WO2002089069A1 - Method and apparatus for providing credit card services to customers with the thumb authentication/one touch method - Google Patents
Method and apparatus for providing credit card services to customers with the thumb authentication/one touch method Download PDFInfo
- Publication number
- WO2002089069A1 WO2002089069A1 PCT/SG2001/000072 SG0100072W WO02089069A1 WO 2002089069 A1 WO2002089069 A1 WO 2002089069A1 SG 0100072 W SG0100072 W SG 0100072W WO 02089069 A1 WO02089069 A1 WO 02089069A1
- Authority
- WO
- WIPO (PCT)
- Prior art keywords
- thumb
- card
- master records
- customers
- authentication
- Prior art date
Links
- 210000003813 thumb Anatomy 0.000 title claims abstract description 30
- 238000000034 method Methods 0.000 title claims abstract description 17
- 238000013481 data capture Methods 0.000 claims description 3
- 238000009434 installation Methods 0.000 claims 4
- 238000013475 authorization Methods 0.000 abstract description 2
- RWSOTUBLDIXVET-UHFFFAOYSA-N Dihydrogen sulfide Chemical compound S RWSOTUBLDIXVET-UHFFFAOYSA-N 0.000 description 1
- 238000007600 charging Methods 0.000 description 1
- 210000004936 left thumb Anatomy 0.000 description 1
- 238000012986 modification Methods 0.000 description 1
- 230000004048 modification Effects 0.000 description 1
- 238000009877 rendering Methods 0.000 description 1
- 210000004935 right thumb Anatomy 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
Classifications
-
- G—PHYSICS
- G07—CHECKING-DEVICES
- G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
- G07C9/00—Individual registration on entry or exit
- G07C9/20—Individual registration on entry or exit involving the use of a pass
- G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
- G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
- G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically
Definitions
- This invention relates to the field of credit card transactions, and more particularly to the method and' apparatus including programs that the transactions are performed.
- the primary objective of the invention is to provide customers with credit card service the fraud proof way
- Second objective of the invention is to wipe out card frauds
- FIG 1 shows the electronic data capture apparatus with the built-in thumb sensor extension in accordance with the invention.
- Figure 2 shows the overview of the authentication process during transaction between the card company and the point of transaction, herein disclosed as the service establishment.
- Figure 3 shows the essential package consisting of mainly a thumb sensor installation software, a thumb sensor card and a thumb sensor extension issued to card users for performing internet transactions.
- Figure 4 shows the program flowchart for the electronic data capture apparatus.
- Figure 5 shows the program flowchart for the thumb sensor installation software.
- Figure 6 shows the program flowchart for the card company's master records system.
- a package consisting mainly of a thumb sensor card, a thumb sensor extension and a thumb sensor software will be issued to card users who wish to transact on the internet.
- Card users transacting on the internet will input their data and card number at the service establishments' website, then using the thumb sensor authentication method, confirm their identities against the card company's master records system whereby effecting the payment.
- Card users may or may not choose to print out the receipts. Refer to figure 3.
Abstract
A method and apparatus, including programs, for providing customers with credit card service, using thumb authorisation payment method. During transaction, the cashier will scan the card whereby opening up the customer's file rorm the card company's master records. When the customers authenticates his/her thumb at point of transaction, herein disclosed as the services establishment, through software (refers to figures 4 & 6), matches the thumb features with master records and completing the process. A receipt will then be printed. There is no connection between the card holder and card itself. The scanning of card mainly retrieves the customer's data file from the card company's master records for processing and for thumb authentication purposes. Customer's thumb print is also not imprinted on the card.
Description
APPLICATION FOR AN INTERNATIONAL TJTπJTY PATENT
METHOD AND APPARATUS FOR PROVIDING CREDIT CARD SERVICES TO CUSTOMERS WITH THE THUMB AUTHENTICATION/ONE TOUCH METHOD
DESCRIPTION
BACKGROUND OF THE INVENTION:
This invention relates to the field of credit card transactions, and more particularly to the method and' apparatus including programs that the transactions are performed.
Most of the time, cards are lost and people are charged for costs that they never incur. No matter how smart the card is, syndicates can easily obtain customers' data through unauthorised scanning either by insiders or outside parties, thereby fabricating their own cards based on the customers' data. Although thumb-print verifications are available, it only revolves around the card holder and the card itself which is absolutely not secure enough. This can easily be countered with a fake card. There are also sophisticated microchips pre-installed inside smart credit cards. They consist of encryptions and are only available to certain credit groups. Cards that uses personal identification numbers (PIN) are also available but there are risks of the PINs being hacked or leaked.
SUMMARY OF THE INVENTION:
(1) The primary objective of the invention is to provide customers with credit card service the fraud proof way,
(2) Second objective of the invention is to wipe out card frauds,
(3) Third objective of the invention is to increase customers' sense of security and confidence,
(4) Fourth objective of the invention is to emphasise on the fact that only when thumb authentication passes will the payment be effected,
(5) Fifth objective of the invention is to provide a totally secured environment for performing transactions rendering unauthorised scannings and hackings by any parties useless,
Other objectives and advantages of the present invention will become apparent from the following descriptions, taken in connection with the accompanying figures 1, 2, 3, 4, 5 and 6 by way of illustration.
