WO1997034252A1 - Nip individuel - Google Patents

Nip individuel Download PDF

Info

Publication number
WO1997034252A1
WO1997034252A1 PCT/US1997/003947 US9703947W WO9734252A1 WO 1997034252 A1 WO1997034252 A1 WO 1997034252A1 US 9703947 W US9703947 W US 9703947W WO 9734252 A1 WO9734252 A1 WO 9734252A1
Authority
WO
WIPO (PCT)
Prior art keywords
credit card
fingerprint
display
reading
authorized user
Prior art date
Application number
PCT/US1997/003947
Other languages
English (en)
Inventor
Alan F. Shugart
Original Assignee
Seagate Technology, Inc.
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 Seagate Technology, Inc. filed Critical Seagate Technology, Inc.
Publication of WO1997034252A1 publication Critical patent/WO1997034252A1/fr

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
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/073—Special arrangements for circuits, e.g. for protecting identification code in memory
    • G06K19/07309—Means for preventing undesired reading or writing from or onto record carriers
    • G06K19/07345—Means for preventing undesired reading or writing from or onto record carriers by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches
    • G06K19/07354—Means for preventing undesired reading or writing from or onto record carriers by activating or deactivating at least a part of the circuit on the record carrier, e.g. ON/OFF switches by biometrically sensitive means, e.g. fingerprint sensitive
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • G06K19/077—Constructional details, e.g. mounting of circuits in the carrier
    • G06K19/07701—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction
    • G06K19/07703—Constructional details, e.g. mounting of circuits in the carrier the record carrier comprising an interface suitable for human interaction the interface being visual
    • 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
    • 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
    • G07C9/26—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 using a biometric sensor integrated in the pass

Definitions

  • the present invention relates to credit cards and, more particularly, to the use of fingerprint technology to identify the authorized user of a credit card.
  • the user of a credit card memorizes a four or five digit personal identification number (PIN) and keys in the number at a card reading machine such as an automated teller machine (ATM) to prove that the user is authorized to use the credit card.
  • PIN personal identification number
  • ATM automated teller machine Due to the increase of credit card fraud, a more foolproof method is needed to identify the authorized user of a credit card.
  • a credit card incorporating therein a fingerprint reader and a display.
  • the credit card of the present invention also includes a microprocessor comprising an electrically erasable programmable read only memory (EEPROM), a random access memory (RAM), and a masked read only memory.
  • EEPROM electrically erasable programmable read only memory
  • RAM random access memory
  • a battery is connected to the computer chip, as are the fingerprint reader and the display.
  • the credit card is issued to a potential user who permits the card to initially "read” his fingerprint.
  • the fingerprint "signature” is stored in the credit card.
  • the display on the credit card displays the message that a Private PIN Number is needed. When the same fingerprint is read again, the display message changes to "PIN # O.K.”.
  • the display stays “O.K.” for a specified period of time and then reverts to the previous message.
  • Card reading machines like ATM are equipped with a display reader to read the display on the credit card.
  • Fig. 1 is a perspective view of an embodiment of a credit card constructed in accordance with the principles of the present invention.
  • Fig. 2 is a plan view of the embodiment of a credit card in accordance with the invention shown in Fig. 1.
  • Fig. 3 is a fragmentary cross-sectional view of the embodiment of a credit card shown in Figs. 1 and 2, illustrating the mounting of a computer chip therein.
  • Fig. 4 is a block diagram of the interconnection of the various electronic elements of the embodiment of a credit card shown in Figs. 1, 2 and 3.
  • Fig. 5 is a diagrammatic outline drawing of an embodiment of a card reading machine in accordance with the invention.
  • Fig. 6 is a flow chart showing method steps involved in employing the credit card of the present invention.
  • the credit card 10 constructed in accordance with the principles of the present invention.
  • the credit card 10 is made of plastic and is similar to conventional credit cards except that it may be slightly thicker to accommodate electronic elements disposed in the interior thereof.
  • the credit card 10 is provided with a fingerprint reader 11 and a display 12.
  • the display 12 may be a liquid crystal display (LCD), or the like.
  • Fingerprint readers are well known. The California Department of Motor Vehicles employs a fingerprint reader identified as a model MINI. II manufactured by Fingermatrix Inc. of Dobbs Ferry, New York. An article surveying fingerprint technology was published in the Los Angeles Times on April 2, 1995.
  • FIG. 3 of the drawings there is shown a fragmentary cross- sectional view of the credit card 10.
  • a recess 15 is molded in the credit card 10.
  • An adhesive layer 16 employing epoxy resin or the like is disposed in the bottom of the recess 15.
  • a computer chip 17 is disposed in the recess 15 and secured by the adhesive layer 16.
  • a printed circuit board (PCB) 18, including printed circuit wiring, is installed in the recess 15 to interconnect the various electronic elements such as the fingerprint reader 11, the display 12 and the computer chip 17.
  • PCB printed circuit board
  • the computer chip 17 includes a microprocessor 20, an electrically erasable programmable read only memory (EEPROM) 21, a random access memory (RAM) 22, and a masked read only memory (ROM) 23.
  • EEPROM electrically erasable programmable read only memory
  • RAM random access memory
  • ROM masked read only memory
  • a battery 24 is connected to the computer chip 17, as are the fingerprint reader 11 and the display 12.
  • a credit card 10 is issued to a potential user.
  • the user initially applies a thumb or finger 27 to the fingerprint reader 11.
  • This enables the credit card 10 to "read” one fingerprint initially, and only once, and then store the fingerprint “signature”.
  • the display 12 displays a message that a Private personal identification number (PIN) Number is needed.
  • PIN Private personal identification number
  • the message on the display 12 changes to "PIN # O.K. ".
  • the display 12 displays the "O.K. " message for a predetermined length of time. After the predetermined length of time has elapsed, the previous message is restored.
  • FIG. 5 there is shown a diagrammatic outline drawing of an embodiment of a card reading machine 30, such as an automated teller machine (ATM), or the like.
  • the card reading machine 30 is provided with an opening 31 into which the credit card 10 is inserted.
  • the card reading machine 30 is provided with a display reader 32 that is positioned to read the message on the display 12.
  • Block 40 indicates that the authorized user's fingerprint is initially read by the fingerprint reader 11 on the credit card 10.
  • Block 41 indicates that the fingerprint signature is stored.
  • Block 42 indicates that the display 12 displays a message indicating that a Private PIN Number is required.
  • Block 43 indicates that the fingerprint reader 11 reads the same fingerprint again.
  • Block 44 indicates that the display 12 displays the message: "PIN # O.K.”.
  • Block 45 indicates that the message on the display 12 is read by a display reader 32 in card reading machine 30.
  • block 46 indicates that after a specific time delay, the message displayed by the display 12 reverts to the original message that a Private PIN Number is required.
  • the credit card 10 of the present invention reduces the incidence of credit card fraud, because it provides a more foolproof method to identify the authorized user of a credit card.

