EP0661677A2 - Méthode et dispositif pour l'identification du client à un guichet de banque automatique - Google Patents

Méthode et dispositif pour l'identification du client à un guichet de banque automatique Download PDF

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Publication number
EP0661677A2
EP0661677A2 EP94420364A EP94420364A EP0661677A2 EP 0661677 A2 EP0661677 A2 EP 0661677A2 EP 94420364 A EP94420364 A EP 94420364A EP 94420364 A EP94420364 A EP 94420364A EP 0661677 A2 EP0661677 A2 EP 0661677A2
Authority
EP
European Patent Office
Prior art keywords
image
interaction device
digital
customer interaction
transaction
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP94420364A
Other languages
German (de)
English (en)
Other versions
EP0661677A3 (fr
Inventor
Lawrence Allen C/O Eastman Kodak Co. Ray
Uszer Asher C/O Eastman Kodak Co. Teigman
Richard Nathan C/O Eastman Kodak Co. Ellson
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Eastman Kodak Co
Original Assignee
Eastman Kodak Co
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 Eastman Kodak Co filed Critical Eastman Kodak Co
Publication of EP0661677A2 publication Critical patent/EP0661677A2/fr
Publication of EP0661677A3 publication Critical patent/EP0661677A3/fr
Withdrawn legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/37—Individual registration on entry or exit not involving the use of a pass in combination with an identity check using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/207—Surveillance aspects at ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/0036—Checkout procedures
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G3/00—Alarm indicators, e.g. bells
    • G07G3/003—Anti-theft control

