Patent ID: 7798416

Claim:
A card device for enabling use of an account to complete financial transactions, the card device comprising: multiple 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 varies based at least in part on a timing parameter; wherein the multiple 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 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 (i) based at least in part on the timing parameter, and (ii) in response to occurrence of one or more events, wherein the logic determines the value of the security code in a manner that is acceptable to an authorizing agent.