HU0102408A2 - Method and system to perform credit card transactions - Google Patents

Method and system to perform credit card transactions Download PDF

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Publication number
HU0102408A2
HU0102408A2 HU0102408A HU0102408A HU0102408A2 HU 0102408 A2 HU0102408 A2 HU 0102408A2 HU 0102408 A HU0102408 A HU 0102408A HU 0102408 A HU0102408 A HU 0102408A HU 0102408 A2 HU0102408 A2 HU 0102408A2
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HU
Hungary
Prior art keywords
credit card
identification number
card identification
use
limited
Prior art date
Application number
HU0102408A
Other languages
Hungarian (hu)
Other versions
HU0102408A3 (en
Inventor
Daniel Ian Flitcroft
Graham O'donnell
Original Assignee
Orbis Patents Ltd.
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Filing date
Publication date
Family has litigation
Priority to IES980223 priority Critical
Priority to IES980346 priority
Priority to IES980458 priority
Priority to US9250098P priority
Priority to US9817598P priority
Priority to US9961498P priority
Priority to US09/235,836 priority patent/US6636833B1/en
Application filed by Orbis Patents Ltd. filed Critical Orbis Patents Ltd.
Priority to PCT/IE1999/000016 priority patent/WO1999049424A1/en
Publication of HU0102408A2 publication Critical patent/HU0102408A2/en
First worldwide family litigation filed litigation Critical https://patents.darts-ip.com/?family=49356554&utm_source=google_patent&utm_medium=platform_link&utm_campaign=public_patent_search&patent=HU0102408(A2) "Global patent litigation dataset” by Darts-ip is licensed under a Creative Commons Attribution 4.0 International License.
Publication of HU0102408A3 publication Critical patent/HU0102408A3/en

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Classifications

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    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
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    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/0806Details of the card
    • G07F7/0813Specific details related to card security
    • GPHYSICS
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    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
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    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
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    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • GPHYSICS
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    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
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    • G06Q20/105Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
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    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/08Payment architectures
    • G06Q20/16Payments settled via telecommunication systems
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
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    • G06Q20/00Payment architectures, schemes or protocols
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    • GPHYSICS
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    • G06Q20/00Payment architectures, schemes or protocols
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    • G06Q20/28Pre-payment schemes, e.g. "pay before"
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
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    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
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    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
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    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/355Personalisation of cards for use
    • G06Q20/3552Downloading or loading of personalisation data
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/357Cards having a plurality of specified features
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/382Payment protocols; Details thereof insuring higher security of transaction
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/385Use of an alias or a single-use code
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401Transaction verification
    • G06Q20/4016Transaction verification involving fraud or risk level assessment in transaction processing
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02Banking, e.g. interest calculation, credit approval, mortgages, home banking or on-line banking
    • G06Q40/025Credit processing or loan processing, e.g. risk analysis for mortgages
    • GPHYSICS
    • G06COMPUTING; CALCULATING; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/04Exchange, e.g. stocks, commodities, derivatives or currency exchange
    • GPHYSICS
    • G07CHECKING-DEVICES
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    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F19/00Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20Automatic teller machines [ATMs]
    • G07F19/205Housing aspects of ATMs
    • G07F19/2055Anti-skimming aspects at ATMs
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
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    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
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    • G07F7/08Mechanisms 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
    • G07F7/12Card verification
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Abstract

The present invention relates to a credit card system (100) and a credit card procedure which reduces the likelihood of illegal use of credit cards. The system (100) is based on one or more restricted credit card identification numbers (124) assigned to a major credit card identification number, in the same format as the identification number, and randomly setting the key. Limited Use Credit Cards are suitable for one or more transaction execution and may be restricted under different conditions (122). After limited use conditions, limited-use credit card numbers (124) are deactivated by the system. In limited use credit card transactions, the main credit card identification number is not included and the credit card identification number from the limited use credit card number cannot be generated in any way, thereby reducing the likelihood of abuse of the main credit card identification number. The system (1) can be implemented by computer means (120, 128,118,131), which may be part of a central processing station (102), and by transaction stations having ATMs (108), credit card scrapers (106), or other electronic devices (104). ) may be connected via a computer network or via the Internet (112). The system (100) uses encryption during communication. Assigning limited usage credit cards or a limited-use credit card identifier to the user is possible in various ways, via ATMs (108), account statements (136), or via the Internet (112). HE

Description

COPIES / ^,

EXTRACT

Procedure and system for performing credit card operations

The present invention relates to a credit card system (I) and a credit card procedure that reduces the likelihood of illegal use of credit cards. The system (I) is based on one or more limited-use credit card identification numbers (124) assigned to a major credit card identification number, in the same format as the identification number, and randomly generated. Limited Use Credit Cards are suitable for performing one or more transactions, and may be restricted under different conditions (122). After the limited use conditions, limited-use credit card identification numbers (124) are deactivated by the system. In credit card transactions with limited use, the main credit card identification number is not involved and the main credit card identification number from the restricted credit card identification number can not be generated in any way, thus reducing the likelihood of abuse of the main credit card identification number. The system (1) can be implemented by computer means (120, 128, 118, 130), which may be part of a central processing station (102) and with transaction stations that are ATMs (108), credit card scrapers (106), or others. electronic devices (104) may be connected via a computer network or the Internet (112). In the system (encryption is used during communication. Delivery of limited use credit cards or limited use credit card numbers to the user is possible in various ways, via ATMs (108), account statements (136) or via the Internet (112)).

Typical Figure 1

71.018 / ΒΤΊ * October 16, 2000

DISCLOSURE

EXAMPLES • · · · · ►

71 018 / ΒΤ

SBG & Κ ·

International

Patent Office

PCT / IE99 / 00016

QJi-XD'g

Procedure and system for performing credit card operations

Orbis Patents Limited, Dublin, IE

The present invention relates to a credit card system and method, more specifically, to a credit card system and process that reduces the possibility of using credit card identification numbers irregularly.

The development of electronic retail sales was relatively slow, despite the high demand for such trade. The greatest individual retention factor against the expansion of retail e-commerce is the possibility of abuse. This possibility of abuse was a major concern for credit card companies and financial institutions, as well as for customers and companies providing goods or services.

The former are concerned about counterfeiting and abuse, since financial institutions are basically those organizations that have to cover the initial costs of abuse. In addition, credit card companies have an efficient credit card system that works well for face-to-face transactions, ie "card presentation" transactions, when the credit card is physically presented to the merchant, and the merchant receives the credit card ID, compares signatures, in many cases even photographs, before accepting a credit card.

71.018 / ΒΤΊ * October 16, 2000

• ·

-2►

The latter (ie users and service providers) are both concerned about counterfeiting because they are well aware of the identification number that ultimately the user has to pay the price of counterfeiting. However, there are certain personal problems for the user if it is possible that the unauthorized use of the credit card or the credit card identification number by a third party may not be available for a certain period of time. This can happen even if the credit card is still in the possession of the user. In addition, when fraud occurs, the user is obliged to convince the credit card issuer that a third party fraud has actually occurred.

In addition to the above, there is also a fear that the credit card frame will be exceeded. In this way, in the event of a fraud, credit card holders with relatively high usage limits may notice the occurrence of fraud in a significant period of time. One form of fraud that is commonly referred to as "peeling" is particularly difficult to influence. What happens at this time is that the credit card owner offers his card to a company to execute a transaction, the relevant information is read electronically and / or physically from the card, and then the credit card is copied. This is a particular problem especially for travelers, especially when traveling for a longer period of time, because a counterfeit credit card may appear at other locations and it may take a long time to detect counterfeiting.

In the case of remote use of the credit card, the cardholder must provide his / her name, master credit card (master card) identification number, expiration date and address and very often the additional details required for the check; storing and updating such information is costly, but necessary. This in itself represents a significant security risk, as it is evident that this information can be used to pay for goods and services through fraud by debiting the credit card holder's card account. Such false use is not limited to those with whom the credit card information has been disclosed in an authorized manner, but may also extend to any person who unlawfully adds metal to such credit.

71 018/2 * BT * 16.10.2000.

► for details. One of the major problems with this kind of fraud is that the credit card may still be held by the rightful owner even when the counterfeit transaction is committed. This form of fraud is often referred to as a "bet number". Indeed, for this type of fraud, a single unfair employee is enough, for example, in a shop, hotel or restaurant that records the credit card identification number. This is not the same as credit card theft.

The current procedures for limiting credit card fraud are based on the reporting of credit card theft and complex control systems in which the changed way of using a credit card initiates certain issues from the credit card company. Many credit card owners have certainly received phone calls when they used their card in an exceptional way or in an unusual way in the eyes of the organization performing the audit activity.

In this way, significant progress has been made in overcoming such fundamental fraud problems, both in the general field of fraud in the daily use of credit cards and in the area of the remote card use mentioned above.

One of the developments is the so-called. The introduction of smart (smart) credit cards is a credit card device that has built-in electronic circuits that can either store information or perform calculations. Generally speaking, such credit cards contribute to the security systems of credit cards by using a certain encryption system. An example of such smart cards is disclosed in U.S. Patent No. 5,317,636.

Another form of development is the Secure Electronic Transaction (SET Secure Electronis Transaction) protocol, which illustrates the collaboration between a number of leading computer companies and the credit card industry, particularly in relation to electronic transfer of credit card information, primarily via the Internet. This system provides a detailed protocol for encrypting credit card details as well as checking participants in an electronic transaction.

71 018/3 * BT * 16.10.2000.

• ·· «

-4 • · · · · · · · ·. ·· * ··· ·· · · · ·

A further method specifically intended for Intem is disclosed in U.S. Patent Nos. 5,715,314 (Payne et al.) And U.S. Patent No. 5,715,314, and this method uses an access message that includes a product identifier and an access message authenticator. that are based on a secret key. A computer initiating a purchase sends a payment message that identifies a specific product to a paying computer. The pay computer is programmed to receive the payment message, create the access message, and send the access message to a merchant's computer. Once the access code is associated with a particular product and a specific merchant computer, the access message cannot be generated until the buyer sends his payment message to the paying computer. Once the access message differs from the existing credit card formats, the access message is not suitable for telephone / letter orders and other traditional credit card transactions.

There are also special electronic transaction systems such as "Cyber Cash", "Check Free" and "First Visual". Unfortunately, the systems that have been proposed so far include some problems. First, dependence on encryption is always a challenge for those who are trying to break them. The way in which you have access to highly sensitive government information should be cautious against everyone's dependence on encryption methods. Secondly, there is another problem that some of the safest encryption methods are not widely available due to government and other security requirements. Electronic merchant systems and security systems are limited to the use of the Internet. Although e-commerce is, in principle, a high-risk area, it is not the practice today.

In addition to the above, various methods have been developed to make the "card presentation" type of transactions more attractive. For example, Japanese Patent Application Hei 6-282556 discloses a one-time credit card clearing system, such as for teenage credit card holders. This system is hi71.018 / BT * 4 * 16.10.2000.

-5- ·· *! ·· ······ ♦ ··.

