GB2256170A - Integrated circuit card with fingerprint verification. - Google Patents

Integrated circuit card with fingerprint verification. Download PDF

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Publication number
GB2256170A
GB2256170A GB9209605A GB9209605A GB2256170A GB 2256170 A GB2256170 A GB 2256170A GB 9209605 A GB9209605 A GB 9209605A GB 9209605 A GB9209605 A GB 9209605A GB 2256170 A GB2256170 A GB 2256170A
Authority
GB
United Kingdom
Prior art keywords
card
fingerprint
credit card
data
owner
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
GB9209605A
Other versions
GB9209605D0 (en
Inventor
William Robert Brandes
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
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
Priority claimed from GB919109583A external-priority patent/GB9109583D0/en
Application filed by Individual filed Critical Individual
Priority to GB9209605A priority Critical patent/GB2256170A/en
Publication of GB9209605D0 publication Critical patent/GB9209605D0/en
Publication of GB2256170A publication Critical patent/GB2256170A/en
Withdrawn legal-status Critical Current

Links

Classifications

    • 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
    • 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

Abstract

An integrated circuit or smart card stores encoded fingerprint data for verification purposes. The data is input into the card 9 using a biometric reader 1. At the point of use a biometric reader (11, Fig. 2) interfaces with a card reader (13), the result of the comparison being displayed by printer (15). <IMAGE>

Description

ANTI-FRAUD IDENTIFICATION/PAYMENT CARD DEVICE This invention relates to the prevention of fraud in the use of identification or payment cards, the term payment card including credit, debit and charge cards. For simplicity, reference will be made hereinafter to the term credit card although it should be understood that it. includes all the above mentioned types of card.
An object of the invention is to reduce the incidence of credit card fraud in the particular case where a person other than the owner of the card has possession of it. It is frequently the case that such a person may attempt to obtain a financial or other advantage by presenting the card and, if necessary, reproducing the signature shown on the card.
According to the present invention there is provided a credit card which includes a device storing data characterising a fingerprint of the owner of the card, such a device being readable by appropriate data reading equipment.
The present invention also provides a method of preventing credit card fraud, the method comprising presenting the above defined card of the invention to a suitable data reading device, the apparent owner of the card then presenting a finger to fingerprint reading apparatus, which apparatus may be integral with the data reading device, the apparatus being arranged to compare the characteristics of the fingerprint with the data read from the credit card in order to verify that the possessor of the card is its rightful owner.
A credit card of the present invention may be the same as or similar to a so-called "smart't card which includes a data storage facility which may be wholly or partly loaded with data characterising a fingerprint.
An advantage of a device and method in accordance with the present invention is that there is no requirement for sophisticated computer storage facilities, possibly remote from the apparatus at the point of use, nor to store details of fingerprints of all card holders. The fingerprint details are stored on the card itself and these are compared directly at the point of use with the appropriate fingerprint of the possessor of the card.
The fingerprint data which is stored on the card is unique to the rightful card owner and it cannot be in any way forged or tampered with. Utilisation is made of biometric techniques to analyse the card holder's fingerprint and to digitally encode unique aspects of this information onto the credit card. Up to a quarter of a million pieces of information may be analysed, digitised and converted to a unique mathematical characterisation. This does not entail the recording of a full fingerprint. It is only necessary to record a selection of pieces of information sufficient to provide uniqueness.
It is not possible to print out this data as hard copy. A feature of the method of the present invention is that the data is not committed to any sort of computer memory or data base.
The present invention will now be described, by way of example only, with reference to the accompanying drawings in which: Figure 1 shows diagramatically the use of the present invention at the point of issue of the credit card; and Figure 2 shows diagramatically the use of the present invention at the point of a sale.
Referring to Figure 1 of the accompanying drawings, a typical installation in, for instance, a bank or building society comprises a biometric reader 1 connected or interfaced to a magnetic card reader/encoder 3 and a keyboard/VDU 5 by means of interface electronics 7.
The card holder is issued with a credit card 9 which is encoded with fingerprint data at the point of issue, the card holder's fingerprint being read, as indicated in Figure 1, by means of the biometric reader 1. In other words the card holder presents himself at his local issuing branch whereupon the live data will be read into the system by placing the forefinger onto the biometric reader 1. This data is automatically encoded onto the credit card 9 by the card encoder 3.
At the same time all other relevant data can be entered via the keyboard 5 and encoded on the card in the same way. All encoded data is then verified and the card is issued.
Referring now to Figure 2 of the accompanying drawings, a typical point of sale system comprises a biometric reader 11 interfaced to an online card reader 13 and receipt and transaction printer 15, the latter providing written confirmation of an "accept" or "deny" as a result of the biometric comparison as well as that of the credibility of the transaction being performed.
The card holder is required to place his forefinger on the biometric reader 11 in order to obtain data from the live finger which can be compared automatically with the data read from the card 17 by the card reader 13. The equipment includes interface electronics 19 which interfaces the above mentioned devices with cash till and keyboard 21.
The biometric reader 1 is arranged so that it will only read a "live" finger which exhibits warmth and detectable blood pressure, detectors being fitted in the equipment for this purpose.

