SA115370156B1 - System and method for issuing and authenticating guaranteed bank checks - Google Patents

Abstract

The present invention relates to a system for issuing secured documents such as bank notices, bank checks, bank cards, passports, or the like, where the said system extracts and processes a secured bank check. In one embodiment of the invention, a device extracts a bank check containing a barcode by encoding the details in the matrix barcode, scanning the fingerprint of the person bearing the document, and storing said information with the fingerprint attached to the check in a database and in a magnetic storage circuit containing stored, encrypted, and fingerprint data. A finger is read by a reader to find out any unauthorized fingerprints on the check. The check data included a matrix barcode that encodes data that includes the check identification, account and bank details. When the payee presents the check to the relevant bank, the server reads the information in the matrix barcode in the check and the fingerprint stored in the storage circuit using the method of matching the information in the matrix barcode and the fingerprint stored in the bank's database. Moreover, the system will accept or reject, based on the database, check or fingerprint needs

Description

_y- A system and method for issuing and documenting secured bank checks

System and method for issuing and authenticating guaranteed bank checks FULL DESCRIPTION BACKGROUND The invention relates to a system and method for issuing guaranteed checks containing a magnetic cell on Jad, checks, passports, credit cards, or national identity cards. alae) eg letter It is customary for bank checks to be made of so-called bonded paper that contains cotton fibers and has special security features. Despite this, the content of the transaction for such a check raises a question. In terms of verifying the value and the validity of the signature.” Manual signatures can easily be forged or modified, or the check holder forgetting, or that the check was signed correctly by the check holder, but this fraud is not limited to cheques; But it also applies to Jie for insufficient balance. that

So AY other financial and legal procedures, other official documents or contractual agreements eg birth certificates, travel documents, identity cards as well as eg legally binding Ve documents, prescriptions, vouchers etc. Related technology provides a way to process cheques; The facility for processing checks is equipped with a track that is in contact with an outlet. AY curve; One of its ends is in contact with an entrance, and the end is magnetic for reading, a printing mechanism, and a scanning mechanism, in addition to the LH, and it is organized in an organized way, using the destination to which the check will be run within the curved path. The problem with the Vo method for check handling is that the machine as a whole needs to be assembled when the magnetic reading mechanism, printing mechanism, and scanning mechanism are held together with the curved track. So; There is a problem with unfavorable maintenance and checks still need to be signed by the account holder. In a way, device and/or system for positive identification and documentation 701787309 Adal) Requisition document relates to 0 content of owner or editor Document or instrument with content. It can be a document or instrument with content

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b in physical form or in electronic form; Whereas, document or instrument verification (checking the consistency and validity of a document with content) involves verifying the nature, source, or owner of a document submitted for acceptance. For this purpose checks for personal monetary transactions are required to include the signature of the account holder or proprietor in order to be valid at the time of presentation. Nevertheless; © The traditional fingerprint is still needed; using ink and traditional fingerprint reading machines that are not completely accurate for this purpose; Where the traditional fingerprint can easily be modified. Furthermore it; Said function exposes a method involving the production or fabrication of a label (physical composite or electromagnetic content) shaped to capture the characteristics of a multi-dimensional fingerprint. Label includes template, physical component, or element 0 Electromagnetic LEN Multidimensional fingerprint features. The method furthermore involves applying or embedding a label comprising a die, physical compound, or electromagnetic content on a document requiring verification or requesting confirmation of the source or owner identity so that a multi-dimensional fingerprint placed in the die that positively identifies any issuer or owner of a document with Content. Yes, electronic payment systems that use electronic checks are known. In particular; The CyberCheck system that uses a secured check as a means of payment for goods and services has become very common. In this system, only any dnl check is used for payment operations and Lai is extracted after it is signed by users; this does not guarantee full scope For the circulation of cash money, which significantly reduces the capabilities of the system for settlement and the existence of prerequisites for the issuance of 0 uncovered checks.Lag there is a NetChex system, which is an electronic payment system. In this system, only the consumer order is received lanl Check in electronic form and the check is then sent to the supplier of services/goods in paper form, which also reduces the capabilities of the system to perform settlement operations and mainly complicates the process of handling checks.

