FR2919414A1 - Credit card legal holder identifying device for use during payment in store, has digitized photography integrated during printing of credit card and visible by merchant, and digitized signature integrated during printing of plastic card - Google Patents

Credit card legal holder identifying device for use during payment in store, has digitized photography integrated during printing of credit card and visible by merchant, and digitized signature integrated during printing of plastic card Download PDF

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Publication number
FR2919414A1
FR2919414A1 FR0705438A FR0705438A FR2919414A1 FR 2919414 A1 FR2919414 A1 FR 2919414A1 FR 0705438 A FR0705438 A FR 0705438A FR 0705438 A FR0705438 A FR 0705438A FR 2919414 A1 FR2919414 A1 FR 2919414A1
Authority
FR
France
Prior art keywords
card
digitized
credit card
during printing
merchant
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Withdrawn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
FR0705438A
Other languages
French (fr)
Inventor
Pietro Nieddo
Nevannao Samantha Le
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 FR0705438A priority Critical patent/FR2919414A1/en
Publication of FR2919414A1 publication Critical patent/FR2919414A1/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Withdrawn legal-status Critical Current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
    • G06K—GRAPHICAL DATA READING; PRESENTATION OF DATA; RECORD CARRIERS; HANDLING RECORD CARRIERS
    • G06K19/00—Record carriers for use with machines and with at least a part designed to carry digital markings
    • G06K19/06—Record carriers for use with machines and with at least a part designed to carry digital markings characterised by the kind of the digital marking, e.g. shape, nature, code
    • G06K19/067—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components
    • G06K19/07—Record carriers with conductive marks, printed circuits or semiconductor circuit elements, e.g. credit or identity cards also with resonating or responding marks without active components with integrated circuit chips
    • 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
    • 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
    • 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
    • G07C9/24—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature

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  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Physics & Mathematics (AREA)
  • Accounting & Taxation (AREA)
  • Theoretical Computer Science (AREA)
  • General Business, Economics & Management (AREA)
  • Strategic Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Finance (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Human Computer Interaction (AREA)
  • Computer Hardware Design (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

The device has a digitized photography (1) integrated during printing of a credit card made of plastic such as PVC, and visible by a merchant, and a digitized signature integrated during printing of the plastic card, where identification is represented by the signature integration during printing of the plastic card. The identification is represented by storage of the digitized photography in an electronic chip (2) incorporated during the manufacturing and printing of the card.

Description

-1- La présente invention concerne un dispositif permettant de limiterThe present invention relates to a device for limiting

l'usage d'une carte bancaire à son seul détenteur légal dans le cadre d'achats en magasin et par là même d'empêcher l'utilisation frauduleuse par un tiers. Actuellement, une carte bancaire classique comporte uniquement le nom, le prénom et la signature du détenteur légal de la carte comme éléments d'identification ; cependant ces éléments ne sont jamais vérifiés lors d'achats. Le code secret permet d'associer le propriétaire et la carte bancaire classique, mais il peut être transmis sciemment ou copié frauduleusement. Le dispositif de la présente invention permet aux marchands d'associer facilement acheteur et carte bancaire. La carte bancaire équipée du dispositif de l'invention permet en effet d'identifier le propriétaire de la carte bancaire. Le dispositif de la présente invention consiste en une photographie incorporée à la carte bancaire, à la signature numérisée ainsi qu'en un logo représentant le pays d'émission de la carte bancaire. Ceci demande uniquement une vérification visuelle de la part du marchand. Selon les modes de réalisation : - la photographie du détenteur légal de la carte bancaire est une photographie numérique ou numérisée et imprimée directement lors de la production de la carte bancaire sur le recto. Le demandeur d'une carte bancaire joint une photographie à sa demande de carte et celle-ci sera numérisée afin d'être incorporée à la carte de la même façon que le logo de la banque émettrice, ou une photographie numérique pourra être prise dans les locaux de la succursale bancaire et transmise via un fichier électronique avec la demande de carte aux fournisseurs producteurs de la carte plastique. - la photographie du propriétaire de la carte bancaire est incorporée à la puce électronique présente sur la carte afin de pouvoir être vue à distance sur un périphérique disposé près du marchand. Ce cas de figure se rencontre souvent car le marchand ne manipule plus la carte bancaire du client. La photographie apparaît donc dans la séquence de paiement, est validée par le marchand, puis suivie de l'autorisation de paiement consécutive à la validation du code secret. le logo du pays émetteur est intégré lui-aussi lors de l'impression de la carte bancaire. - la signature du propriétaire de la carte bancaire est elle aussi numérisée et intégrée au verso 30 de la carte. Les dessins annexés illustrent le dispositif de l'invention : La figure 1 représente une vue du recto de la carte bancaire comportant le dispositif. La figure 2 représente une vue du verso de la carte bancaire comportant le dispositif. -2- Le dispositif d'identification est intégré à la carte bancaire standard en plastique (PVC) lors de l'impression : La photographie (1) devra être une vue de face, des épaules à la tête, en couleurs sur fond blanc avec des dimensions proches de 45 mm x 55 mm.  the use of a bank card to its sole legal holder in the context of purchases in store and thereby prevent fraudulent use by a third party. Currently, a classic bank card only contains the name, surname and signature of the legal cardholder as identification; however these items are never verified during purchases. The secret code allows to associate the owner and the classic bank card, but it can be transmitted knowingly or copied fraudulently. The device of the present invention allows merchants to easily associate buyer and bank card. The bank card equipped with the device of the invention makes it possible to identify the owner of the bank card. The device of the present invention consists of a photograph incorporated in the bank card, the digitized signature and a logo representing the country of issue of the bank card. This only requires a visual check from the merchant. According to the embodiments: - The photograph of the legal holder of the bank card is a digital photograph or digitized and printed directly during the production of the bank card on the front. The applicant for a bank card attaches a photograph to his card application and it will be scanned for inclusion in the card in the same way as the issuing bank's logo, or a digital photograph may be taken in the cards. local bank branch and transmitted via an electronic file with the card application to suppliers producing the plastic card. - The photograph of the owner of the credit card is incorporated into the electronic chip on the card so that it can be viewed remotely on a device located near the merchant. This case often occurs because the merchant no longer handles the customer's credit card. The photograph appears in the payment sequence, is validated by the merchant, then followed by the authorization of payment following the validation of the secret code. the logo of the issuing country is also integrated when printing the bank card. - the signature of the owner of the credit card is also digitized and integrated on the back 30 of the card. The accompanying drawings illustrate the device of the invention: FIG. 1 represents a front view of the bank card comprising the device. Figure 2 shows a view of the back of the bank card with the device. -2- The identification device is integrated into the standard plastic bank card (PVC) when printing: The photograph (1) should be a front view, from the shoulders to the head, in color on a white background with dimensions close to 45 mm x 55 mm.

