EP0855070A1 - 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

Info

Publication number
EP0855070A1
EP0855070A1 EP95941724A EP95941724A EP0855070A1 EP 0855070 A1 EP0855070 A1 EP 0855070A1 EP 95941724 A EP95941724 A EP 95941724A EP 95941724 A EP95941724 A EP 95941724A EP 0855070 A1 EP0855070 A1 EP 0855070A1
Authority
EP
European Patent Office
Prior art keywords
documents
holder
document
instruments
credit
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Withdrawn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
EP95941724A
Other languages
German (de)
French (fr)
Inventor
Ferdinando Antonio Bozzo
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.)
Nadir Technology Co Ltd
Original Assignee
Nadir Technology Co Ltd
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 Nadir Technology Co Ltd filed Critical Nadir Technology Co Ltd
Publication of EP0855070A1 publication Critical patent/EP0855070A1/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically

Definitions

  • This invention relates to a system for the safe authentication and mana ⁇ ement of registered credit instruments and documents. More particularly, this invention relates to a system suitable to identify with the utmost certaintv the possessory title of a document- winch is univocally associated to the legitimate holder on the basis of a personalized card.
  • this invention relates to the apparatuses for issuing the personalized card and the document and for the validation of the litter, with the ascertainment of its authenticity on its u il ization.
  • a y how, th*" > same svstem of authentication and management may be util r" 1 ⁇ foi any other credit instruments, such r, cheques, share certificates, certificates of indebtedness, savings books and the like, as well as personal documents o r Dersonal identi ⁇ fication documents, of the kind, for instance, of credit cards, passports, identity ca rds and driving licences.
  • Another form of payment is based on the use of credit cards, which authorize the holder to purchase goods or services with third parties havi nq an arran ⁇ emcnt w th the issuer of said cards, to which the charge of the payment is transferred. But also this form of payment is not tree from risks, as the credit card mav ciet lost or be stealcd and unlawfully utilized, even though temporarily, by non authorized third parties.
  • the aforementioned payment forms widely alopted, allow to limit the suoply of cash, which however is stil l the more practical and direct and sometimes compulsory s y stem to execute commercial transactions whose amount is not alwayr -mail. Obviously the possession of cash gives rise to fairly rcriou?.
  • said credit instrument provides guarantees of utmost security, as it cannot be utilized by a person other than the holder, and also the person who receives the payment has the utmost guarantees, as there is the certainty of the authentici y of the the instru ⁇ ment, substantially assim lable to cash.
  • Obier et this invention is therefore to provide a system for th ⁇ au hentication and management of registered credit instru ⁇ ment-, and documents, such as to provid' the utmost security qu ⁇ r c ⁇ usin ⁇ them to be utilizable only by the holder o whom t '.' hive ⁇ n 1coii tima el -' issued .
  • a furth-T obicct of this invention is to provi e said credit instrum e n s associated to the economic transaction o r said rc ⁇ is "rr i documents o r identity documents with a security print i ndi "> 1 u lv associated to the paper support forminci said inst ⁇ rument o r document.
  • furth-r object of this invention is to realize simple appara ⁇ tuses for carrying out the different st ⁇ qes of the system which a low.” to implement the above defined system.
  • first means for releasing said personalized document to the holder second means for issuing re ⁇ istered credit instruments or documents; and third means to validate the use of the instruments or docu ⁇ ments, "11 of said means being associated to an information ⁇ .'Stem 11 -I nro> ⁇ d- w h : -ie ice allowing to acquire at least a biometric characte i s c of the holder ;
  • ⁇ -sued instruments and documents com risin ⁇ at least a securit y code uni ocallv generated by utilizing the personal den i t rat ion rode as a cryptoqraohic key; said in+ormation beinq associated to a mathemati al expression t th -lira concrrnina thr 1 fingerprint of at least one live finqr r r* the holder of said personalized instrument or docu ment ; the reeo ⁇ nition of thr holder, both for th?
  • Fiq. 1 shows the block diagram of the issue stage of the perso ⁇ nalized card
  • Fi ⁇ . ? shows the block diagram of the issue stage of the credit instrument, based on said personalized card
  • Fi ⁇ . ⁇ - shows the block diagram of the validation stage of the credit instrument associated to the personalized card.
  • the system for the safe a u entication and management of reqistered credit instru ⁇ ments and documents subject matter of this invention comprises basically a personalized document 10 and a paper support forming the rr di t instrument 12.
