GB2372961A

GB2372961A - Card security system

Info

Publication number: GB2372961A
Application number: GB0200040A
Authority: GB
Inventors: Richard Gerald Enston
Original assignee: Individual
Current assignee: Individual
Priority date: 2001-01-06
Filing date: 2002-01-03
Publication date: 2002-09-11
Anticipated expiration: 2022-01-03
Also published as: GB0200040D0; GB0100371D0; GB2370809A; GB2370809B; GB2372961B

Abstract

A security system for validating a card user includes a card 1 with an encoded data storage medium, such as a magnetic strip, and means for validating the card user. The validating means may include comparing the user's written questionnaire responses to stored information, a signature scanner 17, and/or a photograph of the user. The user's signature and questionnaire responses may be recorded on a paper receipt roll 26, which may include masked portions on an upper layer which conceal information on a lower layer. The data storage medium may include hybrid magnetic, laser, infrared, optoelectronic and/or holographic encoding. The card may include an insertable disc (8, fig 2) carrying fingerprint information.

Description

237296 1

AUTOMATED TELLER MACHINE CARD SECURITY SYSTEM

TECHNICAL FIELD

This card system development concerns a protected automated teller machine card system for installation 5 as an application for use as a clearing bank credit / debit card security issue; particular aspects of which are based on increased security composite to and during financial transactions.

BACKGROUND ART:

10 There is negligible background art in the precision

articulated by this particular system; however, with a retrospective technical view; Much advanced technology is employed in the design and manufacture of automated teller machine cards, and the fast efficient assembly 15 thereof, with the preferred elimination of quality control mistakes, in a clear attempt to procure and ensure high security standards for cardholders and their respective functional transactions - financial. Criminal fraud generated by ATM - (automated teller machine) - card misuse represent 20 considerable financial loss and hazard; leading to, if not im mediately apparent, successive criminal fraud. Prior art

development and designs deliberate on precautionary measures for ample security related to systems on the main, rely solely through the incorporation of silicon 25 integrated circuit chips operating in unit construction singularity susceptible and often vulnerable to cloning and reprogramming. The technical opportunity to perform this criminal act is basically indefensible as when the criminal fraternity acquisition a stolen card.

JO Initially, the prior art of the past does not have

an automated alert system for cashier during financial transaction; wherein red light indicator comes on in this system. Further, there is no prior art form

automation of this feature, composite also as a complete 35 system development.

This development for a m';-function ATM-Card data trans action receipt system optimizes its versatility to sustain a complete financial transaction principly with or without an automated teller machine. The fine art form here-in 40 disclosed is the articulate unique method with which the receipt of data is written / impressed down, in full legal fashion and with w hich it is accepted beyond the point of any sustainable legal ranker initiated by a customer.

The unique cross feeding of feedback results and cross 45 comparison of coded information and incorporation of optical electronic chips and marked infra-red encoding is part of this development. The design of the dual filament receipt to be purposely torn by cashier in precise manner is the subject of this development.

50 SUMMARY OF THE DISCLOSURE

The objectives of the present development is the clear legibility in legalistic fashion to put together a secure credit card transaction; where-in principly once the potential customer has yielded a legible answer to a 55 brought up validation character question, the impressed written legible answer, whether correct or incorrect

can not be erg Ned, retracted, potentially in front of police or retail executive. On the main, the validation questions will verify for example, date of birth, post code, age, colour, 60 nationality, etc; and personal identification number.

For fast processing of transactions, the actual colour video picture of bona fide card holder will automatically come up on screen; setting aside a percentage of transactions literally with a view to fast clearing, at the cashiers' 65 legal discretion.

Further objectives of the development are thus set to provide a highly efficient technique in the production technology aspect of the ATM-Card, where-in part component of the laser fabrication thereof is difficult to alter; in 70 hibiting any further reprogramming post origin, of its laser plastic and silicon component structure / fabrication: the entire development of which enables the ATM-Card to be versatile in a multifunction parameter, predominantly secure in practical use. ( Procuring an assurity of receipting a 75 bona fide correct non fraudulent financial transaction) According to the present development, there is provided a complete mono-formed pressed and extruded product; from an ideal material such as.;;con reinforced nylon, or if transperancy is required - perspex ( clear cast acrylic) 80 combination for example; appertaining a centre hole bearing a concave inner groove in reciprical fabrication accepting the insertion of a centre disc bearing the bona fide recipient cardholder colour photograph ( Facial image) ffi xed clip pressed and plastic weld stiched.