«·« ·· · uses a telecard, which can only be used once, which records the same information as the original credit card in a data element, such as personal information, terms of use, and an accepted credit limit, and these data are displayed on the credit card surface. The one-time credit card contains the same personal identification number, expiration date, credit card company code, and other similar information that is found on existing credit cards, and the expiry date of the one-time credit card is fixed, which may not be later than the expiration date of the original credit card as well as additional information such as the credit limit available for a particular card and other similar information. The original credit card uses tools similar to traditional credit card settlement tools. However, this system also requires the recording of usage permission information on the credit card, information that the card can only be used once, or information that makes it impossible to use the card when the credit line is exceeded. The card information is verified by a special card terminal to ensure its correctness and deletes the usage authorization information in the transmission of information sent to the credit card company if the card is not allowed to be used. Use permission information on this card is in the form of a hole. There are obvious drawbacks to this system, such as the need to modify the card terminals for additional functions (such as punching, recognizing existing holes, deleting additional information, etc.). In addition, such a system provides little additional security when fraud can continue to be tracked, for example, by covering holes or otherwise substituting usage information on the credit card. Furthermore, the use of such a system would require the replacement of almost all card terminal equipment.

The 5,627,355 and 5,478,994 (Rahman et al.) Patents disclose another type of system that uses a number of P1Ns (personal identification numbers) that are added to the credit card on an electronic screen. U.S. Patent No. 5,627,355 discloses a credit card having one

71 018/5 * BT * 10.16.2000.

• · • ·· ·

-6>

with a memory element that contains multiple passwords in a predetermined order. These passwords are the same as those of a second password sequence recorded on a central computer. The card also includes a first recorded field that contains an account number (say, "444 222 333"). During operation, the credit card memory element of the credit card device generates a unique password from the stored password sequence for each use of the credit card device. This allows you to check the comparison between the account number and the password transmitted for each use of the credit card device, and the subsequent number indicated by the central computer. The central computer deactivates the password after the transaction is completed. The disadvantages of this type of system include the need for an electrical power supply, a screen, a memory device, a sound generator, and the need to re-use a limited number of PINs cyclically. Such a system is not suitable for direct use with existing credit card transactions, as it does not have the ability to assign a credit card verification number and cannot be read by standard card readers. In addition, if the card is lost or stolen, there is little chance that a foreign person will be prevented from using the credit card until the legitimate owner declares the loss or theft of the card. See also U.S. Patent No. 5,606,614 to Brady et al.

Further attempts have been made to make loans available to one person with appropriate restrictions. For example, U.S. Patent No. 5,350,906 to Brady et al. And U.S. Patent No. 5,326,960 to Tannenbaum et al. Describe temporary PIN numbers that can be used once or for a limited number of times, and a limited amount of credit can be made available for a particular account. for an automatic cash dispenser (ATM). These patents describe a money transfer system and procedure for an ATM network. In this system, a master account holder (ie the sponsor) creates a sub-account to which a non-account holder can access by displaying a credit card with a fixed credit assigned to the sub-account and typing a password assigned to the sub-account.

71 018/6 * BT * 2000.10.1S.

• * «·

Once the fixed credit frame is reached, the card can no longer be used. The fixed credit card contains information about the sponsor credit card on the magnet strip.

The problem with each of these systems is that there are many competing technologies, and therefore there are many kinds of incompatible formats that will both alert traders and users. Similarly, many of these systems require that the technology currently used at the point of sale be changed, which requires significant investment and further restricts the spread of these systems.

There are many solutions for solving credit card security issues. However, none of these suggestions is used to use existing credit cards and existing credit card formats and terminal equipment. As the inventors of the present invention have recognized, the ideal solution would get the functionality of a credit card while never actually disclosing the identity number of the major credit card. However, it is regrettable that the only way to prevent the fraudulent use of the main credit card identification number is to never send the main credit card identification number on any direct line, such as telephone, Internet, mail, and never print the main credit card identification number for transactions, which is currently a common practice.

According to the embodiments presented as an example, the object of the present invention is to improve the existing credit card system by providing a safer way to use existing credit cards and, in particular, to use existing credit cards in a more secure way when executing remote credit card transactions. The present invention also aims to provide existing credit cards with a more secure use process that does not require any major modification of existing credit card systems. In addition, it is an object of the present invention to provide a more perfect credit card system that is more user-friendly and gives users greater confidence in system security.

71 018/7 * BT * 10.16.2000.

· «· *

A further object of the present invention is to provide an improved credit card system which, in one embodiment, does not require the use of costly and potentially decipherable encryption systems. The present invention also aims to provide an improved credit card system that allows the user to utilize the functionality of the credit card while never issuing the main credit card identification number.

The invention also aims to eliminate, as far as possible, fraud and unauthorized use of an unauthorized identification number.

These and other objects of the present invention are satisfied by an exemplary first embodiment, which is the maintenance of a set of multiple credit card numbers comprising the following credit card techniques having the same format; assigning at least one credit card identification number from the credit card identification number set to a master credit card identification number; assigning at least one credit card identification number from the credit card identification number set as a limited-use credit card identification number which is deactivated by a condition subsequently initialized by a user; and assigning the main credit card identification number to the limited-use credit card identification number, while ensuring that the main credit card identification number cannot be discovered by the limited-use credit card identification number.

The technique further includes: receiving a notification that a restricted-use credit card identification number was used in a credit card transaction; determining, on the basis of the notification, whether a restricted use event occurred and, if so, generating a deactivation command; and, after use, the deactivation command triggered by the use of the deactivated credit card deactivated in the event of a limited usage event. In one embodiment, the restricted use event will be satisfied if the limited-use credit card has been used only once. In another embodiment, the restricted usage event will be satisfied when using a limited-use credit card for a specified

71 018/8 * BT * 10.16.2000.

-9 You want to reach more than the amount of money that is greater than a predetermined usage frequency and / or greater than one usage frequency. , individual transaction amount and total amount.

In one embodiment of the invention, the system automatically allocates additional limited-use credit card identification numbers when the credit card user has used a predetermined number of limited-use credit card identification numbers. The advantage of this is that the owner of the main credit card does not need to request new credit card numbers every time they need them.

In another embodiment, we use a technique where a credit card transaction is based on a major credit card identification number and a limited credit card identification number, wherein the limited-use credit card identification number is randomly selected relative to the main credit card identification number, but the limited-use credit card identification number is in the same format as the main credit card identification number and is assigned to the main credit card identification number. The technique includes: entering a transaction based on the main credit card identification number or the limited use credit card identification number to generate a transaction message; receiving the transaction message and processing the transaction. The transaction processing step consists of: authorizing or rejecting the transaction; to determine whether a restricted-use credit card identification number should be deactivated after the limited-use credit card identification number has been used to execute the transaction, and thereby generate a deactivation command where the determination step determines whether the restricted-use credit card is deactivating an ID number is based on whether a limited-use event for a restricted-use credit card has occurred, and if so, generates the deactivation command when the limited-use event occurred; and deactivating the restricted credit card identification number is based on the deactivate command.

One of the advantages of the technique described above is that the credit card owner has access to the functionality of the credit card without ever having a credit card of 71.018 / BT * 9 *.

- Do not give the main credit card ID number during the execution of a transaction. More specifically, according to a preferred embodiment, there is no mathematical relationship between the limited-use credit card identification number and the main credit card identification number. This is due to the fact that, based on the requests and / or requests of different users, the numbers are randomly selected from an available limited-use credit card identification number set. Accordingly, it is virtually impossible to predict in advance which user will request such a number at any time, or how these numbers will be allocated.

In addition, this technique uses a limited-use credit card identification number, and therefore the possibility of using a stolen credit card identification number can be excluded or greatly reduced. Further, in one embodiment of the credit card technique, a predetermined credit limit, etc., is provided. also selected. Regardless of how the merchant acts (for example, falsely over-billing or delivering additional goods), the credit card owner's risk is directly linked to the pre-set credit limit and can therefore be minimized.

The foregoing and further details, features and advantages of the present invention will become apparent from the following description, with appendixes, in which the drawings are:

Figure 1 illustrates an exemplary system for implementing the present invention; the

Figure 2 illustrates the operation of the central processing station shown in Figure 1 with generous steps; the

Figure 3 is a flowchart illustrating an exemplary method of assigning credit card numbers; the

Figure 4 is a flowchart illustrating an exemplary method for limiting the use of a credit card identification number; the

Figure 5 is a flowchart illustrating an exemplary method for allocating credit card identification numbers; the

71 018/10 * BT * 16.10.2000.

rf »·

Figure 11 is a flowchart illustrating the electronic use of credit card identification numbers; the

Figure 7 is a flowchart illustrating an exemplary process for processing a transaction; the

Figure 8 is a flowchart illustrating a further exemplary process of processing a transaction; the

Figure 9 is a flowchart illustrating an example of using a credit card identification number as a PIN number.

In this description, the term "credit card" refers to credit cards (MasterCard®, Visa®, Diners Club®, etc.), debit cards (such as American Express®, certain store cards), debit cards that can be used in automatic money dispensers and many other places, or bank cards that are assigned to a specific account or combinations of the same (for example, American Express® Extended Payments, Visa® logo bearing bank credit cards, etc.). In addition, the "main credit card identification number" and "main credit card" names refer to the credit card identification number and credit card issued by the credit card companies to the user. Note that a bank account may have several major credit cards as defined above. For example, you can employ a number of employees with credit cards from a company, but basically all of these employees may have a major credit card, even if there is only one user bank account. Each of these major credit cards has a unique master credit card number, all of which are assigned to a single bank account. Likewise, several members of a family may have a major credit card, each of which has the same user account.

The term "limited use" credit card identification number is used in the sense that it includes at least the embodiment for which the credit card is designed for a single use, and the embodiments for which the credit card is designed for multiple use, provided that the aggregate load cannot exceed one you have a defined limit or limit, such a total load

71.018 / ΒΤΊ 1 * 16.10.2000

• · «· • ·

- 12-load over a specified period of time, a total load on a single transaction, etc. A common feature is that limited use depends on a later condition triggered by a use, and not just on the credit card expiration date.

1. Overview of system properties

There are at least two different basic ways of carrying out the present invention. In summary, they differ in the way they allocate remote credit card identification numbers and, secondly, in disposable credit cards for remote trading and card presentation trading, both properties provide protection against the worst effects of stolen numbers or the worst of fraudulent fraud, for single use or multiple use.

In an improved embodiment of the invention, it is possible to control the execution of the transaction, which further protects against unscrupulous suppliers and service providers.

There are basically certain things to consider in connection with this invention. These are, first of all, functional or functional properties, if they affect the user, then the technical properties, namely how the invention is implemented, how it is made available to the user, and finally how the invention is handled by the vendor and the supplier. service providers and credit card processing organizations, ie financial institutions and / or institutions providing their services.

The functional or functional properties of the present invention will first be described with reference to a standard credit card system.

The first basic feature of the invention is to provide in a credit card system that all major credit card holders are provided with one or more of the following: 1) additional one-off credit card identification numbers for remote transactions; 2) multiple-use credit card identification numbers for remote transactions; 3) Disposable credit cards for remote use

71 018 / 10.16.2000 * ΒΤ12.

• · · · and card transactions; and 4) multiple-use credit cards for remote and card transactions.

You may also be able to provide credit cards in some situations that have no accounts with any credit card company. This latter property is described in more detail below. In the situations listed above, a number of additional features can be provided that further enhance the security of credit card transactions.