The use of Paymer digital checks for settlement purposes is also known in this field; From Jal Implementation of this system Information about checks when they are circulated is stored in documentary form in paper form; It is possible to carry out transactions through the medium of checks between users of the system in both electronic form and hard copy. in this context; Checks do not refer to a specific owner; Hence Ane Lan 0 Shared Ownership" of a check. Obviously, this system does not allow for the exclusion of risk from the implementation of electronic two-way settlements and does not guarantee the transparency of all electronic check processing. The existing bank payment transaction system revolves around a number of methods such as wire transfer Internet for instant money transfers and making payments through banking tools, namely check and money order on demand, etc. In the case of banking tools where the payment order is a deferred payment Ve order, the preferred method of transaction is through a check where the balance is not debited in an amount The paying party until the check is presented to the drawee bank.Nowadays most account holders carry checks and checkbooks to transact.The system in place requires a huge number of slips of paper to pass from bank to customer;at the bank;and then from customer to beneficiary and then From the beneficiary to his bank for processing through 0 interbank settlement system for checking and payment afterwards.These steps are not enough and the exchange of resources and value can be done through more innovative ways. Moreover, the existing check payment methods require the payer and the beneficiary to exchange data on bank accounts in order to facilitate payment, and there are many customers who do not wish to disclose the details of their bank accounts; Most of the time this is because banks themselves advise their customers to keep bank details secret from und dal theft of the PIN. This results in customers becoming unwilling to use existing alternative bank payment services; Because this requires them to share financial data. General description of the invention TYAY

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The present invention relates to a system and method for issuing secured checks containing a magnetic cell. The present invention provides electronic issuance of bank checks and provides customers with a high level of confidentiality and the possibility of obtaining an ALIS documentation database and a legal window regarding all transactions executed by customers in the system.

© The technical result to be achieved by this invention includes BIA Check Cardboard as well as the secured enhancement of bilateral settlements using secured checks by both engineering means and methods of keeping secured checkbooks and validating checks and verifying customers in the system by guaranteeing a cycle ALIS consists of check trading, including methods for issuing and paying checks and executing transfers through electronic checks.

0 to achieve the above technical result; A system that contains a server-computer facility is used for Joh and data storage” including the server application; a computer facility for the customer; Including client modules with a firmware that includes the ability to connect a client’s computer with the add method via Internet communication channels, a digital fingerprint scanner, a means of storing the fingerprint on a magnetic circuit, or printing the fingerprint on the check, and printing the barcode with the account data on the check.

moreover; The traditional settlement system differs from the electronic settlement of the check subject matter of the invention from the prototype. The client and server applications contain, at least, interconnected units with a user authorization in the system that is linked within it and a unit for updating and authorizing the data of the client and server application. In addition, a means to read the barcode and fingerprint to match the fingerprint. a finger with account details; and an entry unit to carry out transfers and store information on the relevant customer account details

0 - with a fixed program with modules to verify the check indicators related to the authorization module, verify user indicators, the module for registering and editing the server’s check, and the application connected to the feeding channels of the modules for managing electronic auditing and electronic deposit Joly Notifications to the user immediately and connected to the module for updating and synchronizing the data of the special application user.

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from Jal that; User application modules are grouped into models through Sila classes User mode defined by authorization module of user and server applications with the ability to preset the set of application specific trading indicators. In practical terms; The system provides three categories for users - the initial category for issuing a check and the standard © category - which requires the provision of additional data about the customer and enables the customer to submit checks for payment to the bank and choose the bank that will settle his checks and the extended category that allows the beneficiary of the check to deposit it automatically. The method of “laa” and documenting the check “electronically” differs, including the stage of entering the user’s data and his authorization in the system, in addition to entering the transfer data, so that it allows the check to be transferred immediately, according to the parameters provided in the method of bookkeeping for the check, and it includes the following stages: Authorization in the system; receive account data; enter check indications; Check the details of the Cala account; use of the check with the barcode of the account details and the fingerprint of the account holder; Transactions involving presentation of checks for payment, issuance of new checks, deposit of check into account or dls operation of the system when a standard user class secured check is transferred by the vo of the customer (the broker) to the account of the customer (the broker); Deposit the electronic check into the beneficiary's account. The method for issuing checks provided by the present invention only allows checks to be issued after cash stages have been completed by the various classes of user. The issuance method includes cash phases to produce a request (laa) check by the issuer of the check in addition to the bank's audit of the cash deposit in the settlement account of the issuer (the party issuing the check) as a secure medium for the check issued 0 and in accordance with the indications of the request and the confirmation of the bank to issue the electronic check . The method for depositing a secured check also involves several stages and requires mandatory participation from various categories of user. The method includes the stages of issuing a check to the customer to the bank in order to pay the check, checking the data specified in the check, and the possibility of paying the check. The bank checks the validity of the check and implements the payment of the check. Moreover, the mentioned method is applicable to TYAY

