FR2860326A1 - Automatic bank cash machine uses biometric test on user's hand in order to authenticate card holder before dispensing cash - Google Patents

Automatic bank cash machine uses biometric test on user's hand in order to authenticate card holder before dispensing cash Download PDF

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Publication number
FR2860326A1
FR2860326A1 FR0311389A FR0311389A FR2860326A1 FR 2860326 A1 FR2860326 A1 FR 2860326A1 FR 0311389 A FR0311389 A FR 0311389A FR 0311389 A FR0311389 A FR 0311389A FR 2860326 A1 FR2860326 A1 FR 2860326A1
Authority
FR
France
Prior art keywords
user
hand
cash
card holder
automatic bank
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Withdrawn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
FR0311389A
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French (fr)
Inventor
Patrick Jean Michel Fourrier
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 FR0311389A priority Critical patent/FR2860326A1/en
Publication of FR2860326A1 publication Critical patent/FR2860326A1/en
Withdrawn legal-status Critical Current

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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
    • 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
    • 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

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

Abstract

The system provides authentication of a customer at automatic bank cash machine uses a biometric test carried out on the user's hand (3). If successful, then the user is given access to the cash machine facilities. The system provides authentication of a customer at automatic bank cash machines. The equipment (1) includes a slot (2) for introduction of the bank card. After identification of the card holder, a biometric test is carried out on the user's hand (3), placed on a platform under the machine. If this test is successfully validated, then the user is given access to the cash machine facilities. Successive operations may be followed on a screen (4), and a set of control buttons (5) are provided for operating the machine, and requesting a receipt if required.

Description

La présente invention concerne un dispositif d'authentification,réservéThe present invention relates to an authentication device, reserved

aux distributeurs automatiques,pour les opérations de retrait d'argent.  at vending machines, for cash withdrawal operations.

La carte bancaire,actuellement seul concept,n'évite toutefois pas les multiples problèmes,liés aux vols,piratages et autres.  The credit card, currently only concept, however does not avoid the many problems, related to theft, hacking and others.

Le dispositif selon l'invention permet de remédier à cet inconvénient.  The device according to the invention overcomes this disadvantage.

Il comporte en effet selon une première caractéristique,une carte permettant l'identification de l'usager,à l'établissement bancaire,par un numéro matricule. Cette opération permet ensuite,l'accès à l'instruction biométrique,par la morphologie de la main et de la lecture d'empreintes de l'usager,permettant l'authentification de l'usager. A la reconnaissance,le traitement de l'opération demandée,est éxécuté . Selon des modes particuliers de réalisation: La borne de distribution de billets,comporte un simple boitier intangible.  It comprises in fact according to a first feature, a card for the identification of the user, the bank, by a registration number. This operation then allows access to the biometric instruction, by the morphology of the hand and the reading of fingerprints of the user, allowing the authentication of the user. At recognition, the processing of the requested operation is executed. According to particular embodiments: The ticket dispensing terminal, comprises a simple intangible box.

A l'identification de l'individu,par l'introduction dans l'orifice du boitier,par une carte,permet l'accès d'ouverture.  At the identification of the individual, by the introduction in the orifice of the box, by a card, allows the access of opening.

La lecture biométrique de la main,,constitue le déroulement suivant de l'opération.  The biometric reading of the hand, constitutes the next course of the operation.

Après acceptation des renseignements,le déclenchement de l'opération de 20 retrait d'argent,peut s'éffectuer,par pianotage des touches,sur un clavier et d'un écran,pour visualiser le déroulement des opérations.  After acceptance of the information, the triggering of the cash withdrawal operation may be effected by keying the keys on a keyboard and a screen to view the progress of operations.

L'opération finale reste la même,à la version actuelle.  The final operation remains the same, to the current version.

Le dessin annexé illustre l'invention: La figure représente,le dispositif de l'invention.  The attached drawing illustrates the invention: The figure shows the device of the invention.

En référence à ce dessin,le dispositif comporte un appareil(1),afin d'éffectuer des retraits d'argent,à l'aide d'une carte,introduite dans l' orifice(2),permettant d'accéder à l'identification de 1'individu.Après acceptation,une deuxième opération par la biométrie de la main, constituant la reconnaissance de morphologie et la lecture d'empreintes digitales (3); donne l'accès au compte personnel de l'usager.  With reference to this drawing, the device comprises an apparatus (1), in order to make withdrawals of money, using a card, introduced into the orifice (2), allowing access to the identification of the individual.After acceptance, a second operation by hand biometrics, constituting morphology recognition and fingerprinting (3); gives access to the user's personal account.