First of all, when dealing with the case where a major credit card holder has an additional credit card identification number that has been made available for single use, it is clear that since the number can only be used for a single transaction, the fact that the number is for anyone else it would be irrelevant after it was deactivated and the main credit card identification number was not brought to the attention of the third party. For such disposable credit card identification numbers, a number of additional features may be added, such as limiting the transaction value, and thus the major credit card holder may have a set of one-off credit card identification numbers of different values. For example, when you make a remote purchase, the main credit card holder will use a credit card ID whose credit limit is only slightly higher than or equal to the transaction value. This will reduce its chances or even prevent an unscrupulous trader using the credit card number to deliver additional goods or services beyond the quantity ordered, or to increase the agreed price.

A second embodiment of the invention provides the principal credit card holder with an additional credit card identification number for remote purchases, such as a credit card number, similar to the previous example of the invention, with a credit barrier for each specific transaction, or having a credit limit, which, if the sum of the transaction value of a series exceeds, the credit card identification number will be deleted, invalidated, or otherwise deactivated. Similarly, a multiple-use credit card identification number may be limited, for example, to a five-fold use of a single credit limit

71 018/13 * BT * 10.16.2000.

- You cannot exceed $ 100 in a 14-transaction, and the amount of transactions cannot exceed $ 400.

Similarly, a time limit for such a credit card identification number within which the card would be deactivated may be added if the credit card was used at a frequency above (or below) a given threshold, e.g. more than one week per week. Obviously, the limitations associated with a single-use credit card identification number or a multi-use credit card identification number are practically unlimited, and other methods may be considered by those skilled in the art in terms of limiting a credit card identification number, either in terms of time, value, frequency of use, geographical location or purpose of use (for example, restricted to Internet commerce only) or in some combination of these different criteria.

A third way of carrying out the invention is to provide physically additional disposable credit cards, each of which would have a unique additional credit card identification number. Such additional disposable credit cards could then be used for remote trading by using the additional credit card identification number for the appropriate transactions, as well as the "card presentation" trading where each card is scrapped as usual. Such a disposable credit card can be made in the same form as any other conventional credit card, or can be made from a relatively inexpensive material, such as cardboard or thin plastic, to which the appropriate information is presented in readable (e.g. magnetic) form used in public transport and similar applications. today. Here, essentially, the same possibilities can be provided as for credit card identification numbers. For example, the use of disposable credit cards may be limited geographically, for single use, for a specified amount, frequency of use, expiration date, and so on. It will be readily apparent to those skilled in the art that many other variations of this principle are possible.

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• ttt

Another embodiment of the invention is to provide the user with a multiple-use additional credit card, wherein the additional credit card provides any restriction that may be used after the use for the desired trigger.

Ideally, regardless of the way in which the invention is implemented, the major credit card holder can be provided with multiple reusable additional credit card identification numbers, or multiple-use credit card identification numbers, or single-use and multiple-use credit cards.

Obviously, it is possible to eliminate or reduce the risk of fraud with a credit card identification number, even with single-use credit card identification numbers or single-use credit cards. Furthermore, irrespective of the credit limit applied to a given credit card identification number, additional credit card identification number, or single use credit card, it is possible to further reduce the possibility of counterfeiting for any remote transaction, with transactions with disposable credit cards being able to exclude or reduce the risk of a charge.

Because of user preferences, multiple credit card identification numbers and reusable credit cards cannot completely eliminate the problems identified above. This is because, under certain circumstances, credit card users may, for example, have an additional credit card identification number for remote purchases with a specific credit limit, and this identification number is used for all such purchases, and they commit to misuse the identification number in the sense that they can control the severity of such abuses. This is especially the case when using various additional restrictions initialized by the user suggested above for the additional credit card identification number. Essentially, the same criteria can be applied to an additional multi-use credit card.

The present invention essentially solves the problem of obtaining the functionality of a credit card while never disclosing in reality

71 018/15 * BT * 16.10.2000.

• · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · Master Credit Card Identification Number, since the main credit card identification number is never given on a remote purchase In addition, we still have to pass the main credit card to a merchant.

In a further embodiment of the invention, it has been contemplated that persons who do not have a major credit card may buy disposable credit cards with a credit limit of the total value that the credit card has been purchased. They can then be used either for card-type purchases or for remote purchases, and the only condition is that if the credit limit is not reached by the purchase, the financial institution or the credit card issuer must reimburse the difference. An obvious way of making such a refund would be to spend money on an ATM (ATM). In this case, we could use the existing credit card transaction system and the credit card owner would enjoy the convenience of using a credit card.

Alternatively, the cards discussed above may actually be debit cards in the true sense, whereby the debits are deducted against a deposit on an account holder account. In this case, the 'credit card' issued, whether it be a one-time or multiple-use credit card, and whether you have a credit barrier or not, would be used to charge the bill immediately. The "credit card" issued in such cases would preferably be a single-use credit card that either has a credit limit or not and would be used and processed by the customer and the merchant as if it were a credit card, while being treated at the client's bank as any other charges on the account.

2. As an example! realization

2.1 Overview of implementation

Various aspects of the invention may be incorporated into a general purpose digital computer running a program or program segments derived from a computer-readable or usable medium, such media being, but not limited to, a magnetic storage device. * 10.16.2000.

- 17z (such as ROMs (read only memory), floppy disks, rigid disks, etc.), optically readable storage devices (such as CD ROMs (read-only compact disks, DVDs, and carrier frequencies (e.g., on the Internet) Functional program, code, and code segments required to implement the present invention can be made by an experienced programmer from the present description of the invention.

Figure 1 illustrates an exemplary implementation of a system for setting up a limited-use credit card system according to the present invention. The system 100 includes a central processing station 102 which may be operated by the credit card provider according to the exemplary embodiment. In general, this central processing station 102 receives and processes credit card transactions generated from remote points. The credit card transaction may be initiated by a trader in a conventional manner, i.e. by having a credit card drawn through a credit card reader 106. Alternatively, the credit card transaction request may be initiated from any remote electronic device 104 (e.g., a personal computer). These remote devices may be connected to central processing station 102 via any network type, including any type of private or subscription network, or any combination thereof. For example, personal computer 104 is connected to central processing station 102 via Internet 112. In fact, there may be one or more computer devices (not shown) that receive credit card transactions from the remote station 104 and then forward them to the central processing unit 102. The central processing unit 102 may also be connected to other types of remote devices, such as a wireless (e.g., cellular) device 140, via radio communication using a transmitter / receiver antenna 138.

The central processing station 102 may itself comprise a central processing unit 120 connected to the remote units via a network I / O unit 118. The central processing unit 120 has access to a database of credit card numbers 124, a subset 126 of which is designated for restricted use (referred to as "available domain"). THE

71.018 / ΒΤΊ 7 * October 16, 2000

• ·

In addition, central processing unit 18120 also has access to a central database 122, which is referred to as the "conditions" database. This database is a general-purpose database that contains information about the client's account, such as different terms for each customer's account. Furthermore, this database 122 may also include a mapping of a fixed key credit card identifier of a client and any of the limited restricted credit card associated with this major credit card, which uses a type of linked list mechanism for mapping. The databases 122 and 124 are shown separately to show the types of information that can be maintained by the central processing station 122; the information contained in these databases may be stored in a single common database in a manner that is understood by those skilled in the art of data processing. For example, each credit card identification number can be stored with a field that identifies the main credit card identification number and various conditions for its use.

The central processing unit 120 can perform the acceptance or rejection of the credit card transaction request by itself, as it normally examines the credit history and other information. Alternatively, this function may be delegated to a separate processing unit (not shown).

Finally, the central processing station also includes the ability to transmit limited-use credit card identification numbers to the client. In a first embodiment, a local card production device 128 may be used to generate a plurality of limited credit cards 132 and / or a major credit card 134 for forwarding to the client. In a second embodiment, the limited-use credit card identification numbers can be printed on a form 136 using a printer 130 which is then forwarded to the client by post. The form 136 may include material that covers the numbers until it is torn off, thus showing which numbers have been used, which are therefore no longer usable. The list of identification numbers can be included in the monthly or other periodic periodic statement of account that is sent to the client. A third implementation 71.018 / BT * 18 * 16.10.2000

- 19, these limited use identification numbers can be downloaded electronically to the user's personal computer 104, where they are stored in the local memory 142 of the personal computer 104 for future use. In this case, the credit card identification numbers can also be encrypted (described in detail below). Instead of 104 personal computers, the numbers can be downloaded to a smart card of the user via an appropriate interface. In a fourth embodiment, limited-use credit card identification numbers can be downloaded to a radio device 140 (e.g., a portable telephone) via wireless communication. In a fifth embodiment, an ATM 108 (automatic money dispenser) may be used to issue the limited use credit cards 110. It will be readily appreciated by those skilled in the art that additional devices may be used to transmit cards / identification numbers. These implementations can of course be used together.

The logic for actually allocating and deactivating restricted-use credit card identification numbers preferably includes a microprocessor that uses a stored program within the central processing unit 120. For this purpose, any general-purpose or custom-designed computer is suitable. In alternative embodiments, the logic for actually allocating and deactivating restricted-use credit card identification numbers may include discrete logic components or some combination of discrete logic components and computer-implemented control.

Figure 2 shows a high-level sketch of the functions performed by the central processing station 102 or a similar device. The process begins with step 202, which assigns one or more restricted usage numbers to the client. These numbers are ultimately selected from the list of available limited-use identification numbers 126, or from a subset of sub-sets that were previously formed from the numbers in list 126. In addition, although not shown in FIG. 2, a major credit card identification number is preferably allocated to the client prior to this time. The condition database 122 may include a mechanism for the limited use of limited use credit card numbers

71.018 / ΒΤΊ 9 * 16.10.2000

• · "·" to assign a credit card to an ID number. Since limited-use credit card identification numbers have been randomly selected from the limited-use credit card identification numbers in list 126, there can be no recognizable relationship that would allow anyone to determine the main credit card identification number from any of the restricted usage numbers.

The processing then proceeds to step 204, where it is determined whether a client requested or whether an event triggered a request to assign an additional limited-use credit card number or multiple restricted credit card identification numbers. If so, we provide you with additional limited-use credit cards or credit card identification numbers.

The processing then proceeds to step 206, where the central processing station determines whether a transaction has been used that uses a previously allocated limited-use credit card. This step is followed by the determination (in step 208) that it is not necessary to deactivate the restricted-use identification number. For example, if a credit card is a one-time credit card, it will be deactivated. If the credit card is a credit card with a fixed limit, the card will only be deactivated if the last transaction has exceeded a stored threshold limit. These threshold limits can be stored on the credit card itself or in the condition database 122. The actual step of deactivation is accomplished by generating a deactivation command represented by step 210 in Figure 2. Of course, there are further steps to processing a credit card transaction, such as checking whether the credit card has been deactivated before the transaction is completed, or whether the credit card has been otherwise invalidated in some other way. These additional steps are system specific and are not discussed here for the sake of the briefness of the trial.

If a credit card identification number is deactivated, this number can no longer be used illegally again. Therefore, the risk of obtaining these numbers in an unauthorized manner via the Internet (or other means of data transmission) actually ceases to exist. The present invention relates to a sub-station 71.018 / BT * 20 *.

In the case of the 21-dive implementation, these deactivated identification numbers can be reactivated, provided that they have been appropriately long since their first activation. Provided that there is a sufficiently large set of limited-use credit card identification numbers available to choose from, it is possible to wait for a long time before repeating any number. At this point, it would be highly unlikely that someone who had caught a credit card identification number years ago with a bad intent would be motivated to use it irregularly before being used by a legitimate owner.

