WO1996018169B1 - Transaction verification apparatus & method - Google Patents
Transaction verification apparatus & methodInfo
- Publication number
- WO1996018169B1 WO1996018169B1 PCT/US1995/015721 US9515721W WO9618169B1 WO 1996018169 B1 WO1996018169 B1 WO 1996018169B1 US 9515721 W US9515721 W US 9515721W WO 9618169 B1 WO9618169 B1 WO 9618169B1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- fingerprint
- transaction
- input device
- financial transaction
- image
- Prior art date
Links
- 230000000875 corresponding Effects 0.000 claims abstract 11
- 230000005540 biological transmission Effects 0.000 claims 6
- 230000011664 signaling Effects 0.000 claims 4
- 238000010200 validation analysis Methods 0.000 claims 2
- 150000002500 ions Chemical class 0.000 claims 1
- -1 transact ion Chemical class 0.000 claims 1
Abstract
A storage device is provided which has stored therein an electronic image of a fingerprint of an individual authorized to conduct a transaction (34). A finger, of a person conducting the transaction, is scanned (18 and 24) to form electronic data signals (28) corresponding to an electronic representation of the fingerprint. The stored electronic image is compared (32) with the electronic data signals corresponding to the image fingerprint of the person conducting the transaction. The transaction is authorized only when the electronic data signals corresponding to the image fingerprint of the person conducting the transaction substantially correlate with the stored electronic image of the fingerprint of the individual authorized to conduct the transaction. In one embodiment, the electronic data signals corresponding to the image of the fingerprint of the person conducting the transaction are transmitted over the encrypted communication link to a remote comparator which compares the stored electronic image with the electronic data signals corresponding to the image of the fingerprint of the person conducting the transaction.
Claims
1. A method for electronically authorizing a financial transaction over a communication network, including storing in a storage device an electronic image of a fingerprint of an individual authorized to conduct said financial transaction, reading a fingerprint of a person conducting the financial transaction to form digitized electronic data signals corresponding to said fingerprint, comparing said stored electronic image with said digitized electronic data signals, transmitting to a payment source over the communication network said digitized electronic data signals, said comparing step being conducted prior to said transmitting step for local validation of the financial transaction, and said comparing step being conducted subsequent to said transmitting step for remote validation of the financial transaction, providing an authorization signal when the digitized electronic data signals substantially correlate with the stored electronic image of the fingerprint of the individual authorized to conduct the financial transaction, and authorizing the financial transaction when said authorization signal is provided.
2. The method of Claim 1 where there is stored in the storage device a plurality of electronic fingerprint images of the individual authorized to conduct said financial transaction, said electronic fingerprint images being arranged in predetermined sequence to form a fingerprint code.
3. The method of Claim 1 where the digitized electronic data signals are encrypted for transmission over the communication network and decrypted at the payment source.
23
4. The method of Claim 1 where a thermal testing device is provided which determines that the fingerprint being read is a finger of a living person.
5. The method of Claim 1 where a communication device is utilized to transmit and receive voice signals over said network between the person conducting the financial transaction and the payment source.
6. The method of Claim 1 where reading said fingerprint is conducted by a fingerprint reader including a platen on which a finger of the person conducting the financial transaction is placed, a frame grabber which captures an image of the fingerprint of said finger, and a digitizer device which converts said image into digitized electronic data signals corresponding to the fingerprint of said person.
7. The method of Claim 1 where comparing said stored electronic image with said digitized electronic data signals is conducted by a comparator at a location remote from the person conducting the transaction.
8. The method of Claim 1 where comparing said stored electronic image with said electronic data signals is conducted by a comparator at the same location as the person conducting the transaction.
9. The method of Claim 1 where the person conducting the financial transaction employs a credit card providing account information and identifying the payment source and a point of sale device is used to read said account information which is transmitted over the communication network to said payment source.
10. The method of Claim 1 where the financial transaction entails authorizing the transfer of funds between accounts.
11. The method of Claim 1 where the financial transaction entails authorizing the payment of bills electronically, and includes providing a transaction data input device having a first selector for selecting a creditor to whom a payment is to be made, a second selector for selecting the payment source for the creditor, and a numeric selector for specifying a payment amount to the creditor, transmitting a transaction signal corresponding to the payment source and payment amount from the transaction data input device to the creditor, said authorization signal facilitating the establishment of a connection between the transaction data input device and the selected creditor, said authorization signal enabling the transaction signal to be transmitted to the selected creditor upon the establishment of said connection.
12. The method of Claim 11 where said transaction data input device includes a keyboard for entering a personal identification number into the transaction data input device, and a second comparator which compares the personal identification number to a stored identification number and establishes a correlation therebetween, the transmission of the authorization signal and the establishment of an exact correlation between the personal identification number and the stored identification number facilitating the establishment of the connection between the transaction data input device and the selected creditor.
