EP1965361A2 - Elektronisches Transaktions- und Anwendungsendgerät mit visueller Identifkationsprüffunktion - Google Patents

Elektronisches Transaktions- und Anwendungsendgerät mit visueller Identifkationsprüffunktion Download PDF

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Publication number
EP1965361A2
EP1965361A2 EP08102196A EP08102196A EP1965361A2 EP 1965361 A2 EP1965361 A2 EP 1965361A2 EP 08102196 A EP08102196 A EP 08102196A EP 08102196 A EP08102196 A EP 08102196A EP 1965361 A2 EP1965361 A2 EP 1965361A2
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EP
European Patent Office
Prior art keywords
user
image
transaction
person
during
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Withdrawn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
EP08102196A
Other languages
English (en)
French (fr)
Other versions
EP1965361A3 (de
Inventor
Ahmet Fonoklik Iletisim Hizmetleri Ve Ticaret Yurkeli
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.)
Fonoklik Iletisim Hizmetleri Ve Ticaret Anonim
Original Assignee
Fonoklik Iletisim Hizmetleri Ve Ticaret Anonim
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
Priority claimed from TR2007/01279A external-priority patent/TR200701279A2/xx
Application filed by Fonoklik Iletisim Hizmetleri Ve Ticaret Anonim filed Critical Fonoklik Iletisim Hizmetleri Ve Ticaret Anonim
Priority claimed from TR2008/01341A external-priority patent/TR200801341A1/xx
Publication of EP1965361A2 publication Critical patent/EP1965361A2/de
Publication of EP1965361A3 publication Critical patent/EP1965361A3/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Withdrawn legal-status Critical Current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]
    • G07F19/207—Surveillance aspects at ATMs
    • 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]