Landscapes

  • Engineering & Computer Science (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Accounting & Taxation (AREA)
  • Computer Hardware Design (AREA)
  • Human Computer Interaction (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • General Engineering & Computer Science (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Collating Specific Patterns (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

Carte de crédit (10) émise au nom d'un utilisateur autorisé et ressemblant à une carte de crédit conventionnelle, étant toutefois un peu plus épaisse pour loger des composants électroniques qui permettent à la carte de lire (11) une première fois l'empreinte digitale de l'utilisateur autorisé, de stocker ensuite la 'signature' de cette empreinte et d'afficher (12) sur la carte une demande d'introduire le numéro d'identification personnel (NIP). Le dispositif d'affichage indiquera 'NIP # O.K.', lorsque la même empreinte digitale sera lue de nouveau. La carte de crédit est munie d'une puce électronique, placée dans un creux, qui inclut une mémoire et un microprocesseur. Elle est équipée d'un lecteur conventionnel d'empreintes digitales et d'un dispositif d'affichage tel qu'un écran à cristaux liquides.
PCT/US1997/003947 1996-03-13 1997-03-13 Nip individuel WO1997034252A1 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US61509196A 1996-03-13 1996-03-13
US08/615,091 1996-03-13

Publications (1)

Publication Number Publication Date
WO1997034252A1 true WO1997034252A1 (fr) 1997-09-18

Family

ID=24463948

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/US1997/003947 WO1997034252A1 (fr) 1996-03-13 1997-03-13 Nip individuel

Country Status (2)

Country Link
FR (1) FR2746201A1 (fr)
WO (1) WO1997034252A1 (fr)

Cited By (14)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19811332A1 (de) * 1998-03-16 1999-09-23 Giesecke & Devrient Gmbh Verfahren und Vorrichtung zur Prüfung eines biometrischen Merkmals
WO2001017247A1 (fr) * 1999-08-30 2001-03-08 Safe-T-Net System Pte Ltd Emetteur-recepteur video
EP1279138A1 (fr) * 2000-02-10 2003-01-29 Cartis, Inc. Carte de credit/donnees anti-fraude
US6529230B1 (en) 1999-08-30 2003-03-04 Safe-T-Net Systems Pte Ltd Security and fire control system
US6848617B1 (en) 1998-01-27 2005-02-01 Infineon Technologies Ag Smart card module for biometric sensors
EP1686541A2 (fr) * 2005-01-26 2006-08-02 Giesecke & Devrient GmbH Système d'identification
US7552340B2 (en) 2002-07-31 2009-06-23 Trek 2000 International Ltd. Method and apparatus of storage anti-piracy key encryption (SAKE) device to control data access for networks
WO2009087547A2 (fr) * 2007-12-31 2009-07-16 France Telecom Système d'identification électronique
US7650470B2 (en) 2001-06-28 2010-01-19 Trek 2000 International, Ltd. Method and devices for data transfer
JP2010103240A (ja) * 2008-10-22 2010-05-06 Fujitsu Ltd 接触センサユニット、電子装置及び接触センサユニットの製造方法
US8209462B2 (en) 2000-02-21 2012-06-26 Trek 2000 International Ltd. Portable data storage device
WO2013160011A1 (fr) * 2012-04-24 2013-10-31 Zwipe As Procédé de fabrication d'une carte électronique
DE102014110694A1 (de) * 2014-07-29 2016-02-04 Bundesdruckerei Gmbh Dokument mit Sensormitteln
US10762322B2 (en) 2009-12-29 2020-09-01 Idex Biometrics Asa Fingerprint sensor including a substrate defining a ledge with contact points for incorporation into a smartcard

