CA2234577A1 - System for the safe authentication and management of registered credit instruments and documents - Google Patents
System for the safe authentication and management of registered credit instruments and documents Download PDFInfo
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- CA2234577A1 CA2234577A1 CA002234577A CA2234577A CA2234577A1 CA 2234577 A1 CA2234577 A1 CA 2234577A1 CA 002234577 A CA002234577 A CA 002234577A CA 2234577 A CA2234577 A CA 2234577A CA 2234577 A1 CA2234577 A1 CA 2234577A1
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- 238000010200 validation analysis Methods 0.000 claims abstract description 8
- 238000004891 communication Methods 0.000 claims description 9
- 230000006854 communication Effects 0.000 claims description 9
- 241001527902 Aratus Species 0.000 description 3
- DIWRORZWFLOCLC-UHFFFAOYSA-N Lorazepam Chemical compound C12=CC(Cl)=CC=C2NC(=O)C(O)N=C1C1=CC=CC=C1Cl DIWRORZWFLOCLC-UHFFFAOYSA-N 0.000 description 3
- 238000010586 diagram Methods 0.000 description 3
- VKYKSIONXSXAKP-UHFFFAOYSA-N hexamethylenetetramine Chemical compound C1N(C2)CN3CN1CN2C3 VKYKSIONXSXAKP-UHFFFAOYSA-N 0.000 description 3
- 235000008247 Echinochloa frumentacea Nutrition 0.000 description 2
- 241000861223 Issus Species 0.000 description 2
- 240000004072 Panicum sumatrense Species 0.000 description 2
- 150000001768 cations Chemical class 0.000 description 2
- 150000002500 ions Chemical class 0.000 description 2
- 238000000034 method Methods 0.000 description 2
- RYGMFSIKBFXOCR-UHFFFAOYSA-N Copper Chemical compound [Cu] RYGMFSIKBFXOCR-UHFFFAOYSA-N 0.000 description 1
- 101710204316 Formin-3 Proteins 0.000 description 1
- 241000276457 Gadidae Species 0.000 description 1
- WHXSMMKQMYFTQS-UHFFFAOYSA-N Lithium Chemical compound [Li] WHXSMMKQMYFTQS-UHFFFAOYSA-N 0.000 description 1
- 101100328463 Mus musculus Cmya5 gene Proteins 0.000 description 1
- 101100096985 Mus musculus Strc gene Proteins 0.000 description 1
- 244000046052 Phaseolus vulgaris Species 0.000 description 1
- 235000010627 Phaseolus vulgaris Nutrition 0.000 description 1
- 241000283984 Rodentia Species 0.000 description 1
- SZKKRCSOSQAJDE-UHFFFAOYSA-N Schradan Chemical class CN(C)P(=O)(N(C)C)OP(=O)(N(C)C)N(C)C SZKKRCSOSQAJDE-UHFFFAOYSA-N 0.000 description 1
- 241000011102 Thera Species 0.000 description 1
- 241000613130 Tima Species 0.000 description 1
- 238000012512 characterization method Methods 0.000 description 1
- 229910052744 lithium Inorganic materials 0.000 description 1
- 239000000463 material Substances 0.000 description 1
- MSFGZHUJTJBYFA-UHFFFAOYSA-M sodium dichloroisocyanurate Chemical compound [Na+].ClN1C(=O)[N-]C(=O)N(Cl)C1=O MSFGZHUJTJBYFA-UHFFFAOYSA-M 0.000 description 1
- VLPFTAMPNXLGLX-UHFFFAOYSA-N trioctanoin Chemical compound CCCCCCCC(=O)OCC(OC(=O)CCCCCCC)COC(=O)CCCCCCC VLPFTAMPNXLGLX-UHFFFAOYSA-N 0.000 description 1
- LENZDBCJOHFCAS-UHFFFAOYSA-N tris Chemical compound OCC(N)(CO)CO LENZDBCJOHFCAS-UHFFFAOYSA-N 0.000 description 1
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
- G06Q20/30—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
Landscapes
- Engineering & Computer Science (AREA)
- Business, Economics & Management (AREA)
- Physics & Mathematics (AREA)
- General Physics & Mathematics (AREA)
- Accounting & Taxation (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- General Business, Economics & Management (AREA)
- Computer Security & Cryptography (AREA)
- Finance (AREA)
- Human Computer Interaction (AREA)
- Microelectronics & Electronic Packaging (AREA)
- Computer Networks & Wireless Communication (AREA)
- Collating Specific Patterns (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Credit Cards Or The Like (AREA)
- Inspection Of Paper Currency And Valuable Securities (AREA)
- Measurement Of The Respiration, Hearing Ability, Form, And Blood Characteristics Of Living Organisms (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
Abstract
System for the safe authentication and management of registered credit instruments or documents comprising: a personalized document (10) provided with a microprocessor to store an identification code CIP of the holder and information on biometric characteristics of the same; means for releasing said document (10) to the holder; means for issuing registered credit instruments (12) or documents; means for validating the credit instruments (12), all of said means being provided with a device for acquiring at least one biometric characteristic of the holder; said credit instruments (12) comprising at least a security code univocally generated by utilizing the personal identification code CIP as a cryptographic key; said information being associated to a mathematical expression of the data of the fingerprint of at least a finger of the holder of said document (10); the recognition for the issue of the credit instrument (12) and the validation being obtained by comparing the information got by direct reading of the finger of the holder and the application of the mathematical expression with the one stored in the document (10).
Description
CA 02234~77 1998-04-09 2 PcT/~l9sJ~5~l5SYSTE~ ~OR THE SRFE ~UTHENTIC~TION ~ND ~N~EMENT OF REGISTERED
CREDIT INSTRUMENTS ~ND DOCU~ENTS
This invention relates to a system for the safe authent;cation and mana~ement of registered cred;t instruments and documents~
~ore particularly, this invention relates to a system suitable to identify with the utmost certainty the po5sessory title of a document which i5 univocally associated to the legitimate holder on the basis of a personalized card~
Besides~ this invention relates to the apparatuses for issuing the personali~ed card and the document and for the validation of the latter, with tha ascertainnient of its authenticity on its utili7ation~
Concerina registered documents, special reference is made to a specific credit in~strument utili~able for commzrcial transac-tions wh;ch are executed with the utmost securit~, as the possi-bility of an illicit use of said instrument by third partiss -due to loss or stealin~ - is excluded ~nyhow~ the same system of authenticatiQn and management may be utili~e~ for any othar crsdit instruments. such as chs~ues, share certificatçs, csrtificates of ;ndebtedness, savin3s books and thz like~. as well as personal documents or personal identi-fication documents, of the kind, for instance7 of credit cards7 passports, identity cards and driving licences.
Several methods are ~nown for the execution of the commercial trans~ctions that involve the transfer of money between psrsons ~any transactions take place without an~,~ mater-ial transfer of curr~.ncv~ for instance through a ban~. which sees directly, upon re~uest by the concerned person, to crediting the indicated person with a given sum Tn other cases, the payment is through credit instruments, for ~ ~ S~ 111UTE SHEET (RULE 26) ir,stance ban!~. che~ues or bank-~ drafts, rel~tively to which spe-cial cau-tiQns are adopted. to try to avoid their for ery or stealinq and their illicit utili-ation ~nother form of payment is based on tha use of credit cards, which allthori=e the holder to purchase ~300ds or services with third ~ tie.~ havinq an arran~ement wit,l-l the i,suer of said cards. t~ which the charge of ths payment is transferred But also this form of payment is not free from risk;s, as the credit card mav gst lost or be stealed and unlawfully utili ed, even though temporarily, by non authori~ed third parties.