Definitions

  • This invention is about an electronic terminal, which can collect visual information to check the identity of the person using it.
  • a terminal may be used to accept transaction requests, or applications from people who cannot use passwords or biometric authentication methods.
  • Electronic terminals are commonly used to accept applications or perform a variety of transactions, most commonly in the financial services sector, but also in other industries including, government, travel, and retail.
  • a number of methods are used to check the identity of the user.
  • a common method is to ask the user to insert a machine-readable card into the terminal, and then enter a personal identification number (PIN) associated with that card, which is checked from a central database during the transaction or application process.
  • PIN personal identification number
  • This procedure requires the user and the operator of the terminal (eg, a bank) to have a prior relationship, during which the operator of the terminal issues a card, and a PIN associated with that card. This card and PIN must be given to the user before such a transaction or application can be submitted to an electronic terminal.
  • This method is not sufficient to check the identity of a user who has no prior relationship with the terminal operator, since in such a case the user will not have a card and PIN that has associated records in the operator's database.
  • This limitation makes it virtually impossible to use electronic terminals to accept transaction requests or applications from new users.
  • a typical example is a personal loan application from a person who has no prior relationship with a bank. Since there is no easy way of determining the identity of such a new user at a self-service terminal, most banks require new loan applicants to visit a branch office to complete manual identity checks, before they are allowed to take out a loan. In such a case, electronic self-service terminals are largely useless.
  • Japanese Patent Application JP2004355646 describes a terminal capable of capturing the image of a document submitted by the user, by using an optical scanner. While this makes it possible to transmit the image of an identification document to a central processing location, it still does not provide a method to check the identity of the user submitting that document.
  • the object of the invention is to provide an electronic self-service terminal that can collect visual information to check the identity of its user. This is done by collecting several different types of visual information. These visual information components include the photograph of the user captured while the user is using the terminal, the image of an identification document submitted by the user, and a sample of the user's signature.
  • FIG. 1 is a schematic view of a device.
  • FIG. 2 is a cross-sectional view of the slot in the device.
  • FIG. 3 is a cross-sectional view of the slot in another embodiment of the device.
  • FIG. 4 is a cross-sectional view of the slot in another embodiment of the device.
  • a digital controller in the body (1) runs the software required to control the transaction or application process. During the process, information is conveyed to the user by displaying text, graphics and video on the screen(6), and the user's input is accepted from the keyboard (4).
  • user input may be received from a touch sensitive screen (6), that requests the user to select inputs from marked areas of the screen by touching the images displayed.
  • a user is requested to place an identification form into the slot (3) of the device.
  • the upper surface within the slot is made of glass or other transparent material, behind which is an internal imaging unit (7) and a light source (8) that illuminates the surface of the identification card.
  • the software is used to activate the light source , and capture the image of the card with the imaging device, which then becomes part of the transaction or application data.
  • the lower surface within the slot is made of glass or other transparent material, behind which is an internal imaging unit (7) and a light source (8) that illuminates the surface of the identification card.
  • the software is used to activate the light source , and capture the image of the card with the imaging device, which then becomes part of the transaction or application data.
  • both the upper and the lower surfaces within the slot are made of glass or other transparent material, behind each of which are internal imaging units (7) and light sources (8) that illuminate the surfaces of the identification card.
  • the software is used to activate the light sources , and capture the image of the card with the imaging devices, which then becomes part of the transaction or application data.
  • This embodiment has the additional advantage of capturing the images of both sides of the identification card, thus eliminating the need to ask the user to flip the card over to capture the image of the other side.
  • the device thus makes it possible to check these two facial images for similarity either with automatic image processing software, or by human operators after they are transmitted to an operations center.
  • the user is also asked to enter a signature into the terminal, using a signature pad which captures the image of the signature.
  • the device captures:
  • the device thus makes it possible to check these two facial images for similarity either with automatic image processing software, or by human operators.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Collating Specific Patterns (AREA)
EP08102196A 2007-03-01 2008-02-29 Elektronisches Transaktions- und Anwendungsendgerät mit visueller Identifkationsprüffunktion Withdrawn EP1965361A3 (de)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2007/01279A TR200701279A2 (tr) 2007-03-01 2007-03-01 Bir görüntülü kimlik kontrolü yapan başvuru işlem terminali.
TR2008/01341A TR200801341A1 (tr) 2008-02-29 2008-02-29 Görüntülü kimlik kontrolü yapma kabiliyetine sahip bir elektronik işlem ve başvuru terminali.

Publications (2)

Publication Number Publication Date
EP1965361A2 true EP1965361A2 (de) 2008-09-03
EP1965361A3 EP1965361A3 (de) 2009-09-02

Family

ID=39446453

Family Applications (1)

Application Number Title Priority Date Filing Date
EP08102196A Withdrawn EP1965361A3 (de) 2007-03-01 2008-02-29 Elektronisches Transaktions- und Anwendungsendgerät mit visueller Identifkationsprüffunktion

Country Status (1)

Country Link
EP (1) EP1965361A3 (de)