Automatic deposit of checks through vending machines. Brief Explanation of the Drawings Figure 1 is a schematic diagram of the system; which uses the methods of the invention. Figure 7 Flowchart of the client module's operating algorithm for entering indicators and executing © Guaranteed Check Issuance. appearance ? is a flowchart of the procedure for completing check payment form; It is a structural drawing of the check processing facility equipped with the appropriate technology. Figure © shows the front side of the check, which is integrated with the barcode storage circuit. Figure 1 explains the front side of the check, indicating the location of the scanned fingerprint 0 and the barcode Description 1 for detail: The present invention aims to provide a system Guaranteed voting checks (system) between organizations and/or individuals in real time. technically; The implementation of this system can include at least one server computer means for processing and storing data, the server application that includes the mentioned means, and V0 computer means for work in order to process data using client applications, including these means, which allows interoperability between the customer’s computer means and the computer medium. server automation. The internal interaction of the client's computer device with the server is carried out using the Internet via protected communication channels; A means to scan the account holder's fingerprint A means to print the barcode and store the fingerprint on the circuit Or print the fingerprint with the relevant barcode 01 The protection of communication channels is achieved by server and client applications using coding algorithms and digital fingerprint.

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_ A —_ The methods available here are expressed in context in a logarithmic form of the corresponding operation of the server and client computer devices. Compatibility in operating means with given algorithms is achieved by executing a series of code available in client and server applications. The construction of the server facility or group of devices is based on one or more computers within a local area network© and includes at least the following units: a database management system; web server (a unit for interoperating with client applications via the Internet); An application server (a unit for executing the logic of the main application and ensuring interaction using a DBMS) and a unit for direct instant messaging (giving immediate information to users about states in the system). The system described in the above context does not limit any possible implementations of this invention. Figure 1 provides a structure for the client application and the user in the form of functional units. With regard to the implementation of the system subject of the invention. The customer application has several Ally (Jal) methods defined from: Customers lis It is assumed that there are three main modes of the system For this, customers can be Ve users (legal legal persons or al) using a database that implements a computer method for the customer, and thus the subscriber can obtain the ability to implement specific algorithms in the system and request access to a specific volume of information available in the system. The initial status is the user level, which is limited to a set of possibilities within the system + where the system requests verification of the account holder's data and requests the fingerprint of the person authorized to issue the secured check. Toi is designed for authorized system customers; “meaning individuals or legal legal persons. In order to obtain this status; The customer has to provide additional information about himself and the number of documents for confirmation. The customer status enables him to submit checks to the paying bank and choose the paying bank for his checks.

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Extended mode is the level (dled asad) the issuer, partner, banks and dealers (intermediaries) of the system. In order to ensure the work of the methods provided by the invention, the following clients must be mandatory registered in the system: © Issuer: The organization on whose behalf the secured checks are issued Beneficiary: The second party written on the check as beneficiary At least one Bank: In which cash acts as an element security for checks issued that are placed in the issuer's settlement account; The bank can be replaced by an automated banking system. Figure 1 is a drawing of a similar system.

0 as a result of the first stage; The issuing party generates an electronic application; In it, the category (individual/legal person) will be selected and the required information will be entered. to confirm the requested information; The subscriber must present the check or documents duly. Only after the successful completion of the document validation phase. Guaranteed Checks: A secured check is the equivalent of cash in the system; As the aforementioned check is

:1 and © Documentary form and contains the following mandatory details as shown in the two forms No Check number: A unique symbol for the check Include a description of the check in the text of the document in the language of the country in which the document was drawn. A request to pay a specified amount (value noun for the check) the name of the paying bank

0 An indication of the currency of payment, an indication of the date and place of issuing the check

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=« \ _ Magnetic circuit to store the fingerprint electronically in one of the embodiments of the invention » The fingerprint of the entity that issued the check (the entity that drew the cheque) The barcode of the account details and current transactions © The secured check is characterized by the following cases: A circulating check: a valid check and at the disposal of the system's clients. Sending the check for payment (to the paying bank) The check is sent for payment through collection The check is insured against fraud» as no signature is required.

Ye The check is paid The change in Ala The secured check or the change of the owner of the check occurs as a result of certain operations Jie Issuance of the check or transfer of the check or sending the check for payment or sending the check for payment by collection or paying the check or collecting the check. All check transactions are recorded on the back of the check register and the dalla documents are legally extracted from the bank or at the automated banking system.

