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`
`(12)INTERNATIONAL APPLICATION PUBLISHED UNDER THE PATENT COOPERATION TREATY (PCT)
`
`
`
`(19) World Intellectual Property Organization
`
`
`
`
`International Bureau
`
`
`
`
`
`
`
`1111111111111111 IIIIII 111111111111111 IIIII 11111111111111111111111111 IIII IIII IIII
`
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`
`(10)International Publication Number
`
`(43)International Publication Date
`
`
`
`23 May 2002 (23.05.2002)PCT WO 02/41236 A2
`
`(81)Designated States
`
`AE, AL, AM, AT, AU, AZ,
`(51)International Patent Classification 7:
`
`
`
`G06K
`
`
`
`BA, BB, BG, BR, BY, CA, CH, CN, CR, CU, CZ, DE, DK,
`
`
`(21)International Application Number: PCT/US0l/43777
`
`DM, EE, ES, Fl, GB, GD, GE, GH, GM, HR, HU, ID, IL,
`IN, IS, JP, KE, KG, KP, KR, KZ, LC, LK, LR, LS, LT, LU,
`LV, MA, MD, MG, MK, MN, MW, MX, NO, NZ, PL, PT,
`
`(22)International Filing Date:
`
`16 November 2001 (16.11.2001)
`
`RO, RU, SD, SE, SG, SI, SK, SL, TJ, TM, TR, TT, TZ, UA,
`UG, US, UZ, VN, YU, ZA, ZW.
`English
`(25)Filing Language:
`
`
`ARIPO patent (GH, GM,
`English
`
`(84)Designated States (regional):
`(26)Publication Language:
`
`KE, LS, MW, MZ, SD, SL, SZ, TZ, UG, ZM, ZW),
`
`
`
`Eurasian patent (AM, AZ, BY, KG, KZ, MD, RU, TJ, TM),
`
`(30)Priority Data:
`
`
`European patent (AT, BE, CH, CY, DE, DK, ES, Fl, FR,
`US
`
`09/714,88816 November 2000 (16.11.2000)
`
`GB, GR, IE, IT, LU, MC, NL, PT, SE, TR), OAPI patent
`
`
`(BF, BJ, CF, CG, CI, CM, GA, GN, GQ, GW, ML, MR,
`(71)Applicant
`US): TRINITY(]or all designated States except
`
`
`TECHNOLOGIES LLC [US/US]; Suite 318, 136 South
`
`
`NE, SN, TD, TG).
`
`Main Street, Salt Lake City, UT 84101 (US).
`Published:
`
`(72)Inventor; and
`
`(75)Inventor/Applicant HANSEEN, Paul
`without international search report and to be republished
`
`
`
`
`
`
`[US/US]; 1436 Laird Avenue, Salt Lake City, UT 84105
`(]or US only):
`
`upon receipt of that report
`(US).
`(74)Agent: CLAYTON, Grant, R.; Clayton, Howarth & Can­
`
`
`
`non, P.C., P.O. Box 1909, Sandy, UT 84091 (US).
`
`(national):
`
`
`
`For two-letter codes and other abbreviations, refer to the "Guid­
`
`
`
`
`
`
`ance Notes on Codes and Abbreviations" appearing at the begin­
`
`ning of each regular issue of the PCT Gazette.
`
`-
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`--
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`-iiiiiiii
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`iiiiiiii
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`iiiiiiii
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`!!!!!!!!
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`!!!!!!!!
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`----------------------------------------------
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`
`
`(54)Title: HIGH SECURITY DATA CARD
`
`
`
`iiiiiiii
`iiiiiiii
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`-
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`\0
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`M
`,-...I
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`M
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`□ I
`
`(57) Abstract: A device for
`
`
`use in a system for reducing
`
`fraud in financial transactions.
`
`
`The device includes a member
`associated
`with a machine
`
`readable rotatably accessible
`
`
`optical data-containing structure,
`
`
`a machine readable magnetically
`encoded data-containing structure,
`
`and a circuit, each containing
`
`
`separate data sets. The device is
`
`
`used as a data card in financial
`
`and other transactions. The
`
`separate data sets are individually
`
`
`accessible only with user input
`
`information, are compared to such
`
`information and the other data
`
`sets to verify user identity and
`� authorization. A system for using the card in transactions is also disclosed and claimed.
`
`
`
`
`
`
`
`
`
`
`
`IPR2022-01239
`Apple EX1021 Page 1
`
`

