| 5742684 |
Method and apparatus for data encryption and transmission |
| Apr-21-1998 |
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... |
| 5724423 |
Method and apparatus for user authentication |
| Mar-3-1998 |
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... |
| 5719941 |
Method for changing passwords on a remote computer |
| Feb-17-1998 |
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.... |
| 5696824 |
System for detecting unauthorized account access |
| Dec-9-1997 |
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... |
| 5689247 |
Automated system for identifying authorized system users |
| Nov-18-1997 |
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.... |
| 5668876 |
User authentication method and apparatus |
| Sep-16-1997 |
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... |
| 5590197 |
Electronic payment system and method |
| Dec-31-1996 |
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... |
| 5524072 |
Methods and apparatus for data encryption and transmission |
| Jun-4-1996 |
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)... |
| 5475756 |
Method of authenticating a terminal in a transaction execution system |
| Dec-12-1995 |
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... |
| 5448638 |
Security apparatus and system for retail environments |
| Sep-5-1995 |
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... |
| 5371797 |
Secure electronic funds transfer from telephone or unsecured terminal |
| Dec-6-1994 |
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,... |
| 5367572 |
Method and apparatus for personal identification |
| Nov-22-1994 |
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... |
| 5363449 |
Personal identification encryptor and method |
| Nov-8-1994 |
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... |
| 5361062 |
Personal security system |
| Nov-1-1994 |
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... |
| 5351296 |
Financial transmission system |
| Sep-27-1994 |
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... |
| 5343529 |
Transaction authentication using a centrally generated transaction identifier |
| Aug-30-1994 |
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... |
| 5323465 |
Access control |
| Jun-21-1994 |
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... |
| 5321751 |
Method and apparatus for credit card verification |
| Jun-14-1994 |
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... |
| 5319710 |
Method and means for combining and managing personal verification and message authentication encrytions for network transmission |
| Jun-7-1994 |
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... |
| 5317636 |
Method and apparatus for securing credit card transactions |
| May-31-1994 |
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... |
| 5311594 |
Fraud protection for card transactions |
| May-10-1994 |
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,... |
| 5267315 |
Secret identification number checking system |
| Nov-30-1993 |
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... |
| 5261000 |
On-line terminal unit |
| Nov-9-1993 |
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... |
| 5239583 |
Method and apparatus for improved security using access codes |
| Aug-24-1993 |
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... |
| 5233655 |
Data access verification system |
| Aug-3-1993 |
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.... |
| 5196840 |
Secure communications system for remotely located computers |
| Mar-23-1993 |
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... |
| 5193114 |
Consumer oriented smart card system and authentication techniques |
| Mar-9-1993 |
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... |
| 5130519 |
Portable pin card |
| Jul-14-1992 |
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... |
| 5093861 |
Recognition apparatus and method for security systems |
| Mar-3-1992 |
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... |
| 5023908 |
Method and apparatus for personal identification |
| Jun-11-1991 |
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... |
| 4995081 |
Method and system for personal identification using proofs of legitimacy |
| Feb-19-1991 |
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... |
| 4984270 |
Method and system for transmission of financial data |
| Jan-8-1991 |
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... |
| 4965568 |
Multilevel security apparatus and method with personal key |
| Oct-23-1990 |
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... |
| 4924514 |
Personal identification number processing using control vectors |
| May-8-1990 |
Cryptographic PIN processing is achieved in an improved manner by associating control vectors with the PIN generating (verification) keys and PIN encrypting keys which provide authorization for the uses... |
| 4910775 |
Portable electronic device for use in conjunction with a screen |
| Mar-20-1990 |
The portable electronic device (1) includes some optical reception devices (R), a microcomputer (4) suitable for processing the data received, a display device (6) to display data from the microcomputer... |
| 4907272 |
Method for authenticating an external authorizing datum by a portable object, such as a memory card |
| Mar-6-1990 |
The invention relates to a method for authenticating an external authorizing datum by a portable object, such as a memory card. The authorizing datum (C1) entered into an apparatus (2) is enciphered with... |
| 4904851 |
Identification authenticating system |
| Feb-27-1990 |
An identification authenticating system includes a first memory for storing a program to perform a preselected calculation on an input value to obtain an expected result. An input value is supplied to... |
| 4890323 |
Data communication systems and methods |
| Dec-26-1989 |
In order to improve the security of message transmission from a terminal apparatus in an electronic banking or other data communications system a check-sum or MAC is computed from the data within the message... |
| 4885788 |
IC card |
| Dec-5-1989 |
An IC card having an authentication code which is compared with an authentication code obtained by processing data recorded on the IC card, and permitting the IC card to be used only when agreement is... |
| 4882779 |
Apparatus for communicating with data systems and a method of communicating with data systems |
| Nov-21-1989 |
An apparatus communicating with data systems, and a method of communicating with data systems. In an apparatus (10, 49) communicating with a high secrecy and high security on-line verification data system... |
| 4879747 |
Method and system for personal identification |
| Nov-7-1989 |
The method and system of the invention utilizes a private key of a public-key cryptosystem key pair to encrypt a non-secret password into a digital signature. The password and the digital signature are... |
| 4852165 |
Secure system and method for providing personal identifier |
| Jul-25-1989 |
The invention pertains to apparatus and methods for securely transmitting a personal identifier between an originator thereof and a preselected data base. Especially, pertaining to a computer terminal... |
| 4849613 |
Method and device for making an electronic authentication |
| Jul-18-1989 |
Operating procedure and device for the electronically authorized determination of an individual matter and for obtaining, in a reliably differentiating manner which is secure against forgery, the remotely... |
| 4797920 |
Electronic funds transfer system with means for verifying a personal identification number without pre-established secret keys |
| Jan-10-1989 |
An electronic funds transfer system employs a means to verify a personal identification number PE entered by the user with the correct PIN (PT) stored at the host terminal. The remote and host terminals... |
| 4755940 |
Transaction security system |
| Jul-5-1988 |
An electronic funds transfer system (EFT) is described in which retail terminals located in stores are connected through a public switched telecommunication system to card issuing agencies data processing... |
| 4752676 |
Reliable secure, updatable "cash" card system |
| Jun-21-1988 |
A method of using a card which has a substrate with at least one magnetic track thereon, the method involving dividing the track into a plurality of spaced blocks with a start sentinel being magnetically... |
| 4731842 |
Security module for an electronic funds transfer system |
| Mar-15-1988 |
A security module for use in an electronic funds transfer terminal is contained in a tamper-resistant housing. The module has a PIN pad and is designed to encrypt secret data, such as users personal identity... |
| 4697072 |
Identification card and authentication system therefor |
| Sep-29-1987 |
A card holder inputs personal identification number (PIN') data as secret data and transaction data (AMT) in an LSI in an identification card through a keyboard. The LSI calculates encrypted data (SAN)... |
| 4675815 |
Transaction safety system for falsely indicating successful completion of illegal transaction |
| Jun-23-1987 |
A transaction device, having an input portion, and a processing device, having a client file, which is located at a processing center, are connected by a telephone line for processing data input on the... |
| 4661658 |
Offline PIN validation with DES |
| Apr-28-1987 |
A method of offline personal authentication in a multi-terminal system uses a secret user PIN, a secret key and other nonsecret data stored on a customer memory card and a nonsecret validation value stored... |
