EP1041523A2 - Transaktionsaufzeichnung und -beglaubigung - Google Patents

Transaktionsaufzeichnung und -beglaubigung Download PDF

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Publication number
EP1041523A2
EP1041523A2 EP00302584A EP00302584A EP1041523A2 EP 1041523 A2 EP1041523 A2 EP 1041523A2 EP 00302584 A EP00302584 A EP 00302584A EP 00302584 A EP00302584 A EP 00302584A EP 1041523 A2 EP1041523 A2 EP 1041523A2
Authority
EP
European Patent Office
Prior art keywords
user
transaction
terminal
image
feature
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Withdrawn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
EP00302584A
Other languages
English (en)
French (fr)
Other versions
EP1041523A3 (de
Inventor
James Ballantine Baird
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.)
NCR International Inc
Original Assignee
NCR International Inc
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by NCR International Inc filed Critical NCR International Inc
Publication of EP1041523A2 publication Critical patent/EP1041523A2/de
Publication of EP1041523A3 publication Critical patent/EP1041523A3/de
Withdrawn legal-status Critical Current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
    • G07C9/20—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
    • G07C9/253—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 visually
    • 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]
    • G07F19/201—Accessories of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G5/00—Receipt-giving machines

Definitions

  • This invention relates to methods and apparatus for transaction recordal and validation.
  • SSTs unmanned self-service terminals
  • ATMs automated teller machines
  • Many SST transactions are "cashless" that is, for example, the user instructs an electronic transfer of funds from a bank account to a vendor.
  • identity of the user may be established and verified by, for example, use of a card bearing a magnetic strip in conjunction with entry of a personal identification number (PIN), or by a biometric identifier such as the iris pattern of the user.
  • PIN personal identification number
  • biometric identifier such as the iris pattern of the user.
  • SSTs self-service terminals
  • a user deposits currency or a cheque or voucher in exchange for valuable media, such as a travel ticket.
  • valuable media such as a travel ticket.
  • the SST must contain a sophisticated validation system and mechanism.
  • Such systems and mechanisms must be modified from time to time to reflect changes in currency, for example the introduction of new coinage or banknotes, and often encounter difficulties validating older or damaged banknotes. Accordingly, it may prove very expensive to produce and maintain an SST for use in a location, such as an international airport, where it is desired to permit transactions using a range of currencies. Similar problems are encountered with cheque endorsing equipment, where it is desired to allow customers to present cheques in exchange for valuable media.
  • a method of recording details of a transaction at a terminal comprising the steps:
  • the transaction record may be retrieved and reviewed.
  • the retained image may be of currency, cheques or other tokens deposited by the user, and in this case the transaction record may identify, for example, whether the user deposited valid currency to a value as claimed by the user, as discussed below in greater detail with reference to the second aspect of the invention.
  • the retained image may be a feature or image of the user, for example the user's face, and thus by examination of a respective transaction record it may be established whether the user was present when the transaction was executed.
  • biometric sensing is utilised in identifying the user, it may be convenient to retain details of the biometric feature or features which serve to identify or verify the identity of the user, for example the user's iris pattern, palmprint, face shape, fingerprint or voice pattern.
  • a transaction at a terminal comprising the steps:
  • This aspect of the invention allows an identified user to, for example, purchase valuable media, such as travel tickets, from a terminal which need not include means for immediately verifying the validity of the token, which may be in the form of currency notes, a cheque or voucher. If subsequent validation of the tokens, which may take place at a centralised location, remote from the terminal, identifies that the tokens input into the terminal do not correlate with, for example, the value claimed by the terminal users or the value of the media dispensed by the terminal, the individual transaction records may be analysed to identify that, for example, a user claimed to be depositing 100 currency units and obtained media to that value when in fact only ten units were deposited.
  • an image of the token is recorded and retained, it being relatively straightforward to record and store such images digitally or on film.
  • an image or series of stored images of tokens for example images of bank notes deposited by a user, may be overlain with the transaction identifier, and possibly other transaction or user identity details, allowing straightforward visual comparison of deposited tokens with recorded transaction details.
  • the user may be identified by first claiming an identity, for example by presenting a magnetic strip card or non-contact card, which claimed identity is then verified by the user by, for example, inputting a personal identification number (PIN) or by the terminal recording a biometric identifier of the user and comparing this with biometric information stored on the card.
  • PIN personal identification number
  • the user identity is typically verified by reference to a remote database, or information downloaded to the terminal from a remote database, which identifies whether the claimed identity correlates with the PIN or other information input by or gathered from the user.
  • the terminal may allow a user to be positively identified with reference to a biometric identifier, for example iris pattern, face shape, fingerprint and the like. Again, typically, the user is identified by reference to information stored in or downloaded from a remote database.
  • the transaction identifier may be generated at a site operated by a trusted third party where user identification information is stored.
  • the transaction identifier may be stored separately, for example both in a terminal memory or transaction recorder, at or remote from the terminal, and in a user identity record, at or remote from the user identification information storage site, the former typically storing transaction details and the latter user identity details, which information may be subsequently correlated by reference to the common transaction identifier.
  • the transaction identifier is relayed to the terminal together with user identity information from a remote user identifying site, and recorded at both locations.