`

`WO 02/41236
`
`PCT/US0l/43777
`
`- 1 -
`
`HIGH SECURITY DATA CARD
`
`BACKGROUND
`
`1. The Field of the Invention.
`
`This invention relates to apparatus for portably
`
`
`
`5 containing data. More particularly, the present invention
`
`
`
`relates to devices which store data in multiple formats in
`
`one physical structure.
`
`2. The Prior Art.
`
`
`
`Currently available portable data-containing devices
`
`
`
`10 include plastic cards that are used to carry and transmit
`
`
`
`financial, medical and other data. Such cards are also
`
`used as credit cards and debit cards, in addition to other
`
`
`
`uses. Currently, machine readable data is carried on
`
`portable data cards in magnetic strips which require linear
`
`
`
`15 motion to read the data stored in the magnetic strip, or in
`
`
`
`electronic circuits from which the data is read using a
`
`
`
`digital protocol, or in linearly accessible optical storage
`
`
`
`
`
`formats which require linear movement in relation to the
`
`card to read the data, or in optical forms that are
`
`
`
`20 rotatably accessible which require rotational movement in
`
`relation to the card to read the data on the card.
`
`
`
`
`
`
`
`Currently, there are financial transaction cards, such
`
`
`
`as credit cards, which possess both a data carrying
`
`
`
`
`
`magnetic strip and a data carrying electronic circuit which
`
`25 are used to identify the bearer of the card. These cards
`
`are capable of carrying data in two mediums. The limited
`
`
`
`data capacity of these dual medium cards requires that
`
`
`
`additional information must be obtained to verify that the
`
`
`
`user has the proper authority to use the card.
`
`30
`
`
`
`Fraudulent use of financial transaction cards is,
`
`
`
`a common occurrence. MasterCard
`unfortunately,
`
`of Purchase, N. Y. reported that in 1995,
`International,
`
`
`
`worldwide, 9 cents of every $100 dollars was lost to fraud.
`
`roughly $400 million out of $470 billion in
`This represents
`
`IPR2022-01239
`Apple EX1021 Page 2
`
`

`

`WO 02/41236
`
`PCT/US0l/43777
`
`- 2 -
`
`
`
`transactions. It has been estimated that credit card fraud
`
`
`
`totals over $1 billion every year.
`
`
`
`At present, to verify that a user is authorized to
`
`
`
`make a transaction with such a financial transaction card,
`
`
`
`
`
`5 a merchant must first verify the card's validity through a
`
`computer network (e.g., a computer network known as
`
`VISAnet, a computer network provided by American Express,
`
`
`
`or some other credit card issuer) associated with the card,
`
`
`
`
`
`separate physical information must then be collected and
`
`
`
`10 compared by the merchant, for example signatures compared
`
`
`
`
`
`to the authorized signature provided on the card, or other
`
`
`
`
`
`forms of picture containing identification which are
`
`
`
`
`
`compared to the user. Disadvantageously, even the limited
`
`
`
`
`
`
`
`
`
`protection provided by comparing an authorized signature or
`
`15 picture provided on a financial
`
`
`transaction card becomes
`
`
`
`unavailable in a computer based (also referred to as an
`
`
`
`"online") transaction, where there are no merchant
`
`
`
`
`
`personnel physically present to make this comparison.
`
`
`
`Recent surveys have suggested that credit card fraud my be
`
`
`
`20 up to twelve times more common in "on-line" transactions
`
`"on-line"
`than in "in person" transactions. Additionally,
`
`
`
`
`
`retailers often have to bear the liability for this fraud,
`
`
`
`while the credit card companies generally absorb these
`
`
`
`costs for traditional "in person" retailers that take fraud
`
`
`
`25 prevention steps.
`
`
`
`
`
`In view of the foregoing, it will be appreciated that
`
`
`
`it would be an improvement in the art to provide a
`
`
`
`financial transaction device or system which eliminates the
`
`
`
`
`
`
`
`need for using an additional identification card, and for
`
`
`
`
`
`30 comparison of signatures, while continuing to ensure that
`
`
`
`
`
`
`
`the user is authorized to make the transaction.
`
`
`
`Also currently, there are wallet sized cards known
`
`
`
`which contain optically accessible data stored in a format
`
`
`
`which does not require rotating the card. While this type
`
`35 of non-rotating optically
`
`
`accessible data card is capable
`
`IPR2022-01239
`Apple EX1021 Page 3
`
`

