TECHNOLOGY

The technology consists of a Host and a Card. The Host contains advanced biometric technology consisting of a sensor that when the owner’s finger is pressed against, activates the Card instantly. This is based upon the authentication and verification of hundreds of points on the fingerprint. The actual fingerprint is not stored on the Card or any enrolling device. An account number will be displayed on the Host when activated. The only personal data displayed on the Card is the owner’s name. Additionally, the Host can have an optional photo that appears when authenticated.

All the hardware and software needed for the Card to function is contained in the Host and requires no external databases. The consumer will receive their personalized credit card in the mail. Enrollment may be achieved by one of either two methods. The consumer can go to his/her local bank to be enrolled with the encrypted account number and digitized fingerprint. Similarly, the card member may also self-enroll using the included enrollment device. Just like current credit card activation, simply call a toll free number to authorize and activate the card. This process takes less than a minute to complete. Once the Card is activated, it cannot be copied, tampered with, or modified in any way.

Additional technology provides protection to the consumer when using the Card over the phone or Internet. The Card is programmed to rotate an encrypted pin number after each time the Card is used. If the new pin number in the bank’s computer does not match the new pin number inside the Card, the bank’s computer will reject the transaction.