Cited By (17)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010053403A1 (ru) * 2008-11-06 2010-05-14 Katina Natalia Petrovna Система и способ дистанционной идентификации и верификации личности клиента при оказании финансовых услуг
WO2010121953A1 (de) * 2009-04-22 2010-10-28 Wincor Nixdorf International Gmbh Selbstbedienungsterminal mit mindestens einer kamera zum erkennen von manipulationsversuchen
WO2010121954A1 (de) * 2009-04-22 2010-10-28 Wincor Nixdorf International Gmbh Selbstbedienungsterminal mit kamera-anordnung zum erkennen von manipulationsversuchen
EP2833302A1 (de) * 2013-07-30 2015-02-04 NCR Corporation Selbstbedienungssystem und Verfahren zur Markierung von Gepäck
EP2947633A1 (de) * 2014-05-20 2015-11-25 ING Groep N.V. Automatisches Geldausgabesystem zur Bereitstellung eines Bankdienstes an einer Benutzer des Systems sowie Verfahren dafür
US9443270B1 (en) 2013-09-17 2016-09-13 Allstate Insurance Company Obtaining insurance information in response to optical input
US9650007B1 (en) 2015-04-13 2017-05-16 Allstate Insurance Company Automatic crash detection
US10032226B1 (en) 2013-03-08 2018-07-24 Allstate Insurance Company Automatic exchange of information in response to a collision event
US10083551B1 (en) 2015-04-13 2018-09-25 Allstate Insurance Company Automatic crash detection
US10121204B1 (en) 2013-03-08 2018-11-06 Allstate Insurance Company Automated accident detection, fault attribution, and claims processing
US10417713B1 (en) 2013-03-08 2019-09-17 Allstate Insurance Company Determining whether a vehicle is parked for automated accident detection, fault attribution, and claims processing
US10572943B1 (en) 2013-09-10 2020-02-25 Allstate Insurance Company Maintaining current insurance information at a mobile device
US10713717B1 (en) 2015-01-22 2020-07-14 Allstate Insurance Company Total loss evaluation and handling system and method
US10902525B2 (en) 2016-09-21 2021-01-26 Allstate Insurance Company Enhanced image capture and analysis of damaged tangible objects
US10963966B1 (en) 2013-09-27 2021-03-30 Allstate Insurance Company Electronic exchange of insurance information
US11361380B2 (en) 2016-09-21 2022-06-14 Allstate Insurance Company Enhanced image capture and analysis of damaged tangible objects
US11720971B1 (en) 2017-04-21 2023-08-08 Allstate Insurance Company Machine learning based accident assessment

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2004355646A (ja) 2004-07-12 2004-12-16 Oki Electric Ind Co Ltd 無人契約システム

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* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20010011680A1 (en) * 1997-12-08 2001-08-09 John Soltesz Self-service kiosk with biometric verification and/ or registration capability
AU5619300A (en) * 1999-06-17 2001-01-09 Thomas K. Reed Jr. Apparatus, systems and methods for providing at home automatic teller machine services
AU2001295905B2 (en) * 2000-10-16 2005-11-24 Italdata Ingegneria Dell'idea S.P.A. Peripheral device for acquiring biometric and personal data, particularly for preparing recognition documents
US7534476B2 (en) * 2002-09-16 2009-05-19 Avery Dennison Corporation Identification badge construction
WO2004084034A2 (en) * 2003-03-17 2004-09-30 Lux Cindy M Patient registration kiosk

Patent Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2004355646A (ja) 2004-07-12 2004-12-16 Oki Electric Ind Co Ltd 無人契約システム