`

`WO 02/41236
`
`PCT/US0l/43777
`
`- 3 -
`
`
`
`of containing more data than a wallet sized card which
`
`stores data on a magnetic strip, it requires a specialized
`
`
`
`and proprietary reader for accessing the data, which reads
`
`the optically
`stored data in a linear fashion. In order to
`
`
`
`5 use this technology, the linear reading means must be
`
`
`
`available, which requires the user to have access to such
`
`
`
`means. To adapt this type of non-rotating optically
`
`
`
`accessible data card to online transactions, initiated from
`
`
`
`
`
`
`
`a consumer's personal computer, would require the
`
`
`
`10 attachment of a compatible proprietary reader to the
`
`
`
`consumer's personal computer. A system for preventing
`
`
`
`fraud in a computer based transaction, which uses optically
`
`stored data not requiring hardware in addition to that
`
`
`
`which is readily, or currently, available to consumers,
`
`
`
`15 would also be an improvement in the art.
`
`
`
`Moreover, the previously available systems and devices
`
`
`
`
`
`
`
`do not sufficiently address privacy and security concerns.
`
`
`
`For example, the loss of financial institution customer
`
`account numbers and theft of personal identity over the
`
`20 Internet is a serious problem. Such problems prevent the
`
`Internet from reaching its full potential of promised
`
`
`
`immense transactions savings.
`
`
`
`Existing plastic financial transaction cards are
`
`supposed to be safe, but are not. Credit card issuers must
`
`
`
`25 promise to refund funds lost due to unauthorized card use
`
`
`
`and the problem is expensive to the merchant who must pay
`
`
`
`the cost of the fraudulent transaction and subsequently
`
`passes the loss to the consumer by way of higher prices.
`
`
`
`Moreover, privacy invasion continues against a card holder
`
`
`
`30 when their old account number is used to obtain their
`
`
`
`personal identity files, resulting in embarrassment or
`
`
`
`financial burden to the card holder.
`
`art to
`It
`advance in the
`would be a significant
`
`greater
`that provides
`provide
`a data containing card
`
`35
`false
`and prevents someone from using
`security
`
`IPR2022-01239
`Apple EX1021 Page 4
`
`

`

`WO 02/41236
`
`PCT/US0l/43777
`
`- 4 -
`
`
`
`identification, which also includes encryption, preventing
`
`
`
`
`
`unauthorized use and access to the data. Any transaction,
`
`
`
`
`
`be it financial or identification verification, would be
`
`
`
`reliable and would not compromise personal privacy of the
`
`5 user.
`
`BRIEF SUMMARY OF THE INVENTION
`
`
`
`In accordance with one aspect of the present invention
`
`
`
`a transaction card is provided, that combines in one device
`
`
`
`
`
`the capability to store magnetically encoded data,
`
`
`
`10 rotatably accessible optically stored data, and data stored
`
`
`
`
`
`
`
`in a circuit. In one preferred embodiment of the present
`
`
`
`invention, a financial transaction card is provided with at
`
`
`
`
`
`least one structure capable of containing magnetically
`
`
`
`encoded data, at least one structure capable of holding
`
`
`
`stored data and at least one optically 15 rotatably accessible
`
`
`
`
`
`
`
`circuit. Preferably, there are at least three independent
`
`data sets, accessible through different data retrieval
`
`methods. The plurality of data sets are preferably
`
`
`
`separately encrypted, namely, each set is encrypted using
`
`20 a different standard.
`
`In other aspects of the present invention a
`
`
`
`multi-function card is provided with greatly increased
`
`
`
`
`
`processing and storage capacity. Such multi-function cards
`
`
`
`preferably have beneficial applications as driver licenses,
`
`
`
`
`
`
`
`
`
`25 passports, government and corporate employee verification,
`
`
`
`ingress and egress cards. In illustrative embodiments, one
`
`
`
`card preferably has several layers of security, encryption,
`
`
`
`
`
`password and biometric verification files. One
`
`
`
`illustrative card can contain fingerprint and facial
`
`
`
`
`
`30 recognition files, driver license information and records,
`
`
`
`
`
`
`
`passport information, credit/debit information, medical
`
`
`insurance
`
`records, and all of the functions provided by the
`
`
`
`card have running transaction results which are stored on
`
`
`
`the card. Such stored information is preferably used, for
`
`
`
`35 example, in each step of airline travel, from buying the
`
`IPR2022-01239
`Apple EX1021 Page 5
`
`