  • the personalized document or smart- card 10 formed, by way of example, by a card having dimensions simili- to those of the conventional credit cards, incorporates a rri ei-ooi o ⁇ e-.- r wherein here- a,c stored ⁇ pc ⁇ sonal identifica t ion i- r - rTP and m" themati c11 expression associated to at least on" 1 finqcrprint of the pc rzon who rrquires of the issuing institution, for instance a ban 1 .
  • said card 10 to utilize the system subject matter of this invention referred to a credit instrument to perform commercial transactions.
  • the personal identification code CIP for instance in the form of an alphanu ⁇ meric ⁇ !
  • the microprocessor of card 10 is advantageously formed by an algorithm of the DES type (Data Encryption Standard), which allows to tranzcode the parameters associated to the fingerprint of one o r more fingers of the applicant, forming therefore a unique feature of the same.
  • DES Data Encryption Standard
  • the credit instrument 12 which is the nif ⁇ ns for the execution of the economic transaction through the svstem subject matter of this invention, is formed by a support, preferably from paper, whose scheme is shown in Fi ⁇ s. 2 and 7.
  • the support forminq the credit instrument or security 12 is provided with a security print 14, of any shape and size, made up by two o r more zones w th different light reflection: said zones are formed bv an alternation of embossed and hollow sectors, circum- scri --d by approached lines differently oriented by groups relatively to one another.
  • Impression 14 as a whole is obtained in roflc-.tinq or metallic inf , through offset and dry copper ⁇ plate printing processes.
  • the first apparatus shown as a scheme in Fi ⁇ . 1, allows to reali- ⁇ th" startino stage of the system of this invention, issuin-i the document o r personalized card 10.
  • Said apparatus comprises a personal computer 16, connected to the information system ST of the issuinq institution, for instance a bank, throuoh a communication line IS; the information system SI checks, throuqh the connection with the anagraphical file and current accounts file of the institution or body issuing card 10, the existence of the corresponding data (particulars and ro ie o s title of the applicant) relative to the person re ui ri n ⁇ sa d c : ⁇ r d .
  • Th apparatus comp ises also a reader/encoder 20 of card 10 to be personalized, an a biometric identity sensor 22.
  • the reader/encoder 20 connected to the porsorial computer 16 and consequently to the information system ⁇ 1 thrnin line 18, receives from the latter the personal iden ⁇ tification code CIP; the biometric sensor 22, connected to or inteerat-'d in the reader -encoder 20, senses and tr ⁇ nscocles the Pi int or fingerprints of the applicant, who puts the finger or finoer in sequence on a special seat 24 obtained on the same sensor 22.
  • the latter is obviously provided with one or more openinos (not shown) for the introduction and coming out of card 10 to be personalized.
  • the a- or ⁇ tus sc hem ⁇ t ic ⁇ l 1.' shown in riq 2 which realizes the sreoi ! - 1 a ⁇ - 1 of the -.v tem subierf n tter of this invention issuii - ⁇ the or dit instrument 12 based on the data of c:rd 10, is su -.t inti al ly formed by ths same components as the preceding lo ar n' , with thr- add tion of a prin er .
  • said rpp-r-fiis compi ises a personal computr r 2c connected to the information system SI of the issuing institution through ⁇ commun i cation line 28 and a software programme SW3, a reader 30 of th- personalized smart-card 10, an identity reader or biome ⁇ tric s e nsor 32 having a seat 31 where the applicant puts the finqsr o r fingers, nd a pri nter 36, prefer bl an in jet printer with graphic printing modalities.
  • Said printer prsnts in crvptoqraohie-i form, on the paper support forming the credit instrument 12 which is inserted in it, a security code formed on the basis of the data existing on card 10, authenticating said instru ent .
  • Printer 36 is provided with a conventional openinq(s) (not shown) for the introduction and coming out of the c edit instrument 12 to be authenticated.
  • a third apparatus is provided, schematically shown in Fiq. 3 analogous to the preceding one and provided with further functions, being utilized in the last stage on the utilization and - ⁇ I -i 'at i on of the credit instrument 12.
  • the latter is.
  • the binii t ie sensor comprised in al l the above descri ed ⁇ p of ⁇ 'oos. is substantially m.ida UP '• > ⁇ ,> ' terminal controlled by an ' ⁇ ⁇ iilt-in microprocessor specialized for the check of the identif based on the bio etric ⁇ l data of the fin ⁇ rs and the t p chno n.' of the card.
  • the first stage is associated with the issue of card 10, which has preferably a temporary validity; t h rough the apparatus schematically shown in Fig. 1, card J ⁇ "> ⁇ be personalized is intro uced, throuqh a special slit ' not shown) , in the reader /encoder 20.