Families Citing this family (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE59900240D1 (de) * 1998-05-29 2001-10-11 Adivan High Tech Ltd Digitaler datenträger
JP2000020727A (ja) * 1998-07-07 2000-01-21 Nippon Lsi Card Co Ltd 指紋照合システム及びそれに用いるメモリカード
FR2798208B1 (fr) * 1999-09-07 2004-03-05 Gemplus Card Int Carte electronique comportant en memoire une identification de son titulaire
DE10043954A1 (de) * 2000-09-06 2002-03-14 Infineon Technologies Ag Chipkarte und Bauelement
EP1258795A1 (fr) * 2001-05-15 2002-11-20 Siemens Aktiengesellschaft Appareil permettant de générer des signatures électroniques sûres pour des ordinateurs pesonnels et des téléphones mobiles
FR2831976A1 (fr) * 2001-11-06 2003-05-09 D Vito Antoine Orazio Support d'authentification individuelle par approche biometrique dans un systeme de transmission d'information sans contact

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5623552A (en) * 1994-01-21 1997-04-22 Cardguard International, Inc. Self-authenticating identification card with fingerprint identification

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5623552A (en) * 1994-01-21 1997-04-22 Cardguard International, Inc. Self-authenticating identification card with fingerprint identification

Cited By (21)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US6848617B1 (en) 1998-01-27 2005-02-01 Infineon Technologies Ag Smart card module for biometric sensors
DE19811332A1 (de) * 1998-03-16 1999-09-23 Giesecke & Devrient Gmbh Verfahren und Vorrichtung zur Prüfung eines biometrischen Merkmals
WO2001017247A1 (fr) * 1999-08-30 2001-03-08 Safe-T-Net System Pte Ltd Emetteur-recepteur video
US6529230B1 (en) 1999-08-30 2003-03-04 Safe-T-Net Systems Pte Ltd Security and fire control system
EP1279138A1 (fr) * 2000-02-10 2003-01-29 Cartis, Inc. Carte de credit/donnees anti-fraude
EP1279138A4 (fr) * 2000-02-10 2003-07-16 Cartis Inc Carte de credit/donnees anti-fraude
US8209462B2 (en) 2000-02-21 2012-06-26 Trek 2000 International Ltd. Portable data storage device
US7650470B2 (en) 2001-06-28 2010-01-19 Trek 2000 International, Ltd. Method and devices for data transfer
US7552340B2 (en) 2002-07-31 2009-06-23 Trek 2000 International Ltd. Method and apparatus of storage anti-piracy key encryption (SAKE) device to control data access for networks
EP1686541A2 (fr) * 2005-01-26 2006-08-02 Giesecke & Devrient GmbH Système d'identification
EP1686541A3 (fr) * 2005-01-26 2007-08-22 Giesecke & Devrient GmbH Système d'identification
WO2009087547A3 (fr) * 2007-12-31 2009-11-19 France Telecom Système d'identification électronique
WO2009087547A2 (fr) * 2007-12-31 2009-07-16 France Telecom Système d'identification électronique
JP2010103240A (ja) * 2008-10-22 2010-05-06 Fujitsu Ltd 接触センサユニット、電子装置及び接触センサユニットの製造方法
US10762322B2 (en) 2009-12-29 2020-09-01 Idex Biometrics Asa Fingerprint sensor including a substrate defining a ledge with contact points for incorporation into a smartcard
WO2013160011A1 (fr) * 2012-04-24 2013-10-31 Zwipe As Procédé de fabrication d'une carte électronique
CN104380313A (zh) * 2012-04-24 2015-02-25 维普公司 制造电子卡的方法
EP2842079B1 (fr) 2012-04-24 2016-06-01 Zwipe AS Procédé de fabrication d'une carte électronique
US9471825B2 (en) 2012-04-24 2016-10-18 Zwipe As Method of manufacturing an electronic card
AU2013252025B2 (en) * 2012-04-24 2017-02-09 Zwipe As Method of manufacturing an electronic card
DE102014110694A1 (de) * 2014-07-29 2016-02-04 Bundesdruckerei Gmbh Dokument mit Sensormitteln

Also Published As

Publication number Publication date
FR2746201A1 (fr) 1997-09-19

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