  • the transaction identifer may take any appropriate form, and is preferably human readable, such as a sequence of numbers or letters or other symbols. Most preferably, the identifier is a randomly generated code. In other embodiments, the transaction identified may consist of numbers representative of the time and date when the transaction took place, and which number may be combined by user information, for example a user account number. In any event, the time and date of the transaction is preferably stored in at least one record, whether this be the transaction record or a user identity record.
  • apparatus for executing a transaction comprising:
  • the user identifying means may take the form of the identifying means found on existing SSTs, for example ATMs, such as a magnetic card reader which allows a user to claim an identity by possession of a particular card, and a keypad which allows input of a PIN by the user to verify the claimed identity.
  • said means may include a biometric sensor for comparing a biometric feature of the user with stored information and thus positively identifying the user.
  • biometric sensor for comparing a biometric feature of the user with stored information and thus positively identifying the user.
  • the user communication means may take any appropriate form, including one or a combination of a keypad, screen, touch screen, speech recognition system, natural speech generation system, movement or image sensor, joystick, or mouse.
  • transaction executing apparatus comprising:
  • SST self-service terminal
  • the terminal 10 has a user interface 12, incorporating a number of features and facilities, illustrated as individual modules. In the illustrated embodiment these features include a camera 14, a keypad 16 and a screen 18.
  • the terminal 10 also includes a token receiver module 20 associated with a token input slot (not shown) and comprising a token camera 22 and a secure token store 24.
  • the Figure also shows a media dispense module 26 which is associated with a dispenser slot (not shown) in the face of the terminal 10, and a biometrics sensing unit 28 is provided in a remotely located user identifying unit 30 under the control of a trusted third party, also including a biometric information database 31, a transaction identifier generator 32 and memory 34.
  • the terminal 10 further comprises a controller unit 36 which communicates with the components of the interface module 12, the media dispense module 26, and components of the user identifying unit 30.
  • the controller unit 36 includes a processor 38 and a non-volatile memory 40 implemented by a microcomputer having non-volatile RAM.
  • a user In use, a user approaches the terminal 10 and, following instructions on the terminal face, looks towards the camera 14. An image of the iris pattern of the user is recorded by the camera 14 and a processed iris image is conveyed, via the processor unit 38, to the biometrics sensing unit 28 where the iris pattern data recorded by the camera 14 is compared with the iris pattern data stored in an iris pattern information database 31.
  • the information stored in the database 31 comprises a collection of individual users's enrolment templates, in the form of iris codes, each representing a processed image of a user's iris.
  • the image received from the camera 14 is processed to create a current iris code, or current template, which is compared with the enrolment templates stored in the database 31 to identify a match and thus identify the user.
  • the enrolment templates each in the form of a sequence of binary digits, are compared with the current template, also a sequence of binary digits, on a bit-by-bit basis using an exclusive OR function. It is unlikely that a "perfect" match will be achieved, however two templates are considered to match if they differ by less than a predetermined number of bits, the degree of permitted difference being such that the odds of an incorrect match are acceptably low.
  • the transaction identifier generator 32 produces a random code, which is stored as an entry in the unit memory 34 together with the user's iris code and note of the date and time.
  • the random code is also relayed to the terminal controller unit 36, together with user data and authorisation for a predetermined range of transactions.
  • the user is allowed to access certain facilitates provided by the terminal 10 and a menu of the various transactions available to the user may be relayed to the user via the screen 18, user responses being made via the keypad 16.
  • the user may wish to deposit a cheque in a bank account, and immediately draw cash against the value of the cheque.
  • the user indicates the nature of the transaction by following prompts from the screen 18 and inputting information via the keypad 16, including the value of the cheque.
  • the user then deposits the cheque in the terminal 10, via the token input slot from which the cheque is drawn into the terminal 10 and an image of the cheque is recorded by the camera 22 before the cheque is passed into the token storage 24, which will typically be in the form of a secure cartridge.
  • the requested sum of cash is then retrieved from secure storage by the media dispense module 26 and output from the terminal dispenser slot.
  • Details of the transaction are stored as a respective transaction record in the memory 40, together with the images recorded by the camera 22, the record being identifiable by reference to the random code generated in respect of the transaction by the generator 32.
  • the terminal 10 will be monitored or visited at frequent intervals to ensure that the terminal contains sufficient media to be dispensed, and also to uplift the token storage cartridge 24.
  • the cartridge 24 is transported to a secure central location where the tokens deposited in the cartridge are be validated; this process will identify any invalid tokens. Further, the total value of the tokens is compared to the value of transactions carried out based on deposited tokens; in the event of a discrepancy between the two totals, the individual transaction records are retrieved from the terminal memory 40 and the recorded images in each record compared to the value of the deposit tokens claimed by the respective users.
  • the transaction identifier is utilised to locate and retrieve the corresponding record from the user identifying unit as held in the memory 34. This allows the identity of the user responsible for the irregular transaction to be positively identified, the trusted third party responsible for the user identifying unit 30 being able to verify the user identity in the event of any dispute between the user and the terminal operator.
  • a user may query a transaction which, for example, appears on their bank statement.
  • the statement may show a withdrawal of funds from the user's bank account, of which the user claims to have no knowledge.
  • the transaction record will contain details of the transaction (but of course no images of deposited tokens), however the transaction identifier code will permit the location and retrieval of the corresponding record from the memory of the user identifying unit, which will positively identify that the user was present and instructed a particular transaction.
EP00302584A 1999-04-01 2000-03-29 Transaktionsaufzeichnung und -beglaubigung Withdrawn EP1041523A3 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
GBGB9907513.7A GB9907513D0 (en) 1999-04-01 1999-04-01 Transaction recordal and validation
GB9907513 1999-04-01