  • connection is r,ad with the informa on r - '-+ em f ;T of the issuin institution m, ou ⁇ h the communica ⁇ tion line 18, to reco rd the issuing operation of card 10 and to receive from the same system thr personal iden ification code CIP of the project- ' t Sai ' 1 code is sto ed in t h" mi eroorcessor of card 1 . , / thj re ⁇ d ⁇ r encoder 20 i a protested manner, prefera ⁇ bl i e form of an ⁇ l oh numeric ⁇ l seou" ⁇ * ⁇ -- .
  • th -1 a" i ' '-ati ⁇ puts ⁇ ho fin ⁇ c- on se: t 71 ⁇ - ' ttic biometric sensor 22; tfie print, or possibly several print -, cor responding to a", mans' f inqers, are stored in the microprocessor of card 10 in transcoded and protected form with the parson: 1 identification code CIP.
  • further indications are preferably "tor cd in card 10, such as, for instance, the expiry date of t - same card nd the part r- ⁇ rs of the client other data
  • card 10 ie univocalls personalized and allows to start the second stage which, through the apparatus schematically shown in Fiq. 2, causes the issuinq of the credit instrument or document 12, introduced in pr inter 36.
  • the entio ned security print 14 in metallic or reflecting ink is already present on the paper support forming said instrument.
  • printer 36 a security code is prin ⁇ ted, for instance of the known type PDF 417, subdivided into two part ⁇ th-t are not interpretable at sight: the first part of said co ⁇ . ⁇ > includes all the data relating to the release of the instrument (for instance, data and place of issue, institution and branch, document number, etc.
  • the second part of the code comprises the same data as the first one, expressed in rrv OQi aohied form by means of the key formed by the personal identification code CIP, which can be univocally associated as such to the person requiring the credit instrument 12.
  • the system subject matter of this invention be limited to the credit institutions where the two first apparatu- ses a re. installed, also the third apparatus will be installed in the same institutions o r with a branch.
  • the owner of the perso ⁇ nalized instrument 12 introduces preliminarily in reader 44 of said ap p ar tus his card 10 and at the same time or immediately after, uts his finger on seat 50 of the biometric sensor 46, for the validation of his print against the one stored in pro ⁇ tected form in the microprocessor of the same card.
  • reader 44 reads on card 10 the personal i dent.i ri cation code CIP of the owner of instrument 12, which is adopted as a key to check the consistency between the two parts of th"- --•eurity code, utilizinci the same mathematical expression of c? 'P oqraph used on the issue ot sai instrume t.
  • the pori tive r oroqni t.i on based on the univocal aspect of the finger ⁇ print, wi * ⁇ h the contextual activation of the other two elements, eorifii i -. the val dity of document 12, e ludin any illicit util isa ion of the same.
  • pr inter 4f! can provide to the i nv 1.1 i .-iit.i on of instrument 12, while the personnel of the; branch ass. i or, • ; the sum of money corresponding to the -.' ⁇ lue of said instrument, or validates the authentication of the person.
  • the irival i d ⁇ tion stage of the credit instrument is made by printing on he o-o r support forming the same instrument a writing, for inst ⁇ nc" " negotiated" or "paid” through said printer 43.
  • the eomriuni cation line 42 connected to the information system SI, also this ending stage of the t ansac ion is recorded.
  • the system for the authen- tin i -- -nd m ⁇ n ⁇ oment of re ⁇ istered credit instruments and document- subject matter of this invention provides guarantees of utmost security; in fact , the issued instruments can be e ⁇ c c-i only bs' the le ⁇ iti ate holder based on a precise and univpe-.l check .
  • Ths a ' ⁇ "atita ⁇ s of said system which, as descr ibed above, may be adopted to prevent the ris 1 connected to the circulation of any r-qisf' f -I credit instrument or document, are especially evident if s ⁇ ins rumen t attributes the aolcler tlr ⁇ eaiv availability of ⁇ a i -/ -11 amount of money; in fact, the same holder can readily o ⁇ >s11 tie cor respond i n ⁇ sum with any bo dv havino entered an -iqrec-it- ⁇ t with tla- ssuer , disoosin ⁇ of cash in hand, without riinn ns aris' r sl .

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  • 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

SYSTEM FOR THE SAFE AUTHENTICATION AND MANAGEMENT OF REGISTERED CREDIT INSTRUMENTS AND DOCUMENTS
This invention relates to a system for the safe authentication and manaαement of registered credit instruments and documents. More particularly, this invention relates to a system suitable to identify with the utmost certaintv the possessory title of a document- winch is univocally associated to the legitimate holder on the basis of a personalized card.
Beside", this invention relates to the apparatuses for issuing the personalized card and the document and for the validation of the litter, with the ascertainment of its authenticity on its u il ization.