Once you deactivate a limited-use credit card or multiple limited-use credit cards, you may activate an additional limited-use credit card or multiple restricted credit cards. As described in the next section, the actual activation of a credit card identification number may involve several intermediate processing steps. For example, credit card identification numbers from list 126 may first be assigned to a "allocated" set of numbers and then to a "allocated but not valid" set of numbers, and then to a "allocated and valid" set of numbers. Figure 2 shows a high-level outline of this method and includes this specific implementation and the more fundamental case when the credit card identification numbers are retrieved from a database and then activated immediately.

After anticipating how the invention can be accomplished, further details will be described below.

2.2 Assigning Credit Card Identification Numbers

The first thing a credit card issuer must do is to generate a list of additional credit card identification numbers, whether they are single-use or multi-use credit cards, and then assign additional credit card identification numbers to a primary credit card as an optional credit card. additional credit card number used instead of the main credit card ID. Such a list may be provided by any suitable software package, by way of example, as described in more detail below. Because the numbers assigned to a major credit card holder will not have any relationship

71.018 / BT * 21 * 16.10.2000

-22a with the main credit card number, the main credit card identification number cannot be derived from the additional credit card identification numbers.

In reality, the randomness of credit card identification numbers is assured by the fact that customers requiring identification numbers form a waiting line. In addition, it should not be possible, even if we are aware of additional credit card identification numbers held by a major credit card holder and used by it, to predict the subsequent identification numbers that will be distributed to that customer because the additional credit card is identification numbers in the true sense of the word are random. Even if the credit card issuer would sequentially distribute the numbers, there would be no way to predict what the credit card identification numbers to be given to that credit card holder would be, because the numbers are allocated by a queue and the randomness of this allocation is one that prevents any forecasting option.

As such, the credit card identification numbers generated by the central computer are by their nature random numbers. Preferably, however, these numbers are valid credit card identification numbers, with the restriction that they comply with industry-standard standards for numbers, in particular the numerical content of numbers in such a way that they can be handled easily and by any commercial / data acquisition systems and networks. (or only minor) modifications and can be directed to the appropriate processing centers for processing. A further constraint is the requirement that these numbers, during their validity period, should be different from all other conventional invoice numbers as well as all other single-use identification numbers. These constraints require practical requirements for a commercially usable system that will probably not be able to satisfy any procedure that produces random numbers independently of other things.

In order for these numbering requirements to be met, an issuing bank must decide whether the entire credit card identification number it uses

71 018/22 * BT * 16.10.2000.

Within range -23, which domain or ranges are allocated to the single-use system, which domains are referred to as "available domain" below. This may consist of still usable numbers that use existing head sequences (such as 4-6 digit sequence sequences that define the issuing institution and are used to direct the card to the appropriate transaction processor) or within re-created headlines. Unallocated numbers include the numbers of an existing credit card account for that issuer, as well as a sufficient number of free accounts for new account holders and exchange numbers for existing account holders. Other components of the credit card that are not printed on the card and all card-specific information that is transmitted on a transaction may vary from card to card to enhance the security and uniqueness of credit card transactions.

Although each limited-use credit card identification number is unique throughout its validity period, the credit card identification number and further details of the transaction will also retain the information needed to control the appropriate processor to ensure that the limited-use identification numbers can be properly processed. However, limited use identification numbers do not need to include either the major credit card identification number or any encrypted version of the account number. In fact, we increase the uniqueness and security if we do not include any unique identification details of the account holder in the limited-use credit card identification number.

Authorization and payment information that we verify before processing a credit card, such as the expiration date and the verification number, must also be valid. This information may vary by limited-use credit card identification number, but must be valid to ensure that the identification number passes through controls that may even be performed at the merchant terminal, i.e., the verification digit must be calculated correctly for each limited usage number, and the expiration date must be valid at the time of use.

71 018/23 * BT * 10.16.2000.

»· Μ ·

Within the limitations of a valid credit card format, the random allocation method used to generate a list of unique restricted usage numbers may include the allocation of numbers from a number range in which either the whole number or the account number portion changes. In addition, the allocation procedure may include combining all or part of the account number with all or part of additional information such as additional numbers not printed on the card, expiration date, and additional information identifying the card and the merchant terminal transmits to the card processing unit during a transaction.

Sequential random allocation from a list of valid credit / debit card codes that have been assigned only for use as limited usage numbers ensures that the criteria for restricted usage numbers are met, i.e. there will be no two numbers with the same restricted usage, no limited usage number will be identical to an existing account number, and no re-allocated traditional credit card identification number will match a previously assigned limited use identification number. In order to achieve true computational independence between account numbers and limited use credit cards, as well as limited usage numbers for the same account number, the random allocation procedure requires a truly random core value. Such a real random distribution can be obtained from a physically random system having well-defined properties, such as a white noise generator. The actual random distribution can be provided by an analog-to-digital converter that receives an analog signal from such an actual random physical system.

Other solutions may have the same results with lower computing efficiency. For example, the allocation process may randomly select valid credit card identification numbers from the entire range reserved for a particular credit card issuer, and may omit the number if it is already in use as a restricted or conventional credit card identification number, or if the same number has already been allocated within a given time period.

71 018/24 * BT * 16.10.2000.

-25 • 1 »»

The above procedure produces a series of disposable numbers, which are now available. In order to repeat, the allocation process can be implemented by a real random (or less ideally a pseudo random) mapping method, in which a single-use number is randomly selected and assigned to a selected account holder (even to an existing credit / debit card holder, either a single-use account holder or a bank account number). Additional disposable numbers may be assigned for individual purchases. Prior to the next selection, each of these one-time numbers that have already been allocated will be removed from the list of available numbers to provide a unique allocation of each single-use number. An alternative method of direct allocation to a particular account holder may be to allocate lists of disposable numbers to individual storage locations. A list from a particular storage location can be assigned directly to a specific account number at a later time. This allows for the rapid allocation of credit cards to new owners without the delay that would be required for the implementation of a new allocation procedure for each new owner.

This allocation method generates a sequence of additional disposable numbers, i.e. a "allocated domain", along with an additional identification field that determines how the account is consolidated after use, i.e. the transaction to which it is charged to. The allocation procedure may take place at a much earlier time before the application for a single-use number is applied. After the allocation, they are not added to valid account numbers until the user actually needs it.

Figure 3 is a flowchart illustrating an exemplary method for allocating credit card identification numbers. A central processing unit (CPU) generates a database of credit card identification numbers (step 302) and selects a major credit card identification number (step 304). In step 306, the central processing unit (CPU) checks that the main credit loss is 71.018 / BT * 25 * 16.10.2000.

-26 • * · ·· ß »», ». · *. <· Tya ID number does not match another credit card ID. The central processing unit selects additional credit card identification numbers assigned to the main credit card identification number (step 308). The central processing unit may choose any of the techniques for selecting additional identification numbers described above. In step 310, the central processing unit checks that the additional identification numbers do not match any other credit card identification numbers. For example, additional identification numbers may be used for single-use credit cards.

When a user needs one-time credit cards, the central processing unit can issue additional credit card identification numbers to the user. Unless the one-time identification numbers are added directly to the user's hand (for example, using an ATM), these credit card identification numbers are not added directly to the list of valid account numbers stored in the central computer system. These numbers are added to a list of "assigned but not valid" numbers (step 312). The number of single-use identification numbers issued at a given time depends on the speed with which the user uses these credit cards and on the ability of the device used to store the single-use numbers until the time the numbers are used. The central processing unit can ensure that users have a sufficient number of single-use identification numbers to meet their one-time shopping requirements for a full, say, 2 years. Each single-use number may be provided with specific restrictions on the type or value of the transaction, provided that these properties do not exceed the limits on the user's account (such as the limit on available credit).

Once a series of disposable numbers has been issued, the user has the option to confirm the receipt of the numbers over the telephone before any of the assigned numbers are validated by the central processing system (step 314). Once the bet has been confirmed (or assumed), we will not add all the allotted single-use identification numbers

71 018/26 * BT * 16.10.2000.

-ΊΊ> ··· to the list of "allocated and valid" numbers (step 316). To prevent too many single-use identification numbers being stored in the processing unit, we limit the number of single-use identification numbers declared valid at any time to prevent loss of numbers (i.e., prevent the allocation of numbers that the user has accessed but never used) to complete a transaction), and to allow a time delay between the various transactions that lead to the order of the one-time user ID numbers accessed by the user differs from the order in which they arrive at the processing center. The maximum number of single-use numbers valid at any given time may be determined by the credit card issuer and is preferably within the range of 5-10. In the case of any attempt to use a number outside of the assigned domain, the subsequent one-off number may be used as an additional identifier to validate the transaction. In this case, only a subset of the digits should be made available to the user to prevent a fraudulent merchant from accessing multiple single-use identification numbers. Once the usability of a single-use identification number has been invalidated after use (step 318) (step 320), an additional number is assigned to that user from the "allocated but not valid" list to the "allocated and valid" list, ensuring the continuous availability of single-use identification numbers, up to the maximum time for issuing the next-use one-off numbers (step 322).

With regard to the actual production of additional credit card identification numbers, this will not cause any difficulties for the credit card issuer. For example, a standard credit card identification number has fifteen or more digits, the first of which is used to identify the credit card issuer, such as American Express®, VISA®, MasterCard®, etc. For major banks, three digits are used to identify the issuing bank. Within a typical six-digit key credit card identification number, the last digit is the checksum used to confirm that the number is valid

71 018/27 * BT * 10.16.2000,

-28 • ········ · · · · · · · · · · · · · · · · · · · · · · · · · · number They leave a total of eleven or more digits for the account identification number and expiration date. In some cases, the expiration date cannot be returned for authorization, while some credit card issuers, however, need additional credit card identification numbers or even additional information for authorization. For example, some credit card issuers print additional numbers on the credit card that do not emboss any additional numbers on the card and do not form part of the main credit card ID. These additional, printed and non-embossed credit card identification numbers may be used for the purpose of identifying that the cardholder is actually in possession of the card in the case of a non-card transaction when he orders the order, either in writing or over the phone. . Numerous devices, digits, details, etc. exists for use by a credit card issuer or processing equipment operating for the credit card issuer to allow the use of the credit card for the particular transaction. In another embodiment, when additional credit card identification numbers are issued in accordance with the present invention, such additional credit card identification numbers may include a code that identifies whether the person using the additional credit card identification number for a remote transaction is the same as the person for whom the numbers were sent, or for a one-time credit card, the same as the person to whom the disposable credit card was sent.

A popular feature of these additional credit card identification numbers is that the numbers are produced with a restriction to form a valid credit card identification number with a valid check digit, while at the same time being mathematically completely independent of one another or the main credit card. In some cases, the expiration date for single-use numbers is virtually irrelevant. For example, if the expiration date month code is used in combination with the eleven digits, there are 12 x 10, or 1.2 x 10, or 1,200 billion possible unique codes available to any credit card issuer. This would allow 50 transactions a month for 200 million account holders for 10 years before any code should be repeated or a new longer head code

71 018 / BT * 282000.10.16.

