WO2007023488A2 - Appareil de fourniture de documents securises - Google Patents

Appareil de fourniture de documents securises Download PDF

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Publication number
WO2007023488A2
WO2007023488A2 PCT/IL2006/000956 IL2006000956W WO2007023488A2 WO 2007023488 A2 WO2007023488 A2 WO 2007023488A2 IL 2006000956 W IL2006000956 W IL 2006000956W WO 2007023488 A2 WO2007023488 A2 WO 2007023488A2
Authority
WO
WIPO (PCT)
Prior art keywords
individual
document
certified
operative
documents
Prior art date
Application number
PCT/IL2006/000956
Other languages
English (en)
Other versions
WO2007023488A3 (fr
Inventor
Gideon Drori
Oleg Golobrodsky
Original Assignee
Gideon Drori
Oleg Golobrodsky
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Gideon Drori, Oleg Golobrodsky filed Critical Gideon Drori
Publication of WO2007023488A2 publication Critical patent/WO2007023488A2/fr
Publication of WO2007023488A3 publication Critical patent/WO2007023488A3/fr

Links

Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G06Q20/042—Payment circuits characterized in that the payment protocol involves at least one cheque
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/30—Authentication, i.e. establishing the identity or authorisation of security principals
    • G06F21/31—User authentication
    • G06F21/32—User authentication using biometric data, e.g. fingerprints, iris scans or voiceprints
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F21/00—Security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F21/60—Protecting data
    • G06F21/62—Protecting access to data via a platform, e.g. using keys or access control rules
    • G06F21/6209—Protecting access to data via a platform, e.g. using keys or access control rules to a single file or object, e.g. in a secure envelope, encrypted and accessed using a key, or with access control rules appended to the object itself
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06F—ELECTRIC DIGITAL DATA PROCESSING
    • G06F2221/00—Indexing scheme relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/21—Indexing scheme relating to G06F21/00 and subgroups addressing additional information or applications relating to security arrangements for protecting computers, components thereof, programs or data against unauthorised activity
    • G06F2221/2101—Auditing as a secondary aspect