Conner inn reqisterc-d documents, special reference is made to a soecifir credit instrument uti livable for commercial transac¬ tions which are executed with the utmost security, as the possi¬ bili y nf an illicit use of said instrument by third parties due to loss or steal ino - is excluded.
A yhow, th*"> same svstem of authentication and management may be util r"1^ foi any other credit instruments, such r, cheques, share certificates, certificates of indebtedness, savings books and the like, as well as personal documents o r Dersonal identi¬ fication documents, of the kind, for instance, of credit cards, passports, identity ca rds and driving licences.
Several methods a rc known for the execution of the commercial transactions that involve the transfer of money between persons. Manv transactions take place without any material transfer of currenrv, tor instance throuαh a ban,1- which sees directly, upon request by the concerned person, to crediting the indicated person with a given sum. In other cases, the payment is through credit instruments, for instance bank cheques or bank drafts, relatively to which spe¬ cial cautions are adopted, to try to avoid their forgery or stealinq and their illicit utilization.
Another form of payment is based on the use of credit cards, which authorize the holder to purchase goods or services with third parties havi nq an arranαemcnt w th the issuer of said cards, to which the charge of the payment is transferred. But also this form of payment is not tree from risks, as the credit card mav ciet lost or be stealcd and unlawfully utilized, even though temporarily, by non authorized third parties. The aforementioned payment forms, widely alopted, allow to limit the suoply of cash, which however is stil l the more practical and direct and sometimes compulsory system to execute commercial transactions whose amount is not alwayr -mail. Obviously the possession of cash gives rise to fairly rcriou?. security pro¬ blems; in fact, stealcd nr lost current ' < r- n be easily used by anyone .-lonorallv without problems, as nM ven the guarantees e ist th t sαfrciuαr "i somehow or other thr e t c,ι ilαt 1on of cheques and rr (■'-'' t cards.
With en earlier. pa ent application, th^ same applicant has intended to protect a system for commercial transactions suita¬ ble to obviate the aforementioned drawbαc1 ' , providing for the use of a personalized card integrating a microprocessor wherein a personal cod? and information are stored deriving from the appl ication of a mathematical e pressio to the parameters referred to the fingerprint of at least 3 finger of the holder of the same card: based on such document, α credit instrument is issued, which can be associated only to the holder, and which may be, by way of example, a cheque for a given sum, validable with businesses that have stipulated an agreement with the issuer, on the conclusion of the commercial transaction. Thanks to the provision of the personal code and especially the tran- scodiπα of the fingerprint integrated in the card, said credit instrument provides guarantees of utmost security, as it cannot be utilized by a person other than the holder, and also the person who receives the payment has the utmost guarantees, as there is the certainty of the authentici y of the the instru¬ ment, substantially assim lable to cash.
It r - be'->π stressed that this system is susceptible of modifi¬ cations which can furtherly improve its already hiqh level of αlo'rol s-curitv, allowing at the same time to create simple αp -; r - t 1 oes for the validation of thr e re Jit instrument or securi t- 1 e'- whose circulation is limited, by way of example, within the frame of this invention, to banks.
Obier et this invention is therefore to provide a system for thε au hentication and management of registered credit instru¬ ment-, and documents, such as to provid' the utmost security quαr cαusinσ them to be utilizable only by the holder o whom t '.' hive \τn 1coii tima el -' issued .
A furth-T obicct of this invention is to provi e said credit instrumen s associated to the economic transaction o r said rcαis "rr i documents o r identity documents with a security print i ndi "> 1 u lv associated to the paper support forminci said inst¬ rument o r document. furth-r object of this invention is to realize simple appara¬ tuses for carrying out the different stαqes of the system which a low." to implement the above defined system.
These ?nd still further objects are reached by the system for the safe authεtication and management of registered credit instruments and documents subject matter of this invention, compri i ng : a po-sonalized document incorporating a microprocessor suita¬ ble to store a personal identification code of the holder and a numeric information associated to biometric characteristics of the same holder;
- first means for releasing said personalized document to the holder ; second means for issuing reαistered credit instruments or documents; and third means to validate the use of the instruments or docu¬ ments, "11 of said means being associated to an information ^.'Stem 11 -I nro> ι d- w h : -ie ice allowing to acquire at least a biometric characte i s c of the holder ;
-aid ι-sued instruments and documents com risinα at least a security code uni ocallv generated by utilizing the personal den i t rat ion rode as a cryptoqraohic key; said in+ormation beinq associated to a mathemati al expression t th -lira concrrnina thr1 fingerprint of at least one live finqr r r* the holder of said personalized instrument or docu ment ; the reeoπnition of thr holder, both for th?1 issue of the instru¬ ment or -tocument and for the related validation, being obtained com ">■ * r inα the information got throuqh the direct reading of thα l v> finger of the holder and the application of the mαthe atic^i expression with the information stored in the perssnali- zed documents.