Claims (7)

  1. l. A credit card which includes a device storing data characterising a fingerprint of the owner of the card, such a device being readable by appropriate data reading equipment.
  2. 2. A credit card according to claim 1, the credit card being in the form of a "smart" card.
  3. 3. A method of preventing credit card fraud, the method comprising presenting a credit card, as defined in claim 1 or claim 2, to a suitable data reading device, the apparent owner of the card then presenting a finger to fingerprint reading apparatus, the apparatus being arranged to compare the characteristics of the fingerprint with the data read from the credit card in order to verify that the possessor of the card is its rightful owner.
  4. 4. A method according to claim 3 in which the data reading device is integral with the fingerprint reading apparatus.
  5. 5. A method according to claim 3 or claim 4 in which use is made of biometric techniques to analyse the card holder's fingerprint in order to produce a card suitable for use in the method.
  6. 6. A credit card according to claim 1 and substantially as herein described.
  7. 7. A method according to claim 3 and substantially as described herein with reference to the accompanying drawings.
GB9209605A 1991-05-02 1992-05-05 Integrated circuit card with fingerprint verification. Withdrawn GB2256170A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB9209605A GB2256170A (en) 1991-05-02 1992-05-05 Integrated circuit card with fingerprint verification.

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GB919109583A GB9109583D0 (en) 1991-05-02 1991-05-02 Anti-fraud identification-credit card device
GB9209605A GB2256170A (en) 1991-05-02 1992-05-05 Integrated circuit card with fingerprint verification.

Publications (2)

Publication Number Publication Date
GB9209605D0 GB9209605D0 (en) 1992-06-17
GB2256170A true GB2256170A (en) 1992-12-02

Family

ID=26298829

Family Applications (1)

Application Number Title Priority Date Filing Date
GB9209605A Withdrawn GB2256170A (en) 1991-05-02 1992-05-05 Integrated circuit card with fingerprint verification.

Country Status (1)

Country Link
GB (1) GB2256170A (en)

