One-time password credit/debit card
AssigneeBank of America Corporation
InventorsTodd Inskeep, Richard Phillips
Life of this patent
Estimating the term…
Abstract
A one-time password (OTP) generator in combination with a conventional credit/debit card comprising a card having a magnetic bar stripe, raised imprint card numbers and name, expiration date and four digit code as are known in the art is provided. Full smart card functionality may also be provided. The card also includes a microprocessor and software, dedicated chip or a memory chip for generating the OTP. A visual and/or audio display is provided on the card to output the OTP to the user. The end user inputs the OTP to access the secured system. The credit/debit card functionality may be used apart from the OTP generator functionality.
Claims28
An apparatus compromising:
- a one-time password generator for generating a one-time password;
- a display for displaying the one-time password;
- a power source;
- and
- an authentication device allowing the apparatus to be used as a credit/debit card.
A credit/debit card and one-time password generator, comprising:
- a body the size and shape of a credit/debit card;
- a one-time password generator for generating a one-time password;
- a display for displaying the one-time password;
- a power source;
- and
- an authentication device for authenticating the use of the card as a credit/debit card.
A method for using a credit/debit card and one-time password generator comprising:
- authenticating use of the card as a credit card;
- generating a one-time password;
- displaying the one-time password on the card;
- and
- transmitting the one-time password to an authentication node.
Dependencies are inferred from the claim text.