The characteristics of th= system for the safe authentication and management of registered credit instruments and documents subiect matter of this invention will be better understood from the following description, wherein reference is made to the attached drawings which show schematically a preferred non limitative embodiment of the same system, referred by way of examol e to a credit instrument, and wherein:
Fiq. 1 shows the block diagram of the issue stage of the perso¬ nalized card;
Fiα. ? shows the block diagram of the issue stage of the credit instrument, based on said personalized card;
Fiα. τ- shows the block diagram of the validation stage of the credit instrument associated to the personalized card. With reference to the aforementioned figures, the system for the safe au entication and management of reqistered credit instru¬ ments and documents subject matter of this invention comprises basically a personalized document 10 and a paper support forming the rr di t instrument 12. The personalized document or smart- card 10, formed, by way of example, by a card having dimensions simili- to those of the conventional credit cards, incorporates a rri ei-ooi o^e-.- r wherein here- a,c stored α pc< sonal identifica t ion i- r - rTP and m" themati c11 expression associated to at least on"1 finqcrprint of the pc rzon who rrquires of the issuing institution, for instance a ban1 . said card 10, to utilize the system subject matter of this invention referred to a credit instrument to perform commercial transactions. The personal identification code CIP, for instance in the form of an alphanu¬ meric^! sequence univocally associated to each holder, is gene¬ rated the information system of the issuer SI and sent to the apparatus for the personalization of card 10, of which more will be said in the following. The mathematical expression stored n the microprocessor of card 10 is advantageously formed by an algorithm of the DES type (Data Encryption Standard), which allows to tranzcode the parameters associated to the fingerprint of one o r more fingers of the applicant, forming therefore a unique feature of the same.
In the microprocessor of card 10 there are also stored, accor- dinα to a preferred non critical embodiment, particulars and tax number of the applicant, as well as the current account number, complete with the bank co-ordinates, for the domici1iation of the credit instruments to be issued and neqotiated. The credit instrument 12, which is the nif <ns for the execution of the economic transaction through the svstem subject matter of this invention, is formed by a support, preferably from paper, whose scheme is shown in Fiσs. 2 and 7. sh-p^d, by way of exam¬ ple, lil'c bank cheques o r drafts; anyhow, _>ai support may also '~> of di ffent size, as the system of this invention concerns in αone.ral a l of the credit instruments, is for instance savi ngs boo!--,, sha e and deposit certificates, besides the mentioned personal documents or personal identification documents . ccor • din., to α preferred embodiment, said supoor * h?s the configura¬ tion o-f a conventional cheque, fo, iiot ΌS from watermarked pap'-r, which is au henticated on the basis of the data previou¬ sly stored in the microprocessor of card 10. Jn particular , throuαh an apparatus of which more will b~. said in the follo- winα, α dot coding (not inter r otαbl e at siaht) is provided, a onq a nrefived field, on the paper suppor forming the credit nst ument. 12, which coding defines, for instance, the sssuinπ date, the code of the issuinq institution and the amount of said strument. T e same data ar also formed along a distinct field, e <pressed in cryptographic form through α key made1 up by the aforementioned personal identification code stored in card 10. Accordino to a further characteristic of the invention, the support forminq the credit instrument or security 12 is provided with a security print 14, of any shape and size, made up by two o r more zones w th different light reflection: said zones are formed bv an alternation of embossed and hollow sectors, circum- scri --d by approached lines differently oriented by groups relatively to one another. Impression 14 as a whole is obtained in roflc-.tinq or metallic inf , through offset and dry copper¬ plate printing processes. The characteristics of the mentioned secuntv print with which the support forming the credit inst¬ rument 12 is advantageously provided a re not described in de¬ tail , r>inq the subject matter of an autonomous patent applica¬ tion registered in Italy by the same applicant. for fh- implementation of the Ss'ste of this invention, by way of e.r i1? and not critically referred to -ι credit instrument to car i . ' 'if commercial transactions, specific apparatuses a rc suppli"--'. some of which have ready be-r, mentioned: there r c , LD o■> r r ι r i ii :.r , a fir~t apparatus αllowinα to issue the ς>3 rsona lized document , in the followin. i efe r : :, to s-s card, and α secon"1 apparatus which, against the rocoanition of the applicant throuσh the parameters stored in the microprocessor of sa d card, allows to issue the credit instrument and to authenticate it univocally. A third apparatus, described in detail later on, valid" t -, the instrument on its utilization, by means of a tri ano i1 tion.
