GB2273629A - Method for visual authentication by images transmitted over a telecommunication system - Google Patents

Method for visual authentication by images transmitted over a telecommunication system Download PDF

Info

Publication number
GB2273629A
GB2273629A GB9324898A GB9324898A GB2273629A GB 2273629 A GB2273629 A GB 2273629A GB 9324898 A GB9324898 A GB 9324898A GB 9324898 A GB9324898 A GB 9324898A GB 2273629 A GB2273629 A GB 2273629A
Authority
GB
United Kingdom
Prior art keywords
credit card
merchant
card number
computer controlled
visual
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Withdrawn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
GB9324898A
Other versions
GB9324898D0 (en
Inventor
Charles Arthur Witschorik
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.)
AT&T Corp
Original Assignee
American Telephone and Telegraph Co 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 American Telephone and Telegraph Co Inc filed Critical American Telephone and Telegraph Co Inc
Publication of GB9324898D0 publication Critical patent/GB9324898D0/en
Publication of GB2273629A publication Critical patent/GB2273629A/en
Withdrawn legal-status Critical Current

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • G07F7/1008Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/04Payment circuits
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/401Transaction verification
    • G06Q20/4014Identity check for transactions
    • G06Q20/40145Biometric identity checks
    • GPHYSICS
    • G06COMPUTING; CALCULATING OR COUNTING
    • G06QINFORMATION 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
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/38Payment protocols; Details thereof
    • G06Q20/40Authorisation, 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
    • G06Q20/403Solvency checks
    • G06Q20/4037Remote solvency checks
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07CTIME 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
    • G07C9/00Individual registration on entry or exit
    • G07C9/20Individual registration on entry or exit involving the use of a pass
    • G07C9/22Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25Individual 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
    • G07C9/253Individual 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
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • HELECTRICITY
    • H04ELECTRIC COMMUNICATION TECHNIQUE
    • H04MTELEPHONIC COMMUNICATION
    • H04M3/00Automatic or semi-automatic exchanges
    • H04M3/38Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections
    • H04M3/382Graded-service arrangements, i.e. some subscribers prevented from establishing certain connections using authorisation codes or passwords

Abstract

A merchant transmits over a channel in a telecommunications system the credit card number of a person seeking to making a credit card purchase. The request is received by a database and utilized to locate a record corresponding to the credit card number. A visual image stored in the database which corresponds to the credit card number is transmitted to a visual display terminal at the merchant location to assist the merchant in authentication of the authority of the person presenting the credit card. <IMAGE>

