806 results about "Personal identification number" patented technology

The invention relates to a game set which comprises communicating elements, in the form of pieces, figurines, cards or dice, each having a radio-frequency tag provided with an individual identification code. A game board comprises a digital processing circuit which is connected to a plurality of antennas, arranged such as to form a sensor matrix, for detecting the presence, type and position of the communicating elements. Radio-frequency readers are respectively connected to m corresponding input/output terminals of the digital processing circuit. Each radio-frequency reader is connected to an associated group of antennas, preferably by means of a corresponding multiplexer. The game board may consist of a removable assembly of basic boards, each comprising a basic digital processing circuit which is connected to the antennas of the corresponding basic board.

A time-based method for generating an authentication code associated with an entity uses an authentication code generated from a secret, a dynamic, time-varying variable, and the number of previous authentication code generations within the particular time interval. Other information such as a personal identification number (PIN) and a verifier identifier can also be combined into the authentication code.

Multiple secure transactions are provided through use of a method that uses customer one-time unique purchase order numbers (“Coupons”) generated by an algorithm that uses a permutated user key and a user insertion key as input variables. A user key (such as a Personal Identification Number, or “PIN”) is combined with a permutation variable that is correlated with a customer sequence number to create the permutated user key. A random number generator is used to generate the user insertion key correlated with the customer sequence number. The algorithm can insert the permutated user key into a user account number through use of the user insertion key. A Coupon is validated by confirming that it is contained in a set of money source Coupons generated by a money source using the user key and a random number generator that is synchronized with the random number used to generate Coupons. Once a Coupon is validated, the matching money source Coupon and all earlier generated money source Coupons are deleted from the set, and a new set is generated. If a preselected number of Coupons are not validated for a chosen entity, an invalid user account number will be set. Coupons can be used for credit card or bank card transactions, and they can be generated without changing fixed digits of traditional twenty digit account numbers.

A payment resolution module is configured to communicate with hand-held devices (such as mobile phones, PDA's, or computers) to allow secure transfer of funds between financial accounts associated with each of the hand-held devices. A user of a paying device may be identified as the owner of the device either by having the option to enter a personal identification code, or by using a biometric to identify himself, for example. Accordingly, only an authorized user of the hand-held device may use the hand-held device to transfer funds. A user of the recipient device may be identified by an identification code or a telephone number, for example, which is associated with a recipient financial account. After the payment resolution module receives authorization for a payment request to the recipient account, a payment transfer module transmits the requested amount from a payment source associated with the identified owner of the paying device to the recipient account.

A method for providing secure transactions generates a Secure Card Number (“SCN”) for a first entity that is transferred with a first entity identifier to a second entity and then to a money source that verifies that the transaction is valid by use of the first entity identifier and the SCN. The SCN includes a 0Transaction Information Block (“TIB”), a Counter Block, and an encrypted Personal Identification Number (“PIN”) Block. The SCN is transferred to the money source in an account number or a non-account data field. The money source can use the TIB to determine whether the SCN should be used once or multiple times or to identify one of several physical devices, all of which are issued to the first entity, used to generate the SCN. The money source validates the SCN by duplicating the encryption process used to create an encrypted PIN Block and comparing the result to the encrypted PIN Block received with the transaction. A Triple Data Encryption Standard algorithm encrypts a PIN Block generated from a PIN, a Sequence Insertion Number (“SIN”) and a known starting value. The SIN can be a combination of three seed values and a random value generated by a Pseudo Random Number Generator (“PRNG”) initialized with the seed values. A Counter value is associated with the Counter Block and the seed values.

The invention relates to an arrangement and a method for reliably identifying a user in a computer system. The method utilizes a mobile station for communicating with the system. The method comprises generating a first one-time password in the mobile station by utilizing a known algorithm on the basis of the identification number of the user, subscriber-specific identifier, device-specific identifier of the mobile station, and time. The password obtained and the subscriber-specific identifier of the user are encoded and transmitted to an authentication server of the computer system, comprising identifying the user on the basis of the subscriber-specific identifier, searching a database for the personal identifier number of the user and the device-specific identifier of the mobile station associated with the user, generating a second password at the authentication server by utilizing the same predetermined algorithm on the basis of the personal identification number of the user, subscriber-specific identifier, device-specific identifier of the mobile station and time, comparing the first and the second passwords with each other at the authentication server, and if the passwords match, enabling the telecommunication connection between the mobile station and the computer system.

A payment resolution module is configured to communicate with hand-held devices (such as mobile phones, PDA's, or computers) to allow purchase of products using the hand-held devices, without requiring the user of the hand-held device to enter payment information for each transaction. The user of the hand-held device may be identified as the owner of the device either by having the option to enter a personal identification code, or by using a biometric to identify himself, for example. Accordingly, only an authorized user of the hand-held device may use the hand-held device to purchase products. After the payment resolution module receives authorization for payment, an authorization code is transmitted to the mobile device. The user may be required to present the authorization code at the point of sale, such as by entering the code into a computing device at the point-of-sale, prior to completion of the transaction.

The present invention relates to a method of generating a multi-factor encryption key using a simple password in order to access control over information stored at a second entity from a first entity via at least one communication network. In one embodiment this is accomplished by, requesting to receive an application at the first entity from the second entity via the communication network, activating the first entity to generate a shared secret key, wherein the shared secret key is computed from a first entity specific ID and a random number generated at the first and second entity and allowing the user to register with the application of the second entity by the first entity, wherein the registration include entry of a personal PIN (personal identification number), a personal message etc.

