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)

Applications Claiming Priority (3)

Publications (1)

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ID=11372360

Family Applications (1)

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• 1995
  • 1995-10-13 IT IT95MI002105A patent/IT1277257B1/it active IP Right Grant
  • 1995-12-18 BR BR9510650-2A patent/BR9510650A/pt 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/es unknown
  • 1996-05-13 TN TNTNSN96070A patent/TNSN96070A1/fr unknown
• 1998
  • 1998-04-13 MX MX9802873A patent/MX9802873A/es unknown

Non-Patent Citations (1)

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