Method and system for using optical data cards as portable secure unified platforms for performing a variety of secure on-line transactions

摘要

A method and system for using optical data cards (12) as portable secure unified platforms or as portable secure authentication platforms for performing a variety of secure on-line transactions. Optical data cards (12) are formatted, prepared, issued, and used, with at least one of PKI, challenge response, Kerberos, symmetric key, usr name password, one-time-password, and peripheral device, types of one-line user/transaction authentication protocols, and, preferably, with at least one of SSL ,3DSSL, SET, 3DSET, EMV, PAN, virtual credit or debit card, electronic wallet, prepaid micropayment, home or corporate banking, stocks, bonds, and commidities trading, insurance, heath related, corporate networking, and peripheral device (34), types of secure on-line transaction protocols, for performing the variety of secure on-line transactions. The secure on-line transactions are performed in the area of electronic commerce including payment, banking, stocks, bond, and commodity trading, insurance, and health related applications, in the area of PC security including PC log-on and PC data encryption applications, and, in the area of roaming accessibility including local or remote network log-on applicartions such as accessing an e-mail server, a file server, or a database.