The patent badge is an abbreviated version of the USPTO patent document. The patent badge does contain a link to the full patent document.
The patent badge is an abbreviated version of the USPTO patent document. The patent badge covers the following: Patent number, Date patent was issued, Date patent was filed, Title of the patent, Applicant, Inventor, Assignee, Attorney firm, Primary examiner, Assistant examiner, CPCs, and Abstract. The patent badge does contain a link to the full patent document (in Adobe Acrobat format, aka pdf). To download or print any patent click here.
Patent No.:
Date of Patent:
May. 10, 1977
Filed:
Dec. 29, 1975
Donald E Kinker, North Canton, OH (US);
Diebold, Incorporated, Canton, OH (US);
Abstract
In an on-line banking system including a central computer and at least one remote terminal, a method of an apparatus for verifying that a holder of an identification card is authorized to complete a transaction at the terminal is disclosed. Account number data are machine read from the card, scrambled, and then compared to secret alphanumeric data, keyboard entered by the card holder at the terminal. The secret alphanumeric data are converted to a digital signal, and the signal is converted into first and second signal portions. The first signal portion is compared to the scrambled account number data. If the comparison is positive, the second signal portion, along with keyboard-entered transaction data and account number data, is transmitted to the central computer. Since only the second signal portion of the keyboard-entered secret data is transmitted on-line to the central computer, it is impossible to determine the entire secret data for gaining unauthorized use of the terminal by monitoring the line between the terminal and the central computer. At the central computer, the second signal portion is compared with a reference signal stored on the authorized holder's account and addressed by the account number data. In response to a positive comparison, the central computer authorizes the remote terminal to complete the requested transaction.