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

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

A data encryption system for encrypting an n-bit block of input in a plurality of rounds is presented, where n is preferably 128 bits or more. The data encryption system includes a computing unit for the execution of each round; memory for storing and loading segments; a bit-moving function capable of rotating, shifting, or bit-permute round segments by predetermined numbers of bits preferably to achieve active and effective fixed rotation; a linear combination function which provides new one-to-one round segments using a round operator generally from one algebraic group to combine two different one-to-one round segments taken from one one-to-one round segment set; and a nonlinear function which affects a one-to-one round segment from a particular one-to-one round segment set based on a value which depends on a preselected number of bits in a preselected location from a different one-to-one round segment from the same one-to-one round segment set. The nonlinear function is a variable rotation function or an s-box. A subkey combining function is generally employed in each round to provide new round segments by combining a round segment typically linearly with a subkey segment.

Block cipher method

When a user successfully logs in to an information server (22, 104) such as an online banking server, an e-commerce server, or a VPN server, for greater security communication is transferred transparently to the user to an authentication server (106) for additional authentication. The additional authentication can include comparing elements of a previously deposited cookie on the user computer (12, 102) to test elements, and if the elements match, granting access and transparently transferring the user computer (12, 102) back to the information server (22, 104). If the secondary authentication fails, however, the user may be asked questions as tertiary authentication, or a PIN code can be sent to the user's cell phone, which PIN code can then be input on the user computer (12, 102) to gain access.

System and method for blocking unauthorized network log in using stolen password

An electronic card (10) includes a digital processor, an electromechemical battery and a communication port. The processor and batter are essentially coplanar, and are sandwiched between and enclosed by two flexible covers (12, 14), preferably made from an insulating plastic material, and preferably fitted to the components that they enclose. The communications port can include, for example, a Smart Card contact port, a stripe emulator, an RF port, and IR port, etc. The battery may comprise a rechargeable battery. In an exemplary embodiment, at least the processor is carried by a flexible printed circuit (PC board). In another exemplary embodiments, switches and/or indicators are also carried by the PC board. A method for manufacturing an electronic card having at least two components is also disclosed.

Electronic cards and methods for making same

A plaintext message to be encrypted is segmented into a number of words, e.g., four words stored in registers A, B, C and D, and an integer multiplication function is applied to a subset of the words, e.g., to the two words in registers B and D. The integer multiplication function may be a quadratic function of the form ƒ(x)=x(ax+b) or other suitable function such as a higher-order polynomial. The results of the integer multiplication function are rotated by lg w bits, where lg denotes log base 2 and w is the number of bits in a given word, to generate a pair of intermediate results t and u. An exclusive-or of another word, e.g., the word in register A, and one of the intermediate results, e.g., t, is rotated by an amount determined by the other intermediate result u. Similarly, an exclusive-or of the remaining word in register D and the intermediate result u is rotated by an amount determined by the other intermediate result t. An element of a secret key array is applied to each of these rotation results, and the register contents are then transposed. This process is repeated for a designated number of rounds to generate a ciphertext message. Pre-whitening and post-whitening operations may be included to ensure that the input or output does not reveal any internal information about any encryption round. Corresponding decryption operations may be used to decrypt the ciphertext message.

Raymond Mark Sidney

Papers

Enhanced block ciphers with data-dependent rotations