`

`WO 02/41236
`
`PCT/US0l/43777
`
`- 5 -
`
`
`
`ticket to checking national passport databases to boarding
`
`
`
`the plane. The illustrative card's multiple functions and
`
`
`
`combined security greatly increase the safety of the public
`
`and users of the card.
`
`5
`
`
`
`The existing technology, for example smart card
`
`
`
`technology, is inadequate to serve the present needs of the
`
`
`
`market. The existing technology is severely limited
`
`because of the lack of digital memory space on existing
`
`
`
`devices. Advantageously, in accordance with another aspect
`
`
`
`
`
`
`
`10 of the present invention, high capacity optical storage
`
`
`
`
`
`technology, such as digital versatile disc technology, is
`
`
`
`included many illustrative embodiments of the present
`
`
`
`
`
`
`
`
`
`invention and in many embodiments in combination with smart
`
`
`
`card chips. The high storage capacity illustrative
`
`
`
`
`
`15 embodiments of the present invention preferably store
`
`biometric encrypted security data making all kinds of
`
`
`
`transactions secure and ensuring the identify of the
`
`
`
`presenter of the card. Advantageously, illustrative
`
`
`
`embodiments of the present invention address the needs of
`
`
`
`
`
`card 20 various markets and applications and one illustrative
`
`could function instead of requiring many different cards
`
`using existing technology. Moreover, in accordance with
`
`
`
`another aspect of the present invention, the illustrative
`
`
`
`embodiments of the present invention are backwards
`
`
`
`25 compatible and can be introduced and implemented with the
`
`
`
`
`
`
`
`existing credit card infrastructure which is already
`
`present in the marketplace.
`
`
`
`Moreover, the present invention provides the great
`
`advantage of not being server dependent. One well known
`
`30 example of a server dependent security system for
`
`electronic based commerce is the evolving public key
`
`infrastructure,
`commonly known as "PKI," which requires a
`
`trusted third
`party server involvement to secure
`
`
`
`transactions over the Internet. The PKI server system, as
`
`
`
`35 well as all other similarly structured systems, is open to
`
`IPR2022-01239
`Apple EX1021 Page 6
`
`

`

`WO 02/41236
`
`PCT/US0l/43777
`
`- 6 -
`
`
`
`
`
`numerous security breaches including: being susceptible to
`
`
`
`falsified digital certificates and corrupted digital
`
`
`
`certificates; allowing stolen identities to be used by
`
`
`
`
`
`unauthorized third parties undetected; and reliance on a
`
`
`
`5 third party server which must be trusted by those who are
`
`
`
`transacting business over the �nternet. The present
`
`
`
`invention advantageously does not rely on a third party
`
`
`
`server but rather all the necessary data resides on the
`
`
`
`illustrative cards of the present invention providing much
`
`
`
`10 more security than previously possible using server-based
`
`
`
`public key infrastructure systems.
`
`
`
`One preferred tri-format combination device of the
`
`
`
`
`
`present invention is particularly directed to reducing
`
`
`
`fraud in financial transactions. The separate data sets on
`
`
`
`
`
`15 the single card preferably contain different data and are
`
`
`
`
`
`separately accessible by different user inputs (such as
`
`
`
`
`
`personal identification numbers, machine readable physical
`
`
`
`information such as fingerprints, a photographic or digital
`
`
`
`
`
`
`
`image, or other biometric information). The information
`
`
`
`20 from the separate data sets can be compared by the system
`
`to verify the user's identity and authorization to conclude
`
`the transaction.
`
`
`
`One preferred embodiment of the present invention
`
`includes a rotatably accessible optically stored data-
`
`
`
`25 containing structure. This feature adds a third data set
`
`
`
`capable of containing much larger amounts of data than the
`
`prior art devices, allowing the user's machine readable
`
`
`
`physical information to be stored in the device. Machine
`
`
`
`readable physical information can include a photographic
`
`
`
`30 image, a fingerprint image, a retina image, or other
`
`
`
`
`
`
`
`biometric information that is physically unique to the user
`
`and can be recorded, or examined by a mechanical
`device.
`
`
`
`This information can be accessed by the machine reading the
`
`
`
`device and compared to information input by the user, to
`
`
`
`35 ensure identification and authenticity. The use of
`
`IPR2022-01239
`Apple EX1021 Page 7
`
`