La photographie (1), le logo du pays émetteur (5) ainsi que la signature (3) sont numérisés afin de pouvoir être intégrés avec les autres éléments informatisés (logos de la banque et de la carte bancaire, hologramme, piste magnétique, textes, fond) ou physique (puce électronique) à la carte plastique lors de l'impression selon les technologies dites de sublimation de colorant et/ou transfert thermique . Ce dispositif permet une amélioration de la sécurisation de la carte car tous ces composants sont fondus dans le PVC et il est impossible de substituer une photographie par une autre. La durée de lisibilité de la signature (3) et l'impossibilité de la réécrire (application d'un patch en stratifié préférable au vernis de recouvrement) diminue le risque de falsification de la carte bancaire.  The photograph (1), the logo of the issuing country (5) as well as the signature (3) are digitized so that they can be integrated with the other computerized elements (bank and credit card logos, hologram, magnetic stripe, texts , background) or physical (microchip) to the plastic card during printing according to the so-called dye sublimation and / or heat transfer technologies. This device makes it possible to improve the security of the card because all these components are melted in the PVC and it is impossible to substitute one photograph for another. The duration of legibility of the signature (3) and the impossibility of rewriting it (application of a laminate patch preferable to the coating varnish) reduces the risk of forgery of the bank card.

Préalablement à l'incorporation de la puce électronique (2) dans la carte plastique, la photographie (1) numérique ou numérisée aura été stockée dans la puce électronique (2). Le programme de lecture des cartes bancaires devra être modifié. En effet, un codage informatique est nécessaire afin de permettre la visualisation de la photographie (1) du propriétaire de la carte par le marchand ainsi que la validation de l'association photographie- acheteur par le marchand. Le dispositif selon l'invention s'applique lors de la création de toutes les cartes bancaires utilisées actuellement et serait utilisée par l'industrie bancaire entière.  Prior to the incorporation of the electronic chip (2) into the plastic card, the digital or digitized photograph (1) has been stored in the electronic chip (2). The program for reading bank cards will have to be modified. Indeed, a computer coding is necessary in order to allow the display of the photograph (1) of the owner of the card by the merchant as well as the validation of the association photograph-buyer by the merchant. The device according to the invention applies when creating all bank cards currently used and would be used by the entire banking industry.

