ES2150474T3 - Sistema comercial de autoservicio. - Google Patents

Sistema comercial de autoservicio.

Info

Publication number
ES2150474T3
ES2150474T3 ES94308181T ES94308181T ES2150474T3 ES 2150474 T3 ES2150474 T3 ES 2150474T3 ES 94308181 T ES94308181 T ES 94308181T ES 94308181 T ES94308181 T ES 94308181T ES 2150474 T3 ES2150474 T3 ES 2150474T3
Authority
ES
Spain
Prior art keywords
self
transaction
exam
predictive
commercial system
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.)
Expired - Lifetime
Application number
ES94308181T
Other languages
English (en)
Inventor
Iain R F Sime
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
Application granted granted Critical
Publication of ES2150474T3 publication Critical patent/ES2150474T3/es
Anticipated expiration legal-status Critical
Expired - Lifetime legal-status Critical Current

Links

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
    • 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
    • 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
    • G06Q20/4016—Transaction verification involving fraud or risk level assessment in transaction processing
    • 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
    • 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

Landscapes

  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Engineering & Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Finance (AREA)
  • Computer Security & Cryptography (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Human Computer Interaction (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Control Of Vending Devices And Auxiliary Devices For Vending Devices (AREA)

Abstract

UN SISTEMA DE CAJERO AUTOMATIZADO AUTO-SERVICIO INCLUYE UN MODULO DE AUTORIZACION DE TRANSACCION (44) QUE UTILIZA UNA TECNICA DE RECONOCIMIENTO BIOMETRICA, TAL COMO LA VOZ O RECONOCIMIENTO POR IMPRESION DACTILAR, EN COMBINACION CON TECNOLOGIA PREDICTIVA. EL EXAMEN DE RECONOCIMIENTO BIOMETRICO ES NORMALMENTE DECISIVO PERO SI ESTE EXAMEN PRODUCE UN RESULTADO QUE NO ES CONCLUYENTE, SINO CERCANO A UN UMBRAL PREDETERMINADO, UN SISTEMA PREDICTIVO (38) CONTROLA PARA DETERMINAR SI LA TRANSACCION ES CONSISTENTE CON EL COMPORTAMIENTO NORMAL DEL USUARIO ANTES DE PERMITIR QUE LA TRANSACCION PROCEDA. TAMBIEN PUEDE INCLUIRSE UNA CUENTA DE SOSPECHA EN EL PROCESO DE TOMA DE DECISIONES PARA DETERMINAR SI O NO, EL USUARIO TIENE ANTECEDENTES PREVIOS DE TRANSACCIONES SOSPECHOSAS.
ES94308181T 1993-11-08 1994-11-07 Sistema comercial de autoservicio. Expired - Lifetime ES2150474T3 (es)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB939323489A GB9323489D0 (en) 1993-11-08 1993-11-08 Self-service business system

Publications (1)

Publication Number Publication Date
ES2150474T3 true ES2150474T3 (es) 2000-12-01

Family

ID=10745170

Family Applications (1)

Application Number Title Priority Date Filing Date
ES94308181T Expired - Lifetime ES2150474T3 (es) 1993-11-08 1994-11-07 Sistema comercial de autoservicio.

Country Status (6)

Country Link
US (1) US5386104A (es)
EP (1) EP0652540B1 (es)
JP (1) JP3612582B2 (es)
DE (1) DE69425944T2 (es)
ES (1) ES2150474T3 (es)
GB (1) GB9323489D0 (es)

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* Cited by examiner, † Cited by third party
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DE69425944D1 (de) 2000-10-26
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US5386104A (en) 1995-01-31
DE69425944T2 (de) 2001-04-12
EP0652540B1 (en) 2000-09-20
GB9323489D0 (en) 1994-01-05
JPH07192164A (ja) 1995-07-28

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