BRIEF DESCRIPTION OF THE FIGURES:
The figures constitute a part of this specification and include exemplary embodiments to the invention, which may be embodied into the credit card industry. It is to be understood that in some instances various aspects of the invention may be exaggerated or enlarged to facilitate an understanding of the invention.
(1) Figure 1 shows the electronic data capture apparatus with the built-in thumb sensor extension in accordance with the invention.
(2) Figure 2 shows the overview of the authentication process during transaction between the card company and the point of transaction, herein disclosed as the service establishment.
(3) Figure 3 shows the essential package consisting of mainly a thumb sensor installation software, a thumb sensor card and a thumb sensor extension issued to card users for performing internet transactions.
(4) Figure 4 shows the program flowchart for the electronic data capture apparatus.
(5) Figure 5 shows the program flowchart for the thumb sensor installation software.
(6) Figure 6 shows the program flowchart for the card company's master records system.
DESCRIPTION OF THE PREFERRED EMBODIMENTS:
Detailed descriptions of the preferred embodiments are provided herein. It is to be understood, however, that the present invention may generally be embodied into the credit card industry. Nevertheless, specific details disclosed herein are not to be interpreted as limiting, but rather as a basis for the claims and as a representative basis for teaching one skilled in the art to employ the present invention in virtually any appropriately detailed system, structure or manner.
Customers will register their data and thumb-prints with the card company's master records system. At point of transaction, after the cashier have scanned their cards, the customers only need to place their left or right thumbs over an electronic sensor extension that through a designed software, authenticates their identities directly against the card company's master records system before any payments are effected. The thumb authentication process acts as a final authorisation for payments. Withoμt the customers' thumb authentication process, no payments will be effected and no receipts are printed. There is no connection between the card holders and their cards. Refer to figure 1.
This method will extend to home PC users transacting via the internet. A package consisting mainly of a thumb sensor card, a thumb sensor extension and a thumb sensor software will be issued to card users who wish to transact on the internet. Card users transacting on the internet will input their data and card number at the service establishments' website, then using the thumb sensor authentication method, confirm their identities against the card company's master records system whereby effecting the payment. Card users may or may not choose to print out the receipts. Refer to figure 3.
While Jhe invention has been described in connection with preferred embodiments, it is not intended to limit the scope of the invention to the particular form set forth, but on the contrary, it is intended to cover such alternatives, modifications and equivalents as may be included within the scope of the invention as defined by the appended claims.
ADVANTAGES OVER PRIOR ART:
(1) Eliminate card frauds such as unauthorised scannings by any parties,
(2) Increase card holders' confidence such as eliminating unauthorised chargings whenever cards are lost,
(3) Reduce human discrepancies such as different signatures and keying in the wrong PINs or even forgetting the PINs,
(4) Optimises security due to the fact that the authentication is done against the card company's records and there are no connections between the card holders and their cards.
Claims
(1) An apparatus with a built-in thumb sensor extension for electronic data capturing and for thumb authentication purposes against the card company's master records system,
(2) An apparatus for card holders to be installed onto a personal computer's motherboard including the thumb sensor extension to perform internet transactions,
(3) A program for installation into the personal computer system as the thumb sensor extension driver,
(4) A program for installation into the electronic data capture apparatus for performing transactions,
(5) A program for installation into the card company's master records system for performing the thumb authentication process,
(6) A method of providing credit card services to card holders comprising:
(i) storage of card holders' data and thumb prints into the card company's master records system for authentication purposes,
(ii) setting up of electronic data capturing apparatus with the built-in thumb sensor extension at any service establishments,
(iii) setting up of internet transaction systems adopting the thumb authentication method at any internet service establishments' websites,
(iv) entering into agreements with card holders to adopt the thumb authentication process at any service establishments against the card company's master records system,
(v) issuing to card holders thumb sensor cards, thumb sensor installation softwares and thumb sensor ■ extensions for the purpose of internet transactions.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| SG200102268-0 | 2001-04-26 | ||
| SG200102268 | 2001-04-26 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| WO2002089069A1 true WO2002089069A1 (en) | 2002-11-07 |
Family
ID=20430756
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| PCT/SG2001/000072 WO2002089069A1 (en) | 2001-04-26 | 2001-04-28 | Method and apparatus for providing credit card services to customers with the thumb authentication/one touch method |
Country Status (1)
| Country | Link |
|---|---|
| WO (1) | WO2002089069A1 (en) |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8165425B2 (en) | 2008-07-24 | 2012-04-24 | Siemens Medical Solutions Usa, Inc. | Interactive manual deformable registration of images |
Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| GB2185937A (en) * | 1986-01-11 | 1987-08-05 | Shea Michael Anthony O | Credit card |
| US5306049A (en) * | 1993-09-13 | 1994-04-26 | Schireck John W | Sports memorabilia authentication kit |
-
2001
- 2001-04-28 WO PCT/SG2001/000072 patent/WO2002089069A1/en active Application Filing
Patent Citations (2)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| GB2185937A (en) * | 1986-01-11 | 1987-08-05 | Shea Michael Anthony O | Credit card |
| US5306049A (en) * | 1993-09-13 | 1994-04-26 | Schireck John W | Sports memorabilia authentication kit |
Cited By (1)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| US8165425B2 (en) | 2008-07-24 | 2012-04-24 | Siemens Medical Solutions Usa, Inc. | Interactive manual deformable registration of images |
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