Secure money transfer techniques using hierarchical arrangement of smart cards

Number of patents in Portfolio can not be more than 2000

United States of America

PATENT NO H1794
SERIAL NO

08959290

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ATTORNEY / AGENT: (SPONSORED)

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Abstract

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Systems and methods for providing secure smart card transactions are disclosed. Smart cards are arranged in a smart card hierarchy, the hierarchy including a first smart card at a first hierarchical level and a second smart card at a second hierarchical level higher than the first hierarchical level. A smart card reader is equipped to read smart cards and to accept personal identification (PIN) number inputs. According to one embodiment, a first PIN number is stored on the first smart card, the first PIN number corresponding to the first hierarchical level. A first security key is also stored on the first smart card. A second PIN number is stored on the second smart card, the second PIN number corresponding to the second hierarchical level. A second security key is stored on the second smart card. The PIN numbers and security keys are used to selectively lock and/or unlock a smart card.

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Patent Owner(s)

  • AT&T CORP.

International Classification(s)

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Inventor(s)

Inventor Name Address # of filed Patents Total Citations
Claus, David Michael Indianapolis, IN 6 695

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