-29 • · · · · · · ····· · · · · · · · · · · · · · · · · to lead. Adding to this that an additional 104 head number is available for a credit card issuer, we understand that the arrangement and structure of the existing master credit card numbers is sufficient for the operation of the present invention, with the further advantage that the existing infrastructure for managing credit cards may be used with minimal modifications. The credit card issuer needs to store the numbers produced with the main credit card identification number.

For example, if the card is a VISA® card, there are about 21,000 issuing banks. The sixteen-digit number is followed by a "4" followed by a five-digit code to identify the credit card issuer. The last digit is a check digit needed to prove the authenticity of the number. As a result, 21,000 x 10 9 x 12 (252 trillion) unique numbers and associated expiration month values are available. These code numbers are sufficient for transaction processing of 36,000 years, with a current transaction frequency of approximately 7 billion per year.

Although existing credit card identification number formats provide a sufficiently large number of available credit card identification numbers, the numbers will eventually have to be reused during issuance. As the range of available numbers decreases with the passage of time, additional or repeated numbers must be returned to this domain to ensure that the billing division procedure is operated over a sufficiently large range to maintain random number allocation. The length of time before the repetition of numbers depends on the total number of unique credit card identification numbers available to a particular credit card issuer, as well as the number of transactions that use limited usage numbers. Such repetition may occur only if such a number is canceled for further use and will no longer be used for the purpose of allocating money. After being re-used, the automatic fraud detection mechanisms that would be activated when attempting to reuse a previously deactivated card should be changed in such a way that the reused number is removed from the list of previously used restricted usage numbers.

71 018/29 * BT * 16.10.2000.

-30 • ·· ··· · ··

2.3 Restrictions on the use of credit card identification numbers

Restrictions on the use of limited-use credit card identifiers and those introduced after their use, triggered by the use itself, ie transaction value limits, transaction limit, etc., are central to the additional flexibility and security of such credit cards, the traditional credit / load cards. These limitations can be applied and controlled in many different ways. For example, restrictions may be stored in a database maintained by the credit card issuer, and may be used to verify that the transaction is within these restrictions when performing the authorization process.

Figure 4 is a flowchart illustrating an exemplary method of limiting the use of a credit card identification number. A central processing unit (CPU) can assign a credit card identification number (step 402) to a master credit card identification number and assign a condition to the credit card identification number (step 406). The central processing unit can then store this condition in a condition database (step 406). These restrictions can then be assigned by the credit card issuer to the credit card identification number in a predetermined manner or as requested by the credit card owner. These limitations are encoded with limited use identification numbers when numbers are allocated to a user, in such a way that the user can determine the limitations associated with a particular card. Once a number is assigned once, these restrictions can be changed by updating the issuer's database and the list of user-maintained numbers. Communication between the user and the card issuer may be transmitted verbally or electronically (step 408) to perform these changes. When a card is allocated for a transaction (step 410), the details of the transaction are compared with the restrictions by the processing software, and the transaction is only allowed if the transaction falls within these limits (step 412).

Alternatively, the restrictions may be encoded as part of the format of the number transmitted during the transaction. Subsequently, the restrictions on the credit71.018 / BT * 30 * 16.10.2000.

-31 • · · · · The card processing unit would decode the details of the transferred transaction. This would provide the user with additional control capability, but would result in less security as the knowledge of the encoding format could be used to irregularly change the selected constraints by altering the appropriate portion of the restricted usage format.

With the development of online trading, there will be a growing demand for a wide range of financial transactions. Restrictions on limited use credit card identification numbers can be used for a wide range of payment options. For example, a credit card identification number may be limited to a single transaction with a predetermined transaction limit. Alternatively, we may assign a credit card identification number, for example, to implement a payout plan, for example, where the credit card number is valid only for twelve payouts, with a predetermined transaction limit of twelve months for a particular merchant. This plan provides security against fraud as it is limited to a single trader and is only valid for one year. Alternatively, a credit card identification number may be used to implement a credit plan, wherein the credit card identification number is limited to a selected merchant. When limiting a limited-use number to a specific merchant, the merchant can be selected by the user or set by the first user. Or, finally, a credit card identification number can be used as a gift voucher where the credit card identification number is limited to a predetermined transaction value, but can be used by any merchant.

2.4 Allocation of Credit Card Identification Numbers

The next thing to consider is how to transfer these additional credit card identification numbers and / or additional credit cards to a credit card holder. One way of providing such additional credit card identification numbers and / or additional credit cards is to somehow physically transfer them to the owner of the major credit card, either by personal enrollment, by mail order, by mail delivery, or by some other means generally provided by post. we can be called. Obviously, the

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-32 ····· · · ···· • · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · financial institutions that wish to pass on the additional credit card identification numbers or additional credit cards as efficiently as possible to the user, with the minimum risk that the additional credit card ID numbers and / or additional credit cards will be in the hands of a third party. Although theft of a credit card can never be completely excluded from the owner, which is important, it is important to ensure that these disposable credit cards and / or credit card identification numbers are passed on to the user with the least possible access to a third party, either for identification numbers or for disposable. credit cards, from the moment they are made, until they are physically received by the owner.

It will be appreciated that various procedures are available for the way a credit card issuer can issue additional credit cards and / or credit card identification numbers to the user. One of the easiest ways to do this is to send them at the user's request. A further method for the credit card issuer may be to provide a sufficient number of additional credit card identification numbers and / or additional credit cards after the payment has been made to an account, or together with an account statement, to replace those used since the last account statement. Specifically, if such extracts do not include the main credit card identification number or code number, it is possible to include additional checks to activate additional credit card identification numbers or credit cards. In such cases, a form of receipt may be used. In this way, actual thefts can be reduced.

FIG. 5 is a flowchart illustrating an exemplary method of providing credit card identification numbers to a user. A credit card issuer assigns a major credit card identification number to a major credit card holder (step 502). The credit card issuer then assigns limited use identification numbers to the main credit card identification number (step 504). For prepaid cards, the credit card issuer may decide to print one card per card or multiple numbers per card (or include it in something else, such as embossing, on the card) (step 506). Your credit card will be charged out of 1818 / BT * 32 * 16.10.2000.

-33 can transmit multiple numbers using a single credit card (step 508) or multiple numbers using multiple credit cards (step 512).

In either case, it is important that the user can track which numbers he has used up. If there is only one number on the cards, an opaque removable layer can be used to cover one or more parts of the card (step 510). For example, the opaque removable layer may cover the card portion so that the cover layer is removed before using the card. The cover layer removal activity indicates that we have accessed or used the card number.

Alternatively, an opaque, removable layer can cover a message, such as "used". The opaque, removable layer may also be a scratch-off layer which must be scraped off the card prior to use of the card. The scratch-off layer may be similar to what is often used for "scraping tickets" to cover lottery numbers or similar things. Alternatively, disposable credit cards may be placed in a self-sealing container (envelope) similar to, for example, razor blade dispenser boxes (step 516). The owner can remove a single-use credit card from one of the chambers, and then put the card back into a second chamber.

If there are multiple numbers on credit cards, the owner can track the numbers by using a device that covers one or more parts of the card (step 510). This tool can block numbers until the time of use. As described above, the device may comprise a plurality of opaque layers which must be removed before the individual numbers are used. Or alternatively, each card is displayed when the card is issued, and each number has a panel in which an opaque cover layer obscures a message indicating that the number has already been used. After each use, the appropriate cover layer is removed or scraped to indicate that the number has been used.

In the above cases, the solutions included in the cards work by reminding the user which numbers he has used. Numbers worth 71.018 / BT * 33 * 16.10.2000

-34 • »·» · ·· ·· · · · · · · ···· · ··· * · · ····· «. • »» »· ♦» · · · · · Critical testing of the capability is performed by the processing software responsible for authorizing the credit card transaction.

Additional credit card identification numbers and / or credit cards can also be sent with a payment order (step 518). The additional credit card identification numbers are not activated until payment is made (step 520). The credit card issuer may also require that the principal credit card identification number or other identifier be attached to the payment. Or, for example, they may use an additional security step that includes direct contact with the issuer card company or a password issued independently of the credit card to enable the activation of an electronic device.

Another way of providing additional credit card identification numbers and / or additional credit cards to the user may be to make them available to the user by means of an ATM (step 522). ATM (ATM) machines can provide additional credit card identification numbers with very little modifications. Similarly, ATM machines can also provide additional credit cards with very little modification.

Credit cards / single-use credit card identification numbers may also be transmitted directly to an electronic device suitable for storing such numbers. This applies to mobile phones or calling devices for which information can be transmitted using existing systems and computers that can be connected directly to a central computer either directly or via the Internet. In such a situation, there is a need for a mechanism to protect these numbers against unauthorized access during transmission. For global applications, this mechanism should not be subject to export restrictions. In addition, such protection should not be cracked by some kind of "brutal" decoding technique. Below is a description of such a system for storing single-use credit cards.

Another alternative way of forwarding additional credit card identification numbers may be via computer programs. Obviously, the credit card issuer must have sufficient security to be able to

71.01 / / 8T * 34 * 16.10.2000

• · · ·

-35 • · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · · a computer program through the telecommunication network or by mail unauthorized access.

2.5 Electronic use of credit card identification numbers

In situations where the user accesses and uses limited-use credit card identification numbers on an electronic device such as any form of computer (which may be a desktop computer, Internet access device connected to a television or cable, laptop computer, palmtop computer, personal organizer, etc.) , on any device that can perform the same functions as a computer or dedicated Internet device, a dedicated microprocessor device with a keyboard and screen, or any phone equipped with a microprocessor controlled electronics mounted on the device software can perform some or all of the following features:

1) Password-controlled access to the software or other security activation system that verifies that the user has a valid right to access.

2) Secure storage of limited use credit / debit card identification numbers until the user wants to use them. These numbers can be stored in many different encoded formats. A further security step is to encode the number into the form of a valid credit card identification number as described above.

3) Secure storage of transaction details and date of use for reconciliation with records held by the credit / debit card company in case of disagreement. This may include the electronic signature of each transaction record.

4) The option available to the user to view past limited credit card identification numbers and transactions used in the past.

5) Notifying the user of available limited credit card identification numbers.

71.018 / 35 * BT * 10.16.2000.

-36 • · · · · · · · · · · · · · · · · · ··· ► ·· ·

6) Perform a request automatically initiated by the software to the credit card issuer or both parties accepted by both parties to issue additional credit cards, as requested by the user, or if the number of available limited use credit cards is less than a predetermined threshold value.

7) Secure communication between the software package and the card issuing organization, or between the agents accepted by both parties, for the purpose of downloading additional restricted credit card identification numbers. This secure communication can use any form of encryption that is suitable for this purpose.

8) Secure communication between the software package and the card issuer organization or between the agents accepted by both parties for the purpose of transmitting information on credit card transactions, account balances and other information requested by the user or the card issuer. This secure communication can use any form of encryption that is suitable for this purpose.

9) Automatic or manual devices for forwarding credit card information to the merchant. In cases where the software is running on a device connected to the Internet or similar electronic network, the software may integrate with the Internet and allow the transaction details to be automatically transferred if the merchant's software allows this. To ensure compatibility with any form of merchant software, the user has the ability to drag and paste the limited-use numbers displayed by the software onto a portion of the web page on the screen, or manually enter the number. In cases where a device is intended to be used over the telephone, the number must be available to the user or be able to generate appropriate tone tones for automatic transmission of the number to the merchant.

