Abstract: A credit card system uses an encryption algorithm to generate a first encoded text from the card number and a password supplied by the user The card user is verified by comparison of the first encoded text with an encoded text recorded on the card When the transaction is completed, the merchant generates a receipt containing a first verification code generated from the date and time of the transaction, the merchant's identification number, the password, and the card number To receive payment, the merchant presents the receipt to the credit card center The credit card center generates a second verification code from the card number, the password which is retrieved from the central database, the merchant number, and the time and date of the transaction If the two verification codes match, the merchant is credited with the amount of the transaction

Abstract: A method and an apparatus are disclosed to enable a public switching network to limit the geographical calling area of calls charged to a credit card. When a credit card call is originated, the called party number is included as part of the credit card validation request. The called party number is compared against numbers stored in a call restriction table 320 previously entered by the owner of the credit card. The network accepts or denies credit card calls as a result of this comparison.

Abstract: This system comprises: - a set of prepaid anonymous cards (10) with a zone for storing monetary units which can be debited successively with each direct adjustment for transport or for a service, and a zone for storing at least one transport entitlement, which is made invalid on using the corresponding transport, - a set of named cards (20) with a personal and bank identification zone for the holder of the card and a zone for storing monetary units and a zone for storing at least one transport entitlement, which is made invalid on using the corresponding transport, - a set of automatic card-reader units (30) associated with each means of transport or service, and - processing means (40, 50) making possible, by remote bank deduction dependent upon the content of the identification zones of a named card, the effecting of a debitless adjustment of the monetary units and the reloading of this zone and/or the restoring of the zone for storing transport entitlements.

Abstract: Systems for interchanging information, for example, obtaining cash from a terminal by use of a portable device such as a credit card are well-known but suffer from being vulnerable to fraud In the invention a highly secure information interchange system is achieved by utilizing an intelligent card (4) as the portable device which verifies that the terminal (3) is a valid one and the terminal in turn verifies that the card is valid Unauthorized users are screened out by means of a physical characteristic scan of the user such as a finger print which is then compared with comparable data stored on the portable device (4) If an invalid terminal (3) attempts to communicate with the card (4), the card (4) erases the data and program from its memory All programs and data in the terminal (3) are stored in memory which loses its contents when power is interrupted, thus improving the security of the system by making unauthorized use of a terminal very difficult The terminal can only be brought back up by authorized personnel with their own access portable devices Both a system and a method are claimed

Abstract: A driver's license is in the form of a rigid plastic card similar to charge cards issued by bank and saving and loan institutions, e.g., Visa and MasterCharge cards. The owner of the driver's license has his or her photograph on the front side of the card in addition to standard identification indicia, such as the driver's license number, name and address. The owner's signature appears on the front or backside of the card, along with a machine and computer readable magnetic tape adapted to store and reveal additional pertinent information relating to the owner. For example, such information may include the owner's social security number, previous traffic citations, credit rating, information relating to automobile insurance, etc. In the preferred embodiment of this invention, a numerical and/or letter code is imprinted on the card to depict the class and type of information available on the magnetic strip.

Abstract: A device for holding credit cards, bank cards, charge cards, or any similar type of card is disclosed having a compartment for holding the card, switching elements which are activated by the card, and a warning device that is activated by the switching elements. The holding device also performs calculation via a keypad, a display, a memory, an arithmetic and/or logic processor for keeping track of the financial transactions regarding the use of the card such that before the card is reinserted into the holding device, the warning device alerts the user to update the memory with the latest financial transactions for the card.

Abstract: To prevent a person having found or stolen a card of a pay-television subscriber from using it fraudulently, the identity of the subscriber is recorded in a zone protected from reading and writing. At the beginning of the period of use of a new card, the new card compares the identity of the new card with that of the old one, and delivers the password only if the two identities are the same.