Disclosed is a secure telephone call management system for authenticating users of a telephone system in an institutional facility. Authentication of the users is accomplished by using a personal identification number, preferably in conjunction with speaker independent voice recognition and speaker dependent voice identification. When a user first enters the system, the user speaks his or her name which is used as a sample voice print. During each subsequent use of the system, the user is required to speak his or her name. Voice identification software is used to verify that the provided speech matches the sample voice print. The secure system includes accounting software to limit access based on funds in a user's account or other related limitations. Management software implements widespread or local changes to the system and can modify or set any number of user account parameters.

Method and apparatus for providing authenticated, secure, on-line communication between remote locations including a user terminal adapted to enable a player in one location to remotely communicate via a communications medium such as the Internet with a gaming host in another location. Location of the remote user terminal, the host server and universal time are determined using means for accessing signals generated by geostationary navigational transmitters, such as in the global positioning satellite (GPS) system. Player authentication (identity verification) is determined by use of a personal identification number (PIN) and an electronic signature verification service. Security of communication is accomplished through use of a public-key/private-key encryption system. The remote user terminal may be comprised of one or more discreet components adapted to be used with a laptop or desktop personal computer (PC), or may be embodied in a stand alone or self-contained single unit that is portable and communicates via radio waves, telephone lines or the Internet to a host server.

Methods of authenticating self-authenticating documents presented at a point of purchase or financial institution. Data contained on the value document may be signed with a first digital signature and authenticated with a public key certificate. A unique personal identification number (PIN) may be included in the document data that is signed by a second digital signature. The signed data and a public key certificate are stored on the value document. At a point of purchase, a merchant or teller can scan and read the stored data and together with the PIN the customer provides, can authenticate the value document thus presented using the second digital signature. Alternatively, if the customer is not present, the document may be verified using a PIN-generating algorithm. The first digital signature alone may be used to authenticate the document even when the PIN is not available.

A system and method to send dedications of popular songs through a communications medium such as the Internet. A sender contacts a musical jukebox Web site and selects a song to dedicate and enters a recipient's electronic mail (email) address. The sender is given a phone number and Personal Identification Number (PIN). The sender calls the phone number, enters the PIN, and leaves a voice message to introduce the dedication. An email is sent to the recipient's email address containing a Uniform Resource Locator (URL) as a link to a dedication Web page. Retrieval of the dedication Web page causes retrieval of a dedication file containing URLs pointing to the voice dedication and the dedicated song. The URLs are extracted from the dedication file and used to play back the voice dedication and the dedicated song.

An encryption-free technique for enabling the self-authentication of value documents (including personal and commercial checks) presented at a point of purchase or financial institution. Certain data contained on the value document may be signed with a first digital signature and authenticated with a public key certificate issued from a trusted certificate authority. The signed data and public key certificate are stored on the value document, preferably in a two-dimensional bar code data format. In the case of certain personal value documents (such as checks, credit cards, passports, birth certificates, Social Security cards, etc.), a unique personal identification number (PIN) also may be included in the document data that is signed by a second digital signature. At a point of purchase, a merchant or teller can scan and read the data stored in the two-dimensional bar code and other magnetically recorded information, and together with the PIN the customer provides, can authenticate the value document thus presented using the second digital signature. Alternatively, if the customer is not present, if the personal value document contains the second digital signature, the document may be verified using a PIN-generating algorithm or other method that generates all permutations of PINs. The first digital signature alone may be used to authenticate selected data within the personal value document even when the PIN is not available. Similarly, in the case of a commercial value documents, authentication of pre-printed data may be based entirely upon only the first digital signature.

A system and method enrolls a speaker with an enrollment utterance and authenticates a user with a biometric analysis of an authentication utterance, without the need for a PIN (Personal Identification Number). During authentication, the system uses the same authentication utterance to identify who a speaker claims to be with speaker recognition, and verify whether is the speaker is actually the claimed person. Thus, it is not necessary for the speaker to identify biometric data using a PIN. The biometric analysis includes a neural tree network to determine unique aspects of the authentication utterances for comparison to the enrollment authentication. The biometric analysis leverages a statistical analysis using Hidden Markov Models to before authorizing the speaker.

A method and system for prepaying wireless telecommunications charges utilizes computer hardware and software including, for example, a user's mobile phone, a mobile operator's interactive voice response unit, a mobile payments interactive voice response unit, SMS, test messaging, email, ATM, kiosk, the Internet, and/or WAP or the like, a mobile payments engine, a mobile operator's prepaid billing system, a subscriber database, a payment gateway, and a transaction processing platform. The mobile payments engine receives information identifying a user's wireless telecommunication device via the mobile payments interactive voice response unit, passes the information to the mobile operator's billing system with a request for validation of a mobile account for the user, and if validation is received, the mobile payments engine receives financial source account and user identity verification information from the user, assigns a mobile personal identification number for the user, and arranges a credit from the source account to the user's mobile account.

A system and method for providing a terminal with account funding is described. In one exemplary aspect of the invention, a system is provided having an interface whereby a player can interact with the gaming system. The interface allows the player to request a transfer of funds from the player's bank account to a wagering account. The system prompts the player to provide for reading the player's bank card such as by swiping the card. The system receives the player's entry of a personal identification code and sends information concerning the player's request for a transfer to a bank. The system then reports the bank's response to the player's request and, if allowed, credits that player's wagering account with the requested transfer of funds.