Classifications

• • G—PHYSICS
  • G06—COMPUTING; CALCULATING OR COUNTING
  • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
  • G06K17/00—Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
• • 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
  • G06Q20/30—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
  • G06Q20/40145—Biometric identity checks
• • 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

Definitions

• U.S. Pat. No. 4,614,861 to Pavlov et al. describes a unitary, self-contained card which does not require interaction with a fixed terminal device to prevent monitoring of confidential information contained within the card.
• the unitary, self-contained card according to this patent has the ability to verify a personal identification number which is entered directly into the card by way of a keyboard without the use of an outside terminal. Once a code is verified, a transaction identification code is produced which varies for each transactional use of the card and which can later be verified to determine the validity of the transaction.
• the card is capable of storing issue and expiration dates, credit limit balances and other card transactional data.
• the card can be used in conjunction with a validation system with provisions for verifying information recorded on the magnetic indicia of the card.
• the card can also be used with peripheral devices which function to verify the validity of the transaction from the transaction identification code.
• Drexler et al. describes in U.S. Pat. No. 5,457,747 a system for deterring fraudulent use of wallet-size cards in local benefit dispensing terminals.
• the system according to Drexler et al. has a permanent data storage medium and a temporary data storage medium disposed on each card.
• a first card writing device has means for acquiring biometric information from a person and for writing a template of that information on the permanent storage medium.
• a verification terminal has similar means for acquiring biometric information from a possessor of the card, and also has a means for reading the biometric information from the permanent storage medium of the card.
• the verification terminal Upon inputting biometric information from both the card and the possessor of the card, the verification terminal compares the information, and, if they match, writes data allowing limited benefits on the temporary data storage medium of the card. This data can be read by a plurality of existing benefit dispensers at other locations, such as automated teller machines, which can then dispense benefits authorized by the data.
• the 3 limitation on benefits and the required repeated verification enhances security of the cards and the benefit dispensing system.
• a charge/data card utilizable upon authentication by the card owner, the charge/data card comprising (a) a first data storage medium being for storing information including stored biometric identification information of the card owner; (b) a second data storage medium capable of being written repeatedly; and (c) a verification assembly including (i) a power source for powering the verification assembly; (ii) a biometric verification interface for inputting temporary biometric identification information, the temporary biometric information being stored in the second data storage medium; and (iii) a processor for comparing the stored biometric information and the temporary biometric information, such that in the case of a positive match, the processor authorizes use of the charge/data card.
• a method for authorizing card use to a charge/data card holder comprising the step of (a) acquiring biometric identification information from the charge/data card holder and storing the biometric identification information in a first storage medium of the charge/data card; (b) comparing the stored biometric identification information with subsequently acquired biometric identification information acquired via a biometric verification interface included in or on the charge/data card; and (c) if the stored biometric information and the subsequently acquired biometric information positively match, authorizing use of the charge/data card.
• step (c) of the above method is effected by a processor included in the charge/data card. 4
• the stored biometric identification information is inputted into the charge/data card via the biometric verification interface.
• the processor authorizes use of the charge/data card for a limited time period.
• the processor authorizes use of the charge/data card only in limited types of transaction. According to still further features in the described preferred embodiments the processor authorizes use of the charge/data card up to a limited charge amount.
• the first and the second storage media are each individually selected from the group consisting of a magnetic stripe, an optical recording and a memory chip.
• the stored and the temporary biometric identification information are each selected from the group consisting of a fingerprint, a retina scan, a voice print and a signature.
• the first and the second storage media are a single storage medium.
• the present invention successfully addresses the shortcomings of the presently known configurations by providing an anti-fraud charge/data card which includes a verification assembly for granting use only to a legitimate owner of the card.
• FIG. 1 is a perspective view of the anti-fraud charge/data card of the present invention.
• the present invention is of an anti fraud charge/data card which includes a verification system which can be used to authorize use of the card only to a legitimate card holder.
• the present invention can be used to enable a legitimate charge/data card holder limited or unlimited use of the charge/data card by acquiring biometric information from the charge/data card holder and comparing this biometric identification information with a similar type of biometric identification information permanently stored within the card.
• charge/data card refers to any card capable of performing credit transaction or payment, such as but not limited to, credit cards, debit cards, membership cards and any personal identification/authentication card which entitles the holder to benefits or access.
• a charge/data card may include any element for interfacing with a card reader, such as, but not limited to, magnetic or optic stripes, and/or any other data ports.
• the charge/data card of the present invention is similar in shape, size and thickness to a standard wallet size credit card.
• biometric identification information includes individual characteristics such as a fingerprint or fingerprints, a 6 voice-print, a retinal scan or a signature which are unique to the individual from which the information was acquired.
• Figure 1 illustrates the anti-fraud charge/data card of the present invention, which is referred to hereinbelow as card 10.