Definitions

  • the present invention relates to banking operations, and in particular, to secured banking operations and secured documentation dispensing.
  • USSN 20050167482 describes a self-service automated transaction machine that permits an authorized user to perform transactions therewith based on facial recognition.
  • the transactions permitted by this solution include withdrawing cash, depositing cash, and exchanging cash.
  • CA 490208 describes a method for automatically verifying a holder of an authorization document.
  • the system is capable of reading a document provided with machine- readable holder details and establishing whether a person presenting the document has a predetermined right .
  • the document contains a chip comprising biometric data on its holder as well as data with a predetermined relationship to the holder details .
  • CA patent 234577 describes a system for the safe authentication and management of registered credit instruments and documents, which is based on retrieving data from a personalized document incorporating a microprocessor storing a personal identification code and a numerical information associated to a mathematical expression or algorithm of the parameters related to a fingerprint of a finger of the holder and issuing the registered credit instruments or documents by comparing the information received through direct reading of the fingerprint of the holder and the application of the mathematical expression or algorithm with one stored in the microprocessor of the personalized document.
  • US 6,941,282 discloses methods and systems for carrying out directory-authenticated electronic transactions including contingency-dependent payments via secure electronic bank drafts.
  • the method includes establishing a secure computer site accessible only by authenticated parties to the transaction and by an authenticated contingency approver. Parties and contingency approvers requesting access to the computer site are authenticated by encrypting identification information provided by the requesting party or contingency approver over a secure channel and matching the encrypted identification information with an encrypted identifier that is stored by a bank, where the encrypted identifier is.
  • US 6,856,965 describes an automated check-cashing unit that includes an input device configured to generate signals in response to inputs from a customer, a storage device including a database of customer information, a check reader configured to receive and read a check to be processed, a cash dispenser, and an electronic processor.
  • the processor receives the signals from the input device, receive information about the check to be processed from the check reader, access the database of customer information to obtain data about the customer, and determine automatically whether to accept or reject the check based on the input signals, the received information about the check, and the data about the customer.
  • the cash dispenser dispenses cash to the customer.
  • the processor is also configured to confirm the identity of the customer based on biometric information about the customer, such as the customer's fingerprint or an image of the customer's face .
  • US 6,826,537 describes a cardless method for reducing fraud in government healthcare programs includes registering a service provider with a healthcare provider and issuing a service provider identification code. Next, registering a service of the service provider with the government sponsored healthcare provider and identifying a claim code for each registered service. Issuing the code is based on data from a biometric reading, a keypad entry with a PIN code, or an electronic signature pad entry to an individual related to a benefits program of the healthcare provider. The code is used to determine if the individual is eligible for the healthcare program.
  • an apparatus for providing an individual adjacent thereto with one or more certified banking documents, or enable the individual to deposit a document thereat and receive a certified confirmation for that deposit comprising: an identification device operative to identify the individual adjacent thereto; a decision means operative to grant or deny access for the individual adjacent to the apparatus to interact with that apparatus, based on input received from the identification device; a user interface, adapted to be activated by the individual in order to determine what are the one or more documents which the individual wishes to receive from that apparatus or deposit thereat; determination means operative to determine the eligibility of the individual to receive/deposit the one or more documents; printing means operative to print certified documents in response to an affirmative determination made by the determination means, or certified confirmation of document (s) deposited by said individual
  • the apparatus may be in a form of a stand-alone machine, similar to an ATM machine, or attached to an ATM machine .
  • the identification device is a member selected from the group consisting of: at least one biometric sensor, at least one camera, voice recognition, magnetic media, identification code, and any combination thereof.
  • the apparatus is further associated with a database which comprises identifying characteristics of individuals . The determination whether to allow or deny access is made based on information retrieved from that database.
  • the certified document is a member of the group consisting of: private cheque (including cheques made in the name of governmental agency) , bank guaranteed cheque, banking letter, legal document, pay slip, invoice, and the like.
  • the printed document is secured by any one or more of the following means: a bar-code signature, an algorithm, type of fonts, special paper (e.g. including water marks), and the like.
  • the secured document is signed by at least one of the following: a bar-code, an electronic signature, or by any other means being in conjunction with the requirements of the local laws .
  • the identification device comprises a plurality of cameras, and wherein each camera is operative to capture at least one image of at least one facial appearance feature of the individual being adjacent to the apparatus .
  • the apparatus described above comprises a processor operative to carry out one or more of the following functionalities: - control the operation of identification device; retrieve data which relates to the individual being adjacent to the apparatus; process information obtained from the identification device; - allow interaction with the individual being adjacent to the apparatus; determine the eligibility of the individual's request; control the printing of the certified document.
  • the apparatus further comprises means to allow an individual to deposit a document (e.g. a private cheque) and receive a certified confirmation (e.g. a bank guaranteed cheque) for that deposit issued by the apparatus.
  • a document e.g. a private cheque
  • a certified confirmation e.g. a bank guaranteed cheque
  • the apparatus provided is operative to allow coding of information, e.g. sensitive or private information, by one or more of the following means: bar- code, a cryptography means, a coding algorithm, and the like.
  • the apparatus provided further comprises means to enable identification of a banking document being deposited by said individual .
  • a network comprising a plurality of apparatus as described above and one or more different servers, each of which is capable of carrying out one or more of the following functionalities: control, supervision, administration, security, inspection and the like.
  • the secured document might be a document issued by an entity that owns the apparatus of the present invention.
  • the apparatus may be operated by an entity different from the entity on behalf of which the certified document is printed.
  • a network of comprising a plurality of such apparatus may be operated by a service provider who is licensed to print certified documents (e.g. certified cheques) on behalf of one or more other entities.
  • FIG. 1 - presents a block diagram of a system construed in accordance with the present invention.
  • FIG. 2 - demonstrates a flow chart of an example of carrying out the method according to an embodiment of the present invention.
  • FIG. 1 presents in a schematic way the functionalities of several databases which may be used in system 2 construed in accordance with the present invention.
  • Database 4 is a security database at which different identification details of individuals are stored, e.g. biometrics of individuals, voice signature, details of magnetic media (such as smart cared, credit card, etc.) associated with the individuals and the like.
  • the other database, 6, comprises data which is used when the secured document is printed, such as barcode, etc.
  • databases similar to the above-described databases are used (4' and 6', respectively) together with a further database 8' which is used in generating a secured confirmation to the individual depositing the document, that the document has indeed been deposited.
  • step 100 The individual arrives in front of a credited public official (step 100) who identifies the individual, copies and saves the identification - and preferably also photographs bio-metrically the individual for future automatic ID - "facial recognition" (step 110) .
  • the identification data is then securely transmitted and stored at the appropriate database in the system (step 120) .
  • step 130 the individual who should receive his/her social security payment goes personally to one of the apparatus construed in accordance with the present invention (step 130) , stands in front of the machine and activates it (step 140) by pressing the button.
  • step 140 the machine photographs the individual and processes a facial biometric recognition thereof (step 150) . If the individual is recognized by the system (e.g. after retrieving identification data from the system's database), an answer is displayed (step 160) comprising the individual name :
  • the system informs the individual of the amount of money he/she is eligible to receive at this point of time (step 170) , and asks the individual to confirm the amount (up to the sum which that individual is eligible for) that should be printed.
  • a secured cheque for the specified amount is printed in the name of . the individual (step 190) .
  • the individual can either deposit the cheque in his personal bank account or convert it to money at designated organization where he must once again identify himself to the teller.
  • the example provided illustrates a way of carrying out a method in accordance with the present invention. However, similar methods may be used to allow printing of secured documents in an ATM-like machine, without departing from the scope of the present invention.