1_ The system enables the user to enter the initial data required to transfer the required check. That this module can offer several possibilities for entering the transfer indicators: direct entry of the indicators (entering the account of the paying party AED; the amount of the check received or the amount of the check to be written off or the purpose of the payment); Selection of indicator variables from the list of possible values (choice from the list of calculations

(JE based on invoice received for depositing checks into an account or application of a specific type (eg 0 application for purchase of a secured check). The last variable is based on the use of information received during unit refresh and client and server data synchronization and storage in the application by corresponding method

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-11- For the specific implementation of the system (in random access memory or read-only memory in a computer medium). The method of entering switch indicators can include an automatic validation check so that this check is performed during the entry of indicators; In this way, the user will be notified immediately of any error. It may include the method of automatically calculating the commission amount to be collected for the transfer within the time of receiving the transfer amount data through the application. It is possible to calculate the commission by the © module on the basis of the application's local data (to be stored in RAM or a database at the stage of receiving the account data) or on the basis of the Ji data rate; laden For the sake of sending; To be downloaded from the server by means of a separate request. This possibility can be used Dependence of the commission rate on the position of the client in Jie to implement more complex commission setting variables The group (in this case, in order to determine the commission, both data about 0 sender and data about the recipient will be required); Possibility of setting the independent commission for the client. After calculating the commission; The module will inform the user regarding the amount of commission to be charged for the transfer and the amount to be written off (or amount to be received; depending on an indicator within the input). System; The necessary data is retrieved from the system to show all the details of the check; And starting in dan to release the fingerprint of the electronic check using the barcode (and by this means; 1 fingerprint of the check is made on behalf of the issuing authority by implementing electronic digital algorithms) and a record of a new secured check will be made in The section of the database titled “Information on a secured cheque.” The procedure for recording a dn issuance transaction record when a secured cheque is released; The system performs the check for electronic check transactions in the register. As in the case of input pointers where 0 starts with this action; The following data is transmitted: the electronic check number; The number of the account to which the referral will be made (the account of the issuer of the check); Transaction type ('Issue a cheque'). During this 'E-Checks Jad' framework any record will be entered within the database section titled celal) containing the following data: transaction number, date and time, value, currency, issued check number and type The check issued and statements regarding the account balance Jay the transaction and the account number to which Yo

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_ \ \ -_ the giver. After successful registration of the transaction in the check register; The operation of the electronic check issuing unit will be terminated for the check for which the unit was started. Furthermore it; The system allows the amount of the check to exceed the account balance; It will be done automatically from the account balance.” If the check exceeds the balance of the account, the system will automatically reject the process, and such a process will stop issuing an inappropriate check with insufficient balance. Method for issuing an electronic check: The following context indicates the method that is presented for issuance of a secured check that is used in cases other than transactions involving automatic exchange of a secured check in the execution of transfers. The method aims to ensure the safety of the process of receiving new checks for circulation issued using real cash received in the payment account of the check issuer ‘Ye’ for example in the purchase of checks by a dealer (broker); Instead of using the payment for other secured checks. The initiation of the process of issuing a secured check is the launch of the client application by the user with an issuer account; In the meantime, the client performs the authorization in the system; Then it is executed for the purpose of updating and synchronizing the data of the client and server application. Successful execution is a prerequisite for transferring to Yo the unit for data entry and sending requests for issuance of a secured cheque. to start this unit; The issuer must select the corresponding section in the user interface of the client application. The unit provides the user with the ability to enter the preliminary data required to issue a request for issuing a guaranteed check. Say: This unit provides different possibilities for entering order indicators; direct entry of indicators and selection of indicator variables from the list of possible values (producing a request based on a purchase order from a check received from the customer (broker). The mandatory indications for the application for the issuance of a secured check are the details of the issuer (registration number; description, etc.); face value; The currency of the check to be issued; the paying bank; the issuer's payment account number; beneficiary mobile number (name; and owner of the international property;

TYAY yy Correct completion by the issuing party of all required indications of the request; The system will produce a request to issue a check in the form of a secured document notarized according to the issuing party's written signature equivalent. The unit will prompt the user to scan his/her fingerprint; And if he finds an additional owner of the account; The system will request a second fingerprint for the co-owner; and request . From the server module Register applications, orders and invoices for depositing checks into the account. © Server; in sang by ddl) the unit performs the procedure for verifying the issuance request of the cheque; Meanwhile, he urged; The necessary verification is performed to match the registered fingerprint. In the event of successful fulfillment of verifications; The request will be logged on the server. The records will be entered into the check base in the data slay in a section titled 'About applications, requests and accounts'

0 Account". After that, the facility will start printing the check by printing a bar code and the fingerprint together electronically by saving on a magnetic circuit or printing the fingerprint traditionally. A message will be sent to the customer informing him of issuance of the secured check. After receiving the check; The beneficiary can go to the bank; the bank verifies the validity of the fingerprint and whether the same check matches the transaction details stored on the bar code.