`

`WO 02/41236
`
`PCT/US0l/43777
`
`- 7 -
`
`
`
`
`
`
`
`rotatably accessible machine readable optical data storage
`
`allows the reading of the device in the standard CD-ROM
`
`drive/DVD
`drive of a personal computer.
`
`
`
`BRIEF DESCRIPTION OF THE DRAWINGS
`
`5
`
`
`
`In order to better appreciate how the above-recited
`
`
`
`and other advantages and objects of the invention are
`
`
`
`obtained, a more particular description of the invention
`
`
`
`
`
`
`
`
`
`briefly described above will be rendered by reference to a
`
`
`
`specific embodiment thereof which is illustrated in the
`
`
`10
`
`appended drawings. Understanding that these drawings
`
`
`
`depict only a typical embodiment of the invention and are
`
`
`
`
`
`not therefore to be considered limiting of its scope, the
`
`
`
`
`
`invention will be described and explained with additional
`
`
`
`
`
`
`
`specificity and detail through the use of the accompanying
`
`15 drawings in which:
`
`Figure 1 is a view of the top planar surface of a
`
`first embodiment of the card device of the present
`
`invention.
`
`
`
`Figure 2 is a side view of the first embodiment of the
`
`
`
`20 card device of the present invention.
`
`Figure 2A is a view of the bottom planar surface of
`
`
`
`the first embodiment of the card device of the present
`
`invention.
`
`Figure 3 is a top view of a second alternative
`
`
`
`of the present invention. 25 embodiment of the card device
`
`
`
`Figure 4 is a top view of a third alternative
`
`
`
`embodiment of the card device of the present invention.
`
`
`
`Figure 5 is a view of an embodiment of a cover for the
`
`card device, included in the present invention.
`
`30
`
`
`
`Figure SA is a diagrammatic representation of how
`
`
`
`chips with contacts can be read with simple spindle
`
`modification.
`
`
`
`Figure 5B is a diagrammatic representation of how card
`
`
`
`contacts would be aligned with the laser reading the cards
`
`IPR2022-01239
`Apple EX1021 Page 8
`
`

