Patent ID: 7427033
Filing Date: 2008-09-23
Classification: G06F,G06Q,G07F,H04L

Abstract:
1. A card device for enabling use of an account to complete financial transactions, the card device comprising: one or more mediums on which a plurality of alphanumeric values are held for use in enabling a user of the card device to be authorized to use the account, the plurality of alphanumeric values including (i) a static data set that includes a numeric identifier of the account and a name of the user associated with the account, and (ii) a security code having a value that is time-varying; wherein the one or more mediums include at least (i) a first medium that displays in human-readable form, for anyone who holds the card device, the static data set, and (ii) a second medium that displays the security code; wherein the static data set and the security code are required, and provide all the information necessary from the card device, to enable receipt of authorization for a given financial transaction; and logic for determining the value of the security code based at least in part one of a timing parameter or an event parameter, wherein the logic determines the value of the security code in a manner that is acceptable to an authorizing agent.