Lucent Technologies Inc.

At&t Bell Laboratories

Kevin D Murphy

David M Claus

Wanda Green Thompson

Roy S Coutinho

John C Moran

James D Snavley

Kenneth R Zempol

Marjorie E Taylor

A smart card that allows for the categorization of expenses at the time they are incurred and the automatic generation and storage of information concerning the date, payee, and amount of the transaction. A single smart card is utilized to record and categorize transactions as they occur by transaction identities. These transaction identities are business or personal classification, cash, check, or credit card type transactions, and expense categories. The smart card has a alphanumeric display and a keyboard for selecting the class, type, and category. These items are selected by the entry of numbers on the keyboard but textual information is displayed to identify these items in response to the entered numbers. A program in a personal computer is used to specify the class, type, and categories along with the textual information in the smart card via a smart card reader. These specifications correspond to a spreadsheet that has been entered on the personal computer by the user of the smart card. The personal computer loads the textual information defining the class, type, and category into the smart card so that it corresponds to the titles of the entries on the spreadsheet.

Smart card for automatic financial records

A smart card that is responsive to a list of items with individual prices that are received from a point of sale (POS) terminal during an individual transaction to automatically insert these items into expense categories. A personal computer later retrieves these categories and associated information and inserts the information into a spreadsheet. The microprocessor in the smart card relies on stored tables defining commonly used item designations and a table that defines definitions based on an ongoing learning process by the microprocessor in conjunction with the personal computer.

Categorization of purchased items for each transaction by a smart card

A secure toll payment system is realized by transmitting a changeable encryption code from roadside equipment at a toll plaza to a moving vehicle. Thereafter, the moving vehicle uses it to encrypt payment information according to the Data Encryption Standard algorithm. The moving vehicle transmits the encrypted payment information to the roadside equipment which performs a credit or debit transaction. Because the encryption code changes from time to time, so too does the nature of the signal which is transmitted by the vehicle; and fraud, based on electronic eavesdropping, is substantially eliminated. The encryption code comprises an 8-bit random number and a time/date number. Vehicle-mounted apparatus includes a transponder unit and a portable smart card which inserts therein. The roadside equipment includes a pair of spaced-apart antennas that are sequentially located along an express payment lane at a toll plaza and a computer (Plaza Server) which controls them.

Secure toll collection system for moving vehicles

An improved security system, including a protable smart card and a host computer, eliminates the need for the computer to store individual personal identification (ID) numbers for each user seeking access to the computer. Instead, the computer stores a first encryption algorithm E.sub.1 used in converting a particular identification number (ID).sub.n into a secret code S.sub.n for that particular user. S.sub.n also exists within the memory of the smart card having been loaded into its memory at the time of issue. A challenge number C is generated by the computer and transmitted to the smart card. Within the smart card and the computer, microprocessors respond to the challenge number C, the secret code S.sub.n, and a second encryption algorithm E.sub.2 in order to generate response numbers R.sub.n and R.sub.n ' respectively. Thereafter, R.sub.n is transmitted to the computer where it is compared with R.sub.n '. A favorable comparison is necessary for gaining access to the computer.

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Indianapolis, IN, United States of America

Kevin D Murphy