The document proposes a novel universal loyalty card called uCard that provides enhanced privacy and security compared to existing cards. uCard would allow a user to consolidate various loyalty programs, payment methods, and digital identities into a single card. It describes the basic architecture and interactions of uCard, including how users could subscribe to and unsubscribe from services, update information, and recover from lost or corrupted cards, all while protecting user privacy through encryption.

2. How many cards do we have ? Loyalty Cards Hospital Cards Access Cards Cash Cards Credit Cards Travel Cards Library Cards …… ..etc.

4. Tuesday, September 15, 2009

5. Actors of uCard

6. Forms of uCard Internet Shopping

7. uCard Concept oName = Object Name Public Attribute Names and Values Private Attribute Names and Values Methods to Get and Set Attribute/Value oName = uCard A- StorePointCD=A12331f B- StoreID=BBB123ws523 ………… . S-eCashID=ee242wrw423 D-BusTcktID=234oiss3423 …………… getValue(AttributeName) setValue(AttribName, Value)

10. Interactions of uCard Communication Cards (Prepaid Phone, etc.) Banking Cards Retail Cards (Loyalty, Point, etc.) Health Cards (Hospitals, Pharmacy, etc.) Membership Cards (Library, Sports Club, etc.) Government Cards Transport Cards ( Bus Card, Train Card, etc.) Entertainment Cards Electronic Cash Cards ( Toll Collection, etc.) Access Cards Communicate Tag uCard External Readers

14. Schematic Structure of uCard Entity U-Used N-Not Used L-Locked A-Public Entity B-Private Entity

17. Update of Password, User PIN1, User PIN2 and Master PIN uCard When Receiving a New Card oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” Ins= 00 , U. Pwd =“ S234GH ”, OldValue=“ 430111 ”, NewValue =“ QW28P3 ” Response= NewValue/Fail Interrogator If Ins=00 NewValue = new master PIN to be updated If Ins=11 NewValue = new user password to be updated If Ins=10 NewValue = new PIN1 to be updated If Ins=01 NewValue = new PIN2 to be updated 2

21. Recovering Locked Cards 6

22. uCard oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” U.Pwd =“ S234GH ”, MasterPIN=“ QW28P3 ”, Reset PIN1 and PIN2 Response= Success/Fail Interrogator When Card get Locked Recovering Locked Cards 6

24. Inserting an Entity uCard When Subscribing a Service offered by SP oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” Ins= 111 , Seq.No=?, SP.Pwd=“ 56f67ho ”, SP.Name=“ JUSCO ”, SP.Code=“ Dt64GH ” Response= Seq.No/Fail Interrogator Ins=111 SP.Pwd, SP.Name, SP.Code will be written to the uCard 8

25. Update of SP.Pwd, SP.Name and SP. Code uCard oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” Ins= 100 , Seq.No, SP.Pwd=“ 56f67ho ”, SP.Name, SP.Code Response= Seq.No/Fail Interrogator If Ins=100 SP.Pwd will be updated If Ins=010 SP.Name will be updated If Ins=010 SP.Code will be updated When Changing SP’s Fields Individually 9

27. Unsubscribing Services of SP uCard oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” Response= Success/Fail Interrogator Ins= 0 , Seq.No, SP. Name, U.Pwd, PIN2 Select List of (Seq.No?, SP.Name?, O.Status?), U.Pwd, PIN2 Display List of Seq.Nos, SP.Names and O.Statuses Deleting an entity of a SP If Ins=0 selected entity will be deleted If Ins=1 selected entity will be enabled 10

29. uCard Reading Subscription of SP oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” Seq.No, SP.Pwd, SP.Name, SP.Code? SP.Code =“ B1234235 ” Interrogator Using Subscribed Services of SP 12

30. Encrypted Reading of SP.Code uCard oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” ID T { ID T, N T , Seq.No, SP.Pwd, SP.Name, SP.Code? } K PRV ID I {ID I ,N I , SP.Code =“ B1234235 ” } K PRV Interrogator Initial {Initial, N I , ID I , ID T } K PRV ID I { ID I , N I , N T } K PRV When providing services of SP Using Subscribed Services of SP 12

34. Thank you. Q & A

36. Sequence 2Bits Service Providers' Code (16 Bits) 2 Digits&4 Characters Nonce Generator, Encryption and Decryption Module, Processing Module and Hard coded Value "Initial" User Password, PIN1 and AnonymousID (random unique number) Occupancy Status 2Bits Access Privilege 2Bits Service Providers' Code 40 Bits (Fragment of Code) Service Providers' 32Bits Attribute Name Master PIN and User PIN2