10) Use digital signature confirmation to verify both credit card transaction participants (ie the merchant and cardholder).

71.018 / BT * 36 * 2000 10.16.

• «« ·

-3711) Use digital signature confirmation to control both participants (i.e. the merchant and cardholder) involved in communications involving the transfer of financial information or additional restricted credit card identification numbers.

(12) Use of stored lists of limited use identification numbers used by the user and the card issuer as dynamic passwords for both participants of the communication (including the trader and the counterparty) involved in the transmission of financial information or further restricted credit card identification numbers. card holder).

In the case of "non-card" transactions, we recommend that the user use an electronic device for storing disposable numbers issued to him. This may include a series of tools, including a mobile phone, a personal caller, a dedicated disposable storage device, or a software package that can run on a variety of platforms, including conventional desktop computers, TV-based Internet access devices (e.g. WebTV) or a portable computer device.

The software used on these devices to store and access these numbers will have specific properties that are the same on all platforms / devices.

For security reasons, access to the software will be password protected or protected by some other security system that allows the user to be identified. Some people may have limited access to multiple password protected access, such as limiting family members' access to single-use numbers, certain predefined limits to the application, or maximum transaction value.

Preferably, the disposable numbers are stored in a secure form that includes one or more encryption systems. It is recommended to use a dual system using a standard protocol (such as DES or RSA encryption) and a specific system developed for credit cards as described above.

71 018/37 * BT * 2000.10,16.

-38 • * e · · · »» · · · · ** · ♦ · *

"Brutal Power" encryption-decryption involves the use of multiple fast computers and specific algorithms to test a large number of possible "key" encryption keys. Success can be judged by the fact that the result appears in some form of expectation, just as, for example, normal English text appears in an encrypted document. If the encrypted version has the same shape as the non-encrypted version (although carrying different information), then the brutal decryption cannot be applied. This is not a computational option for texts, but it is possible for credit cards.

The method is to decompose each component of a credit card identification number and then encrypt it with a private password to maintain the numerical composition of each component. The end result must be securely encrypted, but the result may not be the same as another existing credit card account number. This can be achieved by limiting the encryption process by converting the credit card header sequence used to identify the issuing bank (usually 4 to 6 digits) so as to result in a currently unused sequence. Since this information will be a constant value for all cards for the same issuing organization, this information should be "randomized" (randomized) (rather than encrypted to prevent the recognition of a valid resolution solution). Once the rest of the number has been deciphered by the program, the corresponding header sequence can be added. The remaining digits are then encrypted, with the exception of the verification digit (which is the last digit), using a private key encryption system that leaves the number of digits at the same value and produces a result consisting of 0-9 digits. The expiration date and any additional identification numbers are also encrypted in a manner that takes into account the existing structure, i.e. encrypting the month to between 1 and 12, and encrypting the year to produce one digit for the next three years, providing that the expiration date will be valid. After these steps, the digits used to calculate the checksum are generated at a normal card so as to result in a valid checksum for the encrypted card. The end is 71.018 / BT * 38 * 16.10.2000.

• * * *

· A credit card identification number that is valid and has a valid checking amount and which can be guaranteed that no existing credit / debit card account holder belongs.

For example, a card with a 6-digit header and a valid checksum, say Ί234 5678 9012 3452 expiration date 12/99 ', is randomly assigned to a currently unused head sequence, such as 090234 (this is just an example that is not necessarily represents an unused head sequence). Part 789012345 is encoded into an additional 9-digit number, say, 209476391. 12/99 is encrypted to a valid date format value that ensures that the card does not appear to be expired, for example, 3/00. The check digit is recalculated so as to result in a valid credit card identification number, which will be 4 for the present example, i.e. the total identification number 2902 3420 9476 3914 will be 3/00 '.

In order to use this number for use or to decipher it after transfer from the bank, the appropriate header sequence for identifying the issuer is replaced by the numbers in the encrypted number. The additional digits are decrypted using the private password and then recalculated to the check digit.

Assuming that the head sequence is not used and the private password remains private, the above number is encrypted in such a way that the "brutal power" decryption method cannot be used to determine the original number because it is not possible to determine when we understand to a fair resolution. Combined with standard encryption systems, this allows credit cards to be safely stored and carried out with confidence through an unsafe system.

If the correct password has been entered into the software, it will decode the next one-time-use number and even display it, allowing the user to use any form of shopping activity that he / she can do with the credit card information or directly forward it to the software to the merchant. After you have spent 18.018 / BT * 39 * 16.10.2000.

»» ««

-40 »« r · * «· ·» »» » They are <· # «» ρ «« · «· · · · · *, the single-use number will be removed from the stored list. The access date, the number reached, and any additional transaction information are stored in a secure manner and digitally signed to allow verification for a potential disputed transaction. Access to a single-use number requires a password to prevent unauthorized access if the user leaves your software / computer unattended while it is active.

Figure 6 is a flowchart illustrating an exemplary method for using electronic credit card numbers. The software can be launched either by itself or by means of an icon that is integrated into an Internet search engine (step 602). The software can provide a simple interface through a graphical representation that uses the familiar image of credit cards and / or ATMs. The software can be programmed either directly with Java code or with Java code embedded in the C ++ programming language or any other programming language.

After launching the software, the user enters a password to access the main screen, which includes a keyboard to enable a PIN (Personal Identification Code) to be typed either via the keyboard or by clicking on the mouse (step 604) . This latter method provides protection against attempts to record the password by registering keystrokes. Errors that occur in succession when entering the password will permanently block the program and overwrite the numbers that have not been completed. Once the correct PIN code is entered, the user can select a new limited-use identification number, with or without additional restrictions (e.g., maximum transaction value) (step 606). At this point, a new limited-use identification number will appear on the graphical interface. The software can provide secure access to the encrypted credit card identification numbers stored on the hard disk of the computer (step 608). These numbers can be used either via the Internet or for direct telephone or mail ordering (step 610). The numbers should therefore be suitable for directly inserting them on a Web page (page 612, 71.018 / BT * 40 * 16.10.2000).

-41 & ·· 4 pés), or to print / copy them from the screen if they are used in other ways (step 614). Limited Use Identification Numbers can be copied, printed, pasted, or dragged using a clipboard (or equivalent device) and pasted into a Web page. The user can set the length of time the number is displayed and how the program ends. The user can also record a note record that provides additional information on how a particular credit card number was used. In the case of automated transactions, the software should ideally be able to receive the signals initialized by the merchant software and to respond by enabling the functions integrated into the browser program.

If we have access to a number, it can be deleted from the coded list (step 616). The date, the identification number, the Web URL for the current URL, and any user comments are then recorded with a different encryption format than the encryption of the numbers to facilitate auditing / review (step 618a). The user can read this information but not edit it.

There is a need for an option to download additional identification numbers from additional flexible disks or via the Internet using a high security protocol (step 620). This latter function can be performed by a separate program.

The program must have maximum transparent security features, that is, a feature that does not affect the normal user, but also protects the program against reinstallation or copying it to a second computer. This means that encrypted limited-use identification numbers must either be stored within the executable program itself or stored in a file that also stores an encrypted copy of machine-specific information (step 622). This is necessary to ensure that the numbers can only be accessed on the computer on which the software was first installed. Data files must also be stored as hidden system files.

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«·». ·

-42 • «« · s »» · · «« w · »* · · · '> * * *

Some users may want to have the equivalent of an electronic wallet that can be downloaded (de-uninstalled) from one computer and installed on another, just like, for example, moving an electronic "wallet" from the office machine to our home computer. This transmission method ensures that only one version of the program is fired at any point in time, and there is no problem with consolidating the lists of numbers used. In this case, appropriate security mechanisms can be installed to identify the legitimate user.

Encryption of limited use identification numbers) should include two levels. On the first level, the credit card identification numbers are encrypted using an algorithm that only changes the free digits within the credit card. The head sequence (i.e., the aperture number) leaves this step unchanged, or it converts an unused compartment into a number, and recalculates the check digit. This prevents any "brutal decryption", as there is no way to determine when the correct algorithm was chosen, as all numbers begin and end as a real-looking credit card identification number. After this step, each number is encrypted using a standard encryption method (e.g., RSA or DES). After encryption, we recalculate the checksum to the final number within the program, and insert the corresponding compartment number.

The software can be transported, encrypted, or downloaded from a Web page on a single standard 1.44 MB flexible disk (or any other media-readable or usable media device). Restricted Identity Numbers can be transferred to the user, either by the program or independently. The installation requires an independently delivered password. The installation procedure allows you to install a limited number of programs after which critical data is overwritten. You can easily change the number of possible installations within the software plan. Once installed on the main computer, the program stores information about the configuration of the computer in encrypted form to protect the program from being transferred to another computer.

71018 / BT * 42 * 10.16.2000.

-43 »to install. During the first installation, the user can choose his / her own passwords. We will use these passwords to influence both the protection of access to the program and the design of the details used at the first level of encryption of restricted use identification numbers.

When using numbers, the graphical indication indicating the number of remaining limited use identification numbers will warn you in time when additional numbers are required. The software also provides logging for previously used numbers, dates, browser related URLs, and comments; summarizes the expenditure charged to the account; provides assistance with adding numbers either from a magnetic disk or downloading from the Internet; provides the ability to configure additional passwords / users for shared cards; and / or provide a direct link to the credit card issuer's web page.

2.6 Processing the Card Transaction

We believe that additional credit card identification numbers and / or additional credit cards will be processed by merchants in the same way as existing credit card identification numbers and / or credit cards, whereby the merchant validates the credit card identification number from the credit card company or authorized third party get it. In a very similar way, as is currently the case, the additional credit card identification number would be compared to the user's account, and then the bill would be debited accordingly. After verifying ancillary credit card transaction, the financial settlement to the merchant would be normal. It is a particular advantage for merchants that once they are not in possession of the main credit card identification number, or in fact in many cases the main credit card, they do not have any security responsibility with the main credit card holder. We imagine that in places where additional credit cards are used, it is not advisable to draw a credit card from the credit card after making this deduction electronically. Likewise, those who process credit cards will do so as described here.

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-44 ····· · · ···· · · «·« · · · · · ►

Processing systems for managing credit cards with limited use perform a number of functions, including:

1) Verify that a limited-use credit card identification number is valid.

2) Verify that the transaction is within the limits of the restrictions applied to that credit card identification number.

3) In the case where the limited use identification number is linked to another account, verify that the transaction is within the boundaries of the associated account.

4) If the transaction is within the limits of the given identification number and the associated account, an authorization is granted to the trader.

5) Allow later transactions to be charged to a limited-use identification number which has been canceled for further authorization, but only if the transaction was generated by the same merchant who received the authorization for the same transaction.

6) Refusal of authorization in the event that the credit card identification number is invalid or is outside the limits of the restrictions applicable to that number or to an account associated with it.

7) Activation of counterfeit detection mechanisms if the number is invalid or if an invalidated restricted use identification number has been used again.

8) Invalidation of a limited use identification number against further authorization / insertion, if there has been a usage restriction for a particular transaction or if the restriction would have been exceeded by the transaction.

9) To maintain a list of invalidated numbers for a specified period of time for possible refunds if the goods are returned or the goods are defective.

10) Logging and assigning limited use identification numbers and transaction details to the associated account.

71018 / BT * 44 * 16.10.2000.