85 For automated teller machine use, the card structure contains silicon integrated circuit chips with origin trip mechanism and optical electronic chip with the bona fide cardholders calour facial photograph encoded there-on.

In the hybrid development, the laser lineation encoded 90 swipe line will proffer a final re-copy of personal image in a versatile development of crosschecking for fraud.

Subject to plastic extrusion production technology, it should be made clear that enhanced plastic injection manufacturing will procure moulding and extrusion 95 techniques thereby providing a predominantly seamless mono-formed ( unitpart) construction.

As a consumer / customer practical supply point of view, there is often a delay in the procuration of the bona fide card holders photograph, but with this design 100 the later supplied picture disc can be press inserted into position as it has a one way click fabrication technique, and thus cannot be removed without shattering the structure.

On the multi-function parameter, the said colour image 105 can be electronically program med as afore mentioned, on integrated circuit chip then secondly onto opto-electronic chip and thirdly electronically encoded onto laser lineation hybrid swipe strip as stated. AN three images are thus availble for cross comparison and can be compared against 110 each other by cashier for a fast initial assessment as to the validation character of bona fide card holder.

Executive, at this critical point of financ; 1 transaction verification, an electronic signature comparison is taken against actual customer signature, on back of receipt 115 through the pressure of pen, where-in the card holders - signature is ascertained for a ( example only a bias set at 98%)- validation characteristic at cashier counter.

The ratio of positive or negative counter productive comparison is cross fed against assimilated information 120 and combined to produce warning red kg ht sig nal on receipt teller; ( Red light flashes indicating alert) , procuring a point blank refusal of transaction by cashier, and at discretion the opportunity to ask for written answers to information feedback questions.

125 Thus to this executive point in design, the art form development, particularly that which can be construed by the primary card retains a degree of functionability before the rest of this electronic mad system is called upon for proof of final validation 130 character of bonafide card holder. ( Versatile parameter).

Importantly, an INFRARED HOLOGRAM invisible to naked eye for example an infrared marked signature of card holders written bona fide signature is opto-electronically compared.

Further, some of the card serial number is marked in 135 INFRARED code / structured with its' issue date; thereby producing a varied time scale trip code / procuring origin trip closedown of chips on cards and automated strikedow n on information release from financial institution data base

140 It m ust be stressed that the art form in this technical development is principly pushed forward on electronic mail, the use thereof, and extent to which it can be guarded against, and its delivery system in a secure fashion.

145On the simple card structure, the fabrication build thus can be margin liced ( Literally made simple) where-in the manufacturing process allows for a degeneration in the structured quality and financial effort assimilated as a cost factor; primarilly when for example the 150 structure of card is plain composite but utilizes electronic data - ( mail) specifically encoded to simply gain validation characteristics of bona fide card holder.

The electronic data fully encoded validation characteristics and the specific way with which the answers are taken 155 and deliberately sketched represent the fraud proof art form to a vast extent in this development.

Thus in conglomeration there are provided a multiplicity of counter check feedback lines to substantiate transaction in a clearly legal legible unalterable fashion.

160 There is a definite, non technical requirement to subtlety, when dealing financial transactions with the general public; as the human aspect requires an easy flow of human activity to accord with these financial transactions.

Thus the design of the paperwork is unique in this 165 development to accord with the subtlety requisite; but clearly the procuration of the paperwork within the time frame of the transaction succinct in portfolio apparition.

BRIEF DESCRIPTION OF THE INFORMAL DRAWINGS:

A total embodiment of this substantiative automatic 170 card system is here-in described with purely illustrative measurements and components for example purposes only; with reference to the accompanying drawing sheets in w hich: FIGURE 1/7; Illustrates a cross sectional view of a complete card traversing in its manual hand swipe 175 through a laser / magnetic teller machine reader / decoder figuratively numerated in accordance with the development.

