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One Shareable Card for All Purposes (OSCAP)
Using Cryptographic Key Framework (AACKL)
US Patent 6954740 and Others Pending
MoneyPins Corp OSCAP is
one card for all your needs. It has barcodes and magnetic strips that can be
read by most bar-code and card readers. OSCAP account can be used as one account
for all cards.
Back/Front
OSCAP Card
Standard Barcode labels printed on OSCAP cards
UPC-A Code 39
OSCAP Cards
Include:
Bank cards (credit and
debit cards), gift cards, loyalty
cards, licenses, membership cards, electronic benefit transfer cards
and others.
OSACP
Advantages:
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Reduced processing costs
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Central processing of customers’ information
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Ease of use
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Reduced marketing costs
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Target marketing and advertisement
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Increased sales
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Customers’ convenience
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Customers’ loyalty
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Reduced check out time at cash registers
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None-repudiation and authentication
OSCAP APLLICATIONS
OSCAP Membership/Loyalty Cards
The OSCAP card contains 2 bar codes and an OSCAP magnetic strip readable at the retail outlets. The barcodes and the magnetic strip contain the OSCAP account number. When a retailer issues a card, he uses the OSCAP account and submits to MoneyPins-OSCAP the application data and the retail account used. When a retailer scans the OSCAP card, they can either use the OSCAP account directly or their internal account number with a combination of a conversion table. The consumers can add multiple retailers’ accounts to their card and MoneyPins-OSCAP system will transfer the membership data to the retailers system. Any consumers update of membership data will be transferred to the retailers in a Moneypins framework encrypted XML/SFF/Delimited file or optionally using PKCS#7.
Electronic Gift Cards
The consumer can use his OSCAP
card to purchase gift amounts from selected retailers. When a consumer performs a purchase,
the merchant inserts the OSCAP card and the consumer can optionally supply an
LTCK (limited time pin).
OSCAP Credit/Debit Cards
Two magnetic
strips in the front of the card can be used for additional two conventional
debit/credit accounts. Each linked additional OSCAP card can contain 4
conventional accounts. Currently banking EMV smartcards are not supported.
Credit Card or Bank Checks Transactions using Mirrored Conventional Accounts
An account holder provides a merchant or a financial organization with an OSCAP
account number, the amount to authorize and a MoneyPins framework LTCK. The
OSCAP account number has its mirrored real account number stored at the card
processing service and real account information is not revealed to the public.
OSCAP Smart Card (Future Release)
OSCAP TRACK DATA
OSCAP BARCODE DATA
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