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Class 705/72 - Verifying PIN


Subclass of Class 705 - Data processing: financial, business practice, management, or cost/price determination
Definition: Subject matter wherein the personal identification number
No. of patents: 206
Last issue date: 07/19/2011


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NumberTitleIssue Date
5809143Secure keyboard
Apparatus and methods are provided for transacting secure purchase and bill payment transactions. A method for transacting a secure purchase via an internet using a system including a computer, a first communication device coupled to the computer and to t...
09/15/1998
5802176System for controlling access to a function, using a plurality of dynamic encryption variables
The system includes a first card-like unit adapted to communicate with a second unit giving only conditionally access to a function. Both units are capable of running software for generating a password by means of encryption of a plurality of dynamic vari...
09/01/1998
5796827System and method for near-field human-body coupling for encrypted communication with identification cards
An apparatus and method are disclosed for encoding and transferring data from a transmitter to a receiver, using the human body as a transmission medium. The transmitter includes an electric field generator, a data encoder which operates by modulating the...
08/18/1998
5796832Wireless transaction and information system
A financial information and transaction system utilizes wireless communication in connection with portable terminals. In this system, a terminal is connected to the financial institution via a wireless or cellular telephone hook-up. Smart cards are utiliz...
08/18/1998
5768387Key authentication method and key authentication apparatus
A key authentication device and method which, through the use of user-unique information, prevents the improper use of software. The key authentication device is equipped with a software storage medium for storing software with encoded characters, graphs,...
06/16/1998
5754653Coding formula for verifying checks and credit cards
A method is disclosed for verifying that a check user, a credit card holder, or an account user is authorized to complete a transaction. The issuer of the check or credit card or the verifying entity assigns a security code formula to each user, consistin...
05/19/1998
5754652Method and apparatus for secure pin entry
A method for sequentially encrypting the digits of a personal identification number, and an apparatus for practicing the method, are disclosed. According to the method, a random number is generated and supplied to a user requesting access to a system. The...
05/19/1998
5742684Method and apparatus for data encryption and transmission
An encryption system for transmitting confidential data from a transmitting device comprising: a processor fore effecting a dynamic algorithm which is a function of time, e.g., Greenwich Mean Time; means for entering confidential data into the transmittin...
04/21/1998
5724423Method and apparatus for user authentication
A user authentication service is disclosed which is both highly secure and user friendly. To access a particular service, a user simply enters a personal identification type number (PIN) using a portable terminal device which encodes the PIN. More specifi...
03/03/1998
5719941Method for changing passwords on a remote computer
A method for changing an account password stored at a physically remote location is provided. After initiating a password change sequence, a user submits both an old and a new password to its client machine. Thereafter, the client computes two message val...
02/17/1998
5696824System for detecting unauthorized account access
A method and system for detecting unauthorized account access. The system may operate in conjunction with known methods of remote access authentication. The system provides a unique account for each authorized person (i.e., each user) and a system sequenc...
12/09/1997
5689247Automated system for identifying authorized system users
A method and apparatus for identifying authorized users of a secure system. A user of the secure system is prompted to enter a personal identification code which is then received into the secure system. The personal identification code entered by the user...
11/18/1997
5668876User authentication method and apparatus
Authorization for a user to use a service is provided by a modified pager which calculates a unique response code to a transmitted challenge code based on the challenge code, an input personal identification number, and an internal key. The response code ...
09/16/1997
5590197Electronic payment system and method
A cyber wallet in the form of stored and protected account information, which may be "carried" on a tamper resistant portable electronic storage medium such as a smartcard, or stored on the customer's computer (or personal digital assistant, PCMCIA card, ...
12/31/1996
5524072Methods and apparatus for data encryption and transmission
The present invention provides methods and apparatus for the transmission of encrypted data along conventional telephone lines using various data transmission techniques, including known dual tone multi-frequency(DMTF) techniques. In accordance with a pre...
06/04/1996
5475756Method of authenticating a terminal in a transaction execution system
The invention provides for a method of authenticating to a user or customer a terminal, such as an automatic teller machine, in a transaction execution system. The terminal is authenticated by a central host using cryptographic techniques, and a personal ...
12/12/1995
5448638Security apparatus and system for retail environments
A gasoline service station includes gasoline dispensers and a PIN pad including keypads for receiving personal identification numbers and assembled into a network for securely communicating personal identification numbers from the PIN pads and dispensers ...
09/05/1995
5371797Secure electronic funds transfer from telephone or unsecured terminal
A secure electronics funds or other financial transaction system that provides substantially equivalent security to that obtained by the use of secure point of sale terminals such as automatic teller machines, yet is conducted from unsecure terminal devic...
12/06/1994
5367572Method and apparatus for personal identification
A method and apparatus for providing improved security for a personal identification number (PIN) in a personal identification and verification system of the type wherein a time dependent nonpredictable code is generated at a device in the possession of t...
