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WO2004059586B1 - System and method for validating and operating an access card - Google Patents

System and method for validating and operating an access card

Info

Publication number
WO2004059586B1
WO2004059586B1 PCT/CA2003/001988 CA0301988W WO2004059586B1 WO 2004059586 B1 WO2004059586 B1 WO 2004059586B1 CA 0301988 W CA0301988 W CA 0301988W WO 2004059586 B1 WO2004059586 B1 WO 2004059586B1
Authority
WO
Grant status
Application
Patent type
Prior art keywords
account
user
system
card
authenticating
Prior art date
Application number
PCT/CA2003/001988
Other languages
French (fr)
Other versions
WO2004059586A1 (en )
Inventor
Greggory W D Allen
Bharat Jilka
Original Assignee
Micropin Technologies Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date

Links

Classifications

    • 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
    • G06Q20/08Payment architectures
    • G06Q20/10Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G06Q20/108Remote banking, e.g. home banking
    • 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
    • G06Q20/08Payment architectures
    • G06Q20/20Point-of-sale [POS] network systems
    • G06Q20/206Point-of-sale [POS] network systems comprising security or user identification provision, e.g. password entry
    • 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
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415Cards acting autonomously as pay-media
    • 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
    • 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
    • G07F7/10Mechanisms 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

Abstract

A system and method for authenticating a user for an account is provided. The system comprises a form factor enclosing a microprocessor, a first memory associated with the microprocessor, authentication information stored in the first memory for the account, a display device, a microcontroller in communication with the microprocessor, a second memory associated with the microcontroller, an input device providing a data entry interface for the user to the form factor and card reader interface selectively connecting the microprocessor to a remote card reader. In the system, the microcontroller is adapted to receive authentication data from the input device provided by the user, to evaluate the authentication data against the authentication information and to enable the card reader interface if the authentication data is validated against authentication information. The method provides the functions of the system as well as a method of providing information from a card to an account server through a third party server, in a secure manner to the third party server.