Les informations pour suivre l'opération,sont diffusées sur l'écran du dispositif(4),identique à la version antérieure,ainsi que les demandes enregistrées par les touches(5) . La phase finale de l'opération,restitue la carte à son destinataire, 35 avec la possibilité d'un reçu.  The information to follow the operation, are broadcast on the screen of the device (4), identical to the previous version, and the requests recorded by the keys (5). The final phase of the operation, returns the card to the recipient, 35 with the possibility of a receipt.

Le dispositif de reconnaissance par la biométrie,selon l'invention est particulièrement destiné aux distributeurs bancaire automatiques de billets.  The biometric recognition device according to the invention is particularly intended for automatic bank cash dispensers.

Claims (4)

-2-REVENDICATIONS-2-CLAIMS 1) Dispositif permettant d'authentifier l'usager,aux distributeurs bancaire automatiques,pour les opérations de retrait d'argent,caractérisé par un boitier intangible (1) .  1) Device for authenticating the user, automatic cash dispensers for cash withdrawal operations, characterized by an intangible box (1). 2) Dispositif selon la revendication 1 caractérisé en ce que le boitier(l) , 5 est pourvu d'un orifice(2),pour y introduire une carte d'identification, afin d'ouvrir l'accès aux opérations suivantes.2) Device according to claim 1 characterized in that the housing (l), 5 is provided with an orifice (2), to introduce an identification card, to open access to the following operations. 3) Dispositif selon la revendication 2 caractérisé en ce que les renseignements suivants de l'usager pour accéder à son compte personnel, soit sous l'instruction de la biométrie de la main,par la morphologie et la lecture d'empreintes.  3) Device according to claim 2 characterized in that the following information of the user to access his personal account, under the instruction of biometrics of the hand, morphology and fingerprint reading. 4) Dispositif selon la revendication 2 et la revendication 3 caractérisé en ce qu'après acceptation des renseignemepts,peut s'éffectuer l'opération bancaire demandée;la restitution de la carte bancaire et la délivrance d'un reçu, se faisant en phase finale.  4) Device according to claim 2 and claim 3 characterized in that after acceptance of the information, can perform the requested banking operation, the return of the bank card and the issuance of a receipt, being in the final phase .
FR0311389A 2003-09-29 2003-09-29 Automatic bank cash machine uses biometric test on user's hand in order to authenticate card holder before dispensing cash Withdrawn FR2860326A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
FR0311389A FR2860326A1 (en) 2003-09-29 2003-09-29 Automatic bank cash machine uses biometric test on user's hand in order to authenticate card holder before dispensing cash

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
FR0311389A FR2860326A1 (en) 2003-09-29 2003-09-29 Automatic bank cash machine uses biometric test on user's hand in order to authenticate card holder before dispensing cash

Publications (1)

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FR2860326A1 true FR2860326A1 (en) 2005-04-01

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FR0311389A Withdrawn FR2860326A1 (en) 2003-09-29 2003-09-29 Automatic bank cash machine uses biometric test on user's hand in order to authenticate card holder before dispensing cash

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FR (1) FR2860326A1 (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1732047A1 (en) * 2005-06-03 2006-12-13 Hitachi-Omron Terminal Solutions, Corp. Automated teller machine

Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5335288A (en) * 1992-02-10 1994-08-02 Faulkner Keith W Apparatus and method for biometric identification
EP0878780A2 (en) * 1997-05-16 1998-11-18 Ncr International Inc. User verification system
WO1999030267A1 (en) * 1997-12-08 1999-06-17 Soltesz John A Self-service kiosk with biometrics verification and/or registration capability
EP1139301A2 (en) * 2000-03-24 2001-10-04 Matsushita Electric Industrial Co., Ltd. An apparatus for identity verification, a system for identity verification, a card for identity verification and a method for identity verification based on identification by biometrics

Patent Citations (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5335288A (en) * 1992-02-10 1994-08-02 Faulkner Keith W Apparatus and method for biometric identification
EP0878780A2 (en) * 1997-05-16 1998-11-18 Ncr International Inc. User verification system
WO1999030267A1 (en) * 1997-12-08 1999-06-17 Soltesz John A Self-service kiosk with biometrics verification and/or registration capability
EP1139301A2 (en) * 2000-03-24 2001-10-04 Matsushita Electric Industrial Co., Ltd. An apparatus for identity verification, a system for identity verification, a card for identity verification and a method for identity verification based on identification by biometrics

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1732047A1 (en) * 2005-06-03 2006-12-13 Hitachi-Omron Terminal Solutions, Corp. Automated teller machine

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Effective date: 20060531