Access card for multiple accounts
AssigneeNCR Corporation
InventorsManning I. Rose, Lee W. Hoevel
Life of this patent
Estimating the term…
Abstract
A system for ascertaining identity of a customer based on a single card carried by the customer. The card bears a machine-readable code, which is transmitted to a database at a remote location. The database locates a record associated with the code, which contains one or more account numbers. Associated with each account number is a Personal Identification Number, PIN. (It is possible that all PINs are identical.) The customer selects an account number, and is asked for a PIN. If the PIN given by the customer matches that of the account number, the customer is concluded to be the valid owner of the account, and a transaction is allowed to proceed.
Claims9
In a self-service kiosk, the improvement comprising:
- a) code-accepting means for accepting a code from a user;
- b) means for
- i) contacting a remote database, and
- ii) retrieving a plurality of account numbers from said database which are associated with said codes
- iii) retrieving a Personal Identification Number. PIN, for each account number;
- iv) presenting said account numbers to the user;
- v) prompting the user to select an account number;
- vi) prompting the user to enter a PIN for the selected account number;
- and
- vii) if the PIN entered matches that associated with the selected account number, transmitting the selected account number to a system which is different from said remote database.
A method of ascertaining identity of a person at a kiosk, comprising the following steps:
- a) accepting a card from the person, which bears a machine-readable code;
- b) using said code, retrieving
- (i) a plurality of Personal Identification Numbers, PINs, and
- (ii) a plurality of account numbers, each being associated with a respective PIN.
- from a database situated at a first remote location;
- c) accepting a personal PIN from said person;
- d) at the kiosk, comparing said personal PIN with one, or more, of said plurality of PINs:
- and
- e) if the personal PIN matches that associated with one of said account numbers transmitting that account number to a system located at a second remote location.
A method of ascertaining identity of a person who is undertaking a transaction, comprising the following steps:
- a) accepting a card from the person
- i) on which resides a machine-readable number, and
- ii) which contains no information identifying its owner or a system issuing the card;
- b) transmitting said code to a remote database;
- c) receiving, from said database, a plurality of account numbers, each associated with a respective PIN;
- d) accepting a personal PIN from said person;
- e) inquiring whether said personal PIN matches at least one of said plurality of PINs;
- and
- f) if a match of PINs is found, transmitting the account number associated with the matching PIN to a remote system, which is different from the remote database.
Dependencies are inferred from the claim text.