Cited By (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2290053A (en) * 1994-06-09 1995-12-13 Jelm Limited Fingerprint validation of security card user.
WO1996005576A1 (en) * 1994-08-10 1996-02-22 Prima Officina Carte Valori Turati Lombardi & C.S.P.A. Credit document connected to a document or customised card, independent customised credit card and associated issuance and validation equipment
US5509083A (en) * 1994-06-15 1996-04-16 Nooral S. Abtahi Method and apparatus for confirming the identity of an individual presenting an identification card
WO1997015032A1 (en) * 1995-10-13 1997-04-24 Prima Officina Carte Valori Turati Lombardi E C. S.P.A. System for the safe authentication and management of registered credit instruments and documents
GB2313944A (en) * 1996-06-07 1997-12-10 Don Gerard Rohan Jayamanne Card with an individual's fingerprint
GB2318438A (en) * 1996-10-17 1998-04-22 David John Jones Identity verification
DE19645937A1 (en) * 1996-11-07 1998-05-14 Deutsche Telekom Ag Authorised user control method for telecommunications device
WO2000046770A1 (en) * 1999-02-08 2000-08-10 Pulse Systems, Inc. System and method for evaluating a document and creating a record of the evaluation process and an associated transaction
WO2001006447A1 (en) * 1999-07-15 2001-01-25 Veridicom, Inc. Multi-dimensional fingerprint minutia data constellation
WO2001006445A1 (en) * 1999-07-15 2001-01-25 Precise Biometrics Ab Method and system for fingerprint template matching
WO2001069514A2 (en) * 2000-03-15 2001-09-20 Emedicalfiles, Inc. Web-hosted healthcare medical information management system
GB2362743A (en) * 2000-05-23 2001-11-28 John Ward Inhibiting fraudulent transactions
GB2382207A (en) * 2001-11-19 2003-05-21 Muhammad Alhamdani Fingerprint recognition
US6591249B2 (en) * 2000-03-26 2003-07-08 Ron Zoka Touch scan internet credit card verification purchase process
WO2004010372A1 (en) * 2002-07-24 2004-01-29 Banque-Tec International Pty Ltd Biometric smartcard system and method of secure transmission
GB2408235A (en) * 2002-12-20 2005-05-25 Motorola Inc Portable smartcard reader/writer with user authentication
US7118024B1 (en) 1999-06-10 2006-10-10 Nec Corporation Electronic data management system
US7533828B2 (en) 2000-02-16 2009-05-19 Ong Yong Kin Michael Electronic credit card—ECC
US8322606B2 (en) 2000-02-16 2012-12-04 Ong Yong Kin Michael Electronic credit card—ECC
US8358783B2 (en) 2008-08-11 2013-01-22 Assa Abloy Ab Secure wiegand communications
US10452877B2 (en) 2016-12-16 2019-10-22 Assa Abloy Ab Methods to combine and auto-configure wiegand and RS485

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1982003286A1 (en) * 1981-03-18 1982-09-30 Bo Loefberg Data carrier
GB2185937A (en) * 1986-01-11 1987-08-05 Shea Michael Anthony O Credit card
US4944021A (en) * 1984-04-18 1990-07-24 Nec Corporation Identification system employing verification of fingerprints
WO1990012371A1 (en) * 1989-04-13 1990-10-18 Personnel Identification And Entry Access Control, Incorporated Finger profile identification system
WO1991006920A1 (en) * 1989-11-02 1991-05-16 Tms, Incorporated Non-minutiae automatic fingerprint identification system and methods

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1982003286A1 (en) * 1981-03-18 1982-09-30 Bo Loefberg Data carrier
US4944021A (en) * 1984-04-18 1990-07-24 Nec Corporation Identification system employing verification of fingerprints
GB2185937A (en) * 1986-01-11 1987-08-05 Shea Michael Anthony O Credit card
WO1990012371A1 (en) * 1989-04-13 1990-10-18 Personnel Identification And Entry Access Control, Incorporated Finger profile identification system
WO1991006920A1 (en) * 1989-11-02 1991-05-16 Tms, Incorporated Non-minutiae automatic fingerprint identification system and methods

