FR2786587A1 - Identification verification of bearer of check or bank card - Google Patents

Identification verification of bearer of check or bank card Download PDF

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Publication number
FR2786587A1
FR2786587A1 FR9815240A FR9815240A FR2786587A1 FR 2786587 A1 FR2786587 A1 FR 2786587A1 FR 9815240 A FR9815240 A FR 9815240A FR 9815240 A FR9815240 A FR 9815240A FR 2786587 A1 FR2786587 A1 FR 2786587A1
Authority
FR
France
Prior art keywords
check
bank card
holder
card
bearer
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.)
Pending
Application number
FR9815240A
Other languages
French (fr)
Inventor
Magali Catherine Amblard
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.)
Individual
Original Assignee
Individual
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 Individual filed Critical Individual
Priority to FR9815240A priority Critical patent/FR2786587A1/en
Publication of FR2786587A1 publication Critical patent/FR2786587A1/en
Pending 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
    • G07C9/253—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

Abstract

The identification device is provided with a microcircuit incorporated into a check or card (1), storing a photograph of the authorized holder and any other nominated data. The check or card is inserted into a reader (2) which uses a motor (8) to draw the check or card past a magnifying lens, which displays the magnified image on one face of the box (9). A photocopier (10) integrated in the reader can print the image gathered from the check or card.

Description

La présente invention concerne un dispositif destiné à vérifier àThe present invention relates to a device intended to verify at

l'occasion d'un paiement par chèque ou par carte bancaire, l'identité du porteur du chèque ou de la carte bancaire et à dissuader tout  when paying by check or bank card, the identity of the holder of the check or bank card and to dissuade any

porteur qui n'est pas le titulaire du chèque ou de la carte bancaire, de l'utiliser frauduleusement.  bearer who is not the holder of the check or bank card, to use it fraudulently.

La vérification de l'identité d'une personne physique est traditionnellement effectuée au moyen de la présentation d'une pièce d'identité. Toutefois, ce contrôle n'étant ni systématique ni infaillible, les risques d'utilisation d'un chèque  The verification of the identity of a natural person is traditionally carried out by means of the presentation of an identity document. However, this control is neither systematic nor infallible, the risks of using a check

ou d'une carte bancaire appartenant à un tiers ne sont pas éliminés.  or a credit card belonging to a third party are not eliminated.

Le dispositif selon l'invention permet de remédier à cet inconvénient et à rendre sûrs et  The device according to the invention makes it possible to remedy this drawback and to make it safe and

inviolables ces modes de paiement.inviolable these payment methods.

Il suppose en effet d'une part, l'incorporation dans le chèque ou la carte bancaire, d'une micropuce contenant la photographie de son titulaire et éventuellement, un exemplaire de sa signature ou tout renseignement permettant de personnaliser le moyen de paiement (code secret etc...) et d'autre part, l'utilisation d'un boîtier présentant en son centre une glissière destinée à recevoir le chèque ou la carte bancaire et intégrant un système de téléobjectif déclenché par le passage de la puce. Ce téléobjectif permet l'agrandissement de la photographie ou des données contenues dans la micropuce, visualisé sur la face  On the one hand, it presupposes the incorporation into the check or bank card, of a microchip containing the photograph of its holder and possibly, a copy of his signature or any information allowing personalization of the means of payment (code secret etc ...) and on the other hand, the use of a box having in its center a slide intended to receive the check or the bank card and integrating a telephoto system triggered by the passage of the chip. This telephoto lens allows the enlargement of the photograph or the data contained in the microchip, viewed on the face

antérieure du boîtier.front of the housing.

Selon un mode particulier de réalisation, le boitier peut intégrer un photocopieur permettant  According to a particular embodiment, the box can integrate a photocopier allowing

de copier l'agrandissement ainsi obtenu.  to copy the enlargement thus obtained.

De cette façon, toute personne acceptant d'être réglée par chèque ou par carte bancaire est assurée de l'utilisation régulière du chèque ou de la carte par le porteur; l'éventuelle altération de la micropuce entraînerait sa détérioration et la falsification de ses données permettrait le cas échéant d'identifier  In this way, any person agreeing to be paid by check or by bank card is assured of the regular use of the check or the card by the bearer; the possible alteration of the microchip would cause its deterioration and the falsification of its data would make it possible if necessary to identify

l'auteur du délit.the perpetrator.

Les dessins annexés illustrent le dispositif de l'invention.  The accompanying drawings illustrate the device of the invention.

En référence à ces dessins, le dispositif suppose l'incorporation dans le chèque ou la carte bancaire d'une micropuce électronique (1) contenant un négatif de la photographie de son titulaire et/ou éventuellement, tout autre renseignement permettant de personnaliser le moyen de paiement. nl comporte un boîtier (2) monté sur un socle (3) pivotant par roulement à billes (4) et alimenté par une batterie (5). Ce boîtier est muni d'une glissière centrale (6) pour recevoir le chèque ou la carte bancaire et d'un système de téléobjectif (7). Dès son insertion dans la glissière, le chèque ou la carte bancaire est entrainé par un moteur (8) qui déclenche l'éclairage simultané du boîtier. Le passage de la micropuce devant le  With reference to these drawings, the device supposes the incorporation in the check or the bank card of an electronic microchip (1) containing a negative of the photograph of its holder and / or possibly, any other information making it possible to personalize the means of payment. nl comprises a housing (2) mounted on a base (3) pivoting by ball bearing (4) and powered by a battery (5). This box is provided with a central slide (6) to receive the check or the bank card and with a telephoto system (7). As soon as it is inserted into the slide, the check or the bank card is driven by a motor (8) which triggers the simultaneous lighting of the housing. The passage of the microchip in front of the

téléobjectif permet l'agrandissement de son contenu, visualisé sur la face antérieure (9) du boîtier.  telephoto allows the enlargement of its content, viewed on the front side (9) of the case.

