GB2316908A - Memory card with digitally encoded image of user - Google Patents

Memory card with digitally encoded image of user Download PDF

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Publication number
GB2316908A
GB2316908A GB9618647A GB9618647A GB2316908A GB 2316908 A GB2316908 A GB 2316908A GB 9618647 A GB9618647 A GB 9618647A GB 9618647 A GB9618647 A GB 9618647A GB 2316908 A GB2316908 A GB 2316908A
Authority
GB
United Kingdom
Prior art keywords
card
memory means
according
digitally encoded
encoded image
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Withdrawn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
GB9618647A
Other versions
GB9618647D0 (en
Inventor
John Cowling
Original Assignee
John Cowling
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 John Cowling filed Critical John Cowling
Priority to GB9618647A priority Critical patent/GB2316908A/en
Publication of GB9618647D0 publication Critical patent/GB9618647D0/en
Publication of GB2316908A publication Critical patent/GB2316908A/en
Application status is Withdrawn legal-status Critical

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; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00Payment architectures, schemes or protocols
    • G06Q20/30Payment architectures, schemes or protocols characterised by the use of specific devices
    • G06Q20/34Payment architectures, schemes or protocols characterised by the use of specific devices 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; COUNTING
    • G06QDATA PROCESSING SYSTEMS OR METHODS, SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL, SUPERVISORY OR FORECASTING 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 transaction
    • G06Q20/40145Biometric identity 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 entry or exit registers
    • G07C9/00007Access-control involving the use of a pass
    • G07C9/00031Access-control involving the use of a pass in combination with an identity-check of the pass-holder
    • G07C9/00071Access-control involving the use of a pass in combination with an identity-check of the pass-holder by means of personal physical data, e.g. characteristic facial curves, hand geometry, voice spectrum, fingerprints
    • G07C9/00079Access-control involving the use of a pass in combination with an identity-check of the pass-holder by means of personal physical data, e.g. characteristic facial curves, hand geometry, voice spectrum, fingerprints visually

Abstract

The card 10, eg a credit card, comprises a film mounted ROM 12 containing a non-erasable digitally encoded image of the card user. When the card is inserted into a card reader, the digital image is read, and transferred to a screen which displays the image of the user so that the identity of the user can be verified by the cashier before the transaction is authorised. The ROM 12 may contain other information relating to the user which is also displayed on the screen when the card is swiped. A second ROM 14 holds variable information. The card may also include a magnetic stripe 16.

Description

Card Securitv This invention relates to credit cards and the like, and more particularly to a security arrangement for plastic cards, such as credit cards and the like, which is intended to prevent fraud and other misuse of such cards from occurring.

The use of credit cards and other types of payment cards is becoming more and more widespread in the U.K. and worldwide. Unfortunately, with this increased an increased level of fraud has also occurred, with frequent use of stolen and counterfeit cards resulting in losses of 100 - 165 million every year.

In some European countries, such as France, some credit cards and payment cards include a photograph of the authorised user of the card on one surface, usually the front, of the card. Thus, when the card is presented for payment, the cashier can compare the user shown in the photograph with the customer in order to verfy that he or she is an authorised user. However, such cards are not secure enough, and it has been found that it is possible to produce counterfeit credit cards and payment cards having fraudulent photographs on the front.

In view of the fact that 4 billion plastic card transactions are forecast in the year 2000, a completely ' instant' and totally secure method of card protection is necessary if increased losses due to fraud are to be avoided.

Thus, in accordance with a first aspect of the present invention, there is provided a card comprising memory means containing a digitally encoded image of an authorised user of the card.

In accordance with a second aspect of the present invention, there is provided apparatus for reading a card comprising memory means containing a digitally encoded image of an authorised user of the card, the apparatus comprising a digital reader unit for reading the digitally encoded image from the memory, and a display means for displaying the image of the authorised user.

Thus, when a card, for example a credit card, according to the first aspect of the present invention is presented for payment, the cashier inserts the card into the apparatus according to the second aspect of the present invention. The digital reader unit reads the digitally encoded image information. The information is then decoded and the image of an authorised user of the credit card is displayed on the screen. Fraudulent use is thus prevented.

The memory means may also include other information relating to the authorised user, for example, birth date, address, mother's maiden name, etc. for additional security checks.