-45 • · · · ·

11) Forwarding records of limited use and other credit card transactions to the user by post or electronic mail (e-mail).

12) Initiate payment for the merchant for accepted transactions.

13) Initiate a refund to the account holder for a refund.

14) Billing to the account holder with the costs incurred or the arrangement of the payment through another account.

Many of the limited-use credit card procedures represent functions that are already performed by clearing systems. These existing features include: adding new credit / debit card identification numbers to the processing database; to enable the activation of these cards, following a confirmation message from the user to the issuer; creating a credit limit for a credit card identification number; and invalidating a credit card identification number from further use and marking any further use as counterfeiting. This overlap is part of the commercial advantages of the limited use invention, minimizing the required changes.

Once a limited-use identification number enters the clearing system, it can be handled in the normal way, that is, it must be ensured that the number is not reported as stolen and that the number represents a valid account number in the database. If the transaction is within the credit limits and transaction limits applied to the user or within the usage limits applied to the limited use identification number, then the transaction is authorized.

Certain specific modifications to the processing software must be implemented to implement the properties of single-use credit cards. For example, valid limited use identification numbers are stored in a database of valid account numbers, along with other information for limited use identification numbers. These include sufficient information to identify the user for whom the identification number has been issued and the card 71.018 / BT * 45 * 16.10.2000.

Any further restrictions on the value of the transaction and the category of merchants for whom the credit card can be used.

Once authorized, the Limited Use Identification Number is invalidated so as to ensure that additional authorization (authorization / load cannot be made for this ID number) to allow authorization (authorization) for a significant period of time before the payment is made, for example in the case of a credit / debit card number to be authorized at the time of ordering, and only to be charged when the product is delivered, the delayed settlement to the same trader should be possible.

Once we have access to a limited number of transactions for a limited-use credit card, the central card processing software will void the card. Due to the time lag between the authorization and the merchant's request for settlement, increased security can be achieved by linking the cancellation procedure with the authorization procedure. Linking cancellation with settlement allows pre-authorization only with the increased risk of using the limited-use card, for example, more than the permitted one. Pre-authorization can be used in conjunction with invalidation (authorization) as described above. In case a transaction is not allowed before it has been accepted by a merchant, the invalidation process occurs when the transaction details are forwarded to the processing unit for settlement. If we do not receive authorization for a limited use identification number, the system will continue to operate at a higher risk for the issuer / trader, as well as for an unauthorized traditional card transaction.

Each time a credit limit or validity of a user's account changes, all currently used limited use identification numbers are identified and they also change the associated credit limits, the transaction limit allocated to them, or the lower of the existing credit limit. Ameny71.018 / 46 * BT * 200Q. 10:16.

If the user's account is closed or declared overdue, all single-use identification numbers will be handled in the same way.

Whenever a limited-use identification number is used, a sequentially available limited-use number assigned to the same user and assigned to the user is added to the database of valid account numbers.

If a transaction is charged to a limited-use number, details of the transaction and details of the user's account are stored together for audit reasons, and the transaction value is added to the user's account for billing purposes.

The transaction details storage software and print instructions can be changed to allow both the details of the user's traditional account and transaction details for the restricted usage number to be printed in the account statement.

The processing of limited use identification numbers can be integrated into existing systems in many different ways. Authorization (authorization) and settlement procedures can be completed in one cycle, or can be split into a separate authorization and settlement procedure, as is generally the case with existing credit card systems.

In a completely new stand-alone limited-use credit / debit card processing system, the above functions can be implemented without limitation on any suitable computer capable of incorporating the necessary database and communication functions. Such a system should be able to grant authorization for a transaction within the same time frame as a traditional credit / debit card transaction.

If the above functions are to be integrated into existing systems, you can choose between different solutions to minimize the necessary changes. It is possible to take steps to do so

71 018/47 * BT * 16.10.2000.

-48 is a process chain that takes place when a transaction is received from a merchant for a credit / debit card identification number.

Figure 7 illustrates a flowchart illustrating an exemplary process for processing a transaction. In step 702, a software receives transaction details from a dealer. The software system determines whether the number is a limited use identification number or a conventional card number (step 704). If the number is a conventional card number, the data will be sent to the processing system without modification and managed by the existing system without any modification (step 706). The trader accepts the authorization (authorization) from the system responsible for the validation of traditional card numbers. The settlement of the merchant's claim is likewise unchanged (step 708).

The system can check the limited use identification number and the appropriate restrictions (step 710). If the number is not valid for the selected transaction, the transaction will be rejected (step 712). Otherwise, a database query procedure determines the appropriate master credit card identification number and transmits this number (i.e., the major credit card identification number) to the processing system (step 714). This allows the existing anti-counterfeiting, authorizing (authorizing) and demographic software products to complete without modification (step 716). After the limited-use identification number has been replaced with the main credit card identification number, a series of additional steps are required (step 718). If the criteria for invalidating a restricted-use credit card identification number have been reached during this transaction, the limited-use number will be invalidated for all subsequent transactions except the refund. If you need to provide single-use numbers continuously, an additional limited usage number can be automatically allocated. Transaction details and the key credit card ID are then forwarded to a database for tracking transaction details and billing of the user.

71 018/48 * BT * 2000.10,16.

-49These functions are not required to be executed before the authorization (authorization) is sent, but can be completed after step 720.

With the above system, the software responsible for replacing a limited use identification number with the main credit card identification number can also process additional properties that are limited to limited use identification numbers. These features include transaction value limitations, dealer type restrictions, and geographic restrictions. If the transaction exceeds the restrictions on a limited-use credit card, the authorization will be denied and the main credit card identification number need not be forwarded for further processing. If the transaction remains within the constraints of a limited-use credit card, the transaction details will be forwarded to the traditional validation process along with the master account number. In this way, the restrictions on the main account (ie the available balance and the expiration date) are checked by the system for each limited-use transaction.

The software may also include special counterfeiting detection mechanisms. For example, for the first time when an invalidated restricted usage number is used, this transaction may be marked as potentially false and the appropriate steps will be taken. Repeated attempts by the same merchant or from the same merchant group to potentially invalidate invalidated numbers may potentially be counterfeit and may lead to activation of appropriate anti-counterfeiting management steps.

The above system requires the least amount of modifications to existing systems, but the processing time can be almost twice the processing time of a traditional transaction, due to the dual authorization (authorization) procedure, which once occurs during limited usage and translation steps, and once within the traditional system. beer. It may be advantageous to initially process the limited-use credit card as a major credit card by using a single list of restricted usage numbers and key credit card identification numbers.

71 018/49 * BT * 10.16.2000.

_ 5Ω - · · ·· · * ·

JV ······· »· · · · · · · · · · · · · · · · · · · ·

Figure 8 is a flowchart illustrating an exemplary process for processing a transaction. In step 802, a software system receives transaction details from a merchant. The software system has access to a database that contains additional information to identify the associated invoice or settlement details, as well as to identify specific restrictions on the use of restricted credit cards. As a result, limited-use credit card identification numbers can be assigned to existing accounts in the same way as they are currently used to link multiple traditional accounts to multiple credit cards issued for use by the same company or group of companies (step 804) . During an authorization procedure, the associated account number need not be identified, provided that each restricted usage account is always renewed whenever the associated account status (ie the available balance, validity of the invoice, etc.) changes. The system may refuse your authorization (in step 806), or you may specify authorization (in step 808) without identifying the associated account number.

For billing and billing purposes (step 812), it is necessary to identify the associated account numbers (step 810), but you do not need to do this in an authorization process. Existing software needs to be modified or added to a new program that performs the specific functions described above for limited-use credit card identification numbers (steps 814, 816, and 818). These steps do not need to be implemented before issuing the rating. These functions can be completed after issuing the rating.

The system also requires additional modifications to existing software systems, but provides the same fast authorization times as existing transactions, as it only involves an authorization step. Additional operations, such as the renewal of restrictions on credit cards with restricted use, may occur as a result of changes in the main account, in addition to the authorization procedure (ie off-line).

71018 / BT * 50 * 16.10.2000.

-51 The invention is not limited to the embodiments described herein, but its structure and details can be varied. For example, the invention has been described above mainly in the context of a system in which a user who accepts a one-time credit card already has a major account number at the credit card issuer. However, this is not necessary. For example, it may be possible for an ATM machine (bank machine) (or similar equipment) to be used by people who do not have a single credit card account for the purchase of disposable credit cards, where disposable credit cards are either for card presentations or for non-display purposes for remote transactions can be used. When the card was used, it would simply be returned to the bank's ATM, and after an appropriate time, the unpaid money could be returned to the buyer's account. Likewise, if the person buying the disposable credit card does not have any account with the credit card issuer, the credit card could still be purchased from the ATM machine, then the machine would be released to the buyer in cash or transferred to the same buyer after a reasonable period of time. another financial institution. Likewise, it is understandable that the use of ATMs is not essential after disposable credit cards or disposable credit cards can be purchased in the normal way, just as anyone purchases any other goods or services, ie directly, face to face with the merchant, or by mail.

Likewise, as suggested above, there may be single-use credit cards that can be purchased, nothing to prevent multiple-use credit cards with cumulative credit limits. In addition, these cards may be single-use or multiple-use credit card numbers instead of credit cards. However, it is possible that these numbers are given as disposable credit cards or disposable credit cards for operational efficiency. In this way, for those who do not want to manage a credit card or whose creditworthiness does not allow them to hold credit cards, it is now permissible to use

71 018/51 * BT * 10.16.2000.

Using a -52credit card. This can bring significant benefits to credit card issuers.

2.7 Further use of credit card identification numbers

In cases where the credit card holder and the credit card issuer communicate with each other and where the rating is required by one or both parties, the list of limited use credit card identification numbers registered by both parties may be used for identification purposes. As with a dynamic password, a single limited usage number, or a portion of a series of such numbers, or the entire number, can be used to identify any party without the need for any additional security system. Since this identification is not to be handled by traditional transactional systems, a whole or a portion of a limited use number can be used for this purpose.

FIG. 9 is a flowchart illustrating an exemplary process using a credit card identification number as a PIN (Personal Identification Number). In step 902, a card issuer generates a list of available credit card identification numbers. The card issuer selects a major credit card identification number (in step 904), and then passes the main credit card identification number to a master credit card number holder (step 906). The card issuer then assigns additional credit card identification numbers to the main credit card identification number (step 908) and passes the additional credit card identification numbers to the owner of the main credit card ID (step 910). When the owner of the main credit card ID number has access to the account information (step 912), the owner of the main credit card identification number can use one of the additional credit card identification numbers as a PIN (step 914).

As you can easily see, there are fundamental differences between the system of the present invention and any other system that uses a PIN (personal identification number) or some other number (whether a fixed number or a transaction-to-transaction number) is a transaction validation. Numerical details transmitted in a transaction in this system are an existing one

71018/37 * 52 * 16.10.2000.

-53 exist in the same format as the credit card ID number, but does not include a unique account code. This maximizes the security and confidentiality of a credit / debit card transaction. Within the processing system, the validity of the limited-use identification number is first checked, followed by the second account number by examining the information stored with the limited-use number. Forwarding an additional PIN or other number besides the account number or other unique identifier reduces the level of security and confidentiality. In the case of any system PIN identification (as described by Rahman), the account number associated with it is first identified and the PIN code is checked after this step. For this reason, many cardholders may have the same PIN code, and indeed, due to the shortness of the PIN codes, many users also have the same PIN, but each has a different account number. For our system, each limited use identification number must be unique at the moment of use, and consequently the associated account number can be uniquely identified.