Description

METHOD FOR VISUAL AUTHENTICATION BY IMAGES TRANSMITTED OVER A TELECOMMUNICATION SYSTEM Background of the Invention This invention is generally directed to the process of verifying a person's identity or authority for a particular purpose. This invention is particularly, but not exclusively, suited for use in permitting a merchant to visually authenticate if a person requesting to charge a purchase to a credit card is authorized to utilize the corresponding credit card account.
Various types of encryption keys and secret passwords have been utilized to authenticate the authority of a person to obtain access to restricted information or locations. Encrypted messages may be transmitted over the public switched telephone network to a receiving party having a decrypting key allowing the receiving party to recover a corresponding plain text message. The use of encryption keys for authentication purposes require relatively sophisticated communication devices and system control in order to remain effective.
Authentication that a person is authorized to enter into a financial transaction in a business setting normally relies upon conventional practices. For example, a merchant desiring to authenticate a person's authority to make a credit card purchase may compare a signature on the back of a credit card to the signature of the person requesting such a purchase. Personal identification can be made by comparing a photograph disposed on a credit card or other identification such as a driver's license to the person seeking to make a credit card purchase. It is also known to utilize a personal identification number (PIN) as a password which may be required to be entered or given for a requested transaction to be processed, such as when utilizing an automatic teller machine.
The use of photographs for authentication is desirable for normal business use. However, enclosing photographs in a credit card is relatively expensive for the company issuing the credit card. The problem becomes even more difficult when a primary credit card applicant desires to have other persons authorized to utilize the same card. It is possible for a person seeking to defraud a merchant to tamper with a credit card or other identification so as to replace an existing photograph with the photograph of the person seeking to commit the fraud.
Thus, there exists a need for an improved method by which visual authentication can be made of persons seeking to gain access to restricted rights or accounts.
Summary of the Invention It is an object of the present invention to provide an improved authentication method wherein an inquirer is automatically provided a visual image of the authorized user(s) associated with an identification data word such as a credit card number.
In accordance with an embodiment of the present invention, a merchant utilizes a point-of-sale terminal to transmit a credit card number via a communication channel to an authorization database. The database contains the validation status of each credit card number or account and a corresponding field(s) of pictures of authorized users of each credit card number. Upon processing a request for credit card validation and determining the credit card number to be valid, the database transmits the digitally stored picture(s) to a visual display terminal of the merchant preferably in combination with a confirmation number indicating authorization to charge the account, thereby enabling the merchant to make a visual comparison to authenticate the authority of the person presenting the credit card.
Brief Description of the Drawing FIG. 1 illustrates a pictorial representation of a telecommunications system, which in accordance with the present invention, can be utilized to provide visual authentication.
Detailed Description FIG. 1 illustrates a system which incorporates an embodiment of the present invention. In the exemplary embodiment, a merchant or inquirer at location 10 has access to a credit card reader 12, a point-of-sale terminal 14 and a visual display terminal 16 which may comprise an AT & VideoPhone. The magnetic card reader 12 reads the account number typically embedded on a magnetic strip on the card as credit card 18 is passed through the reader. The account number is transmitted by reader 12 over data channel 20 to point-of-sale terminal 14. The video display terminal 16 is coupled by communication channel 22 with communication link 24 indirectly through point-of-sale terminal 14.
Communication channel 24 couples the point-of-sale terminal 14 and video display terminal 16 to a telephone central office 26. The central office 26 which may comprise an AT & 5MESS) switch, is connected to a switched network 28 by communication channel 30. The switch network 28 may comprise part of the public switched telephone network or a private communications network.
A service circuit node 32 such as available from AT & is coupled to switch network 28 by communication channel 34. The service circuit node 32 comprises a computer controlled peripheral to a switching network and is utilized to provide auxiliary services. A database 36 is coupled to the service circuit node 32 by communication channel 38. The database 36 in accordance with the preferred embodiment of the present invention comprises an independent computer controlled database in which data is stored in a nonvolatile storage memory such a computer disk drive.
In the illustrative embodiment, database 36 stores data in a format as shown in table 40 in which data is stored in different fields for each credit card number or account. The table consists of a matrix in which different credit card numbers are stored in column 42. Each row of the table contains information related to the corresponding credit card number. Column 44 is a validation field utilized to determine if the corresponding credit card number is valid. Column 46 contains the remaining credit reserve of the credit card account. Columns 44, 50, and 52 contain visual data VD1, VD2, and VD(N), respectively, which represent visual information for each credit card number. The visual data comprises digitized images such as pictures of authorized users which may be stored in a compressed data format in the table in order to conserve storage space.In the preferred embodiment of the present invention, it is contemplated that a picture of each authorized user will be stored in the visual data fields. However, other visual information such as images of the signature of authorized users or fingerprints of authorized users could be utilized. As used herein, visual information means a pictorial representation of a feature or attribute of a person which can aid in identifying the person. It will be apparent that the information contained in table 40 must be collected for each credit card number in database 36 in order to be utilized for validation purposes discussed below. It will also be apparent that table 40 will need to be updated in order to maintain current and accurate data relating to each credit card number or account.
In accordance with an exemplary method of the present invention, visual information is provided by the telecommunications system to help a merchant or inquirer validate that the person requesting to make a credit card purchase is authorized. Although this example focuses on credit card usage and authentication of persons authorized, it will be apparent that the method in accordance with the present invention can be utilized to validate or authenticate persons requiring access to various benefits or locations in addition to the illustrative example.
Upon a customer's request for a credit card purchase, the merchant transmits an identification data word such as the credit card number via a telecommunications system to a database having credit card validation capability.
Typically, the merchant may utilize the credit card reader 12 to automatically read the credit card number from credit card 18 by passing the credit card through the reader. The credit card number is transmitted to a point-of-sale terminal 14 located at the merchant location 10. The point-of-sale terminal utilizing conventional modem technology transmits the request for validation including credit card number by channel 24 to a destination having validation capabilities. In the illustrative example the request is processed and passes through central office 26, switched network 28, and service circuit node 32 before reaching validation database 36.
Upon receiving the request for validation, database 36 initiates a search of column 42 of the data contained in table 40 to identify if a corresponding card number exists. If such a number is located, the validation data field 44 for the corresponding card is checked to determine if the card is valid. As an additional step the database may check the credit reserve data in column 46 to determine if sufficient credit remains for the requested purchase where the amount of the purchase has been transmitted along with the credit card number. The database 36 also identifies corresponding visual data consisting of digitized pictures of authorized users which may be utilized to authenticate the authority of the credit card presenter.
Assuming that a corresponding card number was located by database 36 and determined to be valid, database 36 transmits a confirmation number authorizing the purchase through the same return path upon which the request was received. The point-of-sale terminal 14 accepts the received confirmation number as account authorization. Database 36 preferably also utilizes the same path to transmit corresponding visual data related to the credit card number as stored in table 40 to video display terminal 16. The video display terminal receives the visual data and displays the corresponding image or images upon its visual display screen at the merchant location 10.Preferably, the image is frozen on the screen either by the video display terminal or by the database repetitively sending the same visual data The merchant can then make a visual comparison to determine if the person requesting the credit card purchase is an authorized user by comparing the presented picture of authorized person(s) to the person requesting credit card authorization. If the merchant determines that the credit card user matches a displayed picture, the merchant would then accept the requested credit card purchase with substantial assurance that the person utilizing the credit card is an authorized user.
Database 36 may either comprise part of the telecommunications system or may be maintained as a private database utilized by different issuers of credit cards. If a plurality of databases are utilized for different credit card issuers, the above example would proceed the same with the only difference being that the request would be routed to the appropriate database by the telecommunications system. In the illustrative embodiment the same database was utilized to perform the traditional credit card account/number validation utilizing columns 44 and 46, and to store the related visual data.However, a database that stores traditional account validation data may contain identification of individual authorized users such as by social security number or personal identification number which can be utilized as addresses for a separate database containing visual data corresponding to each user.
It will be apparent to those skilled in the art that the functions performed by the equipment utilized at the merchant location 10 may be performed by a single piece of equipment based on a personal computer in which communications over channel 24 are provided by a conventional modem and the visual data received from the database converted into pixel information displayed upon a connected monitor.
In accordance with the present invention a merchant or other inquirer having responsibility to validate a person's requested access to certain benefits or locations is provided with an improved means for making the authorization judgement. Visual images such as pictures provide a substantially higher degree of reliability for making the authorization determination than other means based upon indicia present upon the card presented by the requesting person. It is known that cards can be modified to change the intended validation indicia such as by substituting a different signature or inserting a different photograph than was originally present on the card. In accordance with the present invention the received image is outside of the control of a person who wrongfully acquires and attempts to utilize a credit card. Thus, the present invention provides a substantially improved authentication technique which should deter the stealing and attempted use of stolen credit cards because of the higher risk associated with wrongful attempted use.
Although an embodiment of the present invention has been illustrated and described herein, the scope of the invention is defined by the claims which follow.