The memory means preferably comprises a 2 Mb flash ROM which is mounted on a film before being embodied within the card. The card of the present invention preferably comprises a second memory means, for example a 1 Mb flash ROM, for storing variable data, such as transactions, account balances, credit limits, etc. The card may also include a magnetic stripe in order to ensure compatibility with reader systems not equipped with means for reading ROMs. A user's identify photograph is transferred onto the 2 Mb flash ROM (already mounted on the card). Therefore, the image is totally secure and non-visible.

The digitally encoded image stored in the memory means preferably includes a digital watermark for added security.

Also according to the present invention there is provided with a method of manufacturing a card, comprising the steps of producing a digitally encoded image of an authbrised user of the card, storing said digitally encoded image in memory means, and mounting said memory means on a card.

The memory is preferably a 2 Mb flash ROM which is mounted on a film before being mounted on the card. The method of manufacture may include further steps of storing variable data in second memory means, for example a lMb flash ROM, and mounting the second memory means on the card.

The card may be a credit card, any other type of payment card, an identification card, a railway season ticket or photocard, a passport, etc.

An embodiment of the present invention will now be described by way of example only and with reference to the accompanying drawings, in which: Figure 1 is a perspective rear view of a credit card according to an embodiment of the present invention; and Figure 2 is a schematic flow diagram showing the steps involved in manufacturing a card according to one embodiment of the present invention A credit card according to one embodiment of the present invention is shown in Figure 1 of the drawings. The rear surface of the card 10 is provided with a first, non-erasable flash Read Only Memory (ROM) 12 and a second flash ROM 14. The first ROM 12 consists of a 2 Mb non-erasable microchip which has been mounted on a film, before being embodied within the credit card. The second ROM 14 consists of a 1Mb microchip.

The first ROM 12 contains a compressed digitally encoded image of the authorised user of the card. The ROM may also hold other information about the authorised user, for example, name, date-of-birth, mother's maiden name (for security purposes) etc. so as to further ensure total security of the card, and prevent fraud. None of the information contained on the first flash ROM 12 can be changed or erased.

The second flash ROM 14 holds variable data such as, for example, transactions, account balance, credit limit, and similar. The card may also include a conventional magnetic strip 16 for compatibility with existing card reading systems.

In use, when the card is presented for payment, it is inserted into a card reader (not shown). The reader reads the digital information held in the first ROM 12, decompresses and decodes it, and then displays the image of the authorised user on an LCD screen together with any other information about the authorised user which is held on the ROM. The cashier can verify that the user is. in fact the authorised user by comparing the user with the image displayed on the screen. If there is any doubt, the cashier may ask the user for further verification of the user's identity, for example, his mother's maiden name.

Referring to the flow diagram shown in Figure 2 of the drawings, a convenient method of manufacture of the credit card shown in Figure 1 will now be described. Firstly, at step 100, a photograph of the authorised user is taken using a QV-based imaging system. The image of the authorised user is composed on a QV type screen, and other personal details such as birth date, name, address, account, card number, expiration date, etc. can be entered. To make duplication even more difficult, the backdrop of the photo booth in which the photograph is taken may include details of the issuing branch of the card, the sort code, the address, or other unique information relating to the issuing body of the card.

At step 102, the image is compressed to a cam file, having a compression ration of 10:1, and a digital watermark is added which prevents duplication or forging of the image.

Personal details can be added at this stage, as shown in step 104, via an on-line communications link, a local PC or direct connect keyboard into the QV card system.

In other words, data relating to personal details of the authorised user can be transferred to the cam file via a keyboard connected directly to the QV card system. Alternatively, the data can be entered on a personal computer and then transferred to the QV card system. If an account already exists for any particular authorised user, the data can be transferred from the main computer to the QV card system via a network or modem.

Text details are added to the cam file at step 106, the details being encrypted using a unique seed code. The encryption seed code may be based upon the authorised user's Personal Identity Number (PIN) or other personal number, such as date-of-birth.

At step 108, all of the information held in the cam file is loaded onto a non-erasable 2 Mb ROM which has been film mounted and embodied within a plastic strip. Thus, once the information has been loaded from the cam file onto the ROM, it cannot be changed or rewritten. A second flash ROM (1 Mb), containing variable data such as transactions, account balance, credit limit, and so on, is also mounted on the card.