The aforementioned payment forms1 widely adopted, allow to limit tha supply of cash, whish however is still the more practical and dir~ct and sometimes compulsory system to execute commercial transactions whose amount is not alway~ small Obviously the poss~Cc;on of cash qives rise to fairly serious security pro-blemG: in fact~ stealed or lost currenc~.~ san be easily used by anYona. gen~r~lly without problems. as not even the ~uarantees ex;Gt that safegu.~rd somehow or other th_ circulation of c~heques and cred~..t cards ~XX~x ~.n earlier patent application~ the same applicantXW~
describes x~ x~xx~ a system for commercial transactions suita-b]e to obviate th~ aforamentioned drawbac~.s, providing for the u_e of a personali~ed card integrating a microprocessor wherein a personal code and information are stored deriving from the application of a mathcmatical expression to the parameters referred to the fingerprint of at least a fin er of the holder of.the same card; based on such documant7 a credit instrument is issued. which can be associated Dnly to the holder, and which may be, by way of example, a che~ue for a given sum, validable with bu,inesses that have stipulated an agreemen' with the - 2 - ~E~O S~
issusr. on the conclusion of the commercial transaction Thanks to the ~rovision of the r~ersonal code and especiall~ the tran-scod;.nc of the f;n~erprint integratad in the card, said credit instrum2nt prQvides guarantees of utmost security, as it cannot bs utili=ed by a ~erson other than ths holder, and also the ~erson who receiv25 the payment has the utmost ~uarantaes, as there is the certainty of the authenticit~ of the the instru-ment~ suhstantially assimilable to cash ~t h ~ ~ h~ o n = t r o ~ l t h ~ t t h; ~ ~ ~ t o m i ~ ~ ~ I c r- o r~ t; h l o n f m n .~; f i--sa~ons which can furtherly improve its alr2ady hi~.h leve ~ f ~lob~ s2curit~t~, allowing at the same tima to create j impls ap~arat. ~es for ths validat~on of ths credit ins ~ ment or secllrit;~s ~hose circulation is limite~. ~h'~ way ~ f example, withl.n the Fra~ of this ;nvention, to ban!~s Qbject of this i ~ntion is. therefors to p~id~ a system for th~ autl-7~ntication ~ management of reg ~ ered cr~dit instru-m~nts and documents~ s~ch as to pro ~de the utmost security ~u~t-..-1nt22s, cau~in~ them ~ be util ~ ble onl~ by the holder to Whnl-7 th?~ h3~J8 l~2~n le~itima ~ sued furthsr object of this in~ ~ on is to provide said credit i-nstrumr-7nts associat2d t ~the e ~nomic transaction or said r~-listored documents or ~ entity docu ~ ts wit,h a s2curity print ind;.sso!.ubly associ~ ~d to the paper sup ~ t forming said inst-rumr~nt or document/
Q furthor obje ~ of this invention is to reali ~ simpls appara-tuses for c ~ yiny out the different sta~es of th ~system which al7ow-; tr~ mplement the above defined system Theso ~ d still further ob7jects are reachad by the sy ~em fi~r th ~saf~ authetication an_l manag2ment of registered c ~ dit -t r~ Im~t~- ~n~ ~nr~l l.~ontc s~Ihjo~t ma tt~r of t h; ~ ~ i-7~,ont; n~
CREDIT INSTRUMENTS ~ND DOCU~ENTS
This invention relates to a system for the safe authent;cation and mana~ement of registered cred;t instruments and documents~
~ore particularly, this invention relates to a system suitable to identify with the utmost certainty the po5sessory title of a document which i5 univocally associated to the legitimate holder on the basis of a personalized card~
Besides~ this invention relates to the apparatuses for issuing the personali~ed card and the document and for the validation of the latter, with tha ascertainnient of its authenticity on its utili7ation~
Concerina registered documents, special reference is made to a specific credit in~strument utili~able for commzrcial transac-tions wh;ch are executed with the utmost securit~, as the possi-bility of an illicit use of said instrument by third partiss -due to loss or stealin~ - is excluded ~nyhow~ the same system of authenticatiQn and management may be utili~e~ for any othar crsdit instruments. such as chs~ues, share certificatçs, csrtificates of ;ndebtedness, savin3s books and thz like~. as well as personal documents or personal identi-fication documents, of the kind, for instance7 of credit cards7 passports, identity cards and driving licences.
Several methods are ~nown for the execution of the commercial trans~ctions that involve the transfer of money between psrsons ~any transactions take place without an~,~ mater-ial transfer of curr~.ncv~ for instance through a ban~. which sees directly, upon re~uest by the concerned person, to crediting the indicated person with a given sum Tn other cases, the payment is through credit instruments, for ~ ~ S~ 111UTE SHEET (RULE 26) ir,stance ban!~. che~ues or bank-~ drafts, rel~tively to which spe-cial cau-tiQns are adopted. to try to avoid their for ery or stealinq and their illicit utili-ation ~nother form of payment is based on tha use of credit cards, which allthori=e the holder to purchase ~300ds or services with third ~ tie.~ havinq an arran~ement wit,l-l the i,suer of said cards. t~ which the charge of ths payment is transferred But also this form of payment is not free from risk;s, as the credit card mav gst lost or be stealed and unlawfully utili ed, even though temporarily, by non authori~ed third parties.
The aforementioned payment forms1 widely adopted, allow to limit tha supply of cash, whish however is still the more practical and dir~ct and sometimes compulsory system to execute commercial transactions whose amount is not alway~ small Obviously the poss~Cc;on of cash qives rise to fairly serious security pro-blemG: in fact~ stealed or lost currenc~.~ san be easily used by anYona. gen~r~lly without problems. as not even the ~uarantees ex;Gt that safegu.~rd somehow or other th_ circulation of c~heques and cred~..t cards ~XX~x ~.n earlier patent application~ the same applicantXW~
describes x~ x~xx~ a system for commercial transactions suita-b]e to obviate th~ aforamentioned drawbac~.s, providing for the u_e of a personali~ed card integrating a microprocessor wherein a personal code and information are stored deriving from the application of a mathcmatical expression to the parameters referred to the fingerprint of at least a fin er of the holder of.the same card; based on such documant7 a credit instrument is issued. which can be associated Dnly to the holder, and which may be, by way of example, a che~ue for a given sum, validable with bu,inesses that have stipulated an agreemen' with the - 2 - ~E~O S~
issusr. on the conclusion of the commercial transaction Thanks to the ~rovision of the r~ersonal code and especiall~ the tran-scod;.nc of the f;n~erprint integratad in the card, said credit instrum2nt prQvides guarantees of utmost security, as it cannot bs utili=ed by a ~erson other than ths holder, and also the ~erson who receiv25 the payment has the utmost ~uarantaes, as there is the certainty of the authenticit~ of the the instru-ment~ suhstantially assimilable to cash ~t h ~ ~ h~ o n = t r o ~ l t h ~ t t h; ~ ~ ~ t o m i ~ ~ ~ I c r- o r~ t; h l o n f m n .~; f i--sa~ons which can furtherly improve its alr2ady hi~.h leve ~ f ~lob~ s2curit~t~, allowing at the same tima to create j impls ap~arat. ~es for ths validat~on of ths credit ins ~ ment or secllrit;~s ~hose circulation is limite~. ~h'~ way ~ f example, withl.n the Fra~ of this ;nvention, to ban!~s Qbject of this i ~ntion is. therefors to p~id~ a system for th~ autl-7~ntication ~ management of reg ~ ered cr~dit instru-m~nts and documents~ s~ch as to pro ~de the utmost security ~u~t-..-1nt22s, cau~in~ them ~ be util ~ ble onl~ by the holder to Whnl-7 th?~ h3~J8 l~2~n le~itima ~ sued furthsr object of this in~ ~ on is to provide said credit i-nstrumr-7nts associat2d t ~the e ~nomic transaction or said r~-listored documents or ~ entity docu ~ ts wit,h a s2curity print ind;.sso!.ubly associ~ ~d to the paper sup ~ t forming said inst-rumr~nt or document/
Q furthor obje ~ of this invention is to reali ~ simpls appara-tuses for c ~ yiny out the different sta~es of th ~system which al7ow-; tr~ mplement the above defined system Theso ~ d still further ob7jects are reachad by the sy ~em fi~r th ~saf~ authetication an_l manag2ment of registered c ~ dit -t r~ Im~t~- ~n~ ~nr~l l.~ontc s~Ihjo~t ma tt~r of t h; ~ ~ i-7~,ont; n~
CA 02234~77 1998-04-09 A system for the authentication of a registered credit instrument or document according to the preamble of claim 1 is known from US-A-5 157 726.
Furthermore, GB-A-2 256 170 discloses a system for recognising the holder of a smart card storing numerical information which is associated by a mathematical expression or algorithm of a fingerprint of a live finger of the holder of the card. When the card is issued the holder places a finger in a biometric sensor and data read from this sensor are encoded to provide a unique mathematical characterisation of the fingerprint which is then stored in the card.
When the holder of the card must be identified or recognised, he places its finger in a biometric sensor and the data obtained from the live finger are compared with the data read from the card by a card reader.
- 3 a -O
U~ir on tha ~ncluG~icn of ths c~mm~rclal tr~n~,~t;nn Th-in~
to the ~rovision of the personal sQda and especiall scodlnci of th3 fin~~isrprint ;nteciratad in t ~ said credit instrumant prQvid2s ciuarantaeS of u ~ ~sacurity, as it cannot bs utili~ed by a person ~ an tha holder and also tha p3rson ~Jho rece ~ paymel,t h~s tha utmos.t cluarantees as thera ~ ertainty of tha authanticity of tha tha instru-m ~ 5ub5t~iti~11~ 3.s5imil~i~1s tG c~.~h.
It ha.- ~aan strasssd that this systam is sussaptibla of mod;f-i-catiQns which can furtherly improve its already hi~h levsl of qlobal s3surit~ allowin~ at ths same tims to create simple apparatusas for tha validat~.on of the credit instrumsnt or szcurit;as whosa circulation is limitai b~ way of example, with;n the frame of this invention to banks Obiast o-f this invantion is -tharafora to prQvida a system for tha authentisation and mana3smsnt of ra~;stered sr~dit instru-ments an-l documsnts. ~uch as to pro~ide the utmost sscurity ~iuar-antses~ causin~i tham to b~ ut;li-able only by tha holdar to whom th?~ hava baen la~aitimataly issued .~i further object of this invsntion is to provida said credit ;nstruments associatad to tha esonomic tran~action or said ra~;ster2ri documants or idant;ty dosum3nts with a sosurity print ;nd;ssol.ubly associatsd to the pa3sr suppQrt forming said inst-rumsnt or documant further obJact of this invsntion is to rsali e simpla appara-tuses for carrying out ths different sta~s of the system whicl-i allo~J~ to implement ths abova defined syst~m.
