06163771 is referenced by 356 patents and cites 21 patents.

A device for facilitating financial account transactions is described which includes a processing unit including a cryptographic processor. The device also includes an input unit, a display unit and a memory device connected to the processing unit. The memory device contains a private cryptographic key, a first data element and a second data element. The processing unit encrypts the first data element using the private cryptographic key and the second data element, modifies the second data element, combines the encrypted first data element and the second data element to generate a single-use financial account identifier, and displays the single-use financial account identifier. This identifier is then transmitted to a central processor for authorization of the transaction. The central processor extracts and decrypts data elements from the transmitted identifier using the private cryptographic key, compares those data elements with data elements stored in a memory, and verifies the single-use financial account identifier in accordance with the comparison.

Title
Method and device for generating a single-use financial account number
Application Number
8/919339
Publication Number
6163771
Application Date
August 28, 1997
Publication Date
December 19, 2000
Inventor
Daniel E Tedesco
Monroe
CT, US
Sanjay K Jindal
Wilton
CT, US
Bruce Schneier
Minneapolis
MN, US
Jay S Walker
Ridgefield
CT, US
Agent
Dean Alderucci
Patrick J Buckley
Assignee
Walker Digital
CT, US
IPC
G06F 17/60
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