Finally, at step 110, text is written to the front surface of the card, giving the card number, name of the authorised user, and other relevant information, as on a conventional credit card. The card surface is usually laminated and hologram protected.

It may also be necessary to include a conventional magnetic stripe on some cards in order to ensure compatibility of the cards with reader systems not equipped with a QV card reader.

Cards according to the present invention are not limited to credit cards or payment cards. In fact, there are a number of different types of cards in which such security arrangements are desirable, for example, railway season tickets, identification cards, passports, and so on.

Furthermore, in the light of this disclosure, modifications of the described embodiment, as well as other embodiments, all within the scope of the present invention as defined by the appended claims, will now be apparent to persons skilled in the art.

Claims (23)

CLAIMS:
1. A card comprising memory means containing a digitally encoded image of an authorised user of the card.
2. A card according to claim 1, wherein the memory means further contains personal data relating to the authorised user of the card.
3. A card according to any preceding claim, wherein the memory comprises a flash ROM.
4. A card according to claim 3, wherein the memory comprises a 2 Mb flash ROM.
5. A card according to any preceding claim, wherein the card further comprises a second memory means containing variable data.
6. A card according to claim 5, wherein the second memory means comprises a flash ROM.
7. A card according to claim 6, wherein the second memory means comprises a 1 Mb flash ROM.
8. A card according to any preceding claim, wherein the or each memory means is mounted on the rear surface of the card.
9. A card according to any preceding claim, comprising a magnetic strip.
10. A card according to any preceding claim, wherein the digitally encoded image of the authorised user includes a digital watermark.
11. - A card according to any preceding claim, wherein the card is a payment card.
12. A card according to any of claims 1 to 10, wherein the card is a credit card.
13. A card according to any of claims 1 to 10, wherein the card is an identification card or passport.
14. A card according to any of claims 1 to 10, wherein the card is a railway season ticket.
15. A card substantially as herein described with reference to the accompanying drawings.
16. A method of manufacturing a card, comprising the steps of producing a digitally encoded image of an authorised user of the card, storing the digitally encoded image in memory means, and mounting said memory means on a card.
17. A method according to claim 16, wherein the digitally encoded image is compressed to a cam file prior to storage thereof in the memory means.
18. A method according to claim 17, wherein the compression ration is 10:1.
19. A method according to any of claims 16 to 18, wherein a digital watermark is added to the digitally encoded image prior to storage thereof in the memory means.
20. A method according to any of claims 16 to 19, further comprising the step of storing personal details relating to an authorised user of the card in the memory means.
21. A method according to any of claims 16 to 20, further comprising the step of storing variable data in a second memory means and mounting the second memory means on the card.
22. A method of manufacturing a card substantially as herein described with reference to the accompanying drawings.
23. Apparatus for reading a card comprising memory means containing a digitally encoded image of an authorised user of the card, the apparatus comprising a digital reader for reading the digitally encoded image from the memory means, and display means for displaying the image of the authorised user.
GB9618647A 1996-09-06 1996-09-06 Memory card with digitally encoded image of user Withdrawn GB2316908A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB9618647A GB2316908A (en) 1996-09-06 1996-09-06 Memory card with digitally encoded image of user

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB9618647A GB2316908A (en) 1996-09-06 1996-09-06 Memory card with digitally encoded image of user

Publications (2)

Publication Number Publication Date
GB9618647D0 GB9618647D0 (en) 1996-10-16
GB2316908A true GB2316908A (en) 1998-03-11

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Family Applications (1)

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GB9618647A Withdrawn GB2316908A (en) 1996-09-06 1996-09-06 Memory card with digitally encoded image of user

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Cited By (10)