The first apparatus, shown as a scheme in Fiσ. 1, allows to reali-^ th" startino stage of the system of this invention, issuin-i the document o r personalized card 10. Said apparatus comprises a personal computer 16, connected to the information system ST of the issuinq institution, for instance a bank, throuoh a communication line IS; the information system SI checks, throuqh the connection with the anagraphical file and current accounts file of the institution or body issuing card 10, the existence of the corresponding data (particulars and ro ie o s title of the applicant) relative to the person re ui ri nσ sa d c :\ r d . Th apparatus comp ises also a reader/encoder 20 of card 10 to be personalized, an a biometric identity sensor 22. The reader/encoder 20, connected to the porsorial computer 16 and consequently to the information system ^1 thrnin line 18, receives from the latter the personal iden¬ tification code CIP; the biometric sensor 22, connected to or inteerat-'d in the reader -encoder 20, senses and trαnscocles the Pi int or fingerprints of the applicant, who puts the finger or finoer in sequence on a special seat 24 obtained on the same sensor 22. The latter is obviously provided with one or more openinos (not shown) for the introduction and coming out of card 10 to be personalized.
The a- or ^tus sc hemαt icαl 1.' shown in riq 2 which realizes the sreoi ! - 1 aα-1 of the -.v tem subierf n tter of this invention issuii -< the or dit instrument 12 based on the data of c:rd 10, is su -.t inti al ly formed by ths same components as the preceding lo ar n' , with thr- add tion of a prin er . In deta l, said rpp-r-fiis compi ises a personal computr r 2c connected to the information system SI of the issuing institution through α communication line 28 and a software programme SW3, a reader 30 of th- personalized smart-card 10, an identity reader or biome¬ tric sensor 32 having a seat 31 where the applicant puts the finqsr o r fingers, nd a pri nter 36, prefer bl an in jet printer with graphic printing modalities. Said printer prsnts in crvptoqraohie-i form, on the paper support forming the credit instrument 12 which is inserted in it, a security code formed on the basis of the data existing on card 10, authenticating said instru ent . Printer 36 is provided with a conventional openinq(s) (not shown) for the introduction and coming out of the c edit instrument 12 to be authenticated.
For the implementation of the system subject matter of this invention a third apparatus is provided, schematically shown in Fiq. 3 analogous to the preceding one and provided with further functions, being utilized in the last stage on the utilization and -■ I -i 'at i on of the credit instrument 12. Said apparatus compr ises a personal computer 40 connected to the information svstr..,) c i of the issuing institution through a communication line 1" -=n a software programme SW , a reader 14 of smart-card 1 hϊ r.rnet ri r identity sensor with a scat 50 where the appli¬ cant put the finger or fingers, and a printer 48. The latter is. provided with a device which provides to the possible invalida¬ tion of the negotiated instrument 12. the binii t ie sensor , comprised in al l the above descri ed αp of ^ 'oos. is substantially m.ida UP '• >■,> ' terminal controlled by an '■πiilt-in microprocessor specialized for the check of the identif based on the bio etricαl data of the finσεrs and the tpchno n.' of the card. Both th" built- in application and the data reside in an internal PAM permanently fed by a lithium battery- the secur ty is ensured bv a built-in microprocessor arh b.' s built-in tamper proof security microprocessor, with secret "1 ' nyr ϊ n αo^n er,t and una1 te ι able . foi the DCS rypto- αraphy, permanently fed by thr lithium battery.