`

`WO 02/41236
`
`PCT/US0l/43777
`
`- 8 -
`
`
`
`data, determining its position on the disc and hence discs
`
`position relative to the contacts.
`
`
`
`Figure 6 is a flow chart illustrating a method for
`
`verifying the authority to use the card in a transaction.
`
`5
`
`Figure 7 is a chart comparing the accuracy of various
`
`
`
`biometric identification technologies.
`
`
`
`DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
`
`
`
`Reference will now be made to the drawings wherein
`
`like structures will be provided with like reference
`
`
`
`10 designations. The invention is a device, and a system for
`
`using that device. One preferred use of a preferred
`
`
`
`embodiment of the invention can be used for reducing fraud
`
`in computer based transactions.
`
`
`
`
`Financial transaction card
`
`based fraud is especially problematic for on-line
`
`
`
`15 transactions, occurring up to 12 times more frequently than
`
`
`
`
`
`It is estimated that credit
`with in-person transactions.
`
`card fraud costs financial companies, merchants and
`
`
`
`customers over a billion dollars each year, in the United
`
`States alone. By providing a device and method that may
`
`20 reduce these amounts for both in-person and on-line
`
`the present invention
`represents a
`transactions,
`
`
`
`substantial improvement over the prior art.
`
`
`
`
`
`
`
`While the described embodiments will refer to the
`
`
`
`invention's use as a financial transaction card, it will be
`
`
`
`
`
`
`
`25 appreciated that alternative uses of both the device and
`
`
`
`method are included within the scope of the present
`
`
`
`invention. Some possible alternative uses include use as
`
`
`
`a medical data-containing device, as a data-containing
`
`device and system to control access to secure areas, as
`
`
`
`30 well as other uses for a data-containing device and
`
`
`
`
`
`
`
`
`
`authorization system for other types of transactions, known
`
`
`
`or readily ascertainable to those skilled in the art that
`
`are included within the scope of the present invention.
`
`A first embodiment of the device of the present
`
`
`
`35 invention is illustrated in Figure 1. The device consists
`
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`- 9 -
`
`
`
`of a planar member, shown in this first embodiment as
`
`
`
`numeral 10. The planar member can be constructed of any
`
`
`
`material used for making data-containing cards, the
`
`
`
`preferred construction will result in a surface hardness at
`
`
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`5 least equal to that of polycarbonate.
`
`
`
`At least one structure associated with the planar
`
`
`
`member 10 is capable of containing magnetically encoded
`
`
`
`data. In the embodiment shown in Figure 1, this structure
`
`
`
`capable of containing magnetically encoded data is a
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`
`
`10 magnetic strip 12. The information encoded on magnetic
`
`strip 12 contains at least one data set. The preferred
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`
`
`structure capable of containing magnetically encoded data
`
`
`
`
`
`complies with ISO standard ISO 4909, hereby incorporated
`
`
`
`herein in its entirety by this reference, allowing the card
`
`15 to be used as a credit card or as a debit card.
`
`
`
`Associated with the planar member 10 is at least one
`
`
`
`circuit. In the embodiment shown in Figure 1, this circuit
`
`
`
`is represented by a box, generally indicated at 14. The
`
`
`
`preferred circuit is an integrated circuit; installed so
`
`20 the card and circuit comply with ISO standards ISO 7816(1-
`
`
`
`10), hereby incorporated by this reference in its entirety,
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`
`
`or ISO 14443, hereby incorporated by this reference in its
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`
`
`entirety; allowing the invention to function as what is
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`
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`commonly referred to in the industry as a "smart card."
`
`
`
`25 The circuit 14 contains a data set, is capable of receiving
`
`
`
`further data input to it, processing that further data
`
`
`
`based on the data set already contained in the circuit, and
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`
`
`then outputting additional data based upon that processing.
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`
`
`The original dataset, a modified dataset based upon the
`
`
`
`30 processing, or both may be retained by the circuit 14 after
`
`
`
`output. It will be appreciated that various methods known,
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`
`
`or readily ascertainable to those skilled in the art may be
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`used to receive and output data by the circuit 14, and all
`
`such methods are within the scope of the present invention.
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`IPR2022-01239
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`- 10 -
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`
`
`Also associated with the planar member 10 is a
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`
`
`structure which is advantageously capable of containing
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`
`
`machine readable optically stored data which requires that
`
`the planar member 10 be rotated in order to access the
`
`
`
`5 optically stored data. In the first preferred embodiment
`
`
`
`shown in Figure 1, the planar member 10 is constructed so
`
`that it can be accessed as a compact disc, readable through
`
`the bottom planar surface of planar member 10.
`
`
`
`It will be appreciated by those skilled in the art
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`
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`10 that other rotatably accessible machine readable optically
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`
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`stored data formats can be used, examples of such formats