Abstract: In order to avoid having to produce bank cards equipped with a microprocessor, whose cost although minimal remains of too high an order, wallet cards are produced comprising only memory areas. They then comprise four memory areas, one area (3) relating to the identity of the holder, or of the card, one area (6) relating to the financial balance, a third area (5) relating to a transaction counter. This transaction counter counts the number of financial operations carried out with the card. A fourth area (4) comprises a certificate. This certificate is processed, in each reader (2) which carries out a transaction with the card, with a DES algorithm. The value of this certificate is a function, according to an algorithm which is common to all the readers, of the identity, of the contents of the transaction counter, and of the balance. At the time when a new transaction is effected with the card, it is verified in advance that the contents of the certificate are the same as those which any terminal equipped with the same algorithm is capable of recalculating. … …

Abstract: A program for generating individual keys from a base key is stored in a memory in each SA card (12) in the production of SA cards. Next, the base key is stored in a secret area in the memory, data stored in which cannot be read out from outside, in the SA card (12) by an SA card issuing machine. When issuing individual user cards (13), a user card issuing machine transmits ID or the like of the card to the SA card (12), prepares the individual keys by use of the individual key generation program and stores the received individual keys in the secret area in the memory of the user card (13). At the time of use, the card ID or the like of the user card is transmitted from the user card (13) to the SA card (12) and the SA card prepares the individual key of the user card from the reception information and shares the individual key. In this manner, the IC card service system can execute various attestations by use of the functions such as encoding and decoding of data without making on-line inquiry to the center side.

Abstract: A description is presented of a card for accessing information indirectly using only a bar code. An intelligent card reader is required to retrieve information regarding the cardholder. Magnetic stripe memories are sufficiently large to hold name, number, and about 50 b of reference information for signature verification. Signature verification using dynamic features has been realized with a higher accuracy than that achieved by visual inspection. It appears that a battery-powered single chip microprocessor card reader, and piezoelectric pad for recording the signature dynamics can be combined into a low cost unit. This unit could replace the present roller-printing device. The large number of these units which are required will reduce their cost. >

Abstract: A transaction system consists of an apparatus (11) for executing a transaction, such as a sale of goods, using a portable pre-paid transaction card (73) as a form of payment. The value of the card is stored in re-writable machine readable form on magnetic tape (117) and visibly printed on a display area (115). In order to reduce the cost of issuing replacement cards when nearly exhausted, the apparatus is provided with means to increase the current value of a card when less than a predetermined area of the display area has been used up and to re-issue the card.

Abstract: A prepaid card management system includes a memory and a determining unit. The memory causes a card to store a fixed card number together with value information and stores the value information and the card number in correspondence with the value information when a service is finished. The determining unit stops a service when value information read out from the card upon starting of a service is larger than the value information read out from the memory in correspondence with the card number.

Abstract: PURPOSE:To realize a security function without increasing the number of dial digits the preparing data corresponding to a security code and the route number of subscriber access number of a PBX beforehand, providing a code detecting means, and executing routing control CONSTITUTION:When a PBX-A receives call setting information through a public line network NT 1, it judges whether or not a security code special number exists in an incoming sub-address When it is judged that the security code special number exists therein, the route number corresponding to the code is fetched from a table TBL in a memory MU using the code as a key Next, whether or not the extension number is attached to the incoming sub-address is judged, when the extension number is not attached, the address information fetched in the next time is divided into an incoming sub-address part and the incoming sub-address part, and an incoming address part is set to the incoming address of the call setting information to be sent Further, based on the incoming address of the call setting information, the routing control is executed

Abstract: In order to prevent a person who has found a subscription card (5) for pay television, or who has stolen it, from using it fraudulently, the identity of the subscriber is written into a read- and write- protected area of the card At the start of the period of use of a new card (6), the transmitter (2) compares the identity of the new card with that of the old one, and delivers the control word only if the two identities are the same

Abstract: PURPOSE: To expedite the promotion of the spread and utility of the videotex by devising the terminal equipment such that a pre-paid card is employed to receive the information service of the paid screen information. CONSTITUTION: A card processing section 105 accepts a card with a monetary value recorded thereon to read its monetary value and updates and records the monetary value onto the card at its return. Then a CPU 101 compares the monetary value read out of the card by the card processing section 105 with the monetary amount of paid information from an information center received through a telephone line and displays the paid information onto a display section 11 only when the monetary value read out of the card is larger than or equal to the monetary amount of paid information. That is, the public terminal equipment of the videotex utilizes the pre-paid card so as to allow the public terminal equipment to utilize not only free information but also the paid information. Thus, the system can expedite the promotion of the spread and utility of the Videotex. COPYRIGHT: (C)1992,JPO&Japio

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