Although the above description refers to illustrative embodiments, these examples are not to be construed as limiting. The system according to the invention can not only be modified to correspond to other card systems; but can also be modified for other computer systems or numbering schemes. Accordingly, the present invention is not limited to the embodiments described, but should be accepted as having the widest scope according to the claims described below.

71 018/53 * BT * 10.16.2000.

-54KÖZZÉTÉTEU : EXAMPLE · ! · ! ·

Claims (9)

PATIENT INDIVIDUAL POINTS
1/9
WO 99/49424
Fig. 1
SUBSIMJTE SHEET (RULE 26)
DISCLOSURE
COPIES
WO 99/49424
RCT / IE99 / BÖ0U **
200
1. A credit card system of the type comprising a device for maintaining a set of credit card identification numbers having the same format, and a means for assigning at least one credit card identification number set as a major credit card identification number, characterized in that the system has a device ( 120), by which at least one credit card identification number (126) of a set of credit card identification numbers (124) may be designated as a restricted-use credit card identification number (126) deactivated by a deactivation command (210) as a result of a subsequent use; includes a device for assigning the main credit card identification number to the limited use credit card identification number (126), while ensuring that the master credit card identification number is limited to cannot be discovered based on a credit card identification number (126).
2/9
Fig. 2
SUBSTTfUTE SHEET (RULE 26)
DISCLOSURE
EXAMPLE S
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SU8STITUTE SHEET (HULE 26)
DISCLOSURE
EXAMPLE I top Mo *
WO 99/49424; Ρ £ Τ / ΙΕ99Λ) 001 <6:
400
No
The credit card system of claim 1, further comprising:
a means (206) for receiving a notification that the limited-use credit card identification number has been used in a credit card transaction;
a device based on the notification to determine whether a limited use credit card event occurred and, if so, the device generates the deactivation command (210); and a means for deactivating the limited-use credit card (126) if the limited-use event occurred.
The credit card system (1) according to claim 1 or 2, characterized in that the limited-use event is fulfilled when the limited-use credit card (126) is used only once.
4/9
Fig. 4
Transaction authorized
SUBS1 iTUTE SHEET (RULE 26)
DISCLOSURE
EXAMPLE '0/0 2 ^ 02
WO 99/49424: ···:: PCTXIE99 / aO (ÍI ^ · '·
Credit card system (1) according to one of the preceding claims, characterized in that the limited-use event is satisfied when
71.018ZBT * 54 * 01.09.2001.
-55 Limited Use Credit Cards (126) have been used to accumulate loads that are larger than a predetermined value.
5/9
Fig. 5
SUBSTTTUTE SHEET (RULE 26) • · * · · · · β *
PXpr / IE # 9 / OO> £ «* /.
WO 99/49424
DISCLOSURE
COPIES
The credit card system (1) according to any one of the preceding claims, further comprising means for assigning a further limited use credit card identification number (126) in response to the deactivation command, and an additional limited-use credit card identification number. (126) assigns it to the main credit card identification number.
6/9
Fig. 6
SUBSTITUTE SHEET (RULE 26)
DISCLOSURE
EXAMPLE r '
WO 99/49424 to
The credit card system (1) according to any one of the preceding claims, characterized in that it further comprises a device for receiving a request from the user for an additional limited-use credit card identification number (126) and a device for an additional limited-use credit card identification number. in response to the request.
7/9
LiP £ Yiiit $? / NgQö>
Fig.7 β
SUBSTTTUTH SHEH (RULE 26)
DISCLOSURE
EXAMPLE 'oZK
WO 99/49424, supra. 8
SUBS fíTUTE SHEET {RULE 26)
DISCLOSURE
COPIES
WO 99/49424 υ>
The credit card system (1) according to claim 5 or 6, characterized in that the credit card system (1) maintains a waiting queue of available limited-use credit card identification numbers (126) and a further limited use A credit card identification number allocation tool selects additional restricted-use credit card identification numbers from this waiting queue.
The credit card system (1) according to any one of the preceding claims, further comprising a transmission device for downloading the limited-use credit card identification number (126) to a user, said device including a telecommunications system (112) associated computer, and characterized in that the limited-use credit card identification number is encrypted prior to download.
Credit card system (1) according to one of claims 1, 2, 3, 4, 5, 6 and 7, characterized in that it comprises a transfer device including a credit card identification number for limited use for the purpose of forwarding a credit card to the user, wherein the transfer device is an ATM (112).
71 018/55 * BT * 01.09.2001.
• · · · φ • · ·
-5 610. A credit card system (1) according to any preceding claim, wherein the means for allocating credit card identification numbers includes:
a database of credit card identification numbers of the same format (302); a means for selecting a key credit card identification number that can select from the credit card identification number database (302) at least one credit card identification number which is a major credit card identification number (304); a credit card identification number assignment means that can assign at least one additional credit card identification number (312) from the credit card identification number database (302) to the main credit card identification number.
Credit card system (1) according to any one of the preceding claims, characterized in that it has means for determining the limited use conditions of the limited-use credit card identification number, including:
a database of credit card identification numbers of the same format, a condition database (406), a master credit card identification number selection device capable of selecting at least one credit card identification number (402) from the credit card number database that will be used as the main credit card identification number; a credit card identification number assignment device that can assign at least one credit card identification number (402) from the credit card identification number database to the particular credit card identification number; and a condition designation means that can assign at least one condition (404) to the credit card identification number and store this condition in the conditions database (406) and the condition (404) limits the use of the credit card identification number (402).
12. The credit card system (1) according to claim 11, characterized in that the conditions database (406) includes transaction value conditions, transaction date conditions, trains for transactions 71 018 / BT * 56 * 2001.01.09 .
-57conditions, terms of transaction frequency, and terms of use.
Credit card system (1) according to any one of the preceding claims, comprising:
a credit card database (124) having a common format; a key credit card selection tool that can select at least one credit card identification number from the credit card database;
a credit card identification number selection tool that can assign at least one credit card identification number from the credit card identification number database to the main credit card identification number;
a major credit card identification number computer (102), wherein the main credit card identification number computer (102) and the credit card identification number device are associated with a computer network;
Credit card system (1) according to claim 13, characterized in that the credit card identification number assignment device is capable of transmitting the credit card identification numbers to the computer (102) of the main credit card identification number on a computer network.
The credit card system (1) of claim 14, comprising a credit card identification number processing unit (102), which can assign the master credit card identification number to the given credit card identification number so that a merchant computer can execute a transaction without ever knowing the main credit card identification number.
16. The credit card system (1) of claim 15, further comprising a list of valid credit card identification numbers and a condition for each credit card identification number, and wherein the system includes a device for validation of the credit card identification numbers. for removing a credit card identification number from a given list (210) after a condition triggered by a usage (206) has been satisfied.
71 018/57 * BT * 09.01.2001.
-5 817. Credit card system (1) according to any one of the preceding claims, characterized in that the system (1) has a means for accessing the account information; the system includes:
a credit card identification number database (902) having the same format;
a means for selecting a key credit card identification number capable of selecting at least one credit card identification number from the credit card numbers database (902) which will be a major credit card identification number (904); a credit card identification numbering device that can assign at least one credit card identification number (908) from the credit card database (902) to the main credit card identification number; and a clearing information delivery device, the clearing information delivery device utilizing the given credit card identification number as a personal identification number (912) for accessing clearing information for that particular credit card identification number (904).
18. A method for managing a set of credit card identification numbers, comprising the steps of:
maintaining a set (302) of credit card identification numbers having the same format;
assigning at least one credit card identification number from a set of credit card identification numbers as a master credit card identification number (304), assigning at least one credit card identification number from said set of credit card identification numbers as an additional credit card identification number (308) which is deactivated when a subsequent use is triggered ; and assigning the main credit card identification number (304) to said limited use credit card identification number (308), while ensuring that the master credit card identification number cannot be detected based on that limited use of credit card identification number.
71 018/58 * BT * 09.01.2001.
-59r ·,
19. A credit card system (1) that performs a credit card transaction based on either a major credit card identification number or a restricted credit card identification number, wherein said limited-use credit card identification number is for the major credit card identification number is selected at random, but at the same time, the limited credit card identification number has the same format as the main credit card identification number and is assigned to the main credit card identification number, where the system (1) includes:
a transaction device for entering a transaction (702) based on a given key credit card identification number or a limited credit card identification number (704) to generate a transaction message; processing means for receiving a given transaction message and processing a given transaction, including:
means for authorizing (706) or rejecting a particular transaction; means (718) for determining whether the limited-use credit card identification number should be deactivated when the particular restricted-use credit card identification number was used for the transaction, and for generating a deactivation command in response to that, determines whether a restricted-use credit card identification number should be deactivated, determines whether a limited-use event for a limited-use credit card identification number has occurred, and if so, generates that deactivation command when the limited use event occurred; and a deactivation command device for deactivating the limited-use credit card identification number.
20. The credit card system (1) of claim 19, wherein the limited-use event is satisfied when the limited-use credit card (704) has been used only once.
21. The credit card system (1) according to claim 19 or 20, characterized in that the limited-use event is satisfied when said particular limit is 018 / BT * 59 * 01.01.2001.
A -60-credit card (704) was used up to the amount that was greater than a predetermined amount of money.
22. A method for executing a credit card transaction, which is based on a major credit card identification number or a restricted credit card identification number, wherein said limited-use credit card identification number (704) is not associated with any major credit card identification number in a mathematical context; but the limited credit card identification number (704) has the same format as the main credit card identification number and is assigned to that major credit card identification number, where the system (1) includes:
initiating a transaction based on a given key credit card identification number or a limited credit card identification number (704) to generate a transaction message;
receiving a given transaction message and processing the given transaction, including:
authorizing (706) or rejecting (712) the transaction in question; to determine whether the restricted-use credit card identification number should be deactivated when the given limited-use credit card identification number is used to execute the transaction and to generate a deactivation command in response to that particular determination step (718) which decides whether the limited-use credit card identification number (704) should be deactivated on the grounds that a limited-use event associated with the use of the limited-use credit card identification number (704) has occurred and, if so, generates that deactivation when a specific restricted event occurs; and deactivating said limited use credit card identification number (704) based on the deactivate command.
The proxy
Dr. Tamás Bokor patent attorney at S.B.G. & K, International
Member of Patent Office H-1062 Budapest, Andrássy út 113 Phone: 34-24-950, Fax: 34-24-32 71 Q18 / BT ^ 0 ^ 001 01 09
PUBLICATION: PCT / TE94 / o $ oi6: ''? «! · * ·······.
EXAMPLE ''
9/9
Fig. 9 · *: · · .. · · ν · · .. ·
900
No
SUDS7TÍUTESHEET (RULE26)
HU0102408A 1998-03-25 1999-03-25 System and method for performing credit card transactions HU0102408A3 (en)

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US9961498P true 1998-09-09 1998-09-09
US09/235,836 US6636833B1 (en) 1998-03-25 1999-01-22 Credit card system and method
PCT/IE1999/000016 WO1999049424A1 (en) 1998-03-25 1999-03-25 Credit card system and method

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