Vo p method of payment of the secured check: In the AT embodiment of the invention; The beneficiary can obtain the amount in cash using an automated banking system; Since the aforementioned banking system includes a means of reading the barcode and fingerprint and sending the data to the server »; In the event that the data matches and the verification is completed, the beneficiary can make any transaction using the secured cheque; Convert to cash.

0 in context old Displays a way to pay a secured check to be used in cases led The check is sent to the bank for the purposes of receiving real cash pursuant to the check in a bearer settlement account. This method aims to ensure the integrity of the process of receiving payment according to the check. On the check holder's side and on the paying bank's side.

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fas The process of sending an electronic check for payment is that the user launches the customer application »within

This Tas authorizes the client module in the system and then starts the execution module to update and synchronize data

client and server. That the successful implementation of the module is a prerequisite for the transition to the data for the entry

And send applications to pay the guaranteed check. Through the module, the lid can be accessed by various © users (eg only legal legal persons with a higher status in the system than

initial position).

How to verify a secured check:

The electronic check verification process enables the bank to receive confirmation of the validity of the check to be made

Send it for payment, and it will be a mandatory stage to complete the payment of the check.

dle fas 0 verification Laie the bank; After receiving the transfer of the electronic check to a specialized account with instructions on the purpose of payment on the application for paying the check; Issuing a request to verify the payment of the sent electronic check. When selecting from the bank's options; All’ LAN Verification” module for data entry and sending requests for e-check verification will work. The unit will supply the bank with potential

1 Electronic completion of application indicators based on the received transfer. The verification request contains data regarding the electronic check as well as the person who sent the check for payment. The unit will validate the completed application in the form of an electronic document that complies with the standards of the bank in terms of the equivalent written signature and send it to the server unit to register applications, requests and invoices for depositing checks into an account.

0 The unit implements the procedure for verifying the request indicators to verify the electronic check; which includes an electronic verification of the details of the electronic check» In the meantime, the written signature equivalent to the check is verified (the electronic signature verification algorithm will be implemented using the public key of the issuer of the check and the registration on the check in the database; which ensures that no

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“ve the possibility of changing the e-check details); As the current state of the electronic check and the account of the recipient of the request (the server module is started). The invention provides a check processing facility; It includes: a base and a frame located on the upper face of the base, forming a letter-shaped paper path, multiple sets of belt roller assemblies, and various processing mechanisms located along the letter-shaped paper path, where one end of the © letter-shaped paper path there is no entrance and the other side is an exit; The frame includes a fixed frame structure, a first movable frame structure, and a second movable frame structure, which are outside the fixed frame structure and form a letter-shaped paper path not together with the fixed frame structure; Both the first drive frame and the second drive frame can rotate on the base to open and close in relation to the fixed frame structure, where all or some of the multiple sets of 0-belt roller assemblies and the multi-processing mechanisms are in the exposed position when they are in the drive frame The first and the second movable frame structure are open relative to the fixed frame structure. Furthermore it; The first movable frame structure shall be L-shaped as a whole and extend along a first and second side of the first frame structure and the second movable frame structure shall be L-shaped as a whole and shall extend along a third side of the first frame structure where the first side and side are joined The second and third side V0 of the fixed frame structure are end to end respectively and in the form of a letter No. Moreover; A straight channel is formed between the second movable frame structure and the fixed frame structure; an entrance to the straight channel is formed between the first movable frame structure and the second movable frame structure. The position of the slewing axis of the first movable frame structure is close to the inlet of the second movable frame structure and the position of the slewing axis of the second movable frame U 0 paper track is close to the inlet of the straight channel. Scanning mechanism is used in straight channel; The scanning mechanism includes a first scanning unit designed to scan an image on the first side of a check and a second scanning unit designed to scan an image on the second side of a cheque.