T~ese .an_i still furtl~er o~jects are raashed by t~e system for the safa authetication and manaaament of registerad credit instrum.ents and documants subjact matter of this inv2ntion - 3 L p~
CA 02234~77 1998-04-09 comprising - a personalised document incorporating a microprocessor storing a personal identification code (CIP) and a numerical information associated to a mathematical expression or algorithm of the parameters related to a fingerprint of at least one live finger of the holder of said personalized document;
- first means for issuing said personalised document to the holder;
- second means for issuing registered credit instruments or documents, said second means comprising a reader of the personalised document and using the personal identification code (CIP) stored in said personalised document as a cryptographic key to generate univocally a security code not interpretable at sight which is printed on said registered instruments or documents;
- third means for validating the use of said registered credit instruments or documents, wherein all of said means are optionally associated to an information system (SI) are provided with a device for acquiring at least one fingerprint of the holder of the -personalised document; wherein - the issuing of the registered credit instruments or documents is obtained by comparing the information got through direct reading of the finger of the holder and the application of the mathematical expression or algorithm with one stored in the microprocessor of the personalised document, and - the validation of the use of said registered credit instruments or documents is obtained both (a) by comparing the information got - 4 - ~ 3 S~
CA 02234~77 1998-04-09 through direct reading of the finger of the holder and the application of the mathematical expression or algorithm with one stored in the microprocessor of the personalised document; and (b) by comparing the security code printed on the registered credit instruments or documents with the one resulting by using as cryptographic key the personal identification code (CIP) stored in the microprocessor of the personalised document.
- 4 a - ~ 3 S~
. CA 02234~77 1998-04-09 \compri=ir~Q: ~--~~~ ~ /
~a pzrsonali7ed document incorporating a microprocessor su~ta-bl~ o store a personal identification code of the holde ~and a num~.r ~ ;nformation associated to biometric character~ tics of the same ~older;
- first me ~s for releasing said personalized d ~ument to the holder~ \ /
- second means ~or ;ssuing registered cre~ t instruments or documents; and - third means to val ~ te the use of ~e instruments or docu-m~nts~ all of said mea~s being ass~ciated to an information system and providod w;th a~ evice ~lowin~ to acquire at least a biometric characterist;c of t ~ lder; .
sald ;ssued instruments and ~ uments comprising at least a security code univocally ~nerat ~ by utilizing the personal identiflcation code as a ~ yptograph ~ ~ey;
said ;nformation being/associated to a\mathematical expression of th~ ~ata concer~ ng the fingerprint ~ at least one live finger of the ho ~ er of said personali_ed ~ strument or docu-ment: / \
the recognit~ n of the holder, both for the issue ~f the instru-ment or d ~um~nt and for the related validation, be ~g obtained by com~ ing the information got through the direct r~ding of the ~ve finger of the holder and the application of the ~athe-cal expression with the information stored in the person ~ ~Innl Imf~ntc The characteristics of tha system for the safe authentication and managemer,t of registered credit instruments and documsnts subject matter of this invention will be better understood from the following descrip-tion~ wherein refarence is made to the - 4 b ~ O
Furthermore, GB-A-2 256 170 discloses a system for recognising the holder of a smart card storing numerical information which is associated by a mathematical expression or algorithm of a fingerprint of a live finger of the holder of the card. When the card is issued the holder places a finger in a biometric sensor and data read from this sensor are encoded to provide a unique mathematical characterisation of the fingerprint which is then stored in the card.
When the holder of the card must be identified or recognised, he places its finger in a biometric sensor and the data obtained from the live finger are compared with the data read from the card by a card reader.
- 3 a -O
U~ir on tha ~ncluG~icn of ths c~mm~rclal tr~n~,~t;nn Th-in~
to the ~rovision of the personal sQda and especiall scodlnci of th3 fin~~isrprint ;nteciratad in t ~ said credit instrumant prQvid2s ciuarantaeS of u ~ ~sacurity, as it cannot bs utili~ed by a person ~ an tha holder and also tha p3rson ~Jho rece ~ paymel,t h~s tha utmos.t cluarantees as thera ~ ertainty of tha authanticity of tha tha instru-m ~ 5ub5t~iti~11~ 3.s5imil~i~1s tG c~.~h.
It ha.- ~aan strasssd that this systam is sussaptibla of mod;f-i-catiQns which can furtherly improve its already hi~h levsl of qlobal s3surit~ allowin~ at ths same tims to create simple apparatusas for tha validat~.on of the credit instrumsnt or szcurit;as whosa circulation is limitai b~ way of example, with;n the frame of this invention to banks Obiast o-f this invantion is -tharafora to prQvida a system for tha authentisation and mana3smsnt of ra~;stered sr~dit instru-ments an-l documsnts. ~uch as to pro~ide the utmost sscurity ~iuar-antses~ causin~i tham to b~ ut;li-able only by tha holdar to whom th?~ hava baen la~aitimataly issued .~i further object of this invsntion is to provida said credit ;nstruments associatad to tha esonomic tran~action or said ra~;ster2ri documants or idant;ty dosum3nts with a sosurity print ;nd;ssol.ubly associatsd to the pa3sr suppQrt forming said inst-rumsnt or documant further obJact of this invsntion is to rsali e simpla appara-tuses for carrying out ths different sta~s of the system whicl-i allo~J~ to implement ths abova defined syst~m.
T~ese .an_i still furtl~er o~jects are raashed by t~e system for the safa authetication and manaaament of registerad credit instrum.ents and documants subjact matter of this inv2ntion - 3 L p~
CA 02234~77 1998-04-09 comprising - a personalised document incorporating a microprocessor storing a personal identification code (CIP) and a numerical information associated to a mathematical expression or algorithm of the parameters related to a fingerprint of at least one live finger of the holder of said personalized document;
- first means for issuing said personalised document to the holder;
- second means for issuing registered credit instruments or documents, said second means comprising a reader of the personalised document and using the personal identification code (CIP) stored in said personalised document as a cryptographic key to generate univocally a security code not interpretable at sight which is printed on said registered instruments or documents;
- third means for validating the use of said registered credit instruments or documents, wherein all of said means are optionally associated to an information system (SI) are provided with a device for acquiring at least one fingerprint of the holder of the -personalised document; wherein - the issuing of the registered credit instruments or documents is obtained by comparing the information got through direct reading of the finger of the holder and the application of the mathematical expression or algorithm with one stored in the microprocessor of the personalised document, and - the validation of the use of said registered credit instruments or documents is obtained both (a) by comparing the information got - 4 - ~ 3 S~
CA 02234~77 1998-04-09 through direct reading of the finger of the holder and the application of the mathematical expression or algorithm with one stored in the microprocessor of the personalised document; and (b) by comparing the security code printed on the registered credit instruments or documents with the one resulting by using as cryptographic key the personal identification code (CIP) stored in the microprocessor of the personalised document.
- 4 a - ~ 3 S~
. CA 02234~77 1998-04-09 \compri=ir~Q: ~--~~~ ~ /
~a pzrsonali7ed document incorporating a microprocessor su~ta-bl~ o store a personal identification code of the holde ~and a num~.r ~ ;nformation associated to biometric character~ tics of the same ~older;
- first me ~s for releasing said personalized d ~ument to the holder~ \ /
- second means ~or ;ssuing registered cre~ t instruments or documents; and - third means to val ~ te the use of ~e instruments or docu-m~nts~ all of said mea~s being ass~ciated to an information system and providod w;th a~ evice ~lowin~ to acquire at least a biometric characterist;c of t ~ lder; .
