Method for preventing fraudulent use of credit cards and credit card information, and for preventing unauthorized access to restricted physical and virtual sites
Number of patents in Portfolio can not be more than 2000
United States of America Patent
Stats
-
Feb 21, 2006
Grant Date -
Apr 18, 2002
app pub date -
Feb 9, 2001
filing date -
Feb 11, 2000
priority date (Note) -
In Force
status (Latency Note)
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Abstract
A method and a system for enabling secure authentication of a user in a computerized card access transaction. A card, identified by an identification number is issued to the user, containing software for generating a surrogate number referred to as a Cybercoupon for use in place of the regular card number. Online intrusion is avoided and the system is rendered portable for use on any computer equipped with a compatible operating system, by avoiding storage of any part of the system on the user's computer, placing the entire system instead on the card itself. The card contains advertising which appears on the user's computer screen. The card is protected by a password. If an incorrect password is entered more than a preset number of times, an 'alert' Cybercoupon is generated containing a code advising the card issuer that an irregular attempt has been made to access the card.
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