Claims (7)

Claims:
1. In a public switched telecommunications network (PSIN) having a computer controlled peripheral that facilitates auxiliary telecommunication services, the PSTN coupled to a plurality of point of sale merchants that process credit card transactions with customers, the merchants having means for transmitting a customer's credit card number and visual display equipment coupled to the PSTN, a method for providing authentication to a merchant of a customer's identity prior to acceptance by the merchant of a credit card transaction, the method comprising the steps of:: receiving at said computer controlled peripheral a customer's credit card number sent by a requesting merchant using said transmitting means; said computer controlled peripheral using the received credit card number to locate a corresponding record in a database associated with the peripheral, said record including a stored visual image associated with the corresponding customer; said computer controlled peripheral transmitting said visual image to the visual display equipment of the requesting merchant, whereby the merchant is given visual identification information to use in authentication of the customer.
2. The method according to claim 1 further comprising the step of determining if said credit card number is valid by checking validation data stored in a corresponding record stored in the database associated with said computer controlled peripheral.
3. The method according to claim 2 wherein said validation determining step comprises the step of using a validation field in the same record in which said visual image is stored for the same credit card number.
4. The method according to claim 2 further comprising the step of sending data from said computer controlled peripheral to the requesting merchant indicative of whether said credit card number is valid, said validity indicative data being sent automatically when said visual image is sent.
5. The method according to claim 1 further comprising the step of routing a transmission of a customer's credit card number from a requesting merchant to said computer controlled peripheral which is part of said PSTN so that processing is handled solely within said PSTN.
6. The method according to claim 1 wherein said visual image comprises a picture of one person authorized to use the associated credit card.
7. The method according to claim 6 wherein said visual image comprises a picture of each person authorized to use the associated credit card.
GB9324898A 1992-12-16 1993-12-03 Method for visual authentication by images transmitted over a telecommunication system Withdrawn GB2273629A (en)