Claims (5)

REVENDICATIONS 1) Dispositif permettant d'identifier le détenteur légal d'une carte bancaire utilisée lors d'un paiement caractérisé par l'intégration de la photographie (1) numérisée lors de l'impression de la carte plastique et visible par le marchand.  1) Device for identifying the legal holder of a bank card used during a payment characterized by the integration of the photograph (1) digitized when printing the plastic card and visible by the merchant. 2) Dispositif selon la revendication 1 caractérisé en ce que l'identification est 5 représentée par l'intégration de la signature (3) numérisée lors de l'impression de la carte plastique.  2) Device according to claim 1 characterized in that the identification is represented by the integration of the digitized signature (3) during the printing of the plastic card. 3) Dispositif selon la revendication 1 caractérisé en ce que l'identification est représentée par le stockage de la photographie (1) numérisée dans la puce électronique (2) incorporée au cours de la fabrication et de l'impression de la carte. 10  3) Device according to claim 1 characterized in that the identification is represented by the storage of the photograph (1) digitized in the electronic chip (2) incorporated during the manufacture and printing of the card. 10 4) Dispositif selon la revendication 3 caractérisé par la visualisation à distance et la validation sur un périphérique informatique par le marchand de la photographie (1) du détenteur légal d'une carte bancaire utilisée lors d'un paiement.  4) Device according to claim 3 characterized by remote viewing and validation on a computer device by the merchant of the photograph (1) of the legal holder of a credit card used for payment. 5) Dispositif selon la revendication 1 caractérisé en ce qu'il permet d'identifier le pays d'origine de ladite carte bancaire utilisée lors d'un paiement, l'identification étant 15 représentée par un logo (5) (identifiant le pays) intégré lors de l'impression de la carte plastique et visible par le marchand.  5) Device according to claim 1 characterized in that it identifies the country of origin of said bank card used for payment, the identification being represented by a logo (5) (identifying the country) integrated when printing the plastic card and visible by the merchant.
FR0705438A 2007-07-25 2007-07-25 Credit card legal holder identifying device for use during payment in store, has digitized photography integrated during printing of credit card and visible by merchant, and digitized signature integrated during printing of plastic card Withdrawn FR2919414A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
FR0705438A FR2919414A1 (en) 2007-07-25 2007-07-25 Credit card legal holder identifying device for use during payment in store, has digitized photography integrated during printing of credit card and visible by merchant, and digitized signature integrated during printing of plastic card

Applications Claiming Priority (1)

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FR0705438A FR2919414A1 (en) 2007-07-25 2007-07-25 Credit card legal holder identifying device for use during payment in store, has digitized photography integrated during printing of credit card and visible by merchant, and digitized signature integrated during printing of plastic card

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FR2919414A1 true FR2919414A1 (en) 2009-01-30

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FR0705438A Withdrawn FR2919414A1 (en) 2007-07-25 2007-07-25 Credit card legal holder identifying device for use during payment in store, has digitized photography integrated during printing of credit card and visible by merchant, and digitized signature integrated during printing of plastic card

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Citations (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR1564311A (en) * 1968-05-10 1969-04-18
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
US5157424A (en) * 1990-09-14 1992-10-20 Nbs Imaging Systems, Inc. Method and apparatus for manufacturing tamper-resistant identification cards
US5241600A (en) * 1991-07-16 1993-08-31 Thinking Machines Corporation Vertification system for credit or bank card or the like
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
US5321751A (en) * 1993-02-18 1994-06-14 Eastman Kodak Company Method and apparatus for credit card verification
US5355411A (en) * 1990-08-14 1994-10-11 Macdonald John L Document security system
US5420924A (en) * 1993-04-26 1995-05-30 Pitney Bowes Inc. Secure identification card and method and apparatus for producing and authenticating same by comparison of a portion of an image to the whole
WO1998018106A1 (en) * 1996-10-17 1998-04-30 Gkard S.A.S. Method and installation for producing a personalised user identification card which cannot be forged
GB2330674A (en) * 1997-10-21 1999-04-28 Michael Ian Davis Reducing card fraud

Patent Citations (11)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
FR1564311A (en) * 1968-05-10 1969-04-18
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
US5355411A (en) * 1990-08-14 1994-10-11 Macdonald John L Document security system
US5157424A (en) * 1990-09-14 1992-10-20 Nbs Imaging Systems, Inc. Method and apparatus for manufacturing tamper-resistant identification cards
US5241600A (en) * 1991-07-16 1993-08-31 Thinking Machines Corporation Vertification system for credit or bank card or the like
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
US5321751A (en) * 1993-02-18 1994-06-14 Eastman Kodak Company Method and apparatus for credit card verification
US5420924A (en) * 1993-04-26 1995-05-30 Pitney Bowes Inc. Secure identification card and method and apparatus for producing and authenticating same by comparison of a portion of an image to the whole
WO1998018106A1 (en) * 1996-10-17 1998-04-30 Gkard S.A.S. Method and installation for producing a personalised user identification card which cannot be forged
GB2330674A (en) * 1997-10-21 1999-04-28 Michael Ian Davis Reducing card fraud

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Effective date: 20110331