Claims

AMENDED CLAIMS received by the International Bureau on 23 July 2004 claims 1-20 replaced by claims 1-24.
1. A system for authenticating a user tor an account, said system comprising a form factor enclosing a microprocessor; a first memory associated with said microprocessor; authentication information stored in said first memory for said account; a display device; a microcontroller in communication with said microprocessor; a second memory associated with said microcontroller; an input device providing a data entry interface for said user to said form factor; a card reader interface selectively connecting said microprocessor to a remote card reader; unique microcontroller identification information relating to said microcontroller, wherein said microcontroller is adapted to receive authentication data from said input device provided by said user, to evaluate said suthenticatioa data against εaid authentication information; to allow enablement of said card reader interface if said authentication data is validated against authentication information; and said microprocessor is adapted to evaluate said unique microcontroller identification information against said icrocontroller; and to allow enablement of said eard reader interface if said imique microcontroller identification in onnatioa is validated against said microcontroller.
2. The system for authenticating a user for an account as claimed in claim 1 wherein said microcontroller identification information is stored in said first memory.
3. The system for authenticating a user for an account as claimed in claim 2 wherein said input device is a keypad.
4. The system for authenticating a user for an account as claimed in claim 2 wherein said system generates an account transaction request which may be communicated to an account server associated with a central administration system for said account through a third party server.
21301376,2
5. The system for authenticating a user for an account as claimed in claim 4 wherein said system encodes said account transaction request from said third party server.
6. The system for authenticating a user for an account as claimed in claim 5 wherein said system encodes said account transaction request in a message.
7. The system for authenticating a user for an account as claimed in claim 6 wherein said system is further adapted to receive and process a response message from said account server.
8. The system for authenticating a user for an account as claimed in claim 7 wherein said system is further adapted to extract and store transaction data from said response message and to display a report summarizing said transaction data when requested by said user.
9. The system for authenticating a user for an account as claimed in claim 8 wherein said transaction request proYtdes & transaction amount to said account server for verification against a transaction amount provided to said account eerver by said third parity server.
10. The system for authenticating a user for an account as claimed in claim 9 wherein said transaction request provides an account limit adjustment request to said account aerver.
11. The system for authenticating a user for sn account as claimed in claim 10 wherein said microcontroller is further adapted to enable uploading of said transaction data to a remote device through said card reader interface.
12. The system for authenticating a user for an account as claimed in claim 11 wherein said microcontroller is enabled to provide access to a plurality of accounts and account servers.
13. The system for authenticating a user for an account as claimed in claim 12 wherein one of said plurality of accounts selected from a set of accounts comprising a health card account and a credit card account.
14. The system for authenticating a user for an account as claimed in claim 7 wherein said microcontroller is enabled to provide limited access to said account when an involuntary access process is activated by said user.
15. The system for authenticating a user for an account as claimed in claim 7 wherein said message and said response message are compatible with a Secure Electronics Transactions Specification Protocol.
16. The system for authenticating a user for an account as claimed in claim 1 wherein user account information is associated with said account and is stored in a memory location selected from said first memory and said second memory.
17. The system for authenticating a user for an account as claimed in claim 16 wherein at least one account transaction request associated with said account is capable of being initiated by said user of said system prior to engaging said system with said remote'card reader.
IS. The system for authenticatmg a use for account as claimed in claim 13 wherein one of said plurality of accounts is accessed independently the other of said plurality of accounts.
19. A method for authenticating a user for at least one account, said user accessing said at lesøt one account /ia an acsouat card comprising a form fmtot mclo ttg a microprocessor controlling a transaction initiated by sai use related to said accowst, a card reader interface selectively connecting said microprocessor to a remote card reader and a microcontroller in communication with said microprocessor for controlling said card reader, said method comprising: receiving at said microcontroller authentication data provided by said user to said card; evaluating said authentication data against authentication information; enabling said card reader interface if (i) said authentication data is validated against said authentication information; and (ii) said microcontroller is validated for use with said microprocessor.
20. The method for authenticating a user for at least one account as claimed in claim 19 wherein said card further has unique microcontroller identification information relating to said microcontroller; and said method further comprises utilizing said unique
21301376.2 microcontroller identification information and said microprocessor identification information to determine whether said microcontroller is validated for use with said microprocessor.
21. The method for authenticating a user for at least one account as claimed in claim 20 wherein said method further comprises at said card, generating an account transaction request which may be communicated to an account server associated with a central administration system for said account through a third party server; encoding said account transaction request from decryption from said third party server; encoding said account transaction request in a message; and receiving and processing a response message from said account server.
22. The method for authenticatmg a user for at least one account as claimed in claim 21 wherein said at least one account comprises at least two accounts and said user selects a selected account from said at mϊ two accounts,, said method further comprising providing said user access to said selected account after said user provides account authorization input data via an input device on said account card and if said authorization input data is validated against authorization data associated with said selected account.
23. The method for authenticating a user for at te ϊ account as claimed in claim 21 wherein said transaction associated with said account is capable of being initiated by said user prior to engaging said card with said card reader.
24. The method for authenticating a user for at least one account as claimed in claim 22 wherein one of said at least two accounts is accessed independently of the other accounts of said at least of two accounts.
21301376.2
PCT/CA2003/001988 2002-12-26 2003-12-19 System and method for validating and operating an access card WO2004059586B1 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
US10/328,037 2002-12-26
US10328037 US6776332B2 (en) 2002-12-26 2002-12-26 System and method for validating and operating an access card

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
EP20030788730 EP1579397A1 (en) 2002-12-26 2003-12-19 System and method for validating and operating an access card

Publications (2)

Publication Number Publication Date
WO2004059586A1 true WO2004059586A1 (en) 2004-07-15
WO2004059586B1 true true WO2004059586B1 (en) 2004-09-02

Family

ID=32654272

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/CA2003/001988 WO2004059586B1 (en) 2002-12-26 2003-12-19 System and method for validating and operating an access card

Country Status (3)

Country Link
US (1) US6776332B2 (en)
EP (1) EP1579397A1 (en)
WO (1) WO2004059586B1 (en)

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* Cited by examiner, † Cited by third party
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US8991696B1 (en) 2011-03-07 2015-03-31 Isaac S. Daniel Electronic corporate credit system and biometric identification and documentation card

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US6776332B2 (en) 2004-08-17 grant

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