Cited By (31)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2290053A (en) * 1994-06-09 1995-12-13 Jelm Limited Fingerprint validation of security card user.
GB2290053B (en) * 1994-06-09 1998-03-25 Jelm Limited Improvements in or relating to credit cards and other types of authorisation cards
US5509083A (en) * 1994-06-15 1996-04-16 Nooral S. Abtahi Method and apparatus for confirming the identity of an individual presenting an identification card
WO1996005576A1 (en) * 1994-08-10 1996-02-22 Prima Officina Carte Valori Turati Lombardi & C.S.P.A. Credit document connected to a document or customised card, independent customised credit card and associated issuance and validation equipment
US6010068A (en) * 1994-08-10 2000-01-04 Nadir Technology Company Limited Credit document connected to a document or customized card, independent customized credit card and associated issuance and validation equipment
WO1997015032A1 (en) * 1995-10-13 1997-04-24 Prima Officina Carte Valori Turati Lombardi E C. S.P.A. System for the safe authentication and management of registered credit instruments and documents
GB2313944A (en) * 1996-06-07 1997-12-10 Don Gerard Rohan Jayamanne Card with an individual's fingerprint
GB2318438A (en) * 1996-10-17 1998-04-22 David John Jones Identity verification
DE19645937A1 (en) * 1996-11-07 1998-05-14 Deutsche Telekom Ag Authorised user control method for telecommunications device
DE19645937B4 (en) * 1996-11-07 2007-10-04 Deutsche Telekom Ag Method and system for person-dependent control of a telecommunications terminal
US6341169B1 (en) 1999-02-08 2002-01-22 Pulse Systems, Inc. System and method for evaluating a document and creating a record of the evaluation process and an associated transaction
WO2000046770A1 (en) * 1999-02-08 2000-08-10 Pulse Systems, Inc. System and method for evaluating a document and creating a record of the evaluation process and an associated transaction
US7118024B1 (en) 1999-06-10 2006-10-10 Nec Corporation Electronic data management system
WO2001006447A1 (en) * 1999-07-15 2001-01-25 Veridicom, Inc. Multi-dimensional fingerprint minutia data constellation
WO2001006445A1 (en) * 1999-07-15 2001-01-25 Precise Biometrics Ab Method and system for fingerprint template matching
US6681034B1 (en) 1999-07-15 2004-01-20 Precise Biometrics Method and system for fingerprint template matching
US7299360B2 (en) 1999-07-15 2007-11-20 Precise Biometrics Method and system for fingerprint template matching
US8322606B2 (en) 2000-02-16 2012-12-04 Ong Yong Kin Michael Electronic credit card—ECC
US7533828B2 (en) 2000-02-16 2009-05-19 Ong Yong Kin Michael Electronic credit card—ECC
WO2001069514A2 (en) * 2000-03-15 2001-09-20 Emedicalfiles, Inc. Web-hosted healthcare medical information management system
WO2001069514A3 (en) * 2000-03-15 2003-01-16 Emedicalfiles Inc Web-hosted healthcare medical information management system
US6591249B2 (en) * 2000-03-26 2003-07-08 Ron Zoka Touch scan internet credit card verification purchase process
GB2362743A (en) * 2000-05-23 2001-11-28 John Ward Inhibiting fraudulent transactions
GB2382207A (en) * 2001-11-19 2003-05-21 Muhammad Alhamdani Fingerprint recognition
WO2004010372A1 (en) * 2002-07-24 2004-01-29 Banque-Tec International Pty Ltd Biometric smartcard system and method of secure transmission
GB2408235B (en) * 2002-12-20 2005-09-21 Motorola Inc Secure smartcard system and method of operation
GB2408235A (en) * 2002-12-20 2005-05-25 Motorola Inc Portable smartcard reader/writer with user authentication
US8358783B2 (en) 2008-08-11 2013-01-22 Assa Abloy Ab Secure wiegand communications
US8923513B2 (en) 2008-08-11 2014-12-30 Assa Abloy Ab Secure wiegand communications
US8943562B2 (en) 2008-08-11 2015-01-27 Assa Abloy Ab Secure Wiegand communications
US10452877B2 (en) 2016-12-16 2019-10-22 Assa Abloy Ab Methods to combine and auto-configure wiegand and RS485

Also Published As

Publication number Publication date
GB9209605D0 (en) 1992-06-17

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Legal Events

Date Code Title Description
WAP Application withdrawn, taken to be withdrawn or refused ** after publication under section 16(1)