Definitions

  • This invention relates generally to the misuse of transaction cards and, more particularly. to the capture and recording of images using transaction cards at automated customer interaction device, e.g., automated teller machines (ATM machines).
  • automated customer interaction device e.g., automated teller machines (ATM machines).
  • automated customer interaction devices An increasing number of transactions are being processed by automated customer interaction devices. Typically these devices use a transaction card as a mechanism to access authorized services. Examples of such devices are automated teller machines, automated gasoline dispensing machines, vending machines, and automated retail check out devices. In the following description, the automated teller machines (or ATMs) will be used as an example of the application of the present invention.
  • ATM's are a popular and convenient means to access personal financial resources, such as checking and savings accounts.
  • the number of ATM transactions has been estimated to be 7.2 billion. While the ease of access is a great benefit to the majority of customers, there is a growing amount of fraud associated with this service. Since the transactions do not require direct intervention of bank personnel and transactions occur at any time of day, a method to record an image of the person making the transaction offers a means to counteract the fraud.
  • PIN Personal-Identification-Numbers
  • an ATM machine has a digital camera associated therewith.
  • the digital camera under program control, records the visual image of the customer requesting the transaction.
  • the digital visual image can be compressed and stored.
  • the digital image can be retrieved and reconstructed and the customer/participant in the transaction identified.
  • the ATM machine of the present invention advantageously provides that an image of a customer associated with each transaction is maintained. Many disputes can be resolved with the availability of an image of the transaction participant. When a fraudulent transaction is identified, the image of the person involved in the transaction is available for identification. Compression technology has adequate image quality and processing speed to have negligible impact on the customer. Security is improved over a system relying only on the PIN approach.
  • FIG. 1 is a block diagram of the components associated with the ATM machine.
  • Figure 2 illustrates the procedure for providing a visual record of a transaction according to the present invention.
  • An ATM is equipped with a telecommunications link to the financial institution in order for a pending transaction to be processed. Information regarding the account and the type and amount of the transaction are all handled over this digital communications link.
  • the bank keeps current records of the transaction and the status of the customer's accounts through a dynamic financial database.
  • PIN Personal-Identification-Number
  • This means of security is quite fragile and is prone to being compromised by many techniques, including customer carelessness.
  • the telecommunications link could be used for other means of security besides the PIN procedure.
  • the link can be used to transmit recorded image between the ATM machine and the financial institution.
  • the preferred embodiment of this invention provides for the installation of a digital camera within the ATM.
  • the digital camera records an image of the customer.
  • the image can be compressed, stored either in the ATM itself or at a nearby location
  • the digital camera image can be accessed by the financial institution over the ATM network if desired.
  • a data-base management system can be included as part of the software operating on the ATM being used to manage the collection of images.
  • images captured by a digital camera with an NTSC resolution of 768 x 512 pixels can be compressed at a ratio of 30:1.
  • compression ratios can be achieved using one of many possible compression algorithms, algorithms such as those contained in the Joint Photographic Experts Group (JPEG) standard.
  • JPEG Joint Photographic Experts Group
  • the compressed image requires approximately 13,000 bytes of data.
  • Application specific integrated circuits (ASIC's) have been developed capable of compressing images at nearly 10 million pixels/second.
  • the preferred size of the image is sufficiently small such that the time required for compression can be considered insignificant in comparison to the average ATM transaction time.
  • the typical ATM processes approximately 7,000 transactions per month.
  • the storage mechanism can be selected after determining the anticipated utilization of the ATM, the size of the image, and the desired length of time an image is to be archived. Clearly, the longer the archival period, the larger the needed capacity of the image storage device. The same requirement for large storage capacity can be inferred by those ATM's having a higher utilization. Many devices are commercially available with enough capacity to provide an archival record of three months of ATM transaction images and still have sufficient capacity to hold the database management system for the image storage.
  • the image may be purged from the system and the archival space reused for other images.
  • the information can be archived off-line for a selected period.
  • the design requirements and storage requirements for active storage should be adequately below capacity in order to prevent an overflow of images in the storage facility.
  • the ATM device 10 has a customer interface device 19 which responds activity by a customer and which can provide information and materials (e.g., transaction receipt, cash, etc.,) in response to the customer activity.
  • the ATM device 10 includes a still-frame digital camera 11 (substituted for the typical analog video device) which, under control of the ATM control software 15, records images during an interaction between a transaction card carrier and the ATM machine.
  • the digital image recorded by the digital camera 11 is compressed by image compression procedure 12.
  • the compressed image resulting from compression procedure 12 is stored in the image data 14 under the control of the data-base manager 13.
  • the data-base manager will be catalogued and inserted in the image data-base 14.
  • the ATM control software 15 will conduct the normal financial interactions with the financial institution 17 via a remote access link 16.
  • the data-base manager has the additional responsibility of maintaining the image data-base 14 and purging any images which have resided in the image data-base 14 for beyond the retention period.
  • the query is transmitted to the ATM 10 via a remote access link 16 to the ATM control software 15.
  • the ATM control software 15 accesses the data-base manager to search for the desired catalog information and to retrieve the desired image.
  • the desired image is transferred to the financial institution 17 under the control of the ATM control software 15.
  • the image is decompressed and the reconstructed image is used for its intended purpose.
  • the compression facility 12 can be a software program or can be a dedicated microprocessor chip. In either implementation, the compression facility operates under the control of the ATM control software.
  • the data-base manager is typically a software program operating under the control of the ATM control software.
  • the image data-base would typically be stored in a hardware apparatus.
  • step 201 the customer implements a log-on procedure in order to request a selected activity, e.g., withdrawal of cash from the machine.
  • step 202 the ATM control software 15 determines whether the requested activity is such that a transaction recording should be made.
  • the log-on procedure mandates the requisite security arrangements.
  • the requested activity is implemented by the system.
  • step 204 a digital image of the customer is recorded in step 204.
  • step 205 a determination is made whether the recorded digital image is acceptable. When the digital image is not acceptable, then, an alternative procedure is implemented.
  • the alternative procedure can include attempting to record the image a second time or can be a termination of the interaction of ATM machine with the current customer.
  • step 207 when the image is determined to be acceptable, then the image is compressed and stored in the ATM machine and the requested activity is implemented.
  • the technique includes recording a digital image of the customer.
  • the digital image can be compressed and stored in the ATM machine for a predetermined time period.
  • the digital image which has been stored in the ATM machine, is retrieved and can be transmitted to the central location. Because the image is compressed, the transmission of selected (compressed) images over the communications link does not appreciably add to the traffic.
  • the digital images can be compressed, the on-site storage requirements for the accumulated recorded images can be met with commercially available equipment.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Human Computer Interaction (AREA)
  • Collating Specific Patterns (AREA)
  • Information Retrieval, Db Structures And Fs Structures Therefor (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Closed-Circuit Television Systems (AREA)
EP94420364A 1993-12-28 1994-12-20 Méthode et dispositif pour l'identification du client à un guichet de banque automatique. Withdrawn EP0661677A3 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US17456293A 1993-12-28 1993-12-28
US174562 1993-12-28

Publications (2)

Publication Number Publication Date
EP0661677A2 true EP0661677A2 (fr) 1995-07-05
EP0661677A3 EP0661677A3 (fr) 1995-12-20

Family

ID=22636615

Family Applications (1)

Application Number Title Priority Date Filing Date
EP94420364A Withdrawn EP0661677A3 (fr) 1993-12-28 1994-12-20 Méthode et dispositif pour l'identification du client à un guichet de banque automatique.