• Card 10 includes a first data storage medium 12 which serves for permanently storing information including biometric identification information of the card owner which is preferably written in a compressed or a template form. Such information can be inputted into the card by the card supplier, or alternatively by the card holder using the biometric verification interface described hereinbelow.
• Storage medium 12 can also serve for storing additional information of the card holder such as bank account number, and the like which can be accessed by, for example, an interfacing card reader terminal, when the card is in use.
• Storage medium 12 may be an optic or a magnetic stripe which can be written by a magnetic or a laser recording device, and read by the same or another device in order to retrieve the stored information.
• Storage medium 12 may be a non-erasable memory such as a semiconductor chip which is recorded in a programmable read only memory (PROM). Any other medium which can store moderate to large amount of information in a thin area which can be written upon and later retrieved can be used as the storage medium 12.
• storage medium 12 can be written or read directly, such as the case with a magnetic or optic stripe, or alternatively, and in the case of, for example, a semiconductor chip, storage medium 12 can communicate with data ports provided in or on card 10 so as to enable a suitable card reader provided with similar ports to read information from and/or write information into, data storage medium 12.
• Storage medium 12 can be divided into various storage regions for separately storing the biometric identification information and the other personal information described above, such that a card reader terminal, for example, can only access the stored personal information and not the biometric identification information, an example of such a storage medium suitable for use with charge/data cards is described in U.S. Pat. No. 4,683,371 which is incorporated herein by reference.
• Card 10 further includes a second data storage medium 14 which is capable of being written repeatedly and which serves for temporarily 7 storing biometric information acquired from the card holder as is further detailed hereinunder.
• storage medium 14 is preferably a read write capable storage device such as, but not limited to, a random access memory (RAM) chip.
• RAM random access memory
• Card 10 of the present invention further includes a verification assembly 16 which serves to verify the identity of the card holder.
• Verification assembly 16 includes a power source 18 for powering assembly 16.
• a power source is preferably a miniature battery of a size and thickness suitable for implementation into card 10.
• An example to a suitable power source 18 is described in U.S. Pat. No. 5,652,043, which teaches a thin layer flexible battery, the teachings of U.S. Pat. No. 5,652,043 are incorporated herein by reference.
• Verification assembly 16 further includes a biometric verification interface 20 which is in communication with data storage medium 14.
• Interface 20 enables a card holder to record biometric identification information into data storage medium 14, in which, the recorded information is stored, preferably temporarily.
• Interface 20 can include any device capable of recording biometric identification information which can be devised thin enough so as to be integrated into card 10.
• interface 20 can include a miniature and flat microphone, such as, for example, those microphones used in hearing aid devices, or that microphone described in U.S. Pat. No. 5,490,220, which is incorporated herein by reference, which can record a voice-print to be stored in data storage medium 14.
• interface 20 can include a miniature camera for recording a retinal image. Such a camera is preferably based on planar optics technology and compatible CCD devices so as to fit the thin and planar nature of card 10.
• Interface 20 can still alternatively include a miniaturized touch screen, which is planar by nature, for recording an electronic signature or a finger print, the use of digitally encoded finger print information for biometric identification is described in, for example, U.S. Pat. No. 5,053,608 which is incorporated herein by reference. Further details relating to biometric features analysis, including hand and face geometry can be found in Biometricgroup.com and biometric.ca, the data contained in both of which is incorporated herein by reference.
• Assembly 16 further includes a processor 22 which serves to process the stored and temporarily acquired biometric identification information.
• Processor 22 is in communication with data storage media 12 and 14 such that biometric information stored thereby is made available to processor 22.
• Processor 22 serves for comparing the biometric identification information stored in data storage medium 12 with the biometric identification information acquired from the card holder and temporarily stored in data storage medium 14. It will be appreciated that in order to effect this comparison, processor 22 must be provided with a suitable software program which is preferably stored in a memory chip of processor 22. Such a software program would enable processor 22 to compare the biometric identification information stored in data storage media 12 and 14 for matching characteristic parameters thereof. For example, if the biometric information is a voice print, the frequency, pitch and/or waveform of the voice print can be compared by processor 22. Techniques of voice verification have been extensively described in, for example, U.S. Pat. Nos.
• the authorization code may allow use that is limited in amount, limited in time, limited in form, limited in geography, limited in the type of interfacing readers, for example allowing a credit card to 9 interface with ATM machines but not credit card readers, or have a combination of these limits.
• an activation code may only allow benefits to be dispensed from a local benefit dispenser for a day, a week or a month from a starting time.
• the activation code may allow only one hundred dollars to be dispensed, or may allow up to that amount to be dispensed for one month after the time of verification. This limit on the benefits which can be obtained from card 10 before re- verification creates a ceiling on the benefits that can be fraudulently obtained.
• card 10 may be designed to serve several users, such as members of a family, in a fashion similar to that described above for a single user, each of the users being identified by comparison between stored and temporary biometric information. Different limitations and restrictions may apply to different users of a multiusers card 10.
• the present invention describes an anti-fraud charge/data card which contains a verification assembly for verifying the identity of the card holder.
• a charge/data card which includes a verification assembly as described by the present invention is advantageous to both the user and the service or card provider, since such a card does not require a separate stationary or mobile verification assembly, which entails added costs to the card provider and/or holder and which greatly complicates card activation and as such severely detracts from the cards' utility.