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_ a \ _ furthermore; Magnetic mechanism for reading and magnetic mechanism for printing are adopted between the entrance of the L-shaped paper passage and the straight channel respectively. Furthermore it; Both the handling mechanisms and the transfer roller assemblies located on the first and/or second side of the first frame structure are used on the fixed frame structure and/or base. © Further; The check handling facility additionally includes a paper pickup mechanism located in the Jade letter-shaped paper path as the paper pickup mechanism includes a paper pickup roller, a movable print roller, and a plastic element designed to make the print roller angled toward the paper pick roller. Furthermore it; The check handling facility additionally includes a paper separating mechanism located in the 0 dimension Cua that the paper separating mechanism includes a paper separating roller and a member for pressing the paper. Furthermore it; The check handling facility furthermore incorporates a third frame structure forming a grasping groove between the A-shaped paper path exit and the fixed frame structure as the stop lever is located at the A-groove gap for the intake. VO by means of the check processing facility of the invention; When the first movable frame structure and the second movable frame structure are closed relative to the fixed frame structure; The first carousel structure and the second carousel structure become abutting and lie outside the fixed frame structure, and both the first carousel structure and the second carousel structure form a letter-lae paper path together with the fixed frame structure. When the first moving frame body is opened relative to the fixed frame 0 body; It is possible to detect the component between the second movable frame structure and the fixed frame structure. So; It is possible to easily replace or clean each component in the L-shaped paper path of the check processing facility or the problem of jammed and stuck checks can be easily resolved. (SU) Compared to the previous art, the check handling method according to the invention is distinguished by the good maintainability of Dad over the ease of maintenance by Jie. TYAY

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In embodiment op AOU HAT embodiment includes a method and device for placing or embedding a product label or process in a special way using a mold, a physical component, or an electromagnetic element to make the features or characteristics of a gual (fingerprint) present on a document or on a document with content. In one example; device

produce or manufacture a label or any other means designed to make or produce labels; who can work

or produce as well as place or embed the label on the document with the content. The label is designed using a template, sale component, or electronic magnetic element so that it accepts or applies the features or characteristics of a multi-dimensional fingerprint (2D or 3D) to it by the source, owner, or editor of the document. According to one embodiment of the invention; The label can be a Ql made of a composite material or electromagnetic element which can be a resin or wax composite or be

0 is a combination of organic (of carbon) and inorganic to preserve the contours of a multi-dimensional fingerprint. That the steps for this may be before the production or manufacture of the label and prior inclusion of the label within the document; Any prior to, or in anticipation of, information or content being transmitted

to the document by the source or owner of the content. alternatively; Forms can be available on demand or available in real time i.e. at the time of extraction of the document with content or by means of

10 Production, manufacture, and/or placing or embedding within the document, which is considered the same step or stage for extracting information or content on the document by the source or owner of the content. In one embodiment (dla), the issuer or owner of the document with content will transfer the features or characteristics of the fingerprint to a label within the new document with content. Therefore, one embodiment of the invention includes a method that can be performed by means of a device or means of production or manufacture to make

Yes and put the flac label in a special way. The method involves receiving a document with content that needs to authenticate the source or owner of the content. The document can be a cash transaction, cheque, money order, bond, passports, identity document, prescription, voucher, official or unofficial document, contract or

deed. The method may, moreover, include placing or embedding a sticker designed to accept the features or characteristics of a fingerprint on it, or placing a specially formulated sticker on it.

Yo is a document with content. So; The owner or editor of the document can transfer their fingerprint profile to a label placed on the document with content and then transfer the fingerprint profile to

TYAY yA document with content. in one embodiment; A label is a template designed to accept or receive a transfer, recording, or multi-dimensional image of a fingerprint feature. The template provides an on-demand or real-time surrogate in the sense of producing or making a label and/or placement or rendering; to label the document at the same step or at the same time; information, work, or extraction of a document by a content source or owner; Any document becomes a content document. © In an embodiment; The fingerprint features or characteristics that are transferred to or recorded on the label shall be protected by using an outer layer made of a transparent and smooth material to stick to the transferred or registered features or characteristics and ensure that attempts to transfer the fingerprint features of the identity are not a one-time fingerprint Ji use it. The poster is designed so that it accepts only sale) It can be repeated or one and for one embodiment within the document. The label accepts one-time use only and any attempt to tamper with the 0 transparent seal will render the label unoriginal. thus; The poster is included once within one; Any attempt to remove the label from the document, remove the protective seal of the features, or tamper with the label and/or the fingerprint features will make the fingerprint illegible or corrupt her safety. Therefore; Any label of a document with manipulated content becomes unaesthetic. In some Yo incarnations; The label and the security seal are provided with physical features associated with the content. The security seal may include a 3D image that provides an additional level of physical integrity and confirmation of the physical integrity of the label and the safety of the true link between the existing fingerprint features and the document with the content. This makes it possible to confirm the one-time use of the label on the document and the one-time use of the fingerprint feature on the label. 0 In one embodiment; The physical component of the label subject to the electromagnetic element will only accept one time only the features of a fingerprint for once, and these features will become solid, and then any other attempt to produce a copy of the fingerprint will be invalidated. The sealing cover of the label or the protective cover will only accept one attempt, and attempts to remove the sealing cover will make the features