FIGURE V7; Illustrates a side angled elevated view of card with centre disc elevated above vacated centre hole and appendage fabrications including opto-electronic chip, 180 hybrid magnetic and laser Jineation lines; figuratively numerated in accordance with the development.

FIGURE 3/7; illustrates a side angled elevated view of optical picture disc (or tertiary fingerprint) and horizontal cross sectional plan view of aforesaid disc; fig uratively 185 numerated in accordance with development.

FIGURE 4/7; Illustrates a top pan side angled elevation of procuration data /receipt printer in this development and electronic signature scanner between the two rollers; figuratively numerated in accordance with the development.

190 FIGURE 5/7; Illustrates a sketched top plan view of dual function procuration data/questionnaire receipt, bearing top darkened mask left hand filament, initially covering data answers; figuratively numerated in accordance with the development.

195 FIGURE 6/7; Illustrates semi-articulated now diagram of ATM card, in arrow direction being swiped through lineation scanner; procuring data control from database, in arrow direction procuring operation of receipt printer; figuratively numerated in accordance with the development.

200 FIGURE 7/7; Illustrates side angled elevation of cash register development enveloping an all in one colour video monitor, assembling a complete initial function of ATM Card security system linking straight through to auto tedler receipt/ questionnaire printer (bearing signature scanner); 205 figuratively numerated in accordance with the development.

DETAILED DESCRIPTION OF THE TOTAL EMBODIMENT:

Referring to the drawings illustrated with text: 1, depicts an exterior card carcass fabricated with plastic and requisite Silicon virgin patterning ready for further 210 encoding. The potential there-in for initially electronic programming of silicon integrated circuit chip, further program ming of ( Optical) Opto-electronic chip, further programming of conventional magnetic strip, further cross programming of hybrid cross-combined magnetic and laser 215 Jineation strip, and further encoding of unique infra-red hologram initiating validation character onto card. This validation characteristic will usually be bona fide card holders SIGNATURE; laid out in analogue lattice fashion.

In operation therefore, an array of cross combined feed 220 back resmelts= are available to be generated in the cause of the validation character of card and recipient card holder. (Tertiary development I.R. HOLOGRAM fingerprint).

Figure 2, depicts example vacated cavity ( cavities) for implants of chips and holographic encoded pictures with 225 with unique press crimping affixation to suit each individual customers requisite requirements.

Figure 3, depicts laser encoded hand swipe card encoded information line; hybrid in this particular art form, cross combined integral with magnetic strip.

230 In operation therefore, programming H;fficult to tamper with representing a dual configuration characteristics, representing capability to auto-feed trip in electronic programming in any other part of system.

Once all the above is co-ordinated and cross fed against 235 electronic data re-supplied from auto teller data base ( through E-Mail security encoded telephone network), the entire system is predominantly fraud proof.

The electronic code attenuation in operation therefore disrupts producing description of fraud upon the over

240 charge by one or more number, negative or positive; standard coding or non standard.

Figure 4, depicts conventional magnetic strip encoding of card, sufficient enough in its conventional capacity to pull up request from auto teller database 245 to initially set dow n one of seven preferred questions the more common of which for example is - post code ?; leading on to the point of fail wrapped request to write the answer down on to auto teller receipt. The receipt is thus torn apart by cashier revealing correct answer 250 origin from database electronically printed on underside.

Logically, if the top hand written answer is wrong, transaction is refused in view of fraud.

In operation therefore; the auto teller database is distanced from shop or bank where-in the shop or bank 255 are relieved of a security encoded location number; per financial transaction. Retrospectively, this location coding is never available on card. The logistics of the entire system thus fabricate for operation.

Fig are 5, depicts conventional logo markings of relevant 260 financial institution / infra red fingerprint lattice encoded pattern.

The lattice pattern can only be read / decoded by infra red scan, therefore remaining invisible to naked eye.