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Publication number Priority date Publication date Assignee Title
EP0957454A2 (en) * 1998-05-11 1999-11-17 SYSTEMS Produktions AG Method and device for checking tickets
EP0969428A2 (en) * 1998-07-01 2000-01-05 Canon Kabushiki Kaisha Identification card reading apparatus and method
WO2003034334A1 (en) * 2001-10-19 2003-04-24 Allan Walter Sills Security system
WO2006091709A2 (en) * 2005-02-22 2006-08-31 Tyfone, Inc. Electronic transaction card
WO2010122497A1 (en) * 2009-04-20 2010-10-28 Capicol (Pty) Limited A payment transaction processing and authorization system and method
US7961101B2 (en) 2008-08-08 2011-06-14 Tyfone, Inc. Small RFID card with integrated inductive element
US7991158B2 (en) 2006-12-13 2011-08-02 Tyfone, Inc. Secure messaging
US8231061B2 (en) 2009-02-24 2012-07-31 Tyfone, Inc Contactless device with miniaturized antenna
US8451122B2 (en) 2008-08-08 2013-05-28 Tyfone, Inc. Smartcard performance enhancement circuits and systems
US9741027B2 (en) 2007-12-14 2017-08-22 Tyfone, Inc. Memory card based contactless devices

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GB2173970A (en) * 1985-03-25 1986-10-22 Matsushita Electric Works Ltd Individuality discriminating system
FR2606188A1 (en) * 1986-11-03 1988-05-06 Cornille Jean Louis Clipcard with photo of the holder incorporated in memory
NL9200876A (en) * 1992-05-18 1993-12-16 Facies B V Identification with smart card.
US5321751A (en) * 1993-02-18 1994-06-14 Eastman Kodak Company Method and apparatus for credit card verification
US5386103A (en) * 1993-07-06 1995-01-31 Neurnetics Ltd. Identification and verification system
EP0638880A1 (en) * 1993-08-10 1995-02-15 Audio DigitalImaging, Inc. A method of verifying fake-proof video identification data
US5432864A (en) * 1992-10-05 1995-07-11 Daozheng Lu Identification card verification system

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB2173970A (en) * 1985-03-25 1986-10-22 Matsushita Electric Works Ltd Individuality discriminating system
FR2606188A1 (en) * 1986-11-03 1988-05-06 Cornille Jean Louis Clipcard with photo of the holder incorporated in memory
NL9200876A (en) * 1992-05-18 1993-12-16 Facies B V Identification with smart card.
US5432864A (en) * 1992-10-05 1995-07-11 Daozheng Lu Identification card verification system
US5321751A (en) * 1993-02-18 1994-06-14 Eastman Kodak Company Method and apparatus for credit card verification
US5386103A (en) * 1993-07-06 1995-01-31 Neurnetics Ltd. Identification and verification system
EP0638880A1 (en) * 1993-08-10 1995-02-15 Audio DigitalImaging, Inc. A method of verifying fake-proof video identification data