The system for the safe authentication and management of regi¬ stered credit instruments and documents subject matter of this invention is articulated, as concerns the development of the operations, according to the following modalities. Distinction is made, as specified above, between three different operating stages:
- issuinq of the personalized smart-card 10:
- issuino of the instrument, o r security 12 with security apposi¬ tion;
- treatment of instrument 12 with authentication of the hoLder. The first stage is associated with the issue of card 10, which has preferably a temporary validity; through the apparatus schematically shown in Fig. 1, card J <"> ~α be personalized is intro uced, throuqh a special slit ' not shown) , in the reader /encoder 20. Mow, the connection is r,ad with the informa on r- '-+ em f;T of the issuin institution m, ouαh the communica¬ tion line 18, to reco rd the issuing operation of card 10 and to receive from the same system thr personal iden ification code CIP of the clic-'t Sai '1 code is sto ed in t h" mi eroorcessor of card 1 . , / thj reιd~r encoder 20 i a protested manner, prefera¬ bl i e form of an αl oh numericαl seou" ~* ~-- . At the same ime, th-1 a" i ''-ati÷ puts ^ ho finαc- on se: t 71 <- ' ttic biometric sensor 22; tfie print, or possibly several print -, cor responding to a", mans' f inqers, are stored in the microprocessor of card 10 in transcoded and protected form with the parson: 1 identification code CIP. During this stage, performed by the biometric sensor 22, further indications are preferably "tor cd in card 10, such as, for instance, the expiry date of t - same card nd the part r- αrs of the client other data
Followim this operation, card 10 ie univocalls personalized and allows to start the second stage which, through the apparatus schematically shown in Fiq. 2, causes the issuinq of the credit instrument or document 12, introduced in pr inter 36. The entio ned security print 14 in metallic or reflecting ink is already present on the paper support forming said instrument. During this issuing stage, through printer 36 a security code is prin¬ ted, for instance of the known type PDF 417, subdivided into two part^ th-t are not interpretable at sight: the first part of said co^.~> includes all the data relating to the release of the instrument (for instance, data and place of issue, institution and branch, document number, etc. ), while the second part of the code comprises the same data as the first one, expressed in rrv OQi aohied form by means of the key formed by the personal identification code CIP, which can be univocally associated as such to the person requiring the credit instrument 12. The a lι iιt puts the finger in corrssoonHsr.fe of seat 34 of th biometr-i'- sensor 32 for the validation of his own print against the onr stored n rotected for in card 10 an sensed reι:lrr ~'α P .ad r 30 au onomousl provides to reading the data of c"',' -i ' fi throuσh the mathematical expι t~~sion or -'loorithn anl the I-. . -, anal identification cod.- ip of t e applicant: such code i ". tie, sfoi p utilised as s o yptocr aohie '■ sy to oenerate the -ser Ii'- 1 i- co e which pr nter 56 prints on the paper support forminπ the credit instrument or security o r document 12. Also n t h i - case, t e details of the transaction are recorded throπ-'h the communication line 20 in the information system 51 of the irsuina institution.
Now the applicant has a univocαllv personalized credit instru¬ ment 12, which he can use in case of need giving his card, also personalised, to the personnel who performs the treatment and authentication of the same instrument through the third appira tus schematically shown in Fig. 3.
Supposing that the system subject matter of this invention be limited to the credit institutions where the two first apparatu- ses a re. installed, also the third apparatus will be installed in the same institutions o r with a branch. The owner of the perso¬ nalized instrument 12 introduces preliminarily in reader 44 of said appar tus his card 10 and at the same time or immediately after, uts his finger on seat 50 of the 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 positive recognition, reader 44 reads on card 10 the personal i dent.i ri cation code CIP of the owner of instrument 12, which is adopted as a key to check the consistency between the two parts of th"- --•eurity code, utilizinci the same mathematical expression of c? 'P oqraph used on the issue ot sai instrume t. The pori tive r oroqni t.i on , based on the univocal aspect of the finger¬ print, wi *■h the contextual activation of the other two elements, eorifii i -. the val dity of document 12, e ludin any illicit util isa ion of the same. Now pr inter 4f! can provide to the i nv 1.1 i .-iit.i on of instrument 12, while the personnel of the; branch ass. i or, •; the sum of money corresponding to the -.'αlue of said instrument, or validates the authentication of the person. The irival i dαtion stage of the credit instrument is made by printing on he o-o r support forming the same instrument a writing, for instαnc" "negotiated" or "paid" through said printer 43. Through the eomriuni cation line 42, connected to the information system SI, also this ending stage of the t ansac ion is recorded. One should anticipate that the operations concerning the issue stao-i of card 10 with the intervention of the first apparatus m ' '-π-ii'-isc? also the issue of a further card for a co-holder whose particulars a re obtained with the same modalities descri¬ bed above. One should also anticipate that the same apparatus issLn'nα the card may provide also to the renewal of the same, with the updating of the particulars on the client and/or the iss io of ^ new personalized document .
Λ-S c'-ri h"- understood from the above, the system for the authen- tin i -- -nd mαn^σoment of reαistered credit instruments and document- subject matter of this invention provides guarantees of utmost security; in fact , the issued instruments can be e< c c-i only bs' the leαiti ate holder based on a precise and univpe-.l check .