Figure 6, depicts optical laser light source beams and 265 infrared optical pick-up intersecting / retrieving laser encoded hybrid memory lineation on card and infrared attenuation of infrared encoding.

Figure 7, depicts hybrid magnetic and laser lineation strip decoder / reader, part of transaction teller equipment.

270 In operation therefore, as the unit card ( 1) is manually held within ones' index finger and thumb, it is swiped latterally through (7) magnetic / Laser strip decoder / reader. The equipment auto teller thus signals call up by way of encoded (security) electronic mail from 275 financial institions' data storage base for validation character. This validation character may take the form of a question to hand scroll an answer, and or confirmation of validation character.

As the card is fabricated with (4) magnetic lineation 280 strip, it serves for conventional usage for the reason set forth; due to financial cost and retail infrastructure inertia by many business owners: primary of m llti function capability within conglomerate frame of artwork.

As opposed to primary, the tertiary multi-function use 285 capability within the entire framework of development, is conventional hand teller pressing of the card, methodically carbon crimpingproud plastic surface lettering on card.

Still, in this development, the ciLd conventional method becomes req l;; te to security scrutiny, where-in the cashier 290 has to call upmain financial institution data base on-line.

In operation therefore and thus within a period of a few seconds, a validation character question is purposed to prospective ( supposedly Bona Fide Card Holder) customer, for cashier to witness answer hand scrolled, 295 answer written down on to dual filament carbon copy receipt invoice; where at cashier compares question with appropriate answers; and henceforth transaction is granted or refused.

The second function, or that which can be described as 300 a usable application per convention with-in the entire framework of this development is standard bank cash machine auto teller usage; where-in the card is entered conventionally, a personal identification number is selected par operation granted. But, in this development 305 the design of the resurgent software is different, where-in

in unique art form development, a requisite quantity of financial institution data-base questions are randomly selected for customer to reenter Nonfigurative answer on to automated teller machine keypad. The art form 310 neccessitates the observation that A NY of the answers are not available on credit card itself. Further the data base storing the answers will always be more than several yards distant. Further, the art form in the development procures a twin type security encoding, 315 initially a primary code illustrating definite geographical location of automated teller machine apparatus - important.

Primarilly, the geographical position MUST be security encryption sypher code, non standard.

Secondly, the data supply is security coded.

320 This system then should yield one hundred per cent (100%) bona fide card holder validation character efficiency.

( At a point of intellectual interest, more efficient than a finger print) .

Figure 2/7::Olustrates a side angled elevated view 325 of ( 1) unit card carcass with ( 8) centre disc rising above vacated disc emplacement; (2) cavity hole in perspective position to accomodate (1) and (8) arrow pressed together - combining.

Figure (5) indicates infra-red lattice programming, in 330 this development predominantly encoding bona-fide card holders signature pattern. In operation therefore the written receipted signature pattern of prospective

purchaser is electronically evaluated against the (5) infrared encoded signature.

335 Figures (14 and 15) illustrate combination of electronic and optoelectronic micro-chips which in this development procure in operation for auto trip / post origin mechanism.

Figure 3/7::Olustrates a side angled elevated view of (8) Optical picture disc with light (10) passing - (arrow) 340 passing there through illustrating genuine bona fide colour picture of true card holder. The appendage lugs (9) firm to crimp disc into unit part card carcass.

In operation therefore, the cclour picture of genuine bona fide cardholder is stored there in, and thus set for 345 comparison by cashier of transaction and can be superimposed onto colour monitor screen of checkout register.- ( Versatile peer at cadre af r on3, Fig ure 4/7: Illustrates a top plan side angled elevation of (19) validity procuration data / questionnaire receipt printer in 350 this development, and (17) electronic signature scanner built in between the two (18) conveyor rulers; mounted in (28) chassis.

Mains power is supplied by plug (11); where-in plug (12) locks into chassis (28) connecting (27) transmission data lines for increment operation of (19) machine mechanism.

355 24 indicates point of serration both point depicted on ( 19) spread surface and on twin point of ( 26) receipt itself.

