Communications: electrical – Digital comparator systems
Patent
1978-01-19
1980-07-22
Yusko, Donald J.
Communications: electrical
Digital comparator systems
235380, G06K 708, G06F 706, H04Q 900
Patent
active
042142300
ABSTRACT:
A method and apparatus for verifying that the bearer of a card (e.g., credit card, bank card, etc.) is authorized to use the card. The card bears machine-readable indicia of an account number (PAN) and the bearer of the card has memorized a personal identification number (PIN). There is associated with the PAN a check number (PCN) which is derived by (1) generating a first cipher Y1 by encrypting the PAN using the PIN in combination with a secret security number as a key, the bits of which address a data encryption process; (2) generating a second cipher by decrypting the first cipher using the secret security number as a key so that the decryption process is the reverse of the encryption process; and (3) storing the second cipher as the check number PCN in a machine-accessible location, which may be in a separate memory or recorded on the card itself.
Verification is accomplished by (a) sensing the PAN from the machine-readable indicia on the card; (b) enciphering the PAN with respect to the data encryption process under control of a key which is a combination (such as by addition) of the PIN and the secret security number to thereby produce a third cipher; (c) sensing the PCN from the machine-accessible location; (d) enciphering the PCN with respect to the data encryption process under control of a key which is the secret security number to thereby produce a fourth cipher; and (e) accepting the card as valid provided the third and fourth ciphers bear a predetermined relationship to each other, such as equality.
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patent: 3862716 (1975-01-01), Black et al.
patent: 3956615 (1976-05-01), Anderson et al.
patent: 3990558 (1976-11-01), Ehrat
patent: 4004089 (1977-01-01), Richard et al.
patent: 4023012 (1977-05-01), Ano et al.
patent: 4025905 (1977-05-01), Gorgens
patent: 4123747 (1978-10-01), Lancto et al.
"Password Generation for Encrypting by Exclusive OR'ing", J. F. Soldini, IBM Technical Disclosure Bulletin, vol. 14, No. 2, Jul. 1971, pp. 576, 577.
Blom Rolf
Fak Viiveke
Forchheimer Robert
Hellberg Bjorn I.
Ingemarsson Ingemar B.
Lamb Owen L.
Yusko Donald J.
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