WO2007065144A2 - Systemes et procede pour l'authentification multifacteurs de transactions electroniques - Google Patents

Systemes et procede pour l'authentification multifacteurs de transactions electroniques Download PDF

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Publication number
WO2007065144A2
WO2007065144A2 PCT/US2006/061456 US2006061456W WO2007065144A2 WO 2007065144 A2 WO2007065144 A2 WO 2007065144A2 US 2006061456 W US2006061456 W US 2006061456W WO 2007065144 A2 WO2007065144 A2 WO 2007065144A2
Authority
WO
WIPO (PCT)
Prior art keywords
optical
payment card
media
pregroove
absolute time
Prior art date
Application number
PCT/US2006/061456
Other languages
English (en)
Other versions
WO2007065144A3 (fr
Inventor
David Rosensaft
Kevin Wayne Friedman
Original Assignee
Us Encode Corporation
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Priority claimed from US11/292,263 external-priority patent/US20070150416A1/en
Priority claimed from US11/292,057 external-priority patent/US20070143211A1/en
Application filed by Us Encode Corporation filed Critical Us Encode Corporation
Publication of WO2007065144A2 publication Critical patent/WO2007065144A2/fr
Publication of WO2007065144A3 publication Critical patent/WO2007065144A3/fr

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/0806—Details of the card
    • G07F7/0833—Card having specific functional components
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/086—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means by passive credit-cards adapted therefor, e.g. constructive particularities to avoid counterfeiting, e.g. by inclusion of a physical or chemical security-layer

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Development Economics (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Theoretical Computer Science (AREA)
  • Computer Security & Cryptography (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

La présente invention a trait à une carte de paiement de configuration spéciale qui fonctionne à la fois comme une carte de paiement standard, par exemple, une carte bancaire de crédit, de débit ou de guichet automatique destinée à être utilisée dans des transactions de point de vente et comme un dispositif de stockage optique qui peut être lu par n'importe quel lecteur CD ou DVD destiné à être utilisé dans des transactions sécurisées de commerce électronique en ligne, ladite carte présentant des dimensions d'empreinte standard, par exemple, 33/8' x 2 1/8,' de cartes types de paiement ordinaires, et comportant une bande de données magnétique qui est lisible à l'aide de lecteurs de bande magnétique ordinaires. Ainsi, il possède une fonctionnalité point de vente et une utilité de carte de paiement standard. La carte de paiement peut en outre être configurée avec des caractéristiques de support de stockage optique numérique et l'alignement physique qui rendent les données optiques lisibles par un lecteur CD ou DVD.
PCT/US2006/061456 2005-12-01 2006-12-01 Systemes et procede pour l'authentification multifacteurs de transactions electroniques WO2007065144A2 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
US11/292,057 2005-12-01
US11/292,263 2005-12-01
US11/292,263 US20070150416A1 (en) 2005-12-01 2005-12-01 Systems and methods for copy protection during multi-factor authenticating of electronic transactions
US11/292,057 US20070143211A1 (en) 2005-12-01 2005-12-01 Systems and methods for multi-factor authenticating of electronic transactions

Publications (2)

Publication Number Publication Date
WO2007065144A2 true WO2007065144A2 (fr) 2007-06-07
WO2007065144A3 WO2007065144A3 (fr) 2008-05-22

Family

ID=38092953

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US2006/061456 WO2007065144A2 (fr) 2005-12-01 2006-12-01 Systemes et procede pour l'authentification multifacteurs de transactions electroniques

Country Status (1)

Country Link
WO (1) WO2007065144A2 (fr)

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20020020740A1 (en) * 2000-04-17 2002-02-21 Aarons Michael Thomas Financial transaction card
US6513709B1 (en) * 1999-12-22 2003-02-04 Norman F. Hansen Optical transaction card system
US20040218518A1 (en) * 2002-10-16 2004-11-04 Dcard, Inc. Multi-layered data storage card
US20050247776A1 (en) * 2004-05-04 2005-11-10 Bsi2000, Inc. Authenticating optical-card reader
US20050259326A1 (en) * 2004-05-22 2005-11-24 3M Innovative Properties Company Cards and laminates incorporating multilayer optical films

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6513709B1 (en) * 1999-12-22 2003-02-04 Norman F. Hansen Optical transaction card system
US20020020740A1 (en) * 2000-04-17 2002-02-21 Aarons Michael Thomas Financial transaction card
US20040218518A1 (en) * 2002-10-16 2004-11-04 Dcard, Inc. Multi-layered data storage card
US20050247776A1 (en) * 2004-05-04 2005-11-10 Bsi2000, Inc. Authenticating optical-card reader
US20050259326A1 (en) * 2004-05-22 2005-11-24 3M Innovative Properties Company Cards and laminates incorporating multilayer optical films

Also Published As

Publication number Publication date
WO2007065144A3 (fr) 2008-05-22

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