & Taxation (AREA)
• Strategic Management (AREA)
• Computer Networks & Wireless Communication (AREA)
• General Business, Economics & Management (AREA)
• Microelectronics & Electronic Packaging (AREA)
• Theoretical Computer Science (AREA)
• Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
• Mobile Radio Communication Systems (AREA)
• Telephonic Communication Services (AREA)

Applications Claiming Priority (3)

Publications (1)

Family

ID=20411076

Family Applications (1)

Country Status (5)

Families Citing this family (8)

Family Cites Families (3)

• 1998
  • 1998-04-23 SE SE9801441A patent/SE512671C3/sv not_active IP Right Cessation
• 1999
  • 1999-04-22 EP EP99948537A patent/EP1073961A2/en not_active Withdrawn
  • 1999-04-22 AU AU43001/99A patent/AU4300199A/en not_active Abandoned
  • 1999-04-22 WO PCT/SE1999/000656 patent/WO1999056520A2/en not_active Application Discontinuation
• 2000
  • 2000-10-16 NO NO20005192A patent/NO20005192L/no not_active Application Discontinuation

Non-Patent Citations (1)

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