Ths a'~"atitaαεs of said system, which, as descr ibed above, may be adopted to prevent the ris1 connected to the circulation of any r-qisf' f -I credit instrument or document, are especially evident if s π ins rument attributes the aolcler tlr ι eaiv availability of ι a i -/ -11 amount of money; in fact, the same holder can readily o ■>s11 tie cor respond i nσ sum with any bo dv havino entered an -iqrec-it- ηt with tla- ssuer , disoosinα of cash in hand, without riinn ns aris' r sl . -'-n ιι t h' unl ii els hyαoth^si r o - o-nfemoorαncous loss or -I' -^ -ii- of fch- personalized c edit irr,! π' -d :\ t ,rl the cai d, the me ' " -m' >-. cashe '-».' third par t ιCTs a- ca ths chec1 made before paying, there would be no cor responrlance between the fin ipr print of the holder and the one stored in the card micro- pr cceseor .
Anyhow the invention, as described hεrεαbovc and claimed he- reatte has been proposed by way of example, being obvious that th^ s inie m^y be susceptible ef marr' changes and var iants, all of them falling however withino the in sntior, concept. Tor I'rt.'nrε. the a oaratLis for the issue cf the registered credit instrument o r document ansd the apparatus for the related validation, an I possibly also the first apparatus providing to issuina the personalized card, might be incorporated in only apparatus; 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.
Lastl^ while the system has been proposed b/ way of example for a reali ration within the ban1' ciruit, further possibilities are not to be excluded in this r gard: in f^et, the basic need of havin ■ -rveral places available foi the fι uition of the system as' - satisfied by ifferent bodies fo instance Post Offices, Commun" ~ or local administrations in aent 1

Claims

1 A system for the safe authentication and management of registered credit instruments and documents, comprising:
- a personalized document (10) incorporating a microprocessor suitable to store a personal identification code CIP of the holder and a numeric information associated to biometric characteristics of the same holder;
- first means for issuing said personalized document (10) to the holder;
- second means for issuing registered credit instruments (12) or documents; and
- third means for validating the use of the registered instruments (12) or documents, all of said means being either associated or not associated to an information system SI and provided with a device for acquiring at least one biometric cha rac t e r i stic of the holder;
said r roistered instruments (12) or documents issued comprising at least a security code univocally generated utilizing the personal identification code CIP as a cryptographic key;
said information being associated to a mathematical expression or algorithm of the data related to the fingerprint of at least a live finger of the holder of said personalized document (10); the recognition of the holder, both for the issue of the registered instrument or document and for the related validation, being obtained by comparing the information got through the direct reading of the finger of the holder and the application of the mathematical expression with the one stored in the personalized document (10).
2. The system according to claim 1, characterized in that said mathematical expression is formed by an algorithm of the 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 finger print of the holder, who puts the finger in correspondence of a set (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 personalired 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 said personal identification code CIP, utilized as a cryptographic key and sensed by sensor (32) 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 microprcessor of the document (10).
5. The system according to one or more of the preceding claims, characterized in that said means for validating the use of the credit, instruments o r documents (12) comprise a personal computer (401 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, chararterized 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 o r me t a l l i c ink , havi ng two o r mo re zone s w i t h d i f f e re n t l i gh t reflection, said zones being formed by alternating embossed or hollow sectors, circumscribed by approached lines differently oriented by groups relatively to one another.
7 The system according to one o r more of the preceding claims, charactericed in that said means for the release of the personalized document (10) the issue of registered credit instruments or documents (12) and the validation to the use of the same registered instruments or documents are independent on or integrated in one o r more apparatuses.
8. 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 issue of registered credit instruments or documents (12) and the validation of the same registered credit instruments o r documents are combined with one another depending on the card (10), the same registered credit instruments or documents (12) and/or the related paper support.
EP95941724A 1995-10-13 1995-12-18 System for the safe authentication and management of registered credit instruments and documents Withdrawn EP0855070A1 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
ITMI952105 1995-10-13
IT95MI002105A IT1277257B1 (en) 1995-10-13 1995-10-13 SYSTEM FOR THE SECURITY AUTHENTICATION AND MANAGEMENT OF SECURITIES AND NAME DOCUMENTS
PCT/EP1995/005015 WO1997015032A1 (en) 1995-10-13 1995-12-18 System for the safe authentication and management of registered credit instruments and documents

Publications (1)

Publication Number Publication Date
EP0855070A1 true EP0855070A1 (en) 1998-07-29

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AR (1) AR000830A1 (en)
AU (1) AU4305296A (en)
BR (1) BR9510650A (en)
CA (1) CA2234577A1 (en)
IT (1) IT1277257B1 (en)
MX (1) MX9802873A (en)
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WO (1) WO1997015032A1 (en)

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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
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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
BR9510650A (en) 2000-10-31
MX9802873A (en) 1998-11-29
ITMI952105A0 (en) 1995-10-13
CA2234577A1 (en) 1997-04-24
TNSN96070A1 (en) 1998-12-31

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