Presentation instrument security arrangement and methods
A presentation instrument includes a first information encoding region and a second information encoding region. The first information encoding region has a unique characteristic. The first information encoding region stores an account identifier. The second information encoding region has a first security value stored thereon. The first security value relates to the unique characteristic of the first information encoding region.
1 . A presentation instrument, comprising:
a first information encoding region, wherein the first information encoding region has a unique characteristic, the first information encoding region having stored thereon an account identifier;
a second information encoding region having a first security value stored thereon, wherein the first security value relates to the unique characteristic of the first information encoding region.
2 . The presentation instrument of claim 1 , wherein the presentation instrument comprises a selection from the group consisting of credit card, debit card, gift card, smart card, RF-enabled card, fob, a negotiable instrument having magnetic ink character recognition-enabled printing, and three-dimensional object.
3 . The presentation instrument of claim 1 , wherein the first and second information encoding regions comprise the same region.
4 . The presentation instrument of claim 1 , wherein the first and second information encoding regions comprise different regions.
5 . The presentation instrument of claim 1 , wherein the first information encoding region comprises a magnetic encoding region and the unique characteristic comprises a magnetic fingerprint.
6 . The presentation instrument of claim 1 , wherein the second information encoding region comprises a RF-enabled device.
7 . The presentation instrument of claim 1 , wherein the second information encoding region comprises a bar code.
8 . The presentation instrument of claim 1 , wherein the first security value comprises an alphanumerical representation of the unique characteristic.
9 . The presentation instrument of claim 1 , wherein the first security value comprises a pass threshold value relating to an alphanumerical representation of the unique characteristic.
10 . The presentation instrument of claim 1 , wherein the first security value comprises a digital signature produced at least in part from an alphanumerical representation of the unique characteristic.
11 . The presentation instrument of claim 1 , wherein the first security value comprises a selection from the group consisting of the magnetic fingerprint, a key identifier, a pass threshold value, a key check value and at least a portion of an account identifier.
12 . The presentation instrument of claim 11 , wherein the second security value comprises a digital signature, encrypted using an elliptic key from a hash of the first security value.
13 . The presentation instrument of claim 11 , wherein the second security value comprises a digital signature determined using one or more selections from the group consisting of the magnetic fingerprint, the pass threshold value, the key identifier, and at least a portion of a magnetic stripe image.
14 . The presentation instrument of claim 1 , wherein the second information encoding region also has a second security value stored thereon, wherein the second security value relates to the unique characteristic of the first information encoding region.
15 . The presentation instrument of claim 14 , wherein the first information encoding region comprises a magnetic encoding region, the second information encoding region comprises a RF-enabled device, the first security value comprises an alphanumerical representation of the magnetic fingerprint of the magnetic encoding region, and the second security value comprises a digital signature produced at least in part from the alphanumerical representation of the magnetic fingerprint.
16 . The presentation instrument of claim 1 , wherein the first information encoding region comprises a magnetic encoding region, the second information encoding region comprises a bar code, the unique characteristic comprises a magnetic fingerprint, and the first security value comprises an alphanumerical representation of the magnetic fingerprint.
17 . A method of settling a transaction using a presentation instrument, the method comprising:
at a point of sale device, reading an account identifier from a first information encoding region of the presentation instrument;
at the point-of-sale device, sensing a unique characteristic of the first information encoding region;
at the point of sale device, reading a first security value from a second information encoding region, wherein the security value relates to the unique characteristic;
at the point-of-sale device, comparing a representation of the sensed unique characteristic to a representation of the first value; and
approving the transaction based at least in part on the comparison.
18 . The method of claim 17 , wherein the presentation instrument comprises a selection from the group consisting of credit card, debit card, gift card, smart card, RF-enabled card, fob, a negotiable instrument having magnetic ink character recognition-enabled printing, and three-dimensional object.
19 . The method of claim 17 , wherein the first and second information encoding regions comprise the same region.
20 . The method of claim 17 , wherein the first and second information encoding regions comprise different regions.
21 . The method of claim 17 , wherein the first information encoding region comprises a magnetic encoding region and the unique characteristic comprises an alphanumerical representation of a magnetic fingerprint of the magnetic encoding region.
22 . The method of claim 17 , wherein the second information encoding region comprises a RF-enabled device.
23 . The method of claim 17 , wherein the second information encoding region comprises a bar code.
24 . The method of claim 17 , wherein the first security value comprises an alphanumerical representation of the unique characteristic.
25 . The method of claim 17 , wherein the first security value comprises a digital signature relating to an alphanumerical representation of the unique characteristic.
26 . The method of claim 17 , wherein the first security value comprises a digital signature produced at least in part from the alphanumerical representation of the unique characteristic.
27 . The method of claim 17 , further comprising:
sending an authorization request to a host computer system;
receiving a response; and
based at least in part on the response, completing the transaction.
28 . A presentation instrument, comprising:
first means for encoding information, wherein the first means has a unique characteristic, the first means having stored thereon an account identifier;
second means for encoding information, wherein the second means has a first security value stored thereon, wherein the first security value relates to the unique characteristic of the first means.
29 . A method of encoding a presentation instrument, comprising:
sensing a unique characteristic of a first information encoding region of the presentation instrument;
storing an account identifier relating to the presentation instrument on the first information encoding region;
determining a first security value using the unique characteristic; and
storing the first security value on a second information encoding region.
30 . The method of claim 29 , wherein the presentation instrument comprises a selection from the group consisting of credit card, debit card, gift card, smart card, RF-enabled card, fob, a negotiable instrument having magnetic ink character recognition-enabled printing, and three-dimensional object.
31 . The method of claim 29 , wherein the first and second information encoding regions comprise the same region.
32 . The method of claim 29 , wherein the first and second information encoding regions comprise different regions.
33 . The method of claim 29 , wherein the first information encoding region comprises a magnetic encoding region and the unique characteristic comprises a magnetic fingerprint.
34 . The method of claim 29 , wherein the second information encoding region comprises a RF-enabled device.
35 . The method of claim 29 , wherein the second information encoding region comprises a bar code.
36 . The method of claim 29 , wherein determining a first security value using the unique characteristic comprises determining an alphanumerical representation of the unique characteristic.
37 . The method of claim 29 , wherein determining a first security value using the unique characteristic comprises determining a hash value relating to an alphanumerical representation of the unique characteristic.
38 . The method of claim 29 , wherein determining a first security value using the unique characteristic comprises creating a digital signature using at least an alphanumerical representation of the unique characteristic.
39 . The method of claim 29 , further comprising:
determining a second security value relating to the unique characteristic of the first information encoding region; and
storing the second security value on the second information encoding region.
40 . The method of claim 39 , wherein the first information encoding region comprises a magnetic encoding region, the second information encoding region comprises a RF-enabled device, the first security value comprises a magnetic fingerprint of the magnetic encoding region, and the second security value comprises a digital signature produced at least in part from the magnetic fingerprint.
41 . The method of claim 29 , wherein the first information encoding region comprises a magnetic encoding region, the second information encoding region comprises a bar code, the unique characteristic comprises a magnetic fingerprint, and the first security value comprises an alphanumerical representation of the magnetic fingerprint.