Landscapes

  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Computer Security & Cryptography (AREA)
  • Computer Hardware Design (AREA)
  • Accounting & Taxation (AREA)
  • General Engineering & Computer Science (AREA)
  • Software Systems (AREA)
  • General Business, Economics & Management (AREA)
  • Finance (AREA)
  • Strategic Management (AREA)
  • Health & Medical Sciences (AREA)
  • Bioethics (AREA)
  • General Health & Medical Sciences (AREA)
  • Accessory Devices And Overall Control Thereof (AREA)
  • Collating Specific Patterns (AREA)

Abstract

Appareil permettant à un utilisateur situé à proximité d'obtenir un ou plusieurs documents sécurisés. Cet appareil comprend les éléments suivants: dispositif d'identification de la personne; dispositif décisionnel conçu pour accorder ou refuser à une personne l'accès lui permettant d'interagir avec l'appareil en fonction des renseignements communiqués par le dispositif d'identification; interface utilisateur que la personne peut solliciter pour spécifier un ou plusieurs documents qu'elle souhaite recevoir ou déposer; moyens permettant de déterminer si la personne est habilitée ou non à déposer/recevoir un ou plusieurs documents; et, sur réponse affirmative des moyens de détermination, dispositif d'impression de documents certifiés ou d'une confirmation certifié du dépôt d'un ou de plusieurs documents effectué par la personne.
PCT/IL2006/000956 2005-08-22 2006-08-17 Appareil de fourniture de documents securises WO2007023488A2 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
IL170421 2005-08-22
IL17042105 2005-08-22

Publications (2)

Publication Number Publication Date
WO2007023488A2 true WO2007023488A2 (fr) 2007-03-01
WO2007023488A3 WO2007023488A3 (fr) 2007-09-07

Family

ID=37772020

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IL2006/000956 WO2007023488A2 (fr) 2005-08-22 2006-08-17 Appareil de fourniture de documents securises

Country Status (1)

Country Link
WO (1) WO2007023488A2 (fr)

Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4385285A (en) * 1981-04-02 1983-05-24 Ncr Corporation Check dispensing terminal
US20030115155A1 (en) * 2001-12-18 2003-06-19 Ncr Corporation Issuing certified checks over the internet

Patent Citations (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4385285A (en) * 1981-04-02 1983-05-24 Ncr Corporation Check dispensing terminal
US20030115155A1 (en) * 2001-12-18 2003-06-19 Ncr Corporation Issuing certified checks over the internet

Also Published As

Publication number Publication date
WO2007023488A3 (fr) 2007-09-07

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