`
`include but are not limited to compact disc read only
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`
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`memory, compact disc recordable, compact disc rewritable,
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`
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`compact disk interactive, video compact disk and digital
`
`
`
`disc), as well as 15 versatile disc (digital versatile video
`
`
`
`
`
`others which are known to those skilled in the art. When
`
`
`
`used with the preferred embodiment, these formats are
`
`
`
`preferably in compliance with one or more of the following
`
`
`
`standards:
`
`
`IEC 908; the Phillips-Sony Compact Disc Digital
`
`
`
`20 Audio System Description (RED Book) ; the Phillips-Sony
`
`
`
`Enhanced Music CD Specification (BLUE Book); ISO/IEC 10149;
`
`
`
`the Phillips-Sony Compact Disc Read Only Memory System
`
`
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`Description (YELLOW Book) ; the Phillips-Sony Recordable
`
`
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`
`
`Compact Disk System Descriptions, Part II: CD-WO (Write
`
`
`
`25 Once) (ORANGE Book); the GREEN book; the Phillips-JVC-
`
`
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`Matsushita-Sony Compact Disk Digital Video Specification
`
`
`
`(WHITE Book); ISO 9660; ISO 13346; ISO 16448; ISO 16449;
`
`ISO 16824; and ISO 16825; each of which is hereby
`
`
`
`incorporated herein, in its entirety, by this reference.
`
`
`
`30
`
`
`
`In one illustrative embodiment, a hole 16 is passed
`
`
`
`through planar member 10, allowing the device to be
`
`
`
`installed and read in a compact disc drive. The preferred
`
`
`
`association of the planar member 10 with a structure
`
`
`
`
`
`capable of containing machine readable optically stored
`
`
`
`35 data is to construct the planar member in such a way that
`
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`the planar member includes the structure capable of
`
`- 11 -
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`
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`containing machine readable rotatably accessible optically
`
`
`
`
`
`
`
`stored data through the bottom planar surface of planar
`
`member 10. A data set is contained in the structure for
`
`
`
`5 containing machine readable rotatably accessible optically
`
`
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`
`
`stored data.
`
`Figures 2 and 2A show the first illustrative
`
`
`
`embodiment of the device with structures that allow the
`
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`
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`
`
`
`machine readable rotatably accessible optically stored data
`
`10 to be accessed by a compact disc drive or other drive, such
`
`
`
`as a digital versatile disc drive. The side view of Figure
`
`2 shows ridges 2 0 which protrude from the bottom planar
`
`surface of the planar member 10. Figure 2A shows the
`
`
`
`ridges 20, and the hole 16 from the bottom planar surface.
`
`15 The ridges 20, as shown in Figures 2 and 2A, allow the
`
`planar member 10, which is longer than the diameter of a
`
`miniCD to rotate in a compact disc drive.
`
`
`
`Alternative structures which allow the planar member
`
`
`
`
`
`10 to rotate in a compact disc drive/digital versatile disc
`
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`
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`20 drive are represented by Figures 3 and 4. Figure 3 shows
`
`
`
`an embodiment of the device in which the planar member 10
`
`
`
`is shaped as a card with curved first and second edges.
`
`
`
`The length of the planar member 10, shown in figure 3 at L,
`
`equals the diameter of a miniCD, the center hole 16 allows
`
`
`
`25 planar member 10 to be installed in compact disc drive,
`
`where the curved edges and the length allow it to rotate in
`
`
`
`the miniCD portion of the compact disk drive. Figure 4
`
`
`
`shows an embodiment of the device where the planar member
`
`10 is sized as a miniCD, this allows the planar member 10
`
`
`
`
`
`30 to rotate in a compact disk drive. Other structures and
`
`methods for achieving this rotation will be readily
`
`apparent to those skilled in the art and are within the
`
`scope of the present i�vention.
`
`
`
`Figure 5 shows a cover for the device useful for
`
`35 protecting the planar member 10, that is preferred to
`
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`WO 02/41236
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`PCT/US0l/43777
`
`- 12 -
`
`include in the present invention. Planar member 10 is
`
`inserted in cover 30, as shown in Figure 5. Cover 30 is
`
`
`
`preferably made of flexible plastic such as polyurethane.
`
`
`
`When planar member 10 is inserted in cover 30, the cover
`
`
`
`5 protects the circuit 14, and the structure capable of
`
`
`
`containing machine readable rotatably accessible optically
`
`
`
`stored data, an opening 32 in cover 30 allows the magnetic
`
`strip 12 to be accessed by means for reading the
`
`
`
`magnetically encoded data. Alternatively, cover 30, as
`
`
`
`10 shown in Figure 5 can be constructed of material which
`
`
`
`allows electromagnetic waves to pass through. If circuit
`
`
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`14 is a "contactless" integrated circuit, such as those
`
`
`
`complying with ISO 14443, then circuit 14 may also be
`
`
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`accessed while planar member 10 is inserted in cover 30.
`
`
`
`15 It will be appreciated that while it is preferred to
`
`
`
`include a protective cover 30 with the planar member 10,
`
`
`
`that the present invention includes a tri-format device
`
`that does not feature such a removable protective cover.
`
`The cover 30, when it is used, is removable and many
`
`
`
`20 different embodiments of the invention can optionally
`
`utilize a removable cover, such as cover 30.
`
`
`
`Reference will now be made to Figure 5A to explain how