L'agrandissement obtenu peut être ensuite copié instantanément au moyen de la photocopieuse (10)  The enlargement obtained can then be instantly copied using the photocopier (10)

intégrée au boîtier.integrated into the housing.

Le dispositif selon l'invention est particulièrement destiné aux personnes commerçantes  The device according to the invention is particularly intended for traders

acceptant le paiement par chèque ou par carte bancaire.  accepting payment by check or bank card.

2 27865872,278,687

Claims (2)

REVENDICATIONS 1) Dispositif pour vérifier l'identité du porteur d'un chèque ou d'une carte bancaire et dissuader tout porteur qui n'est pas le titulaire du chèque ou de la carte bancaire, de l'utiliser frauduleusement, caractérisé par l'intégration d'une micropuce dans le chèque ou la carte bancaire (1) contenant le négatif de la photographie de son titulaire et/ou toute autre donnée personnalisant le moyen de paiement et encore caractérisé en ce qu'il comporte un boîtier (2) sur socle pivotant (3), muni d'une batterie d'alimentation (5), présentant une glissière centrale (6) dans laquelle est introduit le chèque ou la carte bancaire entraîné par un moteur (8), et incorporant un téléobjectif (7) déclenché par le passage de la puce  1) Device for verifying the identity of the holder of a check or a bank card and dissuading any holder who is not the holder of the check or the bank card from using it fraudulently, characterized by integration a microchip in the check or bank card (1) containing the negative of the photograph of its holder and / or any other data personalizing the means of payment and further characterized in that it comprises a box (2) on a base swivel (3), provided with a supply battery (5), having a central slide (6) into which is inserted the check or the bank card driven by a motor (8), and incorporating a triggered telephoto (7) by the passage of the chip et permettant l'agrandissement des données qu'elle contient sur la face antérieure (9) du boîtier.  and allowing the enlargement of the data it contains on the front face (9) of the housing. 2) Dispositif selon la revendication I caractérisé en ce que le boîtier intégre un photocopieur  2) Device according to claim I characterized in that the housing includes a photocopier (10) permettant de copier l'agrandissement de la micropuce.  (10) allowing to copy the enlargement of the microchip.
FR9815240A 1998-11-30 1998-11-30 Identification verification of bearer of check or bank card Pending FR2786587A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
FR9815240A FR2786587A1 (en) 1998-11-30 1998-11-30 Identification verification of bearer of check or bank card

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FR9815240A FR2786587A1 (en) 1998-11-30 1998-11-30 Identification verification of bearer of check or bank card

Publications (1)

Publication Number Publication Date
FR2786587A1 true FR2786587A1 (en) 2000-06-02

Family

ID=9533510

Family Applications (1)

Application Number Title Priority Date Filing Date
FR9815240A Pending FR2786587A1 (en) 1998-11-30 1998-11-30 Identification verification of bearer of check or bank card

Country Status (1)

Country Link
FR (1) FR2786587A1 (en)

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2606188A1 (en) * 1986-11-03 1988-05-06 Cornille Jean Louis Clipcard with photo of the holder incorporated in memory
WO1989008899A1 (en) * 1988-03-10 1989-09-21 Datacard Corporation Credit card transaction apparatus and method
WO1993019942A1 (en) * 1992-04-07 1993-10-14 Intelicard Technologies, Inc. Process and system for reading and writing images and related data to an integrated circuit card
EP0618543A2 (en) * 1993-04-02 1994-10-05 BORUS SPEZIALVERFAHREN UND- GERÄTE IM SONDERMASCHINENBAU GmbH Identification system
EP0721174A2 (en) * 1995-01-05 1996-07-10 Eastman Kodak Company Method and apparatus for multiple quality transaction card images
DE19630648A1 (en) * 1996-07-30 1998-02-05 Diehl Gmbh & Co Banknote with increased security against forgery

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR2606188A1 (en) * 1986-11-03 1988-05-06 Cornille Jean Louis Clipcard with photo of the holder incorporated in memory
WO1989008899A1 (en) * 1988-03-10 1989-09-21 Datacard Corporation Credit card transaction apparatus and method
WO1993019942A1 (en) * 1992-04-07 1993-10-14 Intelicard Technologies, Inc. Process and system for reading and writing images and related data to an integrated circuit card
EP0618543A2 (en) * 1993-04-02 1994-10-05 BORUS SPEZIALVERFAHREN UND- GERÄTE IM SONDERMASCHINENBAU GmbH Identification system
EP0721174A2 (en) * 1995-01-05 1996-07-10 Eastman Kodak Company Method and apparatus for multiple quality transaction card images
DE19630648A1 (en) * 1996-07-30 1998-02-05 Diehl Gmbh & Co Banknote with increased security against forgery

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
"CURRENCY WITH AN INTEGRATED CHIP", IBM TECHNICAL DISCLOSURE BULLETIN, vol. 32, no. 5A, 1 October 1989 (1989-10-01), pages 427, XP000048976, ISSN: 0018-8689 *

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