This (19) mechanism can stand by itself or be b''i1t into the hull chassis of (33) combination till. A red alert neon light (36) is fitted to chassis adjacent signature scanner.

Construction / Materials: Uniform production technology.

360 In operation therefore, this (19) hybrid printer scanner is set adjacent cashier for usage and operation during financial card generated transactions. As part of the system operation the cashier is instructed to present dual filament receipt (26) prepared by machine for 365 customer to initially sign on receipt ( 26) placed on (17) electronic signature scanner for computer comparison in (33) till to evaluate, at an example preferential bias of ninety per cent accuracy as set against bona fide signature both with held on (1) card, 370 and again held at main (30) financial institution data base. The mechanism ( 19) hybrid printer / scanner is elec trically charged and rolled on computer data logic circuitry through (27) data transmission line and (11 & 12) electrical control / source and interconnection plugs, 375 standard computer interconnection cable (27). Should the preset bias ratio NOT be achieved at (30) database and (33) till computer: - on the scan of the customers hand written signature, the red (36) alert light wi]1 [lash as of logic contra. In which event two computer 380 driven logic functions at (30) database and (33) till: a series of electronic mail questions will be printed by (19) mechanism for customer to complete on right hand column of receipt / questionnaire (26). Should all questions be answered correctly, at the cashiers disc 385 ration, the financial transaction will be allowed to pass.

Figure 5/7; illustrates a top plan view of dual function ( varible parameter) - (26) procuration data / questionnaire receipt - ( in specific development art form) bearing (24) serration edge profiling; set in aspect with 390 (16) division mark. The (30) database question and answers are drafted down the underlying left hand column with example annotation ( 20/1 and 21/1). The right hand (26/2) spread sheet column is made vacant for customer to write answers to; the questions and vacant space procurated for 395 visual example ( 20/2 - 21/2 - 22/2 - 23/2) in logic format.

Written answer vacany is denoted (29). A black (13) mask sheet is held over (26 / 1) left hand column in prevention of potential customer witnessing machine encoded answers, whilst customer is obliged to complete computer generated 400 questionnaire. Figure (25) indicates proximation of rollers.

In operation therefore, this development art form of paper (26) has been specially adapted to accept through put of pressure of pen on to (17) signature scanner, and in every potential transaction retrieves a legible comparison 405 both for cashier and in legal context where-in the counter foil proof can NOT be retracted by customer. Once the questions and answers have been purposed, and the written acknowledgement given, the carbon filament paper is torn by cashier at serration edges (24). The cashier evaluates 410 a legible comparison on the underscore sheet ( 26/2) for verdict. Thus the operation is complete.

Figure 6/7; Illustrates semi-articulated flow diagram of ATM Card (1), in arrow direction being swiped through (7) lineation scanner: with pulse (6) picking up information 415 encoding on card; automatically procuring deliberation of geographical location, through exacting sypher code of (7) hand swipe / ATM terminal immediately through to (30) main security (30) financial institution database. Data transmission (27) then accords with (30) data logic feed; 420 procuring portfolio stance and determination requirements at ( 19) receipt teller.

In operation therefore, cashier follows obligation of requesting written information from prospective customer and in the event of a projected large financial trans 425 action, procures twin cross co-ordination from all system; a cross combined effort of equipment listed in both Figure 6/7 and 7/7; cashierdeliberating amount of data to evaluate. In operation allquestion and answers would have to equal for transactionto proceed. In essence, (30) 430 database is brought into furfunction for performance parameter. Fig ure 7/7; Illustrates side angled elevation of art form (33) development cash register, incorporating integral calour (31) monitor and on board computer, with full stage (34) key 435 board and pad linked to main (30) database by (27) data transmission line and also straight through to (19) printer; integral or non integral to chassis hull of (33) register.

The construction is composite acrylic plastic, fabricated

with metric machine thread chromium steel screws - standard 440 production technology. Wiring and circuitry - uniform standard.

In this development, (36) red alert light may be brought up on (31) colour monitor screen along with computer software directions generated on screen reminding cashier of procedure on card security system. An illuminated (32) cash 445 amount register/screen faces forward to customers. Production technolog y standard ( DOS) digital operating system soft ware.