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“va The blog is unreadable or corrupt. The physical linking of the poster to the document will only accept linking attempts once. Attempts to remove the label will render the noted features unreadable or corrupt. Physical Compound or Magnetic Element 1 shown in Figure Yeo of an embodiment; A label has a, electrical or specially formulated coating applied to it which can capture features or at 5000 times on the document Yeo the characteristics of a multi-dimensional fingerprint. The label may be applied © or alternatively; The sticker can be of the nature of the adhesive type 000. The work of the document is physical and safe, and it is placed on the document at a stage after its manufacture. If you remove the label from Document 001 it will make the secured fingerprint profile unreadable. for example; The document may include but not be limited to Jie bonds and other financial and non-financial instruments; oF shown in the form of birth certificates, Jie al passports and money orders; any formal contractual documents or agreements 0 travel and identification cards as well as legally binding documents, prescriptions and vouchers; etc. and any other possible document or instrument required which has a positive content identification of the issuer or owner. Furthermore; In one embodiment of the invention; Another level of mechanism integrity and validation is possible by computing a private key for the source or owner of the content document. The private key can then be combined algorithmically with a unique set of alphanumeric codes1 that are based on the features and characteristics of the owner's fingerprint or the features of other parts of the body. This arithmetic combination of the owner's private key and a unique set of symbols can then be applied to the content number. In some embodiments; It is possible to apply a combination derived from the fingerprint or the alphabet and numeric derived from other body parts or an alphanumeric combination derived from the arithmetic on the document through embossed 0 patterns. in one embodiment; Relief may be accompanied by the application of heat and pressure with pigments, with stress applied to the fibers of the document. That both temperature and pressure raise the male and female level of the image of the substratum. In another embodiment it is possible to make the inscription in raised letters.‎

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=« \ _ in 5 . | Ie ‘at’ from - 3a) Search for the alphabet and numeric form of: “Al-Asabah or Aath KN The alphabet and number of my account on the document through printing. In one embodiment; The print may be subconscious or invisible to the human eye. that; Some embodiments of the invention provide alternative approaches to obtaining fingerprint features; as led© is a physical input by which a fingerprint profile is obtained by physically pressing a finger against a template within a label to obtain the fingerprint profile on the content document; or including electronic input by means of which a finger or other body part is physically pushed or placed in front of a reader to read features which are then recorded by embossed or optionally calculating typographical features or a representative image on the content document. 0 therefore; provide some embodiments of the invention; Another validating mechanism to validate the source or owner of a content document. specially; Embodiments of the invention provide another foolproof method of ascertaining the authenticity of a document than the present method through a handwritten signature. Furthermore it; These invention models, as described above, provide a mechanism for motivating the link between source, owner, and elements that confirm the validity and authenticity of the content. Vo stage of congruence: in an embodiment; A method and method is provided to read and confirm the source of the document that includes a sticker with the fingerprint features that are transferred on the document. In the OAT embodiment, a method and means are provided to read and confirm the provenance of the document that includes a relief inscription or alternatively imprinting with the features of the imprint (ual) or imprinting with the features of other body parts 0 and transferred on the document. According to one embodiment; When it is required to confirm the authenticity of the source or owner of the content document; For example by its intended recipient » A specialized reading device (reader) is used to identify the source or original owner of the content document and then to verify the validity and authenticity of the content document. For TYAY yy for example; The reader can scan the content document and, in a specialized way, features a poster embedded within the mentioned document. Alternative example A reader could scan or read a document containing specifically the embossed inscription or in one way or another the features printed within it. Of the possible day personalization as an alternative example a reader who can read the content document in electronic format and on the printed fingerprint profile information or any other body part profile information that is neither perceptible nor visible to the human eye. one embodiment; A processor with memory is designed to direct the reader to receive a document for verification and to scan to read the document and attached label. in specific embodiments; The document received by the reader can be any document disclosed above. for example; The document may include a sticker that includes multi-dimensional fingerprint features in the form of a cast of resin, wax, or 0 (composite of other material or made of electromagnetic element with a basis of an organic coalition with a basis of carbon) and inorganic. In another example; The document may include printed information that is not perceptible to the senses or invisible to the human eye. The reader is configured to read the fingerprint features on the label to identify the owner of the fingerprint; And to detect whether the label has already been tampered with by detecting abnormalities in the label's sealing envelope or in the fingerprint transferred or recorded on 1 by taking a picture of the fingerprint 01 of the label. If no tampering is detected; The multi-dimensional reader on the label can then compare it against the database of 90 stored previously recorded fingerprints and identify the holders. When there is a matching fingerprint profile in the database; The alleged owner or editor of the document. if (ila) the reader can confirm whether the fingerprint features are present a notification indicating that the document is valid and original. can 01 if so; the reader can 0 an audible sound or a visual signal. andl the notification that includes, but does not include, if the reader detects that the label has been tampered with; the fingerprint profile in the database(s) does not match; or the fingerprint profile in the database does not match the An indication that this document is incorrect Lad The intended owner of the document The reader may return a notice or forgery The error notice may also include an audible sound or a visual signal. YO