11/22/1994
5363449Personal identification encryptor and method
A method and apparatus for allowing a user to select and encrypt a Personal Identification Number (PIN) from a remote location without requiring clear transfer of the user-selected PIN and the account number during a single communication is disclosed. The...
11/08/1994
5361062Personal security system
A method and apparatus are provided for verifying the identity of a system user. Each user has a token which processes an inputted seed to generate a stored value which is either a current seed value or a function thereof. This value is then changed to ge...
11/01/1994
5351296Financial transmission system
A method and device for determining and securely transmitting an account code of a financial card over a communications link in a communications network to a remote location which also allows a telephone to be used concurrently to perform voice communicat...
09/27/1994
5343529Transaction authentication using a centrally generated transaction identifier
Each access attempt transmitted to an authentication agency causes the agency to produce a request identifier unique to that request. The request identifier is transmitted back to the authentication code generator of the user initiating the access attempt...
08/30/1994
5323465Access control
A plurality of portable tokens are issued e.g. for authenticating instructions within an electronic banking network. Each token requires entry of a respective password in order to operate and becomes locked if a number of incorrect password entries are ma...
06/21/1994
5321751Method and apparatus for credit card verification
Techniques for multiple verification of credit cards incorporating digital image information and authorization data onto a credit card to assist in the card verification process. This technique requires the authorized card holder to have a picture identif...
06/14/1994
5319710Method and means for combining and managing personal verification and message authentication encrytions for network transmission
The method and means of transmitting a user's transaction message to a destination node in a computer-secured network operates on the message, and a sequence number that is unique to the transaction message to form a message authentication code in combina...
06/07/1994
5317636Method and apparatus for securing credit card transactions
This disclosure relates to a method and apparatus for improving the security of credit card transactions. It involves a so-called "smart" credit card, which includes a processor, a memory, and a display window. When used, the card produces a verification ...
05/31/1994
5311594Fraud protection for card transactions
The problems of fraud in card transactions can be reduced by, after requiring the person engaged in the card transaction to initially identify himself, such as by supplying a card number, a) requesting, the person to supply as authentication information e...
05/10/1994
5267315Secret identification number checking system
The present invention relates to a secret identification number checking system for comparing a secret identification number stored in a magnetic card (11) and a secret identification number entered by the bearer of the magnetic card. Data to enable the c...
11/30/1993
5261000On-line terminal unit
A high-security on-line terminal unit comprises means of automatically generating a password of m+n digits formed of an m-digit number determined based on the date of data creation and an n-digit number determined based on the print number of output data,...
11/09/1993
5239583Method and apparatus for improved security using access codes
An improvement in structure and credit account access security employing method and means for ensuring that repeating an exact access code which was successful in accessing the account will be unsuccessful at the next or subsequent tries. The user enters ...
08/24/1993
5233655Data access verification system
A system is provided for enabling use of a password or PIN (personal identification number) to prove authority for access to a data base, where the PIN cannot be safely transmitted to a verifying authority. The PIN is entered into a calculating circuit wh...
08/03/1993
5196840Secure communications system for remotely located computers
A system for determining when a remote computer user is authorized to communicate with a host computer and to establish a ciphering key to be used for the communications session. A random number is generated at the host computer, ciphered under the user's...
03/23/1993
5193114Consumer oriented smart card system and authentication techniques
A consumer oriented secure smart card with various accounts which are accessible only through proper use of security measures. Security measures consist of encryption with described automatic key generation and management technique and a technique to auth...
03/09/1993
5130519Portable pin card
A portable Personal Identification Card allows a cardholder to enter a PIN code into his card at a location remote from an authorization terminal. In an alternate embodiment, a PIN code may be enterd at the authorization terminal. The authorization termin...
07/14/1992
5093861Recognition apparatus and method for security systems
A method of authenticating input data including user data and pin code data for an access control system. The method includes the steps of receiving the user data and the pin code data from a keyboard and/or a card reader, combining an offset data with th...
03/03/1992
5023908Method and apparatus for personal identification
A method and apparatus for providing improved security for a personal identification number (PIN) in a personal identification and verification system of the type wherein a time dependent nonpredictable code is generated at a device in the possession of t...
06/11/1991
4995081Method and system for personal identification using proofs of legitimacy
The method and system for the invention utilizes any of a number of "proofs of legitimacy" to generate and verify a personal identification card. A card is generated by computing a digital signature of a non-secret password. The password and the digital s...
02/19/1991
4984270Method and system for transmission of financial data
An improved system for transmission financial data includes, in preferred embodiments, an encryption key stored on a bank card and used to encrypt preselected data prior to transmission. Encrypted data is then transmitted through all intermediate computer...
01/08/1991
4965568Multilevel security apparatus and method with personal key
A method and apparatus for electronic financial transaction processing systems used by customers of certain credit or electronic banking card-issuing institutions. The present invention involves two levels of secure interaction between the customer and th...
10/23/1990
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