37. Possible Attributes of an Entity (2/2)

38. Encrypted Communications

39. Encrypted Update of Master PIN, User PIN1, User PIN2 and User Password uCard oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” ID T { ID T, N T , Ins= 00 , U. Pwd =“ S234GH ”, OldValue =“ 430111 ”, NewValue =“ QW28P3 ” ”} K PRV ID I {N I , ID I , Response= NewValue/Fail } K PRV Interrogator Initial {Initial, N I , ID I , ID T } K PRV ID I { ID I , N I , N T } K PRV Ins(Instruction)=00 NewValue contains new master PIN to be updated ID T { ID T, N T , Ins= 11 , U. Pwd =“ S234GH ”, OldValue=“ S234GH ”, NewValue =“ ABC128 ”} K PRV ID T { ID T, N T , Ins= 10 , U. Pwd =“ S234GH ”, OldValue=“ 4301 ”, NewValue =“ 2324 ” } K PRV ID T { ID T, N T , Ins= 10 , U. Pwd =“ S234GH ”, OldValue=“ 1601 ”, NewValue =“ 1624 ” } K PRV Ins(Instruction)=11 NewValue contains new user password to be updated Ins(Instruction)=10 NewValue contains new PIN1 to be updated Ins(Instruction)=01 NewValue contains new PIN2 to be updated 2

40. Encrypted Card Release uCard oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” ID T { ID T, N T , U. Pwd =“ S234GH ”, MasterPIN=“ QW28P3 ”, Reset PIN1 and PIN2 } K PRV ID I {N I , ID I , Response= Success/Fail } K PRV Interrogator Initial {Initial, N I , ID I , ID T } K PRV ID I { ID I , N I , N T } K PRV When Registering/Changing Recovering Locked Cards 6

41. uCard oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” ID T { ID T, N T , Ins= 111 , Seq.No=?, SP.Code=“ f67ho7 ”, SP.Name=“ JUSCO ”, SP.Code=“ Dt64sE88 ”} K PRV ID I {N I , ID I , Response= Seq.No/Fail } K PRV Interrogator Initial {Initial, N I , ID I , ID T } K PRV ID I { ID I , N I , N T } K PRV Encrypted Writing Attributes of an Entity When Subscribing a Service offered by SP Ins(Instruction)=111 SP.Pwd, SP.Name, SP.Code will be written to the uCard 8

42. uCard oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” ID I { N I , ID I , Response= Seq.No/Fail } K PRV Interrogator Initial {Initial, N I , ID I , ID T } K PRV ID I { ID I , N I , N T } K PRV Encrypted Update of SP.Pwd, SP.Name and SP.Code When Changing SP’s Password, Name and Code Ins(Instruction)=100 SP.Pwd , SP.Name, SP.Code will be written to the uCard Ins(Instruction)=010 SP.Pwd, SP.Name , SP.Code will be written to the uCard ID T { ID T, N T , Ins= 100 , Seq.No, SP.Pwd=“ 56f67ho ”, SP.Name, SP.Code} K PRV ID T { ID T, N T , Ins= 010 , Seq.No, SP.Pwd, SP.Name=“ JUSCO ”, SP.Code} K PRV Ins(Instruction)=010 SP.Pwd, SP.Name, SP.Code will be written to the uCard ID T { ID T, N T , Ins= 001 , Seq.No, SP.Pwd, SP.Name, SP.Code=“ Dt64GH } K PRV 9

43. Unsubscribing Services of SP uCard oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” ID I {ID I, N I , Response= Success/Fail } K PRV Interrogator ID T { ID T, N T , Ins= 0 , Seq.No, SP. Name, U.Pwd, PIN2 } K PRV ID T { ID T, N T , Select List of (Seq.No?, SP.Name?, O.Status?), U.Pwd, PIN2 } K PRV ID I {ID I , N I , Display List of Seq.Nos, SP.Names and O.Statuses } K PRV Initial {Initial, N I , ID I , ID T } K PRV ID I { ID I , N I , N T } K PRV Encrypted Deleting of an Entity Ins(Instruction)=0 selected entity will be deleted 10

44. Encrypted Enabling of an Entity uCard Interrogator When a subscription entity get locked Ins(Instruction)=1 selected entity will be enabled Recovering a Locked Entity oName=?, anonymousID=? oName=“uCard” and anonymousID=“1123sdf4323s6R” ID I {N I , ID I , Response= Success/Fail } K PRV ID T { ID T, N T , Ins= 1 , Seq.No, SP. Name, U.Pwd, PIN2 } K PRV ID T { ID T, N T , Select List of (Seq.No?, SP.Name?, O.Status?), U.Pwd, PIN2 } K PRV ID I {ID I , N I , Display List of Seq.Nos, SP.Names and O.Statuses } K PRV Initial {Initial, N I , ID I , ID T } K PRV ID I { ID I , N I , N T } K PRV 13