TYAY

_ \ \ —_

Reader 01 can be configured specifically for each application or type of document to be checked. for example

JE In some embodiments ¢ the reader can be manipulated with the ability to move to the location of Al . in

in one embodiment; The reader is configured to read fingerprint features transmitted or captured by © via information embossed prominently on a content document. in one embodiment; The reader is initialized

Reads fingerprint features transmitted or captured by information printed on a content document

In this way, the printed information cannot be perceived by the senses or invisible to the human eye.

In order to define the scope and limits of the invention; Please refer to the attached items.

TYAY

Claims (1)

Claims 1. A system for issuing secured checks containing a magnetic cell; Where the system includes: - A server computer means to process and store data, including a server application; Computer means of the client (lll) dalled A computer means of the server through special communication channels on the Internet. - A system for user authorization that is linked to the aforementioned system and includes a unit for updating customer data and is connected to a central server so that authentication takes place by verifying indicators of the secured check transaction related to a system for authentication and verification of user indicators; Where the aforementioned documentation system is connected to a special means of sending electronic notifications to the user in real time mode and linking to the unit for updating and synchronizing the customer's request data; The User 0 Authorization System also includes a fingerprint validation module using a module to generate and store the details of the information on the bar code printed on the check; - The check printing device includes: a means for keeping the fingerprint on the magnetic cell; a way to print a barcode on a check; A way to print the scanned fingerprint electronically on the check. - A means of documenting the check electronically, which includes: a scanner to read the barcode and the fingerprint printed on the check to read the fingerprint in the magnetic cell, as it is linked to a means of authenticating the fingerprint and checking its compatibility with the data kept in the bank; It is linked to a central server to send a text message to the check writer; And it is linked to an automatic authenticator linked to a device to directly disburse the amount or deposit the check in the beneficiary’s account or transfer it to the account (A) 0 ?- A method for issuing and documenting secured checks using the system according to element 1 of protection that includes: Processing and storing data by a server computer server application included; A client computer processing facility containing a means of displaying information, a client application connected via wireless communication channels and/or an Internet connection, authorization of the subscriber in the system, receiving account data, and verifying Yo Indicators of a secured check; Executing the exchange of the sender's check and linking the value of the check to the balance (Asia) nor _— ¢ \ _ Authenticating the check by fingerprint ¢ The fingerprint shall be kept on the magnetic cell on the check, or the electronically scanned fingerprint shall be printed in the place designated for it on the check; Save account and transaction information on the scannable barcode and issue new checks that include the account holder's fingerprint electronically for the account and transaction. 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PRR ANY 3 JAL TIREHE NEN SR 3 SFE IRE WER PHEIRR 3 EE AIT i: MADA REACTIONS % CEA SEER IIR SER co Lib Habi Wa Sul Ahah Jaht Jhalad Jah Jah Jah L ka arguments free m : 1 : 5 : X § § x 3 £ ea ae ¥ Ea FY 1 b : 0 Is fbi The validity period of this patent is twenty years from the date of filing the application, provided that the annual financial fee is paid for the patent and that it is not invalid or forfeited for violating any of the provisions of the patent system, layout designs of integrated circuits, plant varieties, and industrial designs, or its executive regulations issued by King Abdulaziz City for Science and Technology; Saudi Patent Office P.O. Box TAT Riyadh 57??11 ¢ Kingdom of Saudi Arabia Email: Patents @kacst.edu.sa