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Abstract

A consumer oriented secure smart card with various accounts which are accessible only through proper use of security measures. Security measures consist of encryption with described automatic key generation and management technique and a technique to authenticate the individual presenting the card. The encryption key generation and management technique involves having a secret constant or several secret constants programmed into the card and reader, having a secret mathematical function (algorithm) programmed into the card and reader and having both units generate a group of random characters or bits which are used locally and transmitted to the counterpart unit to generate a set of session encryption keys. The random bits and the constants undergo the algorithm in order to produce a unique transmit and receive key for each session. The method of authenticating an individual as authorized to present the card involves the individual's entering a password or personal identification number and having the equipment measure the time of each key depression, the time from release of one key to depression of the next, comparing these measurements and other derivative measurements to previously stored counterparts in order to determine if sufficient positive correlation exists to authenticate the presentor.

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First Claim