Electronic key, key digital - Cash draw is denoted (35).

In operation therefore, the refinement of the total system can be brought to hand by cashier with every 450 operational facility at the touch of the (34) keypad, ( the cashier being skilled at standard keyboard level) excepting the serration of (26) receipt, and this can be automatically serrated at (24), except it it neccessary for cashier to check receipt appendage (24) carefully in 455 view of security.

In conclusion, operation therefore is subject to two

primary facets; (31) - bona fication initial colour imagery of customer; secondly, bias characteristics attenuated by customers written signature; and then the involvement of 460 the rest of the system as per requirement on evaluation.

The procurement of the trip attenuation throughout the card and system: electronic balances being equal in favour of transactions and being unequal precluding trans actions; yielding further - performance level.

Claims

APPENDIX 'A';- 475 CLAIMS:

1. An automated teller machine card security system comprising an oblong plastic injected / extrusion unit part card, bearing a conventional magnetic strip linear reader line emitting electro-magnetic pulse, 480 in digital operating system logic code; initiating activity of financial institution data base procuring security data tenure on receipt/questionnaire printer/ machine; th us optimising validation character of card in the process of financial transactions.

485

2. An automated teller machine card security system comprising a unitary stratified card bearing hybrid magnetic and laser lineation encoding, infrared, opts electronic /.qilicon chip circuitry, digital operating system software, and data controlled receipt printer, 490 evaluating validation characteristics of card carrier; recipient to the performance of financial transactions; thus optimizing financial security of transactions.

3. A n automated teller machine card security system comprising an oblong plastic injection / extrusion unit 495 part card bearing a hybrid magnetic cross combined laser lineation strip encoding data information in digital system logic code; initiating activity of financial institution data base or computerized cash register procuring security data tenure on receipt/ 500 questionnaire combined signature scanner printer machine: thus optimizing bona fication validation characteristics of card holder.

4. A n automated teller machine card security system cam prising an oblong plastic injected / extrusion unit 505 part card, bearing a conventional mag netic strip linear reader line for coding electro- magnetic information in digital operating system code, further infrared holographics - encoded information on card, triggering computer generated questionnaire from till, 510 procuring the contour photograph of bona fide card haider to appear on video screen, for cashiers reference; thus optimising validation character of card in the processing of financial transactions.

5. An automated teller machine card security system 515 comprising an oblong plastic injected / extrusion unit part card, bearing a photooptical electronic chip; the card fabricating with conventional magnetic strip linear reader line emitting electro-magnetic pulse, in digital operating system logic code; initiating 520 activity of financial institution data base procuring security data tenure on automated teller machine requesting digital input;- to coded logic questions on automated teller machine screen; thus optimizing validation character of card and carrier in the 525 process of financial transactions.

6. A n automated teller machine card security system comprising an oblong plastic injected / extrusion unit part card as described here in with reference to all accompanying drawings as described in specification;

530 facilitating the computerized flow of electronic data transmission of security data base; data logic controlling print-out of receipt / questionnaire paper-roJl; thus optimising validation character of card and carrier in the process of financial transactions.

535

7. A n automated teller machine card security system comprising an automated teller machine card emitting and retrieving data and electronic coded information, in digital operating system logic code; initiating the processing of a financial transaction through the 540 equipment of unitary colour vision monitor conglomerate as part of cash register equipment; and controlling unitary receipt / questionnaire / signature scanner equipment, thus optimising financial security of transactions.

8, An automated teller machine card security system 545 as claimed in any preceding claim comprising a card registering and encoding infrared holographics to further any information which may farillitate and reciprocate data and information; thus optimizing financial security of transactions.

550

9. An automated teller machine card security system as claimed in any preceding claim comprising a card; and swipe data recorder in unitary affixed fabrication to receipt / questionnaire / signature scanner printer; reciprocating out turn of paper roll; thus optimizing 555 financial security of transactions.