Country Status (2)

Country Link
EP (1) EP0661677A3 (fr)
JP (1) JPH07234958A (fr)

Cited By (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1998001838A1 (fr) * 1996-07-10 1998-01-15 Vizicom Limited Systeme et procede de surveillance video
EP0962894A2 (fr) * 1998-05-30 1999-12-08 Neil James Stevenson Système de surveillance de l'entrée/sortie de véhicules
EP1073022A2 (fr) * 1999-07-26 2001-01-31 Fujitsu Limited Machine à transactions automatique
WO2003021545A1 (fr) * 2001-08-30 2003-03-13 Fujitsu Limited Appareil de transaction automatique de monnaie, et unite de monnaie de papier a camera integree
US6671389B1 (en) * 2000-04-27 2003-12-30 International Business Machines Corporation Method and system for detecting digital camera failure
EP1486923A2 (fr) * 2003-06-12 2004-12-15 Hitachi, Ltd. Système de transactions pour le versement et le retrait bancaire de billets de banque
US7015945B1 (en) 1996-07-10 2006-03-21 Visilinx Inc. Video surveillance system and method
EP1704514A2 (fr) * 2003-09-03 2006-09-27 Spectrum Tracking Systems, Inc. Systeme d'identification et de recuperation des fraudes
EP1709556A1 (fr) * 2003-12-23 2006-10-11 Trust Digital, LLC Systeme et procede pour mettre en oeuvre une politique de securite sur des dispositifs mobiles en utilisant des profils de securite generes dynamiquement
WO2008023114A1 (fr) * 2006-08-22 2008-02-28 Compagnie Industrielle Et Financiere D'ingenierie 'ingenico' Terminal de paiement electronique biometrique et procede de transaction
WO2008061553A1 (fr) * 2006-11-24 2008-05-29 Maku Informationstechnik Gmbh Automate de distribution d'argent, de caisse ou de change
US20090033489A1 (en) * 2007-08-02 2009-02-05 Ncr Corporation Terminal
DE102007051179A1 (de) * 2007-10-25 2009-04-30 Giesecke & Devrient Gmbh Verfahren und Vorrichtung zur Rückverfolgung von Wertdokumenten
US7865938B2 (en) 2002-08-27 2011-01-04 Mcafee, Inc. Enterprise-wide security system for computer devices
US8572676B2 (en) 2008-11-06 2013-10-29 Mcafee, Inc. System, method, and device for mediating connections between policy source servers, corporate repositories, and mobile devices
US11096054B2 (en) 2006-10-23 2021-08-17 Mcafee, Llc System and method for controlling mobile device access to a network

Families Citing this family (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2002312579A (ja) * 2001-04-11 2002-10-25 Ufj Bank Ltd 届出処理方法、届出処理システム、口座開設方法、届出システム、届出方法、及び届出処理プログラム
WO2006093917A2 (fr) 2005-02-28 2006-09-08 Trust Digital Systeme et procedes permettant de securiser des donnees mobiles
US8935384B2 (en) 2010-05-06 2015-01-13 Mcafee Inc. Distributed data revocation using data commands

Citations (5)

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Publication number Priority date Publication date Assignee Title
US4703347A (en) * 1985-03-25 1987-10-27 Matsushita Electric Works, Ltd. Individuality discriminating system
EP0332161A2 (fr) * 1988-03-09 1989-09-13 Robot Foto & Electronic GmbH & Co KG Dispositif de surveillance pour sécurité de distributeurs automatiques
JPH0488472A (ja) * 1990-07-25 1992-03-23 Fujitsu General Ltd データ記録装置
JPH04239993A (ja) * 1991-01-24 1992-08-27 Nec Eng Ltd 防犯装置
WO1993019467A1 (fr) * 1992-03-26 1993-09-30 Solid State Logic Limited Detection de changements de scene

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4703347A (en) * 1985-03-25 1987-10-27 Matsushita Electric Works, Ltd. Individuality discriminating system
EP0332161A2 (fr) * 1988-03-09 1989-09-13 Robot Foto & Electronic GmbH & Co KG Dispositif de surveillance pour sécurité de distributeurs automatiques
JPH0488472A (ja) * 1990-07-25 1992-03-23 Fujitsu General Ltd データ記録装置
JPH04239993A (ja) * 1991-01-24 1992-08-27 Nec Eng Ltd 防犯装置
WO1993019467A1 (fr) * 1992-03-26 1993-09-30 Solid State Logic Limited Detection de changements de scene