Publications (2)

Publication Number Publication Date
EP1041523A2 true EP1041523A2 (de) 2000-10-04
EP1041523A3 EP1041523A3 (de) 2000-10-11

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Family Applications (1)

Application Number Title Priority Date Filing Date
EP00302584A Withdrawn EP1041523A3 (de) 1999-04-01 2000-03-29 Transaktionsaufzeichnung und -beglaubigung

Country Status (2)

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EP (1) EP1041523A3 (de)
GB (1) GB9907513D0 (de)

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WO2002071225A1 (en) * 2001-03-01 2002-09-12 Bradley Shawn J Identity verification using biometrics in analog format
WO2004013737A2 (en) * 2002-08-05 2004-02-12 Applius Incorporated System and method for determinig the identity of a party associated with a transaction
FR2863753A1 (fr) * 2003-12-16 2005-06-17 Infomil Dispositif et procede d'encaissement a capture d'image d'identite.
US7155416B2 (en) * 2002-07-03 2006-12-26 Tri-D Systems, Inc. Biometric based authentication system with random generated PIN
US7599543B2 (en) * 2001-09-27 2009-10-06 Cummins-Allison Corp. Document processing system using full image scanning
US7647275B2 (en) 2001-07-05 2010-01-12 Cummins-Allison Corp. Automated payment system and method
WO2010053403A1 (ru) * 2008-11-06 2010-05-14 Katina Natalia Petrovna Система и способ дистанционной идентификации и верификации личности клиента при оказании финансовых услуг
US7903863B2 (en) * 2001-09-27 2011-03-08 Cummins-Allison Corp. Currency bill tracking system
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US8417017B1 (en) 2007-03-09 2013-04-09 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8428332B1 (en) 2001-09-27 2013-04-23 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8433123B1 (en) 2001-09-27 2013-04-30 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8437530B1 (en) 2001-09-27 2013-05-07 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
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US8538123B1 (en) 2007-03-09 2013-09-17 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8627939B1 (en) 2002-09-25 2014-01-14 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
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US8655045B2 (en) 2001-09-27 2014-02-18 Cummins-Allison Corp. System and method for processing a deposit transaction
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US7155416B2 (en) * 2002-07-03 2006-12-26 Tri-D Systems, Inc. Biometric based authentication system with random generated PIN
WO2004013737A3 (en) * 2002-08-05 2004-06-10 Applius Inc System and method for determinig the identity of a party associated with a transaction
WO2004013737A2 (en) * 2002-08-05 2004-02-12 Applius Incorporated System and method for determinig the identity of a party associated with a transaction
US9818249B1 (en) 2002-09-04 2017-11-14 Copilot Ventures Fund Iii Llc Authentication method and system
US9355295B1 (en) 2002-09-25 2016-05-31 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
US8627939B1 (en) 2002-09-25 2014-01-14 Cummins-Allison Corp. Apparatus and system for imaging currency bills and financial documents and method for using the same
WO2005059852A1 (fr) * 2003-12-16 2005-06-30 Infomil Dispositif et procede d’encaissement a capture d’image d’identite
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