13. The method of Claim 10 where said transaction data input device includes a first indicator for signaling that the predetermined degree of correlation between the fingerprint and the stored fingerprint image has occurred, and a second indicator for signaling that the predetermined degree of correlation between the
25 fingerprint and the stored fingerprint image has not occurred.
14. The method of Claim 10 where said transaction data input device includes an encoder for encrypting said authorization signal and said transaction signal prior to the transmission thereof to the selected creditor.
15. The method of Claim 10 where said transaction data input device is a telephone.
16. The method of Claim 15 where the telephone includes a credit card reader mechanism that reads data on said credit card.
17. The method of Claim 1 where a computer interfaces with the communications network.
18. Apparatus for electronically authorizing a financial transaction over a communication network, including means for storing in a storage device an electronic image of a fingerprint of an individual authorized to conduct said financial transaction, means for reading a fingerprint of a person conducting the financial transaction to form digitized electronic data signals corresponding to said fingerprint, means for transmitting to a payment source over the communication network said digitized electronic data signals, means for comparing said stored electronic image with said digitized electronic data signals, means for providing an authorization signal when the digitized electronic data signals substantially correlate with t-he stored electronic image of the fingerprint of the individual authorized to conduct the financial transaction, and means for authorizing the financial transaction when said authorization signal is provided.
?6
19. The apparatus of Claim 18 including means for storing in the storage device a plurality of electronic fingerprint images of the individual authorized to conduct said financial transaction, said electronic fingerprint images being arranged in predetermined sequence to form a fingerprint code.
20. The apparatus of Claim 18 including means for encrypting the digitized electronic data signals for transmission over the communication network and means for decrypting the digitized electronic data signals at the payment source.
21. The apparatus of Claim 18 including a thermal testing device which determines that the fingerprint being read is a finger of a living person.
22. The apparatus of Claim 18 including a communication device which transmits and receives voice signals over said network between the person conducting the financial transaction and the payment source.
23. The apparatus of Claim 18 where the means for reading the fingerprint includes a platen on which a finger of the person conducting the financial transaction is placed, a frame grabber which captures an image of the fingerprint of said finger, and a digitizer device which converts said image into digitized electronic data signals corresponding to the fingerprint of said person.
24. The apparatus of Claim 18 where the means for comparing said stored electronic image with said digitized electronic data signals is at a location remote from the person conducting the transaction.
25. The apparatus of Claim 18 where the means for comparing said stored electronic image with said
27 digitized electronic data signals is at the same a location as the person conducting the transaction .
26 . The apparatus of Claim 18 including a point of sale device for reading account inf ormation identifying the payment source on a credit card employed by the person conducting the f inancial transact ion , said account inf ormat ion beinq transmitted over the communication network to said payment source .
27 . The apparatus of Claim 18 including means for authorizing the transfer of funds between accounts .
28 . The apparatus of Claim 18 where the financial transaction entails authorizing the payment of bills electronically, and includes a transaction data input device having a first selector for selecting a creditor to whom a payment is to be made , a second selector for selecting the payment source for the creditor , and a numeric selector for specifying a payment amount to the creditor, means for transmitting a transaction signal corresponding to the payment source and payment amount from the transaction data input device to the creditor, said authorization signal facilitating the establishment of a connection between the transaction data input device and the selected creditor , said authorization signal enabling the transaction signal to be transmitted to the selected creditor upon the establishment of said connection .
29 . The apparatus of Claim 28 where said transaction data input device includes a keyboard for entering a personal identification number into the transaction data input device, and
28 a second comparator which compares the personal identification number to a stored identification number and establishes a correlation therebetween, the transmission of the authorization signal and the establishment of an exact correlation between the personal identification number and the stored identification number facilitating the establishment of the connection between the transaction data input device and the selected creditor.
30. The apparatus of Claim 28 where said transaction data input device includes a first indicator for signaling that the predetermined degree of correlation between the fingerprint and the stored fingerprint image has occurred, and a second indicator for signaling that the predetermined degree of correlation between the fingerprint and the stored fingerprint image has not occurred.
31. The apparatus of Claim 28 where said transaction data input device includes an encoder for encrypting said authorization signal and said transaction signal prior to the transmission thereof to the selected creditor.
32. The apparatus of Claim 28 where said transaction data input device is a telephone.
33. The apparatus of Claim 32 where the telephone includes a credit card reader mechanism that reads data on said credit card.