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
US99227892A 1992-12-16 1992-12-16

Publications (2)

Publication Number Publication Date
GB9324898D0 GB9324898D0 (en) 1994-01-19
GB2273629A true GB2273629A (en) 1994-06-22

Family

ID=25538130

Family Applications (1)

Application Number Title Priority Date Filing Date
GB9324898A Withdrawn GB2273629A (en) 1992-12-16 1993-12-03 Method for visual authentication by images transmitted over a telecommunication system

Country Status (2)

Country Link
CA (1) CA2102464A1 (en)
GB (1) GB2273629A (en)

Cited By (15)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
DE19521901A1 (en) * 1995-06-16 1996-12-19 Sel Alcatel Ag Communication system with speech controlled activation of services
WO1997044761A1 (en) * 1996-05-23 1997-11-27 Ulrich Seng Cashless payment method
EP0824815A1 (en) * 1995-05-08 1998-02-25 Image Data, L.L.C. Positive identification system and method
WO1999026202A1 (en) * 1997-11-19 1999-05-27 Igor Viktorovich Maslov Visual authorisation system for plastic payment cards
WO2000007152A1 (en) * 1998-07-28 2000-02-10 Image Data, Llc System and method of assessing the quality of an identification transaction using an identification quality score
WO2001091060A1 (en) * 2000-05-24 2001-11-29 Telefonaktiebolaget L M Ericsson (Publ) Method and apparatus for buyer identification
EP1172776A2 (en) * 2000-07-15 2002-01-16 ED Vision (Holdings) Limited Interactive authentication process
DE10043499A1 (en) * 2000-09-01 2002-03-14 Bosch Gmbh Robert Data transmission method
DE10043554A1 (en) * 2000-09-01 2002-03-14 Otfried Rumberg Data network based identification procedure
WO2002021469A2 (en) * 2000-09-05 2002-03-14 Ed Vision (Holdings) Limited Interactive authentication process
WO2002035410A2 (en) * 2000-10-26 2002-05-02 Midsouth Distributors (Proprietary) Limited Verification system
EP1195732A3 (en) * 2000-10-02 2004-03-10 Werner Brauweiler Method and apparatus for customer oriented use of identification systems
WO2006078265A2 (en) * 2004-03-30 2006-07-27 Geometrix Efficient classification of three dimensional face models for human identification and other applications
WO2008153503A1 (en) * 2007-06-12 2008-12-18 Tiang Fo Gerard Tan A system for marking items, and a system to identify the marked items
WO2010122497A1 (en) * 2009-04-20 2010-10-28 Capicol (Pty) Limited A payment transaction processing and authorization system and method

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1986007480A1 (en) * 1985-06-11 1986-12-18 Media Net Ltd. Method and apparatus for preparing a check, money order or credit card
EP0501697A2 (en) * 1991-02-27 1992-09-02 AT&T Corp. Mediation of transactions by a communications system

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1986007480A1 (en) * 1985-06-11 1986-12-18 Media Net Ltd. Method and apparatus for preparing a check, money order or credit card
EP0501697A2 (en) * 1991-02-27 1992-09-02 AT&T Corp. Mediation of transactions by a communications system