Cited By (45)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0957454A3 (en) * 1998-05-11 2001-10-17 SYSTEMS Produktions AG Method and device for checking tickets
EP0957454A2 (en) * 1998-05-11 1999-11-17 SYSTEMS Produktions AG Method and device for checking tickets
EP0969428A2 (en) * 1998-07-01 2000-01-05 Canon Kabushiki Kaisha Identification card reading apparatus and method
EP0969428A3 (en) * 1998-07-01 2002-05-02 Canon Kabushiki Kaisha Identification card reading apparatus and method
US6474551B2 (en) 1998-07-01 2002-11-05 Canon Kabushiki Kaisha Identification card reading apparatus and method
WO2003034334A1 (en) * 2001-10-19 2003-04-24 Allan Walter Sills Security system
US8573494B2 (en) 2005-02-22 2013-11-05 Tyfone, Inc. Apparatus for secure financial transactions
WO2006091709A3 (en) * 2005-02-22 2006-12-21 Tyfone Inc Electronic transaction card
US7581678B2 (en) 2005-02-22 2009-09-01 Tyfone, Inc. Electronic transaction card
US10185909B2 (en) 2005-02-22 2019-01-22 Tyfone, Inc. Wearable device with current carrying conductor to produce time-varying magnetic field
US7828214B2 (en) 2005-02-22 2010-11-09 Tyfone, Inc. Mobile phone with electronic transaction card
US7954716B2 (en) 2005-02-22 2011-06-07 Tyfone, Inc. Electronic transaction card powered by mobile device
US7954715B2 (en) 2005-02-22 2011-06-07 Tyfone, Inc. Mobile device with transaction card in add-on slot
US7954717B2 (en) 2005-02-22 2011-06-07 Tyfone, Inc. Provisioning electronic transaction card in mobile device
US9715649B2 (en) 2005-02-22 2017-07-25 Tyfone, Inc. Device with current carrying conductor to produce time-varying magnetic field
US9626611B2 (en) 2005-02-22 2017-04-18 Tyfone, Inc. Provisioning mobile device with time-varying magnetic field
US9251453B1 (en) 2005-02-22 2016-02-02 Tyfone, Inc. Wearable device with time-varying magnetic field and single transaction account numbers
US8083145B2 (en) 2005-02-22 2011-12-27 Tyfone, Inc. Provisioning an add-on apparatus with smartcard circuity for enabling transactions
US8091786B2 (en) 2005-02-22 2012-01-10 Tyfone, Inc. Add-on card with smartcard circuitry powered by a mobile device
US8136732B2 (en) 2005-02-22 2012-03-20 Tyfone, Inc. Electronic transaction card with contactless interface
US9202156B2 (en) 2005-02-22 2015-12-01 Tyfone, Inc. Mobile device with time-varying magnetic field
US9092708B1 (en) 2005-02-22 2015-07-28 Tyfone, Inc. Wearable device with time-varying magnetic field
WO2006091709A2 (en) * 2005-02-22 2006-08-31 Tyfone, Inc. Electronic transaction card
US9004361B2 (en) 2005-02-22 2015-04-14 Tyfone, Inc. Wearable device transaction system
US8474718B2 (en) 2005-02-22 2013-07-02 Tyfone, Inc. Method for provisioning an apparatus connected contactless to a mobile device
US8408463B2 (en) 2005-02-22 2013-04-02 Tyfone, Inc. Mobile device add-on apparatus for financial transactions
US9208423B1 (en) 2005-02-22 2015-12-08 Tyfone, Inc. Mobile device with time-varying magnetic field and single transaction account numbers
US7991158B2 (en) 2006-12-13 2011-08-02 Tyfone, Inc. Secure messaging
US9741027B2 (en) 2007-12-14 2017-08-22 Tyfone, Inc. Memory card based contactless devices
US8072331B2 (en) 2008-08-08 2011-12-06 Tyfone, Inc. Mobile payment device
US8410936B2 (en) 2008-08-08 2013-04-02 Tyfone, Inc. Contactless card that receives power from host device
US9117152B2 (en) 2008-08-08 2015-08-25 Tyfone, Inc. 13.56 MHz enhancement circuit for smartmx smartcard controller
US9122965B2 (en) 2008-08-08 2015-09-01 Tyfone, Inc. 13.56 MHz enhancement circuit for smartcard controller
US9904887B2 (en) 2008-08-08 2018-02-27 Tyfone, Inc. Computing device with NFC and active load modulation
US10318855B2 (en) 2008-08-08 2019-06-11 Tyfone, Inc. Computing device with NFC and active load modulation for mass transit ticketing
US8451122B2 (en) 2008-08-08 2013-05-28 Tyfone, Inc. Smartcard performance enhancement circuits and systems
US9390359B2 (en) 2008-08-08 2016-07-12 Tyfone, Inc. Mobile device with a contactless smartcard device and active load modulation
US9483722B2 (en) 2008-08-08 2016-11-01 Tyfone, Inc. Amplifier and transmission solution for 13.56MHz radio coupled to smartcard controller
US9489608B2 (en) 2008-08-08 2016-11-08 Tyfone, Inc. Amplifier and transmission solution for 13.56MHz radio coupled to smartmx smartcard controller
US8937549B2 (en) 2008-08-08 2015-01-20 Tyfone, Inc. Enhanced integrated circuit with smartcard controller
US7961101B2 (en) 2008-08-08 2011-06-14 Tyfone, Inc. Small RFID card with integrated inductive element
US8866614B2 (en) 2008-08-08 2014-10-21 Tyfone, Inc. Active circuit for RFID
US8814053B2 (en) 2008-08-08 2014-08-26 Tyfone, Inc. Mobile payment device with small inductive device powered by a host device
US8231061B2 (en) 2009-02-24 2012-07-31 Tyfone, Inc Contactless device with miniaturized antenna
WO2010122497A1 (en) * 2009-04-20 2010-10-28 Capicol (Pty) Limited A payment transaction processing and authorization system and method

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