Cited By (39)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010053403A1 (ru) * 2008-11-06 2010-05-14 Katina Natalia Petrovna Система и способ дистанционной идентификации и верификации личности клиента при оказании финансовых услуг
CN102414724B (zh) * 2009-04-22 2016-01-20 温科尼克斯多夫国际有限公司 具有至少一个用于识别作案企图的摄像机的自助终端
WO2010121954A1 (de) * 2009-04-22 2010-10-28 Wincor Nixdorf International Gmbh Selbstbedienungsterminal mit kamera-anordnung zum erkennen von manipulationsversuchen
US20120038773A1 (en) * 2009-04-22 2012-02-16 Wincor Nixdorf International Gmbh Automated teller machine comprising at least one camera to detect manipulation attempts
CN102414724A (zh) * 2009-04-22 2012-04-11 温科尼克斯多夫国际有限公司 具有至少一个用于识别作案企图的摄像机的自助终端
WO2010121953A1 (de) * 2009-04-22 2010-10-28 Wincor Nixdorf International Gmbh Selbstbedienungsterminal mit mindestens einer kamera zum erkennen von manipulationsversuchen
US8953045B2 (en) 2009-04-22 2015-02-10 Wincor Nixdorf International Gmbh Automated teller machine comprising at least one camera to detect manipulation attempts
US11158002B1 (en) 2013-03-08 2021-10-26 Allstate Insurance Company Automated accident detection, fault attribution and claims processing
US11989785B1 (en) 2013-03-08 2024-05-21 Allstate Insurance Company Automatic exchange of information in response to a collision event
US11669911B1 (en) 2013-03-08 2023-06-06 Allstate Insurance Company Automated accident detection, fault attribution, and claims processing
US10699350B1 (en) 2013-03-08 2020-06-30 Allstate Insurance Company Automatic exchange of information in response to a collision event
US10032226B1 (en) 2013-03-08 2018-07-24 Allstate Insurance Company Automatic exchange of information in response to a collision event
US10417713B1 (en) 2013-03-08 2019-09-17 Allstate Insurance Company Determining whether a vehicle is parked for automated accident detection, fault attribution, and claims processing
US10121204B1 (en) 2013-03-08 2018-11-06 Allstate Insurance Company Automated accident detection, fault attribution, and claims processing
EP2833302A1 (de) * 2013-07-30 2015-02-04 NCR Corporation Selbstbedienungssystem und Verfahren zur Markierung von Gepäck
US11861721B1 (en) 2013-09-10 2024-01-02 Allstate Insurance Company Maintaining current insurance information at a mobile device
US10572943B1 (en) 2013-09-10 2020-02-25 Allstate Insurance Company Maintaining current insurance information at a mobile device
US10255639B1 (en) 2013-09-17 2019-04-09 Allstate Insurance Company Obtaining insurance information in response to optical input
US9443270B1 (en) 2013-09-17 2016-09-13 Allstate Insurance Company Obtaining insurance information in response to optical input
US11783430B1 (en) 2013-09-17 2023-10-10 Allstate Insurance Company Automatic claim generation
US10963966B1 (en) 2013-09-27 2021-03-30 Allstate Insurance Company Electronic exchange of insurance information
US12033217B2 (en) 2013-09-27 2024-07-09 Allstate Insurance Company Electronic exchange of insurance information
EP2947633A1 (de) * 2014-05-20 2015-11-25 ING Groep N.V. Automatisches Geldausgabesystem zur Bereitstellung eines Bankdienstes an einer Benutzer des Systems sowie Verfahren dafür
US11682077B2 (en) 2015-01-22 2023-06-20 Allstate Insurance Company Total loss evaluation and handling system and method
US11348175B1 (en) 2015-01-22 2022-05-31 Allstate Insurance Company Total loss evaluation and handling system and method
US10713717B1 (en) 2015-01-22 2020-07-14 Allstate Insurance Company Total loss evaluation and handling system and method
US11017472B1 (en) 2015-01-22 2021-05-25 Allstate Insurance Company Total loss evaluation and handling system and method
US11074767B2 (en) 2015-04-13 2021-07-27 Allstate Insurance Company Automatic crash detection
US11107303B2 (en) 2015-04-13 2021-08-31 Arity International Limited Automatic crash detection
US9767625B1 (en) 2015-04-13 2017-09-19 Allstate Insurance Company Automatic crash detection
US9650007B1 (en) 2015-04-13 2017-05-16 Allstate Insurance Company Automatic crash detection
US10223843B1 (en) 2015-04-13 2019-03-05 Allstate Insurance Company Automatic crash detection
US9916698B1 (en) 2015-04-13 2018-03-13 Allstate Insurance Company Automatic crash detection
US10650617B2 (en) 2015-04-13 2020-05-12 Arity International Limited Automatic crash detection
US10083551B1 (en) 2015-04-13 2018-09-25 Allstate Insurance Company Automatic crash detection
US10083550B1 (en) 2015-04-13 2018-09-25 Allstate Insurance Company Automatic crash detection
US10902525B2 (en) 2016-09-21 2021-01-26 Allstate Insurance Company Enhanced image capture and analysis of damaged tangible objects
US11361380B2 (en) 2016-09-21 2022-06-14 Allstate Insurance Company Enhanced image capture and analysis of damaged tangible objects
US11720971B1 (en) 2017-04-21 2023-08-08 Allstate Insurance Company Machine learning based accident assessment

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Publication number Publication date
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