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• Engineering & Computer Science (AREA)
• General Physics & Mathematics (AREA)
• Business, Economics & Management (AREA)
• Physics & Mathematics (AREA)
• Theoretical Computer Science (AREA)
• Accounting & Taxation (AREA)
• Strategic Management (AREA)
• General Business, Economics & Management (AREA)
• Finance (AREA)
• Computer Security & Cryptography (AREA)
• Microelectronics & Electronic Packaging (AREA)
• Computer Networks & Wireless Communication (AREA)
• Human Computer Interaction (AREA)
• Credit Cards Or The Like (AREA)
• Collating Specific Patterns (AREA)
• Slot Machines And Peripheral Devices (AREA)
• Pinball Game Machines (AREA)
• Storage Device Security (AREA)

Applications Claiming Priority (3)

Publications (2)

Family

ID=22664780

Family Applications (1)

Country Status (11)

Families Citing this family (13)

Citations (8)

• 2000
  • 2000-12-26 JP JP2001558936A patent/JP2003523020A/ja active Pending
  • 2000-12-26 CN CNA008193703A patent/CN1556965A/zh active Pending
  • 2000-12-26 CA CA002400105A patent/CA2400105A1/en not_active Abandoned
  • 2000-12-26 AU AU2001222164A patent/AU2001222164A1/en not_active Abandoned
  • 2000-12-26 NZ NZ521261A patent/NZ521261A/en unknown
  • 2000-12-26 KR KR1020027010376A patent/KR20030022776A/ko not_active Application Discontinuation
  • 2000-12-26 EP EP00985754A patent/EP1279138A4/de not_active Withdrawn
  • 2000-12-26 WO PCT/IL2000/000860 patent/WO2001059686A1/en not_active Application Discontinuation
  • 2000-12-26 IL IL15117900A patent/IL151179A0/xx unknown
  • 2000-12-26 BR BR0017117-4A patent/BR0017117A/pt not_active IP Right Cessation
• 2002
  • 2002-09-09 ZA ZA200207218A patent/ZA200207218B/en unknown

Patent Citations (8)

Non-Patent Citations (1)

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