sald ;ssued instruments and ~ uments comprising at least a security code univocally ~nerat ~ by utilizing the personal identiflcation code as a ~ yptograph ~ ~ey;
said ;nformation being/associated to a\mathematical expression of th~ ~ata concer~ ng the fingerprint ~ at least one live finger of the ho ~ er of said personali_ed ~ strument or docu-ment: / \
the recognit~ n of the holder, both for the issue ~f the instru-ment or d ~um~nt and for the related validation, be ~g obtained by com~ ing the information got through the direct r~ding of the ~ve finger of the holder and the application of the ~athe-cal expression with the information stored in the person ~ ~Innl Imf~ntc The characteristics of tha system for the safe authentication and managemer,t of registered credit instruments and documsnts subject matter of this invention will be better understood from the following descrip-tion~ wherein refarence is made to the - 4 b ~ O
att~ched drawings which show schamatically a preferred non limitat;vs embodimsnt of the same system, referred by way of examPl.e -to a credit instrument. and wherein:
Fiq J. ~hows the block diagram of the. ;ssue stage of the perso-nali7ed card;
Fig 2 shows the bloc~ diagram of the issus stage of the credit instrument, based on said psrsonalized card;
F;q 3 sh~ws the block diagram of the validation stage of the credit instrumsnt assoc;ated to the personali~ed card With reference to the aforementioned figures, the system for the safe authentication and management of rsgistered credit instru--m~nte and documents subject matter of this invention comprises basically a personali~ed document 10 and a paper support forming the cred;t instrument l? The personali~ed document or smart-card 10. formed, by way of ex~mple, by a card having dimensions s;mil.?~r to those of the conventional creiit card-,, ;ncorporates a micro~rocessor wherein there are stored a psr~onal idenl.ifica~
t:;on ccde rIp and .~~ mathefn.~tisal e~preG.sion assQciated to at least one fingerprlnt of tha pr3rson who rsquire~ of the issuing inst].turion, fo~- instance a ban~ said card l~. to utili~e the system sub.lect matter of this in~ention referred to a credit instrument to perform commercial transactions The personal identificatiQn code CIP. for instal-ce in the form of an alphanu-merical sequence univocally assosiated to each holder, is gene-rated by the ;nformat;on system of the issuer SI and sent to the apparatu~ for the personali~ation Gf card lO, of which more will be said in the following The mathematical e~pression stored in the m;croprocessor of card lO is advantageously formed by an algorithm of the DES type ~Data Encry~tion Standard), which allow~ to transcode the parameters associated to the fingerprint S~,~S 111 ~ITE SHEET (RULE 26) of one or more fingers of the applicant~ forming therefore a uniqua featur~ of the same In ths microprocessor of card 10 thare are also stored, accor-di.na to a preferred non critical smbodiment, particulars and tax number of the applicant, as well as the current account number, compl.ete with the bank co-ordinates, for the domiciliation of the credit instruments to be issued and negotiated.
Ths credit instrument 1~, which is the mean, for th2 execution of ths economic transaction throuc~h the ~vstem subiect matter of this invention, is formed by a support ~referably from paper, whose scheme is shown in Fi~, 2 and 3. sh~--r~ed, by way of exam-ple~ e banl~ cheques or drafts: an~how~ said support may also ke of diffent si~e. as the system of thi~ invention concerns in claneral all of the credit instruments~ ~5 for instance savings boo.L~ share and deposit certificates, bzsides the mentioned personal documents or personal identiflca~.lon documents~ccor d;ncl to a preferred embodiment. said sup~ort. has the configura-~.;on of a con~entional chequa, For irlst.-nce from watermarked parJer, whlch is aut.hentiGated on th~ basis of the data previou-sly stored in the microprocessor of card 10 In particular7 throuai-l an ap~aratus of which mora will be said in the follo-win~, a dot coding ~not interpretable at sic~ht~ is provided, alon~ a ~refi~ed field, on the paper support formin3 the credit instrument 1~ which coding defines, for i.n_tance, the issuina date. th~. coda sf tha issuin~ inst;tution and the amount of said instrumant The same data are also formed along a distinct field~ e~r~ressed in cryptographis form through a hey made up by the aforementioned personal identification code stored in card Rccordin~ to a further characteristic of the invention, the SUBSTITUTE SHEET (RULE 26) 7 PCT~EP95/05015 support, forming tha credit instrument or security lr~ is provided with a security print 14, of any shape and si~e, made up by two or more ~ones w;.th different light reflection; said zones are f~rm~rsd bv an alternation of embossed and hollow sectors, circum-scribzd by approached lines differsntlY oriented by groups relat;ve,ly to one another Impression l4 as a whole is obtained n refle_ting or metallic in~, through offset and dry copper-~late printinrl processes The characteristics of the mentioned securlt~,~ print with which the support forming the credit inst-rument lr~ is advanta~eously provided are not described in de-tail, beirl~ the sub,ject matter of an autonomous patent applica-tion re~istered in Italy b~ ths sama applicant for th-~ ;m~leme,ntat;on of the syste.m of this invention, by way of e~am~ and not critically referred to -~ credl.t instrument to carr~ out commercial trans3ctions. spec;fic apparatuses are sup~lie-lH some of which hava alre.-~dy been rmontioned: there are, in t.~rt,;culat-. a f;rst appar2.t-l. allow;n;~ t.o issuz the persona-li-ed document~ in thz follc~w;n~ re~erred to as card, and a second at.~aratus wh~'ch, a~lalnst the, reCOgn;tiQn of the applicant throu~h the parameters stored in the microprocessor of said card. a]lows to lssue the credit instrume,nt and to authent;cate ;t un~ocally ~ third apparatus~ descr;br,d ;n detail later on, validate~ the instrument on its utili~ratiQn. by means of a tr;anc~ l2,tiQn Th first apparatus, shown as a scheme. ;n Fi~. l, allQws to reali-e the, startin~, stage of thz s~strc.sm of this in~entiQr,, issuin~ the document or personali~ed card lO Said apparatus comprises a pe,rsonal computer l~ connect_d to the information system ~l of the issuin~ institution. for instance a bank;, throu~h a communication line l8; the informatiQn system SI
SUBSTITUTE SHEET (RULE 26~
Fiq J. ~hows the block diagram of the. ;ssue stage of the perso-nali7ed card;
Fig 2 shows the bloc~ diagram of the issus stage of the credit instrument, based on said psrsonalized card;
F;q 3 sh~ws the block diagram of the validation stage of the credit instrumsnt assoc;ated to the personali~ed card With reference to the aforementioned figures, the system for the safe authentication and management of rsgistered credit instru--m~nte and documents subject matter of this invention comprises basically a personali~ed document 10 and a paper support forming the cred;t instrument l? The personali~ed document or smart-card 10. formed, by way of ex~mple, by a card having dimensions s;mil.?~r to those of the conventional creiit card-,, ;ncorporates a micro~rocessor wherein there are stored a psr~onal idenl.ifica~
t:;on ccde rIp and .~~ mathefn.~tisal e~preG.sion assQciated to at least one fingerprlnt of tha pr3rson who rsquire~ of the issuing inst].turion, fo~- instance a ban~ said card l~. to utili~e the system sub.lect matter of this in~ention referred to a credit instrument to perform commercial transactions The personal identificatiQn code CIP. for instal-ce in the form of an alphanu-merical sequence univocally assosiated to each holder, is gene-rated by the ;nformat;on system of the issuer SI and sent to the apparatu~ for the personali~ation Gf card lO, of which more will be said in the following The mathematical e~pression stored in the m;croprocessor of card lO is advantageously formed by an algorithm of the DES type ~Data Encry~tion Standard), which allow~ to transcode the parameters associated to the fingerprint S~,~S 111 ~ITE SHEET (RULE 26) of one or more fingers of the applicant~ forming therefore a uniqua featur~ of the same In ths microprocessor of card 10 thare are also stored, accor-di.na to a preferred non critical smbodiment, particulars and tax number of the applicant, as well as the current account number, compl.ete with the bank co-ordinates, for the domiciliation of the credit instruments to be issued and negotiated.