Non-Patent Citations (2)

* Cited by examiner, † Cited by third party
Title
PATENT ABSTRACTS OF JAPAN vol. 016 no. 313 (P-1383) ,9 July 1992 & JP-A-04 088472 (FUJITSU GENERAL LTD) 23 March 1992, *
PATENT ABSTRACTS OF JAPAN vol. 017 no. 007 (P-1465) ,7 January 1993 & JP-A-04 239993 (NEC ENG LTD) 27 August 1992, *

Cited By (26)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7304662B1 (en) 1996-07-10 2007-12-04 Visilinx Inc. Video surveillance system and method
WO1998001838A1 (fr) * 1996-07-10 1998-01-15 Vizicom Limited Systeme et procede de surveillance video
US7015945B1 (en) 1996-07-10 2006-03-21 Visilinx Inc. Video surveillance system and method
EP0962894A2 (fr) * 1998-05-30 1999-12-08 Neil James Stevenson Système de surveillance de l'entrée/sortie de véhicules
EP0962894A3 (fr) * 1998-05-30 2000-02-23 Neil James Stevenson Système de surveillance de l'entrée/sortie de véhicules
EP1073022A2 (fr) * 1999-07-26 2001-01-31 Fujitsu Limited Machine à transactions automatique
EP1073022A3 (fr) * 1999-07-26 2005-02-02 Fujitsu Limited Machine à transactions automatique
US6671389B1 (en) * 2000-04-27 2003-12-30 International Business Machines Corporation Method and system for detecting digital camera failure
WO2003021545A1 (fr) * 2001-08-30 2003-03-13 Fujitsu Limited Appareil de transaction automatique de monnaie, et unite de monnaie de papier a camera integree
US9998478B2 (en) 2002-08-27 2018-06-12 Mcafee, Llc Enterprise-wide security for computer devices
US7865938B2 (en) 2002-08-27 2011-01-04 Mcafee, Inc. Enterprise-wide security system for computer devices
EP1486923A2 (fr) * 2003-06-12 2004-12-15 Hitachi, Ltd. Système de transactions pour le versement et le retrait bancaire de billets de banque
EP1486923A3 (fr) * 2003-06-12 2010-07-28 Hitachi-Omron Terminal Solutions, Corp. Système de transactions pour le versement et le retrait bancaire de billets de banque
CN101567112B (zh) * 2003-06-12 2012-07-18 日立欧姆龙金融系统有限公司 纸币交易系统
EP1704514A2 (fr) * 2003-09-03 2006-09-27 Spectrum Tracking Systems, Inc. Systeme d'identification et de recuperation des fraudes
EP1704514A4 (fr) * 2003-09-03 2008-07-02 Spectrum Tracking Systems Inc Systeme d'identification et de recuperation des fraudes
EP1709556A1 (fr) * 2003-12-23 2006-10-11 Trust Digital, LLC Systeme et procede pour mettre en oeuvre une politique de securite sur des dispositifs mobiles en utilisant des profils de securite generes dynamiquement
EP1709556A4 (fr) * 2003-12-23 2011-08-10 Trust Digital Llc Systeme et procede pour mettre en oeuvre une politique de securite sur des dispositifs mobiles en utilisant des profils de securite generes dynamiquement
WO2008023114A1 (fr) * 2006-08-22 2008-02-28 Compagnie Industrielle Et Financiere D'ingenierie 'ingenico' Terminal de paiement electronique biometrique et procede de transaction
US11950097B2 (en) 2006-10-23 2024-04-02 Skyhigh Security Llc System and method for controlling mobile device access to a network
US11096054B2 (en) 2006-10-23 2021-08-17 Mcafee, Llc System and method for controlling mobile device access to a network
WO2008061553A1 (fr) * 2006-11-24 2008-05-29 Maku Informationstechnik Gmbh Automate de distribution d'argent, de caisse ou de change
US20090033489A1 (en) * 2007-08-02 2009-02-05 Ncr Corporation Terminal
US9019066B2 (en) * 2007-08-02 2015-04-28 Ncr Corporation Terminal
DE102007051179A1 (de) * 2007-10-25 2009-04-30 Giesecke & Devrient Gmbh Verfahren und Vorrichtung zur Rückverfolgung von Wertdokumenten
US8572676B2 (en) 2008-11-06 2013-10-29 Mcafee, Inc. System, method, and device for mediating connections between policy source servers, corporate repositories, and mobile devices

Also Published As

Publication number Publication date
EP0661677A3 (fr) 1995-12-20
JPH07234958A (ja) 1995-09-05

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