34. The apparatus of Claim 18 including a computer which interfaces with the electronic communications link.
29
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Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| AU48947/96A AU4894796A (en) | 1994-12-06 | 1995-12-01 | Transaction verification apparatus & method |
Applications Claiming Priority (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| US34978494A | 1994-12-06 | 1994-12-06 | |
| US08/349,784 | 1994-12-06 | ||
| US48582495A | 1995-06-06 | 1995-06-06 | |
| US08/485,824 | 1995-06-06 |
Publications (3)
| Publication Number | Publication Date |
|---|---|
| WO1996018169A1 WO1996018169A1 (en) | 1996-06-13 |
| WO1996018169B1 true WO1996018169B1 (en) | 1996-07-25 |
| WO1996018169A9 WO1996018169A9 (en) | 1996-10-03 |
Family
ID=26996343
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/US1995/015721 WO1996018169A1 (en) | 1994-12-06 | 1995-12-01 | Transaction verification apparatus & method |
Country Status (2)
| Country | Link |
|---|---|
| AU (1) | AU4894796A (en) |
| WO (1) | WO1996018169A1 (en) |
Families Citing this family (19)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO1998011750A2 (en) * | 1996-09-11 | 1998-03-19 | Yang Li | Method of using fingerprints to authenticate wireless communications |
| US6219793B1 (en) | 1996-09-11 | 2001-04-17 | Hush, Inc. | Method of using fingerprints to authenticate wireless communications |
| US6320974B1 (en) * | 1997-09-25 | 2001-11-20 | Raytheon Company | Stand-alone biometric identification system |
| US6317544B1 (en) | 1997-09-25 | 2001-11-13 | Raytheon Company | Distributed mobile biometric identification system with a centralized server and mobile workstations |
| PT950229E (en) * | 1997-11-07 | 2001-07-31 | Swisscom Mobile Ag | PROCESS, SYSTEM AND DEVICE FOR DETERMINING AUTHENTICITY OF PERSONS |
| US6041410A (en) | 1997-12-22 | 2000-03-21 | Trw Inc. | Personal identification fob |
| US6038666A (en) | 1997-12-22 | 2000-03-14 | Trw Inc. | Remote identity verification technique using a personal identification device |
| AU2345499A (en) * | 1998-01-30 | 1999-08-16 | Barry C. Phelps | Biometric authentication system and method |
| FR2780797B1 (en) * | 1998-07-03 | 2000-09-29 | Gerard Bonnet | AUTHENTICATION DEVICE AND METHOD |
| CA2256809C (en) * | 1998-12-21 | 2006-09-12 | Digital Security Controls Ltd. | Biometric input device for security system |
| DE19938096A1 (en) * | 1999-08-12 | 2001-02-15 | Scm Microsystems Gmbh | Procedure for checking the authorization of transactions |
| US6598032B1 (en) * | 2000-03-10 | 2003-07-22 | International Business Machines Corporation | Systems and method for hiding from a computer system entry of a personal identification number (pin) to a smart card |
| WO2001071462A2 (en) * | 2000-03-21 | 2001-09-27 | Widcomm, Inc. | System and method for secure biometric identification |
| DE10043447A1 (en) * | 2000-09-04 | 2002-03-28 | Bioid Ag | Method and system for unlocking a mobile device |
| EP1328906A1 (en) * | 2000-10-25 | 2003-07-23 | Catalina Marketing International, Inc. | Method and system using biometrics to determine whether one is authorized to make a purchase |
| DE102004039449A1 (en) * | 2004-08-13 | 2006-02-23 | Schoeller Logistics Industries Gmbh | Multifunctional mobile portable telephone |
| DE102006037260B3 (en) * | 2006-08-09 | 2008-02-21 | Universität Karlsruhe (Th) | Method for verifying and / or authenticating delivery data, usage, device and computer program product |
| US20110276484A1 (en) * | 2010-05-04 | 2011-11-10 | Gregory A. Pearson, Inc. | Identity verification systems |
| TWI430217B (en) | 2011-08-08 | 2014-03-11 | Ind Tech Res Inst | Verification methods and systems |
Family Cites Families (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| BE787377A (en) * | 1971-08-09 | 1973-02-09 | Waterbury Nelson J | SECURITY CARDS AND SYSTEM FOR USING SUCH CARDS |
| US5202929A (en) * | 1979-09-24 | 1993-04-13 | Lemelson Jerome H | Data system and method |
| US5204670A (en) * | 1988-08-29 | 1993-04-20 | B. I. Incorporated | Adaptable electric monitoring and identification system |
| US5239166A (en) * | 1989-01-17 | 1993-08-24 | Graves Marcel A | Secure data interchange system erasing a card memory upon an invalid response |
| US5283829A (en) * | 1992-10-01 | 1994-02-01 | Bell Communications Research, Inc. | System and method for paying bills electronically |
| US5465206B1 (en) * | 1993-11-01 | 1998-04-21 | Visa Int Service Ass | Electronic bill pay system |
| US5412727A (en) * | 1994-01-14 | 1995-05-02 | Drexler Technology Corporation | Anti-fraud voter registration and voting system using a data card |
-
1995
- 1995-12-01 AU AU48947/96A patent/AU4894796A/en not_active Abandoned
- 1995-12-01 WO PCT/US1995/015721 patent/WO1996018169A1/en active Application Filing
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