2D

10 A n automated teller machine card security system as CIA; med in any preceding claim comprising a card; and automated teller machine fabricating with sig nature scanner, electronically y producing the data logic viability 560 of proposed card transaction on automated teller machine video screen; thus optimizing validation characteristics of human card carrier in potential financial transaction.

11. A n automated teller machine card security system as claimed in any preceding claim comprising a card; 565 and computedsed cash register equipment, purposely sypher coding card carrier validation characteristics, to security coded data base; triggering alert light, fabricated onto hardware equipment or on video monitor, highlighting any abnormallity; thus optimizing validation characteristics 570 of credit card and human carrier doting process of financial transactions.

12. An automated teller machine card security system as claimed in any preceding claim comprising a card; and signature scanner delivering a numerical out put 575 reading on contour video monitor of cash register, in the way of gaining a percentage accuracy as to authen ticity; thus optimizing validation characteristics of financial transactions.

13. An automated teller machine card security system 580 as famed in any preceding claim comprising a card; electronically programmed to reveal geographical location of transaction in progress, to main finanri 1 institution

data base; in an effort th us optimizing financial security of transactions.

585

14. An automated teller machine card security system as claimed in any preceding clErim comprising a card; computerized cash register which emits sypher code geographical location and affiliate pre-programmed retail or financial institution station number, to, 590 sent to main financial institution security data base upon the process and triggering of any attempted financial transaction; thus optimizing validation character of card and carrier in the process of financial transactions.

595

15. A n automated teller machine card security system as claimed in any preceding 1A; m comprising a card; bearing linear laser strip encoding, registering card code information to transmission line data base and computer assisted cash register on passing through 600 teller machine; reciprocating out turn of paper roll, on unitary receipt / questionnaire / signature scanner mechanism; thus optimizing validation character of card in the process of finauri l transactions.

16. A n automated teller machine card security system 605 as claimed in any preceding claim comprising an oblong plastic injected / extrusion unit part card, and of Axed cast acrylic disc with card holder finger print laid there-on for reference; the image being

retrievable by light source for comparison to card 10 carrier in the process of financial transaction at the position of cashiers register; thus optimizing validation character of card and carrier for financial transaction purposes.

17. An automated teller machine card security system 615 as c1; med in any preceding claim comprising an oblong plastic injected / extruded unit part card, and affixed cast acrylic fob, square or other shape, or one mono-formed cast card, bearing card holders accurate fingerprint; retrievable by electronic light 620 source at cash register approximate position, triggering computerized comparison by way of electronic digital data security code to financial institution data base; thus optimizing validation character of card and carrier, in the process of financial transactions.

625

18 A n automated teller machine card security system as claimed in any preceding ala; m comprising a scanner directly phase linked by computer transmission cable to cashier t;11; the scanner bearing independent ( all-in-one-

micro chip circuitry) as a separate unit, the micro pro 630 cessors programmed to evaluate a complete exacting per centage biased assessment function; upon the swipe of a credit card triggering its automated function assessing validity of impressed signature of card carrier, the imprint purposed to be pressed through paper receipt, 635 in development art-form on to unit face, in the event of the receipt being hand served for submission,

compared to authentic signature of bona fide card harder; electronically emitting verdict on transaction by flashing red light integral on unit or drafted on 640 receipt, or transmitted electronically for notice; - thus optimizing validation character of card and carrier - in the process of financial transactions.

19. An automated teller machine card security system as claimed in any preceding claim comprising paper rcill 645 in development art form; fabricated to strenuous standards so as NOT to snap along serrated edges, unless definite pulling pressure is applied by cashier, with the application of stressed material or a residual combination of gloue; in duplicate or triplicate form, 650 the top layer of w hich is deliberately machine masked, to conceal imprintappendage of correct answers; thus optimising efficiencyof receipted transaction of credit card.

20. An automatedteller machine card security system 655 as claimed in anypreceding claim comprising metallicised infrared holographic and infrared digital encoding of automated teller machine card; thus optimising validation character of card in the process of financial transactions.

21. A n automated teller machine card security system as chimed in any preceding claim substantially as described here in with reference to all relevant fig ures of the accompanying drawings as described in specification.