Method and device for generating a single-use financial...

Details Method and device for generating a single-use financial... Method and device for generating a single-use financial...

2000-10-23

2010-12-14

Elisca, Pierre E (Department: 3714)

Data processing: financial, business practice, management, or co

Business processing using cryptography

Usage protection of distributed data files

C705S038000, C705S039000

Reexamination Certificate

active

07853529

ABSTRACT:
A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction. The central processor extracts and decrypts data elements from the transmitted identifier using the private cryptographic key, compares those data elements with data elements stored in a memory, and verifies the single-use financial account identifier in accordance with the comparison.

REFERENCES:
patent: 3376661 (1968-04-01), Hulett
patent: 4016405 (1977-04-01), McCune et al.
patent: 4023012 (1977-05-01), Ano et al.
patent: 4048475 (1977-09-01), Yoshida
patent: 4269874 (1981-05-01), Pryor et al.
patent: 4395628 (1983-07-01), Silverman et al.
patent: 4575621 (1986-03-01), Dreifus
patent: 4599509 (1986-07-01), Silverman et al.
patent: 4629874 (1986-12-01), Pugsley et al.
patent: 4667087 (1987-05-01), Quintana
patent: 4679236 (1987-07-01), Davies
patent: 4707592 (1987-11-01), Ware
patent: 4720860 (1988-01-01), Weiss
patent: 5010485 (1991-04-01), Bigari
patent: 5163097 (1992-11-01), Pegg
patent: 5163098 (1992-11-01), Dahbura
patent: 5192947 (1993-03-01), Neustein
patent: 5231666 (1993-07-01), Matyas
patent: 5311594 (1994-05-01), Penzias
patent: 5317636 (1994-05-01), Vizcaino
patent: 5361062 (1994-11-01), Weiss et al.
patent: 5420926 (1995-05-01), Low et al.
patent: 5434398 (1995-07-01), Goldberg
patent: 5457747 (1995-10-01), Drexler et al.
patent: 5478994 (1995-12-01), Rahman et al.
patent: 5479530 (1995-12-01), Nair et al.
patent: 5485510 (1996-01-01), Colbert
patent: 5485519 (1996-01-01), Weiss
patent: 5509070 (1996-04-01), Schull
patent: 5559313 (1996-09-01), Claus et al.
patent: 5585787 (1996-12-01), Wallerstein
patent: 5590038 (1996-12-01), Pitroda
patent: 5627355 (1997-05-01), Rahman et al.
patent: 5649118 (1997-07-01), Carlisle et al.
patent: 5724424 (1998-03-01), Gifford
patent: 5727163 (1998-03-01), Bezos
patent: 5748737 (1998-05-01), Daggar
patent: 5754653 (1998-05-01), Canfield
patent: 5799285 (1998-08-01), Klingman
patent: 5826245 (1998-10-01), Sandberg-Diment
patent: 5845267 (1998-12-01), Ronen
patent: 5883452 (1999-03-01), Masuda
patent: 5883810 (1999-03-01), Franklin et al.
patent: 5899980 (1999-05-01), Wilf et al.
patent: 5903830 (1999-05-01), Joao et al.
patent: 5905736 (1999-05-01), Ronen et al.
patent: 5913203 (1999-06-01), Wong et al.
patent: 5953710 (1999-09-01), Fleming
patent: 5955961 (1999-09-01), Wallerstein
patent: 5956699 (1999-09-01), Wong et al.
patent: 6000832 (1999-12-01), Franklin et al.
patent: 6014650 (2000-01-01), Zampese
patent: 6049785 (2000-04-01), Gifford
patent: 6064879 (2000-05-01), Fujiwara et al.
patent: 6068192 (2000-05-01), McCabe et al.
