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BRPI0509496A - sistema de verificação de transação eletrÈnica, e, método de verificar a identidade de uma pessoa tentando apresentar uma ficha de transação, e a condição de uma conta contra a qual a ficha de transação é aplicada - Google Patents

sistema de verificação de transação eletrÈnica, e, método de verificar a identidade de uma pessoa tentando apresentar uma ficha de transação, e a condição de uma conta contra a qual a ficha de transação é aplicada

Info

Publication number
BRPI0509496A
BRPI0509496A BRPI0509496-8A BRPI0509496A BRPI0509496A BR PI0509496 A BRPI0509496 A BR PI0509496A BR PI0509496 A BRPI0509496 A BR PI0509496A BR PI0509496 A BRPI0509496 A BR PI0509496A
Authority
BR
Brazil
Prior art keywords
transaction
data
account
sheet
biometric data
Prior art date
Application number
BRPI0509496-8A
Other languages
English (en)
Inventor
Joan Tibor Mcneal
Original Assignee
Solidus Netwoks Inc D B A Pay
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Solidus Netwoks Inc D B A Pay filed Critical Solidus Netwoks Inc D B A Pay
Publication of BRPI0509496A publication Critical patent/BRPI0509496A/pt

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/20—Point-of-sale [POS] network systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/26—Debit schemes, e.g. "pay now"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/12—Accounting
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/10—Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
    • G06V40/12—Fingerprints or palmprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06V—IMAGE OR VIDEO RECOGNITION OR UNDERSTANDING
    • G06V40/00—Recognition of biometric, human-related or animal-related patterns in image or video data
    • G06V40/30—Writer recognition; Reading and verifying signatures
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/37—Individual registration on entry or exit not involving the use of a pass in combination with an identity check using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/04—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by paper currency

Landscapes

  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Human Computer Interaction (AREA)
  • Computer Security & Cryptography (AREA)
  • Multimedia (AREA)
  • Technology Law (AREA)
  • Marketing (AREA)
  • Economics (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Development Economics (AREA)
  • Collating Specific Patterns (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Credit Cards Or The Like (AREA)
  • Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)

Abstract

SISTEMA DE VERIFICAçãO DE TRANSAçãO ELETRÈNICA, E, MéTODO DE VERIFICAR A IDENTIDADE DE UMA PESSOA TENTANDO APRESENTAR UMA FICHA DE TRANSAçãO, E A CONDIçãO DE UMA CONTA CONTRA A QUAL A FICHA DE TRANSAçãO é APLICADA Um sistema de verificação de transação eletrónica para uso com fichas de transação tais como cheques, cartões de crédito, cartões de débito, e cartões inteligentes, que junta e transmite informação sobre a ficha de transação e dados biométricos. O sistema preferivelmente tem a habilidade para ler ou varrer informação de transação e conta impressa ou codificada na ficha de transação, codificar digitalmente dados biométricos, varrer carteiras de motorista ou outras carteiras de identidade, e levar uma assinatura de um cliente, tudo em um local de transação para propósitos de verificação de conta. O sistema de verificação de transação eletrónica preferivelmente digitaliza vários indícios da ficha, tais como a linha de tinta magnética (MICR) sobre um cheque apresentado ou a tira magnética em um cartão de crédito ou cartão de débito, e transmite os dados de informação de transação a um sistema central, ao qual o sistema central compara os dados introduzidos com um banco de dados existente de informação para determinar se o cliente no ponto da transação está realmente autorizado a usar a conta, e se a conta está em condição satisfatória para aprovação da transação. O sistema de verificação eletrónica inclui um dispositivo de dados biométricos para gravar e/ou transmitir dados biométricos tomados no ponto da transação. O dispositivo alternativamente imprime os dados biométricos no, ou junto com a ficha, tanto na forma real ou digitalmente codificada, tal que os dados biométricos possam ser verificados subseqüentemente contra um banco de dados na hora que a ficha é processada em uma instituição financeira. O sistema alternativamente inclui um dispositivo para varrer um cartão de informação que contém dados biométricos tais como uma impressão digital - e/ou assinatura correta, e os dados juntados remotamente podem ser comparados aos dados gravados no cartão, além de ou em vez de transmissão dos dados juntados aos bancos de dados eletrónico, biométrico e de assinatura.
BRPI0509496-8A 2004-04-01 2005-04-01 sistema de verificação de transação eletrÈnica, e, método de verificar a identidade de uma pessoa tentando apresentar uma ficha de transação, e a condição de uma conta contra a qual a ficha de transação é aplicada BRPI0509496A (pt)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US10/816,037 US7231068B2 (en) 1998-06-19 2004-04-01 Electronic transaction verification system
PCT/US2005/011147 WO2005098741A2 (en) 2004-04-01 2005-04-01 Electronic transaction verification system

Publications (1)

Publication Number Publication Date
BRPI0509496A true BRPI0509496A (pt) 2007-09-11

Family

ID=35125749

Family Applications (1)

Application Number Title Priority Date Filing Date
BRPI0509496-8A BRPI0509496A (pt) 2004-04-01 2005-04-01 sistema de verificação de transação eletrÈnica, e, método de verificar a identidade de uma pessoa tentando apresentar uma ficha de transação, e a condição de uma conta contra a qual a ficha de transação é aplicada

Country Status (10)

Country Link
US (1) US7231068B2 (pt)
EP (1) EP1743276A4 (pt)
JP (2) JP2007531937A (pt)
KR (1) KR101203828B1 (pt)
CN (2) CN102737312A (pt)
BR (1) BRPI0509496A (pt)
CA (1) CA2562964C (pt)
MX (1) MXPA06011427A (pt)
TW (1) TWI366141B (pt)
WO (1) WO2005098741A2 (pt)

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US7231068B2 (en) 2007-06-12
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