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US 5,311,594 AGranted
Fraud protection for card transactions
AssigneeAT&T Bell Laboratories
InventorArno A. Penzias
Life of this patent
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AssigneeAT&T Bell Laboratories
InventorArno A. Penzias
Estimating the term…
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, the person to supply as authentication information either 1) a randomly selected piece of prestored information or 2) information derived from a randomly selected piece of prestored information; and b) completing the transaction only if the authentication information requested is correctly supplied. The authentication information requested is described in terms of its nature, i.e., what it represents, so that one can not deduce from the request the correct response without knowing the selected prestored piece of information. Since the authentication information is randomly determined for each card transaction, a thief will rarely, if ever, be able to successfully complete a card transaction simply by supplying, in response to a request, the same piece of authentication information last supplied by the authorized person. Each authorized person already knows the particular pieces of information that are prestored for him, e.g., birthdate of spouse, year of school graduation, and mother's telephone number. Thus, he need exert no extra effort to remember them. If the pieces of prestored authentication information are various numbers they may be transmitted over a telephone network from a caller to the authorization system using currently available dial pads and DTMF signaling.
A method for use in authorizing a card transaction for a particular card, comprising the steps of:
A method for use in authorizing a card transaction to be charged to a particular card, comprising the steps of:
A method for use in authenticating a requester who is requesting access to a resource, the method comprising the steps of:
A method for use in authorizing a card transaction for a particular card, comprising:
Dependencies are inferred from the claim text.