Cited By (23)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0824815A1 (en) * 1995-05-08 1998-02-25 Image Data, L.L.C. Positive identification system and method
EP0824815A4 (en) * 1995-05-08 1999-11-17 Image Data L L C Positive identification system and method
DE19521901A1 (en) * 1995-06-16 1996-12-19 Sel Alcatel Ag Communication system with speech controlled activation of services
WO1997044761A1 (en) * 1996-05-23 1997-11-27 Ulrich Seng Cashless payment method
WO1999026202A1 (en) * 1997-11-19 1999-05-27 Igor Viktorovich Maslov Visual authorisation system for plastic payment cards
WO2000007152A1 (en) * 1998-07-28 2000-02-10 Image Data, Llc System and method of assessing the quality of an identification transaction using an identification quality score
WO2001091060A1 (en) * 2000-05-24 2001-11-29 Telefonaktiebolaget L M Ericsson (Publ) Method and apparatus for buyer identification
US7644045B2 (en) 2000-05-24 2010-01-05 Telefonaktiebolaget L M Ericsson (Publ) Method and apparatus for buyer identification
EP1172776A2 (en) * 2000-07-15 2002-01-16 ED Vision (Holdings) Limited Interactive authentication process
EP1172776A3 (en) * 2000-07-15 2002-10-16 ED Vision (Holdings) Limited Interactive authentication process
DE10043499A1 (en) * 2000-09-01 2002-03-14 Bosch Gmbh Robert Data transmission method
DE10043554A1 (en) * 2000-09-01 2002-03-14 Otfried Rumberg Data network based identification procedure
DE10043554C2 (en) * 2000-09-01 2002-10-24 Otfried Rumberg Data network based identification procedure
US7712139B2 (en) 2000-09-01 2010-05-04 Robert Bosch Gmbh Data transmission method
WO2002021469A2 (en) * 2000-09-05 2002-03-14 Ed Vision (Holdings) Limited Interactive authentication process
WO2002021469A3 (en) * 2000-09-05 2002-11-28 Ed Vision Holdings Ltd Interactive authentication process
EP1195732A3 (en) * 2000-10-02 2004-03-10 Werner Brauweiler Method and apparatus for customer oriented use of identification systems
WO2002035410A3 (en) * 2000-10-26 2002-07-11 Midsouth Distributors Propriet Verification system
WO2002035410A2 (en) * 2000-10-26 2002-05-02 Midsouth Distributors (Proprietary) Limited Verification system
WO2006078265A2 (en) * 2004-03-30 2006-07-27 Geometrix Efficient classification of three dimensional face models for human identification and other applications
WO2006078265A3 (en) * 2004-03-30 2007-05-03 Geometrix Efficient classification of three dimensional face models for human identification and other applications
WO2008153503A1 (en) * 2007-06-12 2008-12-18 Tiang Fo Gerard Tan A system for marking items, and a system to identify the marked items
WO2010122497A1 (en) * 2009-04-20 2010-10-28 Capicol (Pty) Limited A payment transaction processing and authorization system and method

Also Published As

Publication number Publication date
GB9324898D0 (en) 1994-01-19
CA2102464A1 (en) 1994-06-17

Similar Documents

Publication Publication Date Title
US5615277A (en) Tokenless security system for authorizing access to a secured computer system
CA2140803C (en) Method of authenticating a terminal in a transaction execution system
US6282523B1 (en) Method and apparatus for processing checks to reserve funds
US7269737B2 (en) System and method for biometric authorization for financial transactions
US5341428A (en) Multiple cross-check document verification system
KR100304774B1 (en) Personal identification authenticating with fingerprint identification
AU2001252615B2 (en) Method for attaching authentication bar code, authentication method, apparatus for attaching authentication bar code, authentication apparatus and portable terminal
US6036344A (en) Secure check processing system and method
US6070141A (en) System and method of assessing the quality of an identification transaction using an identificaion quality score
US7844550B2 (en) Method and device for generating a single-use financial account number
US6760841B1 (en) Methods and apparatus for securely conducting and authenticating transactions over unsecured communication channels
US7558407B2 (en) Tokenless electronic transaction system
US6052675A (en) Method and apparatus for preauthorizing credit card type transactions
US6985608B2 (en) Tokenless electronic transaction system
US6556680B1 (en) Method for authorization check
US7428987B2 (en) Cashless vending system
US20100299259A1 (en) Method and device for generating a single-use financial account number
US20030105725A1 (en) Tokenless identification system for authorization of electronic transactions and electronic transmissions
US20020147600A1 (en) System and method for implementing financial transactions using biometric keyed data
KR19990008405A (en) Active identification system and method
GB2273629A (en) Method for visual authentication by images transmitted over a telecommunication system
EP0798657B1 (en) Virtual shop computer network system which displays member shops and member shop certification method
US6912312B1 (en) Credit card verification system and method
JP2005063077A (en) Method and device for personal authentication and connector
US7690563B2 (en) Transaction security system

Legal Events

Date Code Title Description
WAP Application withdrawn, taken to be withdrawn or refused ** after publication under section 16(1)