patent: 6154879 (2000-11-01), Pare, Jr. et al.
patent: 6163771 (2000-12-01), Walker et al.
patent: 6195649 (2001-02-01), Gifford
patent: 6202055 (2001-03-01), Houvener et al.
patent: 6253188 (2001-06-01), Witek et al.
patent: 6330544 (2001-12-01), Walker et al.
patent: 6370525 (2002-04-01), Kaufman
patent: 6466901 (2002-10-01), Loofbourrow et al.
patent: 6470490 (2002-10-01), Hansen
patent: 6484166 (2002-11-01), Maynard
patent: 2002/0077837 (2002-06-01), Krueger et al.
patent: 2002/0116341 (2002-08-01), Hogan et al.
patent: 2002/0120584 (2002-08-01), Hogan et al.
patent: 363307582 (1988-12-01), None
“Home Point of Sale” The Perfect Industry, (http://www.hpos.com/), download date: Mar. 10, 1998.
“Prepaid Smart Card Techniques: A Brief Introd . . . ”, (http://www.digicash.com
ews/archive/cardcom.html), download date: Mar. 10, 1998.
Office Action for U.S. Appl. No. 08/919,339 mailed Mar. 30, 1999, 7 pp.
Office Action for U.S Appl. No. 08/919,339 mailed Jul. 20, 1999, 6 pp.
Notice of Allowability for U.S. Appl. No. 08/919,339 mailed Nov. 22, 1999, 6 pp.
Notice of Allowance and Fees Due for U.S. Appl. No. 08/919,939 mailed Aug. 1, 2000, 4 pp.
Notice of Allowance for U.S. Appl. No. 09/542,676 mailed Sep. 8, 2005, 3 pp.
Office Action for U.S. Appl. No. 09/542,676 mailed Aug. 5, 2004, 6 pp.
Office Action for U.S. Appl. No. 09/542,676 mailed Oct. 14, 2003, 6 pp.
Office Action for U.S. Appl. No. 09/542,676 mailed Jan. 31, 2003, 6 pp.
Office Action for U.S. Appl. No. 09/542,676 mailed Jul. 8, 2002, 5 pp.
Office Action for U.S. Appl. No. 11/422,986 mailed Mar. 5, 2007, 10 pp.
Office Action for U.S. Appl. No. 11/422,986 mailed Sep. 12, 2006, 4 pp.
Office Action for U.S. Appl. No. 11/422,978 mailed Mar. 5, 2007, 4 pp.
Office Action for U.S. Appl. No. 11/422,993 mailed Mar. 5, 2007, 4 pp.
Office Action for U.S. Appl. No. 11/338,152 mailed Aug. 8, 2007, 7 pp.
Office Action for U.S. Appl. No. 11/338,152 mailed Mar. 5, 2007, 8 pp.
Office Action for U.S. Appl. No. 11/338,152 mailed Sep. 11, 2006, 4 pp.
Office Action for U.S. Appl. No. 11/422,978 mailed Aug. 27, 2008, 6 pp.
Office Action for U.S. Appl. No. 11/422,986 mailed Feb. 26, 2010, 8 pp.
Office Action for U.S. Appl. No. 11/422,993 mailed Sep. 5, 2008, 7 pp.
Office Action for U.S. Appl. No. 11/338,152 mailed May 11, 2010, 11 pp.
Office Action for U.S. Appl. No. 11/338,152 mailed Oct. 21, 2008, 7 pp.
Office Action for U.S. Appl. No. 11/338,152 mailed Jan. 16, 2008, 5 pp.
Notice of Allowance for U.S. Appl. No. 11/338,152 mailed Sep. 20, 2010, 5 pp.

Affiliated with

Also associated with

Rating

Method and device for generating a single-use financial... does not yet have a rating. At this time, there are no reviews or comments for this patent.

If you have personal experience with Method and device for generating a single-use financial..., we encourage you to share that experience with our LandOfFree.com community. Your opinion is very important and Method and device for generating a single-use financial... will most certainly appreciate the feedback.

Rate now

Comments { 0 }

Profile ID: LFUS-PAI-O-4191520