Ths credit instrument 1~, which is the mean, for th2 execution of ths economic transaction throuc~h the ~vstem subiect matter of this invention, is formed by a support ~referably from paper, whose scheme is shown in Fi~, 2 and 3. sh~--r~ed, by way of exam-ple~ e banl~ cheques or drafts: an~how~ said support may also ke of diffent si~e. as the system of thi~ invention concerns in claneral all of the credit instruments~ ~5 for instance savings boo.L~ share and deposit certificates, bzsides the mentioned personal documents or personal identiflca~.lon documents~ccor d;ncl to a preferred embodiment. said sup~ort. has the configura-~.;on of a con~entional chequa, For irlst.-nce from watermarked parJer, whlch is aut.hentiGated on th~ basis of the data previou-sly stored in the microprocessor of card 10 In particular7 throuai-l an ap~aratus of which mora will be said in the follo-win~, a dot coding ~not interpretable at sic~ht~ is provided, alon~ a ~refi~ed field, on the paper support formin3 the credit instrument 1~ which coding defines, for i.n_tance, the issuina date. th~. coda sf tha issuin~ inst;tution and the amount of said instrumant The same data are also formed along a distinct field~ e~r~ressed in cryptographis form through a hey made up by the aforementioned personal identification code stored in card Rccordin~ to a further characteristic of the invention, the SUBSTITUTE SHEET (RULE 26) 7 PCT~EP95/05015 support, forming tha credit instrument or security lr~ is provided with a security print 14, of any shape and si~e, made up by two or more ~ones w;.th different light reflection; said zones are f~rm~rsd bv an alternation of embossed and hollow sectors, circum-scribzd by approached lines differsntlY oriented by groups relat;ve,ly to one another Impression l4 as a whole is obtained n refle_ting or metallic in~, through offset and dry copper-~late printinrl processes The characteristics of the mentioned securlt~,~ print with which the support forming the credit inst-rument lr~ is advanta~eously provided are not described in de-tail, beirl~ the sub,ject matter of an autonomous patent applica-tion re~istered in Italy b~ ths sama applicant for th-~ ;m~leme,ntat;on of the syste.m of this invention, by way of e~am~ and not critically referred to -~ credl.t instrument to carr~ out commercial trans3ctions. spec;fic apparatuses are sup~lie-lH some of which hava alre.-~dy been rmontioned: there are, in t.~rt,;culat-. a f;rst appar2.t-l. allow;n;~ t.o issuz the persona-li-ed document~ in thz follc~w;n~ re~erred to as card, and a second at.~aratus wh~'ch, a~lalnst the, reCOgn;tiQn of the applicant throu~h the parameters stored in the microprocessor of said card. a]lows to lssue the credit instrume,nt and to authent;cate ;t un~ocally ~ third apparatus~ descr;br,d ;n detail later on, validate~ the instrument on its utili~ratiQn. by means of a tr;anc~ l2,tiQn Th first apparatus, shown as a scheme. ;n Fi~. l, allQws to reali-e the, startin~, stage of thz s~strc.sm of this in~entiQr,, issuin~ the document or personali~ed card lO Said apparatus comprises a pe,rsonal computer l~ connect_d to the information system ~l of the issuin~ institution. for instance a bank;, throu~h a communication line l8; the informatiQn system SI
SUBSTITUTE SHEET (RULE 26~
checks throu~h the connection with the ana~raphical file and current accounts file of the institution or body issuing card lQ ths existence of the corresponding data (particulars and ~ro~rietary title of ths applicant~ relative to the person re~uir;n~ said card The apparatus comi~rises also a reader~sncoder 20 of card 10 to be personalized, an a biometric identity sensor 22 Ths reader/encoder 20, connected to the personal computsr 16 and consequently to the information system C,l throu;1h line l8~ recsivss from the latter ths psrsonal iden-tif;cation code CIP, the biometric sensor 2~, connected to 07~
ints~rato~ ln the reader-encodsr 2Q, senses and transcodes the print or fingerprints of th~ applicant, who puts the finger or-finqer~ in sequencs on a speciaL seat 24 obtained on tl-z sams sensor ~2 The latt2r is obviou~ly pro~ided with one or more openincls (not shown~ for the introduct;on and coming out of card 10 to be personali~ed The a,?~aratu~ schemat;cally shown in Fi~ 2~ which reali~es th~
seconJ stage of the s~stenl subjzc, m-tter of ti;s in~JentiOI-i~sUi!~~ the cred;t instrument 12 based on the data of card lO, is su~stantially ~ormed by the same components as the precedin~
aP~ratu~ with the addition of a print,er In detail, said apparatus comprises a personal computer 26 connected to the information system SI of the issuing institution through a communication line 2~ and a software programme SW~, a reader 30 of th!~ ~ersonali~ed smart-card 10 an identity reader or biome-tric sensor 3~ having a seat 34 where tho applicant puts the fin~er or f;n~ers, and a printer 36, pre~erably an ink jet printer with graphic printing modalities ~aid printer prints in crypto~ra~hied form, on the paper support formin~ the credit instrument 12 which is inserted in it~ a security code formed on SUBSTITUTE SHEET (RULE 26) W 097/15032 9 PCT~P95/05015 tl-e basis of ths data existin9 on card 1~, authenticating said instrument. Printer ~6 is provided with a c~nventional opening(s~ ~not shown~ for the introduction and coming out of the cre~;t instrument 12 to be authenticated.
For th2 implementation of the system subject matter of this invention a third apparatus is provided, 5chematically shown in Fi,a,. 3 analoaous to the preceding one and provided with further functionsl being utilized in the last stagg on the utilization and validat,ion of th2 credit instrument 1~. Said apparatus comprises a personal comPUter ~Q connzcted to t!-e information svst,em ~l of the issuin~ institut;on through a communication line, ~7 and a software proaramme ~W5, a r2ader 44 of smart-card l,Q, a bl,nmetric identity sensor with a seat 5Q where the appli-cant r.)ut tl~e finger or fingers, and a printer 48 The latter i~.
provided with a de,vice which provides to the possible invalida-tion of tl-,e n2gotiated instrument 12 The biom2tric sensor~~ comprised in all the above described a~aratl.lst~s, is substant.lally nm-~de up b~ a terminal controlled bv an bullt--ln micr.oprQc~s~or s~eciali ed for- the chec~: of the identi-~.v based on the biometrical data of the fin~2rs and tho technolo ~ of the cari. Both th~ built--ln application and the data re.~ide in an internal P.AM permanentl~ fed by a lithiurn batter~. the se,curity is ensure,d b~ a built-in microprocessor and b~ built-in tamp2r proof seCuritY microprocessor, with secreti.? ~ey-~ indep~ndent and una]t~r-abl~ for the ~S crypto-~; ~araphy~ permanentl.y fed by the lithium battery .,t Th~ system for the safe authentication and managsment of re~i-stered credit instruments and documents subject matter of this invention is articulated~ as concerns tl~e develo~ment of the o~eratiOns, according to the following modalitie~
SUBSTITUTE SHEET (RULE 26) WO 97/15032 ~o PCTAEP9S/05015 C~istinctlon is made, as specifie-d above. between three different o pe ra t ii. n -? s tages:
-- issui.nc? of the personali7ed smart--card 10:
- i.ssu~nc? of the instrument or security 1~ with security apposi--tiol~;
-- treatment of instrument 12 w;th authentication of the holder.
The first stage is associated with the issue of card 10, which has r~rsaferably a temporary validity; through ths apparatus schematically shown in Fic~ card 1('! r o be ps.~.rsonalized is int roduced, throuc?h a spscial sli t ~ ns t shown ~, in the read2t ~enCOd5~r 20 NQW, th2 conn2ction i~ m~ s with the infor-ma--tiOI-l s~.~stem SI o~ ths issuinc? institution t,hrouclh the communica--tion line 1~31 to record tl~e issuinu operat,;on of c~rd 10 and to recei~,~e f rom the same system the personal identi f ication code crP of the clise it. Sald cQde is stored i n thse m;cro,~rcessor of card ].Q t.-," ths reade. -encod~3r 20 in a proteGted manner, prefera--b].y i n ~ 3 form of ~n ~lphanum2ricc;~l sequ~?nca ~t the same time~
the ar~nl icant puts t.l-l2 fir,c.2r on ~eat ~ '.~ the biometric sensor ?'~; the print~ or po,sibly sever-z.l prints. cor~responding to a~
many f i nc?2rs, ar:e stored in ths~. micropr-oc2ssor of card 10 in transcoded and protected form with ths3 r~ersoll_ 1 identi fication cods CIP Durinc? this sta3e. performed by the biometric sensor 2-', furths3r indications are prefsrably ~;tor-e~l in card 10, such as, for i nstance, the e>cpi ry dats of th.e s~me card and the p~rticulars of the client or other data Followin.-? this operation~ card lCt is un~oc~l] ~ personlli 7ed and al lol~s to star t the second stac3ss whic?l 1 t:hrou~?h the a,~paratus schematically sho4~ln ;n Fi~-? ~ caus2s the issuin~-l of the credit instrument or document 1?, introduced in pr-inter ~;c~. The mentio ned security print 1~ in metallic or reflectin3 ink is already SlJI~ 111 UTE SHEET (RULE 26) W O 97/15032 ~ PcT/~25s~5ol5 present on ths paper support formin~ said instrument. During this issuing stags~ through printer 35 a security code is prin-ted~ for instance of the known type PDF 417, subdivided into two parts that are not interpretable at siqht~ the first part of said cod2 inc1udes all the data rel3ting to the release of the instrument ~for instancs~ data and place of issus, institutior and branch, document number, etc ). whi].e the second part of the code com~rise.s th2 same data a5 the f;t~5t ons, s.~pressed in crypto~t~a~hisd form b~ means of the ke~" formed by the personal ident.ification code CIP5 which can be univoca11y associated as such to the person requit-in~ the cred;t instrument 12 The applicant puts the finger ;n correspondence of 5sat 3~ of the~
biometrlc sensor ~ for the val;dation of h;s own print aaainst th~-3 one stored in protscted form in card 10 and sensed hy reader 3~ ~.eader 30 autQnomous1~ provid2s to reading the data of cat-d 10 through the matl-ematica1 expre~.ion or a1gorithn and t.hr-~ r,:arsona1 identlfication coda CIP of the apr)1;cant: such code i.~, th~refQre ut;l;zed as a cryptoarar~l-ic ~:e~ to aenerate th~.~
secur-itv code wh;ch print.er 36~ prints on the paper support form]ng the credit in~.trument or securit~ or documrnt 1~ ~150 in thi~ casa. the datails of the transaction are recorded throu-ih the communication line ~0 in the information system SI
of the is~uing institution Now th2 -a~p1icant has a univoca11y persona1iz~d credit instru-ment 1?. which he can use in case of naed givin~ his card, a1so psrsona1.~-ed, to the personn~l. who performs the treatment and authentication of the sam2 instrum~nt through the third appara-tus scl-ernatica11y shown in F;a 3 Supposin~ that ths system subj0ct matter of this invention be 1imited to the credit institutions where the two first apparatu-SUBSTITUTE SHEET (RULE 26) WO 97/15032 12 PcT/~l95~rrol5 ses are installsd. also the third apparatus will be installed in the same institutions or with a branch. The owner of the perso-nal;~d instrument 1~ introduces preliminarily in reader ~4 of said a~.~?~ratus his card 10 and at the sama time or immediately after, r,uts his fin~er on seat ~0 of ths biometric sensor 46, for the validation of his print against the one stored in pro-tected form in the microprocessor of the same card In case of pos;ti;.,~e recognition, reader 44 raads on card 10 the personal identir;sation code CIP of the owner of instrument 1., which is adopt.ed as a key to check the consistency between the two parts of th- s~c~.~rity code, utili~iny the same mathematical expression of cr~to~raph~ us~d on the issue bf said ins-t.rum~.,nt Ths pori t:lve r~~~o~nlt;on, based on the univocal aspect oF the finger-prlnt~ ith the conte:~tual acti~tion of tl-~ other two elements~
c~nfirm~, th~ validlty of doGumsnt 1~ exludin~ any illicit ut.~ .tion of the sam~s Now ptinter 48 can provide to the~
invalidatlon of instrument 1~, whlle -the parsonnel of the branch as~i~"s the, sUm of mon~y cDrre~pom~lin~! to ths -v~alue of said lnstr~rl~nt o~- validates ths authantication of the p~rson The ;nva]jdation stage of ti-~ credit instrument is made by printin~
on the r.~aper support formin~ ths same instrument a writing, for ir-lstancC "ne~otiated" or "paid" through said printer 48 Through the communication line 4-~. connected to the information system SI, also this endin~ sta~e of the transaction is recordad nne shnuld anticipate that the operations concernin~ the issue sta~e of card 10 with the interventlon Gf the first apparatus maY c~m~rts~ also the issue of a further card for a co-holder whose particulars ars obtained with the same modalities descri-bed abov_ One should also anticipate that the same apparatus issuin~ the card may provide also to the renewal of the same~
SIJ~ 111 ~JTE SHEET (RULE 26) W O97/15032 13 PCT~EP95/05015 w;th th~ updating of the particulars on ths client and/or the issue of a new personalized document ~s can b.~ understood from ths abov2, the sy5tem for the authen-.;cat.inn and mana~ement of ra~istered credit instruments and documents sub.ject matter of this inv3ntion provides guarantees of utrno~,t securit~. in fact, the is5ued instruments can be exactei.~ only b~ ths le~;timate holder ba5sd on a precise and univocal chaci~.
