A dynamic credit card is provided in which a secure credit card number (e.g., a secret/hidden credit card number) is encoded based on a timing signal (e.g., an internal counter) to provide a dynamic credit card number. This dynamic number may be displayed to a user via a display (e.g., so that online purchases can be made) or written onto a magnetic stripe such that the number may be processed by traditional credit card merchants (e.g., swiped). At a remote facility, the dynamic number may be decoded based on time (and/or a counter/key number/equation) or the facility may have the secure number and perform the same function as the dynamic credit card (e.g., encode using time data as a parameter to the encoding equation) and compare the resultant dynamic number to the dynamic number received. Thus, a dynamic credit card number may change continually or periodically (e.g., every sixty seconds) such that credit card numbers may not be copied by thieves and used at later times. A dynamic verification code may be utilized in addition to, or in lieu of, a dynamic credit card number.

Dynamic credit card with magnetic stripe and embedded encoder and methods for using the same to provide a copy-proof credit card

We provide a system for issuing identification documents to a plurality of individuals, comprising a first database, a first server, and a workstation. The first database stores a plurality of digitized images, each digitized image comprising a biometric image of an individual seeking an identification document. The first server is in operable communication with the first database and is programmed to send, at a predetermined time, one or more digitized images from the first database to a biometric recognition system, the biometric recognition system in operable communication with a second database, the second database containing biometric templates associated with individuals whose images have been previously captured, and to receive from the biometric recognition system, for each digitized image sent, an indicator, based on the biometric searching of the second database, as to whether the second database contains any images of individuals who may at least partially resemble the digitized image that was sent. The a workstation is in operable communication with the first server and is configured to permit a user to review the indicator and to make a determination as to whether the individual is authorized to be issued an identification document or to keep an identification document in the individual's possession.

Systems and methods for managing and detecting fraud in image databases used with identification documents

A method for making a secure ID card (100) with multiple images is provided. Information is provided to an information bearing layer (106) which is disposed beneath an outer laminate layer (102, another laminate layer is 114) having lenticules (116a) through (116n) formed thereon, the information (118a) through (118n) constructed and arranged to be capable of providing multiple images when printed information is viewed at different predetermined angles through an appropriate lens. The first surface (104) can also include other information (another surface is 108).

Multiple image security features for identification documents and methods of making same

A payment card (e.g., credit and/or debit card) or other device (e.g., mobile telephone) is provided with a magnetic emulator operable to communicate data to a magnetic stripe read-head. Data may include the type of reward that a user would like to earn as a result of making a purchase or the type of reward that a user would like to utilize to at least partially pay for a purchase.

Systems and methods for programmable payment cards and devices with loyalty-based payment applications

Facilitating transactions using non-traditional devices and biometric data to activate a transaction device is disclosed. A transaction request is formed at a non-traditional device, and communicated to a reader, wherein the non-traditional device may be configured with an RFID device. The RFID device is not operable until a biometric voice analysis has been executed to verify that the carrier of the RFID equipped non-traditional device is the true owner of account information stored thereon. The non-traditional device provides a conduit between a user and a verification system to perform biometric voice analysis of the user. When the verification system has determined that the user is the true owner of one or more accounts stored at the verification system, a purchase transaction is facilitated between the verification system. Transactions may further be carried out through a non-RF device such as a cellular telephone in direct communication with an acquirer/issuer or payment processor.

Systems and methods for non-traditional payment using biometric data

A financial transaction card (10) adapted for use in reading externally stored information includes a transparent, substantially non-foldable rigid base and a strip for carrying machine readable information (14). The rigid base comprises a magnifying lens (24). The lens is formed by machining a shallow cavity (204) in the rigid base; partially filling the cavity with a radiation curable liquid resin; impressing a lens pattern (36) on the surface of the resin with a die; and exposing the resin to radiation of sufficient intensity to cure the resin.

Credit card with magnifying lens

A financial transaction card for reading externally stored information includes a transparent, substantially non-foldable rigid base and a strip for carrying machine readable information. The rigid base comprises a magnifying lens. The lens is formed by machining a shallow cavity in the rigid base; partially filling the cavity with a radiation curable liquid resin; impressing a lens pattern on the surface of the resin with a die; and exposing the resin to radiation of sufficient intensity to cure the resin.

Alan Finkelstein

Papers

Credit card with magnifying lens

Credit card with magnifying lens formed with a radiation-curable resin