A credit card system is provided which has the added feature of providing additional limited use credit card numbers and/or cards. These numbers and/or cards can be used for a single or limited use transaction, thereby reducing the potential for fraudulent reuse of these numbers and/or cards. The credit card system finds application to “card remote” transactions such as by phone or Internet. Additionally, when a single use or limited use credit card is used for “card present” transactions, so called “skimming” fraud is eliminated. Various other features enhance the credit card system, which will allow secure trade without the use of elaborate encryption techniques. Methods for limiting, distributing and using a limited use card number, controlling the validity of a limited use credit card number, conducting a limited use credit card number transaction and providing remote access devices for accessing a limited use credit card number are also provided.

Credit card system and method

An adaptive interface for a programmable system, for predicting a desired user function, based on user history, as well as machine internal status and context. The apparatus receives an input from the user and other data. A predicted input is presented for confirmation by the user, and the predictive mechanism is updated based on this feedback. Also provided is a pattern recognition system for a multimedia device, wherein a user input is matched to a video stream on a conceptual basis, allowing inexact programming of a multimedia device. The system analyzes a data stream for correspondence with a data pattern for processing and storage. The data stream is subjected to adaptive pattern recognition to extract features of interest to provide a highly compressed representation that may be efficiently processed to determine correspondence. Applications of the interface and system include a video cassette recorder (VCR), medical device, vehicle control system, audio device, environmental control system, securities trading terminal, and smart house. The system optionally includes an actuator for effecting the environment of operation, allowing closed-loop feedback operation and automated learning.

Adaptive pattern recognition based control system and method

A mobile communications device comprising a location sensing system, producing a location output; a memory, storing a set of locations and associated events; a telecommunications device, communicating event and location information between a remote system and said memory; and a processor, processing said location output in conjunction with said stored locations and associated events in said memory, to determine a priority thereof.

Mobile communication device

An user device (120) generates telecommunications signals for communication to a host server (110). The user device (120) includes a bar code reader (121) and a mixer for coupling bi-directional voice and data signals to a communication transceiver (123), along a path (131). The user device (120) further includes a key pad (127), a display (126), a microphone (129), a speaker (128), an amplifier and mixer (141), and a protected memory (128). The host server (110) includes an order processing element (111), a sound processing element (112), a synthesizer (114), and a modem (113). The user device (120) is handheld and low-power.

Handheld remote computer control and methods for secured interactive real-time telecommunications

A transaction terminal for use with diverse credit or other transaction cards is provided with an interface unit for receiving a plurality of modules, wherein each module contains programming information corresponding to transactions that may be carried out with at least one of the diverse identification cards presented to the machine. Accordingly, financial institutions who issue cards can independently arrange and program their own security and transaction routines which are to be carried out with the cards and distribute such routines in a secure manner for use on a common terminal.

Multi-issuer transaction device with individual identification verification plug-in application modules for each issuer

An electronic funds transfer system employs a means to verify a personal identification number PE entered by the user with the correct PIN (PT) stored at the host terminal. The remote and host terminals each generate an encryption key, and encrypt PE and PT at the respective terminals. These values are transmitted to the other terminal, where they are re-encrypted using the other encryption key. The double-encrypted numbers are then compared. The user-entered PIN can thus be verified without the need to share en encryption key between the remote and host terminals. The encryption transformation is of the type where the results of successive encryptions does not depend on the order of encryption.

Theodore Stein

Papers

Electronic funds transfer system with means for verifying a personal identification number without pre-established secret keys