Thr_ adval-!tages of said system, which7 as de,cribad above, may be adopted to prevent the risk connected to th9 circulation of an~y re~;st.ered crr.~dit instrument or docume~nt. are especially evident if said ;nstrumer.t attribute~ the nolder t,ha ready ava.ilability of a ~ en amount of money; in fact, tha same holder can readily ca~l-, t,l-~~, correspond;ng sum with e~ny body having entered an a~re~ment; w;th t.he isC.uer~ d;s~o~.ing tharefo,a of cash in hand, withol.Jt running an~,~ ris~.
~v~n i!! the unlil~;als hypotiles;s of a contem~oraneous loss or st''al.i!-- oi- th~e p~rson~ ed cred;t Ins.t.t-urnent arld th~ card, the mnn~3'~ c-~nnot be c~5he~ b~ th;rd part;~s a5 on the chech made before payin~l~ th2r2 would be no corres~orld2nce between th2 fin~~.,r~ril-lt of the holder and the on.e stored ;n the card micro-prcc~.3,ss.or ~nyhow~ the invent;on. as described hsr2above and claimed he-reafter~ has bean proposed by way of exampls~ being obvious that the s~3me may be su~ceptible of many chang2s and variants, all of th~rtl f.-clling how3.~er w;th;ng the in~ention cono~pt For ir,~tance. the apparatus ~or the is3su2 of ths registered cred;t ;.n~trument or document and the apparatu~, for the related validatlon, and possibl~,t~ also the first capparatus providing to issu~n~-l th~ personali~ed card. mi3ht be incorporated in only SUBSTITUTE SHEET (RULE 26) WO 97/1503Z ~4 PCT~EP9S/05015 a~p~aratus; in the same way, the card reader and the biometric sensor comprised in the second and the third apparatus might be incorporated in one only station Eastl~,~. wh;le the system has been ~ro~osed ~y way of example for a reali~ation within ths bank ciruit~ further Possibilities are not to be e~cludad in th~s regard: in fact. the basic need oF
havlno. several places a~allable for tha fruition of the system m~y be satisfied by different bodias. for ;n~tance Post Offices~
Commune~ or local administrations in gener~l SUBSTITUTE SHEET ~RULE 26)
ints~rato~ ln the reader-encodsr 2Q, senses and transcodes the print or fingerprints of th~ applicant, who puts the finger or-finqer~ in sequencs on a speciaL seat 24 obtained on tl-z sams sensor ~2 The latt2r is obviou~ly pro~ided with one or more openincls (not shown~ for the introduct;on and coming out of card 10 to be personali~ed The a,?~aratu~ schemat;cally shown in Fi~ 2~ which reali~es th~
seconJ stage of the s~stenl subjzc, m-tter of ti;s in~JentiOI-i~sUi!~~ the cred;t instrument 12 based on the data of card lO, is su~stantially ~ormed by the same components as the precedin~
aP~ratu~ with the addition of a print,er In detail, said apparatus comprises a personal computer 26 connected to the information system SI of the issuing institution through a communication line 2~ and a software programme SW~, a reader 30 of th!~ ~ersonali~ed smart-card 10 an identity reader or biome-tric sensor 3~ having a seat 34 where tho applicant puts the fin~er or f;n~ers, and a printer 36, pre~erably an ink jet printer with graphic printing modalities ~aid printer prints in crypto~ra~hied form, on the paper support formin~ the credit instrument 12 which is inserted in it~ a security code formed on SUBSTITUTE SHEET (RULE 26) W 097/15032 9 PCT~P95/05015 tl-e basis of ths data existin9 on card 1~, authenticating said instrument. Printer ~6 is provided with a c~nventional opening(s~ ~not shown~ for the introduction and coming out of the cre~;t instrument 12 to be authenticated.
For th2 implementation of the system subject matter of this invention a third apparatus is provided, 5chematically shown in Fi,a,. 3 analoaous to the preceding one and provided with further functionsl being utilized in the last stagg on the utilization and validat,ion of th2 credit instrument 1~. Said apparatus comprises a personal comPUter ~Q connzcted to t!-e information svst,em ~l of the issuin~ institut;on through a communication line, ~7 and a software proaramme ~W5, a r2ader 44 of smart-card l,Q, a bl,nmetric identity sensor with a seat 5Q where the appli-cant r.)ut tl~e finger or fingers, and a printer 48 The latter i~.
provided with a de,vice which provides to the possible invalida-tion of tl-,e n2gotiated instrument 12 The biom2tric sensor~~ comprised in all the above described a~aratl.lst~s, is substant.lally nm-~de up b~ a terminal controlled bv an bullt--ln micr.oprQc~s~or s~eciali ed for- the chec~: of the identi-~.v based on the biometrical data of the fin~2rs and tho technolo ~ of the cari. Both th~ built--ln application and the data re.~ide in an internal P.AM permanentl~ fed by a lithiurn batter~. the se,curity is ensure,d b~ a built-in microprocessor and b~ built-in tamp2r proof seCuritY microprocessor, with secreti.? ~ey-~ indep~ndent and una]t~r-abl~ for the ~S crypto-~; ~araphy~ permanentl.y fed by the lithium battery .,t Th~ system for the safe authentication and managsment of re~i-stered credit instruments and documents subject matter of this invention is articulated~ as concerns tl~e develo~ment of the o~eratiOns, according to the following modalitie~
SUBSTITUTE SHEET (RULE 26) WO 97/15032 ~o PCTAEP9S/05015 C~istinctlon is made, as specifie-d above. between three different o pe ra t ii. n -? s tages:
-- issui.nc? of the personali7ed smart--card 10:
- i.ssu~nc? of the instrument or security 1~ with security apposi--tiol~;
-- treatment of instrument 12 w;th authentication of the holder.