`
`chips with contacts called "contact chips" can be read with
`
`
`
`simple spindle modification. The illustrated structure
`
`
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`25 design allows reading the chip circuits while the card is
`
`
`
`spinning. The key notch is representative of an alignment
`
`system that aligns the cards circuit leads with the CDROM's
`
`spindle leads and they connect to the platter leads which
`
`
`
`in turn are connected to the computer circuitry. The notch
`
`
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`30 can be spring loaded allowing non-notched CDs to be used.
`
`
`
`In Figure 5A, the following reference numerals refer to the
`
`
`
`
`
`corresponding structures:
`
`100 card with smart chip and DVD technology
`
`102 IC chip
`
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`- 13 -
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`103 contact leads
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`104 set groove which matches to spindle notch
`
`106 contact reader platter which will be read by
`contact points under platter
`
`108 contact needle under platter that reads from
`spinning platter contact points
`
`5
`
`110 contacts on CD spindle
`
`112 enlarged CD spindle
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`114 set notch to match with card groove
`
`
`
`Reference will now be made to Figure SB, which should
`
`
`
`be considered in tandem with Figure SA, to alternatively
`
`
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`10 explain how the card contacts would be aligned with the
`
`
`
`laser reading the cards data, determining its position on
`
`the disc and hence discs position relative to the contacts.
`
`The CDROM laser locates, assisted with software, the
`
`matched position of the cards contact leads and the spindle
`
`
`
`15 contacts. Once matched, the reader locks the card
`
`
`
`position, aligning contacts with the spindle contacts.
`
`
`
`This completes the circuit. The signal is sent through the
`
`
`
`leads to the stationary platter contacts, located above or
`
`
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`
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`below the spindle, then back and forth through the card
`
`20 through the platter which is connected to the computer
`
`
`
`circuits. This structures illustrated in Figures SA and SB
`
`
`
`can be oriented with either the top or the bottom of the
`
`
`
`numerals spindle. In Figure SA, the following reference
`
`
`
`
`
`refer to the corresponding structures:
`
`25
`
`120 card with smart chip and DVD technology
`
`122 IC chip
`
`123 contact leads
`
`124 set groove which matches to spindle notch
`
`126 spindle contacts
`
`30
`
`128 spring loaded notch key that will align with card
`
`alignment notch
`
`130 contacts leads
`
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`- 14 -
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`132 stationary contact platter above or below spindle
`
`
`with circular contact points that will align and
`
`make contact with spindle contact leads
`
`In addition to the device that may be used to increase
`
`
`
`security in computer based transactions, the present
`
`
`
`5 invention also includes a system that may be used to reduce
`
`This system works
`fraud in a computer based transaction.
`
`
`
`by the transmission of information contained in the
`
`
`
`
`
`datasets to a receiving computer system, and the collection
`
`
`
`of confirmatory user data which is also transmitted to the
`
`
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`
`
`10 receiving computer system. The receiving computer system
`
`
`
`
`
`then compares the confirmatory user data to standards
`
`
`
`contained in the datasets to verify the authorization of
`
`
`
`
`
`the user to make the transaction. If the confirmatory user
`
`
`
`data matches the standards, authorization is confirmed and
`
`
`
`
`
`15 the transaction is allowed to proceed, otherwise the
`
`
`
`transaction is refused.
`
`
`
`In the preferred embodiment of the system, depicted in
`
`
`
`
`
`
`
`Figure 6, the transaction is a financial transaction of a
`
`
`
`
`
`credit or debit type. To make the transaction the card is
`
`
`
`20 inserted into a means for accessing the data, as shown in
`
`
`
`the means may be the box 40. In a preferred embodiment,
`
`
`
`
`
`user's personal computer, although a proprietary reader,
`
`
`
`
`
`
`
`merchant computer system, or a proprietary card reader can
`
`be used, along with any other means that may perform the
`
`
`
`25 necessary functions. The user must then input information,
`
`
`
`as shown in box 42, to allow the means to compare the input
`
`
`
`information to information contained in the datasets. In
`
`
`
`
`
`
`
`the preferred embodiment, this information is one or more
`
`
`
`
`
`
`
`personal identification codes (associated
`with the
`
`
`
`
`
`
`
`
`
`30 independent datasets), which are entered into the means for
`
`accessing
`the data. After the means receives the personal
`
`
`
`identification codes, it verifies them and compares the
`
`
`
`data in the datasets to data contained in the card� which
`
`
`
`IPR2022-01239
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`
`- 15 -
`
`in one or more of the data-containing
`may be contained
`
`
`
`structur�s of the card, as shown in box 44. Preferably,
`
`
`
`the comparison data is contained in at least two of the
`
`
`
`
`
`
`
`data-containing structures of the card, to allow for an
`
`
`
`5 additional comparison to be made between the data sets. If
`
`
`
`
`
`the compared user input and the data do not match, the
`
`
`
`transaction is refused, as shown in box 46.
`
`
`
`The means for accessing the data preferably further
`
`
`
`
`
`includes a means for obtaining confirmation of user
`
`
`
`10 physically identifying data. The means may be a digital
`
`
`
`camera for taking a digital image, a camera for taking a
`
`
`
`photographic image, a means for reading a
`
`
`fingerprint, or
`
`any other means by which a machine can
`collect unique
`