The first stage is associated with the issue of card 10, which has r~rsaferably a temporary validity; through ths apparatus schematically shown in Fic~ card 1('! r o be ps.~.rsonalized is int roduced, throuc?h a spscial sli t ~ ns t shown ~, in the read2t ~enCOd5~r 20 NQW, th2 conn2ction i~ m~ s with the infor-ma--tiOI-l s~.~stem SI o~ ths issuinc? institution t,hrouclh the communica--tion line 1~31 to record tl~e issuinu operat,;on of c~rd 10 and to recei~,~e f rom the same system the personal identi f ication code crP of the clise it. Sald cQde is stored i n thse m;cro,~rcessor of card ].Q t.-," ths reade. -encod~3r 20 in a proteGted manner, prefera--b].y i n ~ 3 form of ~n ~lphanum2ricc;~l sequ~?nca ~t the same time~
the ar~nl icant puts t.l-l2 fir,c.2r on ~eat ~ '.~ the biometric sensor ?'~; the print~ or po,sibly sever-z.l prints. cor~responding to a~
many f i nc?2rs, ar:e stored in ths~. micropr-oc2ssor of card 10 in transcoded and protected form with ths3 r~ersoll_ 1 identi fication cods CIP Durinc? this sta3e. performed by the biometric sensor 2-', furths3r indications are prefsrably ~;tor-e~l in card 10, such as, for i nstance, the e>cpi ry dats of th.e s~me card and the p~rticulars of the client or other data Followin.-? this operation~ card lCt is un~oc~l] ~ personlli 7ed and al lol~s to star t the second stac3ss whic?l 1 t:hrou~?h the a,~paratus schematically sho4~ln ;n Fi~-? ~ caus2s the issuin~-l of the credit instrument or document 1?, introduced in pr-inter ~;c~. The mentio ned security print 1~ in metallic or reflectin3 ink is already SlJI~ 111 UTE SHEET (RULE 26) W O 97/15032 ~ PcT/~25s~5ol5 present on ths paper support formin~ said instrument. During this issuing stags~ through printer 35 a security code is prin-ted~ for instance of the known type PDF 417, subdivided into two parts that are not interpretable at siqht~ the first part of said cod2 inc1udes all the data rel3ting to the release of the instrument ~for instancs~ data and place of issus, institutior and branch, document number, etc ). whi].e the second part of the code com~rise.s th2 same data a5 the f;t~5t ons, s.~pressed in crypto~t~a~hisd form b~ means of the ke~" formed by the personal ident.ification code CIP5 which can be univoca11y associated as such to the person requit-in~ the cred;t instrument 12 The applicant puts the finger ;n correspondence of 5sat 3~ of the~
biometrlc sensor ~ for the val;dation of h;s own print aaainst th~-3 one stored in protscted form in card 10 and sensed hy reader 3~ ~.eader 30 autQnomous1~ provid2s to reading the data of cat-d 10 through the matl-ematica1 expre~.ion or a1gorithn and t.hr-~ r,:arsona1 identlfication coda CIP of the apr)1;cant: such code i.~, th~refQre ut;l;zed as a cryptoarar~l-ic ~:e~ to aenerate th~.~
secur-itv code wh;ch print.er 36~ prints on the paper support form]ng the credit in~.trument or securit~ or documrnt 1~ ~150 in thi~ casa. the datails of the transaction are recorded throu-ih the communication line ~0 in the information system SI
of the is~uing institution Now th2 -a~p1icant has a univoca11y persona1iz~d credit instru-ment 1?. which he can use in case of naed givin~ his card, a1so psrsona1.~-ed, to the personn~l. who performs the treatment and authentication of the sam2 instrum~nt through the third appara-tus scl-ernatica11y shown in F;a 3 Supposin~ that ths system subj0ct matter of this invention be 1imited to the credit institutions where the two first apparatu-SUBSTITUTE SHEET (RULE 26) WO 97/15032 12 PcT/~l95~rrol5 ses are installsd. also the third apparatus will be installed in the same institutions or with a branch. The owner of the perso-nal;~d instrument 1~ introduces preliminarily in reader ~4 of said a~.~?~ratus his card 10 and at the sama time or immediately after, r,uts his fin~er on seat ~0 of ths biometric sensor 46, for the validation of his print against the one stored in pro-tected form in the microprocessor of the same card In case of pos;ti;.,~e recognition, reader 44 raads on card 10 the personal identir;sation code CIP of the owner of instrument 1., which is adopt.ed as a key to check the consistency between the two parts of th- s~c~.~rity code, utili~iny the same mathematical expression of cr~to~raph~ us~d on the issue bf said ins-t.rum~.,nt Ths pori t:lve r~~~o~nlt;on, based on the univocal aspect oF the finger-prlnt~ ith the conte:~tual acti~tion of tl-~ other two elements~
c~nfirm~, th~ validlty of doGumsnt 1~ exludin~ any illicit ut.~ .tion of the sam~s Now ptinter 48 can provide to the~
invalidatlon of instrument 1~, whlle -the parsonnel of the branch as~i~"s the, sUm of mon~y cDrre~pom~lin~! to ths -v~alue of said lnstr~rl~nt o~- validates ths authantication of the p~rson The ;nva]jdation stage of ti-~ credit instrument is made by printin~
on the r.~aper support formin~ ths same instrument a writing, for ir-lstancC "ne~otiated" or "paid" through said printer 48 Through the communication line 4-~. connected to the information system SI, also this endin~ sta~e of the transaction is recordad nne shnuld anticipate that the operations concernin~ the issue sta~e of card 10 with the interventlon Gf the first apparatus maY c~m~rts~ also the issue of a further card for a co-holder whose particulars ars obtained with the same modalities descri-bed abov_ One should also anticipate that the same apparatus issuin~ the card may provide also to the renewal of the same~
SIJ~ 111 ~JTE SHEET (RULE 26) W O97/15032 13 PCT~EP95/05015 w;th th~ updating of the particulars on ths client and/or the issue of a new personalized document ~s can b.~ understood from ths abov2, the sy5tem for the authen-.;cat.inn and mana~ement of ra~istered credit instruments and documents sub.ject matter of this inv3ntion provides guarantees of utrno~,t securit~. in fact, the is5ued instruments can be exactei.~ only b~ ths le~;timate holder ba5sd on a precise and univocal chaci~.
Thr_ adval-!tages of said system, which7 as de,cribad above, may be adopted to prevent the risk connected to th9 circulation of an~y re~;st.ered crr.~dit instrument or docume~nt. are especially evident if said ;nstrumer.t attribute~ the nolder t,ha ready ava.ilability of a ~ en amount of money; in fact, tha same holder can readily ca~l-, t,l-~~, correspond;ng sum with e~ny body having entered an a~re~ment; w;th t.he isC.uer~ d;s~o~.ing tharefo,a of cash in hand, withol.Jt running an~,~ ris~.
~v~n i!! the unlil~;als hypotiles;s of a contem~oraneous loss or st''al.i!-- oi- th~e p~rson~ ed cred;t Ins.t.t-urnent arld th~ card, the mnn~3'~ c-~nnot be c~5he~ b~ th;rd part;~s a5 on the chech made before payin~l~ th2r2 would be no corres~orld2nce between th2 fin~~.,r~ril-lt of the holder and the on.e stored ;n the card micro-prcc~.3,ss.or ~nyhow~ the invent;on. as described hsr2above and claimed he-reafter~ has bean proposed by way of exampls~ being obvious that the s~3me may be su~ceptible of many chang2s and variants, all of th~rtl f.-clling how3.~er w;th;ng the in~ention cono~pt For ir,~tance. the apparatus ~or the is3su2 of ths registered cred;t ;.n~trument or document and the apparatu~, for the related validatlon, and possibl~,t~ also the first capparatus providing to issu~n~-l th~ personali~ed card. mi3ht be incorporated in only SUBSTITUTE SHEET (RULE 26) WO 97/1503Z ~4 PCT~EP9S/05015 a~p~aratus; in the same way, the card reader and the biometric sensor comprised in the second and the third apparatus might be incorporated in one only station Eastl~,~. wh;le the system has been ~ro~osed ~y way of example for a reali~ation within ths bank ciruit~ further Possibilities are not to be e~cludad in th~s regard: in fact. the basic need oF
havlno. several places a~allable for tha fruition of the system m~y be satisfied by different bodias. for ;n~tance Post Offices~
Commune~ or local administrations in gener~l SUBSTITUTE SHEET ~RULE 26)
Claims (7)
1. A system for the safe authentication and management of registered credit instruments and documents, comprising:
- a personalised document (10) incorporating a microprocessor storing a personal identification code (CIP) and a numerical information associated to a mathematical expression or algorithm of the parameters related to a fingerprint of at least one live finger of the holder of said personalized document (10);
- first means for issuing said personalised document (10) to the holder;
- second means for issuing registered credit instruments or documents (12), said second means comprising a reader of the personalised document (10) and using the personal identification code (CIP) stored in said personalised document (10) as a cryptographic key to generate univocally a security code not interpretable at sight which is printed on said registered instruments or documents (12);
- third means for validating the use of said registered credit instruments or documents (12), wherein all of said means are optionally associated to an information system (SI) are provided with a device for acquiring at least one fingerprint of the holder of the personalised document, characterized in that:
- the issuing of the registered credit instruments or documents (12) is obtained by comparing the information got through direct reading of the finger of the holder and the application of the mathematical expression or algorithm with one stored in the microprocessor of the personalised document (10), and - the validation of the use of said registered credit instruments or documents (12) is obtained both (a) by comparing the information got through direct reading of the finger of the holder and the application of the mathematical expression or algorithm with one stored in the microprocessor of the personalised document (10); and (b) by comparing the security code printed on the registered credit instruments or documents (12) with the one resulting by using as cryptographic key the personal identification code (CIP) stored in the microprocessor of the personalised document (10).
- a personalised document (10) incorporating a microprocessor storing a personal identification code (CIP) and a numerical information associated to a mathematical expression or algorithm of the parameters related to a fingerprint of at least one live finger of the holder of said personalized document (10);
- first means for issuing said personalised document (10) to the holder;
- second means for issuing registered credit instruments or documents (12), said second means comprising a reader of the personalised document (10) and using the personal identification code (CIP) stored in said personalised document (10) as a cryptographic key to generate univocally a security code not interpretable at sight which is printed on said registered instruments or documents (12);
- third means for validating the use of said registered credit instruments or documents (12), wherein all of said means are optionally associated to an information system (SI) are provided with a device for acquiring at least one fingerprint of the holder of the personalised document, characterized in that:
- the issuing of the registered credit instruments or documents (12) is obtained by comparing the information got through direct reading of the finger of the holder and the application of the mathematical expression or algorithm with one stored in the microprocessor of the personalised document (10), and - the validation of the use of said registered credit instruments or documents (12) is obtained both (a) by comparing the information got through direct reading of the finger of the holder and the application of the mathematical expression or algorithm with one stored in the microprocessor of the personalised document (10); and (b) by comparing the security code printed on the registered credit instruments or documents (12) with the one resulting by using as cryptographic key the personal identification code (CIP) stored in the microprocessor of the personalised document (10).
2. The system according to claim 1, characterized in that the mathematical expression stored in the microprocessor of the personalised document is formed by an algorithm of DES type.
3. The system according to claims 1 and 2, characterized in that said means for the release of the personalized document (10) comprise a personal computer (16) connected to a reader/encoder (20) for storing in protected form in the microprocessor of the document (10) said personal identification code CIP of the holder supplied by the information system SI of the issuing institution through a communication line (18), and a biometric sensor (22) for storing in transcoded form in the same microprocessor, to form said numeric information or algorith, at least a fingerprint of the holder, who puts the finger in correspondence of a seat (24) of said sensor.
4. The system according to claims 1 and 2, characterized in that said means for issuing credit instruments or documents (12) comprise a personal computer (26) connected to the information system of the issuing institution through a communication line (28), a reader (30) of the personalized document (10), a biometric sensor (32) and a printer (36) provided with graphic modality for printing on said credit instruments (12) a security code not interpretable at sight, generated by utilizing, as a cryptographic key, said personal identification code (CIP) which is read by reader (30) from the personal document (10) in case of positive recognition following the comparison between the fingerprint of the holder, who puts the live finger on a seat (34) of said sensor, and the one stored in protected form, forming the numeric information, in the microprocessor of the document (10).
5. The system according to one of the preceding claims, characterized in that said means for validating the use of the credit instruments or documents (12) comprise a personal computer (40) connected to the information system SI of the issuing institution through a communication line (42), a reader of the personalized document (10), a biometric sensor (46) and a printer (48) provided with graphic modality for invalidating said credit instruments (12) in case of positive recognition following the comparison between the print of the holder, who puts the live finger on a seat (50) of the same sensor, and the one stored in protected form, forming the numeric information, in the microprocessor of the document (10).
6. The system according to one or more of the preceding claims, characterized in that said credit instruments or documents (12) are made up by a paper support on which there is obtained a security print (14) in reflecting or metallic ink, having two or more zones with different light reflection, said zones being formed by alternating embossed or hollow sector each sector consisting of a group of lines, the lines of a group being differently oriented with respect to the lines of the adjacent groups.
7. The system according to one or more of the preceding claims, characterized in that said means for the release of the personalized document (10), the second means for the issue of registered credit instruments or documents (12) and the third means for the validation to the use of the issued registered instruments or documents are integrated in one apparatus.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| ITMI95A002105 | 1995-10-13 | ||
| IT95MI002105A IT1277257B1 (en) | 1995-10-13 | 1995-10-13 | SYSTEM FOR THE SECURITY AUTHENTICATION AND MANAGEMENT OF SECURITIES AND NAME DOCUMENTS |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CA2234577A1 true CA2234577A1 (en) | 1997-04-24 |
Family
ID=11372360
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CA002234577A Abandoned CA2234577A1 (en) | 1995-10-13 | 1995-12-18 | System for the safe authentication and management of registered credit instruments and documents |
Country Status (9)
| Country | Link |
|---|---|
| EP (1) | EP0855070A1 (en) |
| AR (1) | AR000830A1 (en) |
| AU (1) | AU4305296A (en) |
| BR (1) | BR9510650A (en) |
| CA (1) | CA2234577A1 (en) |
| IT (1) | IT1277257B1 (en) |
| MX (1) | MX9802873A (en) |
| TN (1) | TNSN96070A1 (en) |
| WO (1) | WO1997015032A1 (en) |
Families Citing this family (8)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US6424249B1 (en) * | 1995-05-08 | 2002-07-23 | Image Data, Llc | Positive identity verification system and method including biometric user authentication |
| US6362893B1 (en) | 1998-03-06 | 2002-03-26 | Fargo Electronics, Inc. | Security printing and unlocking mechanism for high security printers |
| FI117077B (en) * | 1998-10-14 | 2006-05-31 | Sonera Smarttrust Oy | Method and system for applying the security marking |
| 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 |
| AUPQ564400A0 (en) | 2000-02-16 | 2000-03-09 | Ong, Yong Kin (Michael) | Electronic credit card-ecc |
| US8322606B2 (en) | 2000-02-16 | 2012-12-04 | Ong Yong Kin Michael | Electronic credit card—ECC |
| US7107245B1 (en) * | 2000-04-20 | 2006-09-12 | Gaming System Technologies, Llc | Biometric gaming access system |
| CN113808307B (en) * | 2021-09-19 | 2022-11-22 | 安徽江淮汽车集团股份有限公司 | Emergency unlocking control method based on credit vehicle locking function |
Family Cites Families (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| DE2119491A1 (en) * | 1971-04-21 | 1972-11-09 | Ostertag-Werke Ag, 7080 Aalen | System for the distribution of units of value |
| FR2528197B1 (en) * | 1982-06-08 | 1986-12-05 | Grafeille Jean Marie | METHOD FOR CONTROLLING THE USE OF RESERVED DOCUMENTS, DOCUMENTS AND DEVICES FOR IMPLEMENTING SAME |
| FR2581776B1 (en) * | 1985-05-09 | 1990-12-07 | Bertin & Cie | METHOD AND DEVICE FOR THE ESTABLISHMENT AND CONTROL OF A DOCUMENT FOR USE RESERVED TO ITS HOLDER, AND DOCUMENT THUS ESTABLISHED |
| GB2256170A (en) * | 1991-05-02 | 1992-12-02 | William Robert Brandes | Integrated circuit card with fingerprint verification. |
| US5157726A (en) * | 1991-12-19 | 1992-10-20 | Xerox Corporation | Document copy authentication |
| IT1255617B (en) * | 1992-09-29 | 1995-11-09 | Franco Russi | PERFECTED METHOD FOR THE CREATION OF CREDIT SECURITIES IN GENERAL AND DEVICE FOR CORRECT RECOGNITION OF THEIR OWNERSHIP. |
| BR9408614A (en) * | 1994-08-10 | 1997-11-04 | Prima Officina Carte Valori Tu | Document or credit card and equipment for issuing personalized document or card or credit document and for document or credit card validation |
-
1995
- 1995-10-13 IT IT95MI002105A patent/IT1277257B1/en active IP Right Grant
- 1995-12-18 BR BR9510650-2A patent/BR9510650A/en unknown
- 1995-12-18 EP EP95941724A patent/EP0855070A1/en not_active Withdrawn
- 1995-12-18 AU AU43052/96A patent/AU4305296A/en not_active Abandoned
- 1995-12-18 WO PCT/EP1995/005015 patent/WO1997015032A1/en not_active Application Discontinuation
- 1995-12-18 CA CA002234577A patent/CA2234577A1/en not_active Abandoned
-
1996
- 1996-01-29 AR ARP960101195A patent/AR000830A1/en unknown
- 1996-05-13 TN TNTNSN96070A patent/TNSN96070A1/en unknown
-
1998
- 1998-04-13 MX MX9802873A patent/MX9802873A/en unknown
Also Published As
| Publication number | Publication date |
|---|---|
| AU4305296A (en) | 1997-05-07 |
| AR000830A1 (en) | 1997-08-06 |
| ITMI952105A1 (en) | 1997-04-13 |
| IT1277257B1 (en) | 1997-11-05 |
| WO1997015032A1 (en) | 1997-04-24 |
| EP0855070A1 (en) | 1998-07-29 |
| BR9510650A (en) | 2000-10-31 |
| MX9802873A (en) | 1998-11-29 |
| ITMI952105A0 (en) | 1995-10-13 |
| TNSN96070A1 (en) | 1998-12-31 |
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Legal Events
| Date | Code | Title | Description |
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| EEER | Examination request | ||
| FZDE | Discontinued | ||
| FZDE | Discontinued |
Effective date: 20021218 |
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| FZDE | Discontinued |
Effective date: 20021218 |