WO2007078320A2

WO2007078320A2 - Authentication system for the authorization of a transaction using a credit card, atm card, or secured personal id card

Info

Publication number: WO2007078320A2
Application number: PCT/US2006/019253
Authority: WO
Inventors: Menashe Fouad Dallal; David Naim Dallal; Alice Chuan Li
Original assignee: Menashe Fouad Dallal
Priority date: 2005-12-29
Filing date: 2006-05-18
Publication date: 2007-07-12
Also published as: WO2007078320A3

Abstract

An authentication system for the authorization of a transaction card, such as a credit card, an ATM card or a secured personal ID card by a user. The authentication system includes a writer authenticator input unit for inputting and encrypting of personal authentication data and information of a user to the transaction card for security purposes. The transaction card is defined to be a credit card, an ATM card or a secured personal ID card. The authentication system further includes a cardholder input unit for the user to insert the transaction card of the user, and a vendor unit for use by a vendor for verifying the personal authentication data information of the user when using the transaction card for completing a transaction. Additionally, the authentication system includes the computer system for inputting encrypted personal data and medical information to the transaction card by the user.

Description

AUTHENTICATION SYSTEM FOR THE

AUTHORIZATION OF A TRANSACTION

USING A CREDIT CARD, ATM CARD. OR SECURED PERSONAL ID CARD

RELATED APPLICATIONS

Applicant has filed Provisional Application Serial Number 60/754,732 on December

29, 2005, andhas also filed Provisional Application Serial Number 60/753,231 onDecember

23, 2005.

FIELD OF THE INVENTION

The present invention relates to a self service biometric data input and authentication

system for the authorization of a transaction using a credit card or an ATM card having a

magnetic strip and a smart chip, or a personal ID card with a smart chip with or without a

magnetic strip. The system authenticates the cardholder to the credit card, ATM card or

personal ID card, and it does not have any affect on the present banking system or the present

method of conducting a transaction. It merely elevates the credit card to a multi-function

credit card that could in an emergency situation save the card owner's life. The invention

allows the user to add-on additional security. More particularly, the invention is a self

service writer/authentication system that allows the user or issuer of an Identify credential

to select multiple layers of additional security protection, as desired by the cardholder or

issuer of an Identity credential. Further, the user at his/her discretion, without a third party

intervention, can input or copy all personal data of the user from one credit card or an ATM card¹ tό^uanomer^'b^'y first Being ^"au^'Bϊe^ήϊϊcated as the owner of both or multiple cards. Also, ID

cards issued by Issuer of Identity Credential will be exempt.

BACKGROUND OF THE INVENTION

Security devices and authenticating devices are well known in the prior art, and have

recently become of greater importance, because of the substantial increase in the amount of

identity theft. This includes credit cards or ATM cards being stolen and used, as well as

social security numbers and other information being stolen and used. Current devices have

not been able to decrease the amount of identity theft. New technology is needed to

overcome these problems in a more efficient and secure manner to substantially decrease the

amount of identity theft.

Presently, most vendors do not check the identity of the cardholder when financial

transactions are processed. As long as a card is presented to the vendors, it will be swiped

and a signature collected on the receipt. However, identity checkups are rare because

vendors do not match the signature with that on the driver's license. Therefore, anyone can

easily get away with identity or card theft. Subsequently, there are many complaints of

charges that cardholders claim they never made.

In 2003, the Federal Trade Commission (FTC) conducted a survey that revealed

businesses and financial institutions have sustained a $47.6 billion loss from ID theft in one

year alone. This total represents victimization of 9.91 million people or 4.6% of the

population. More disturbing, the upward trend of fraud in recent years suggests that more mdfviduals afetaBng advantage of the vulnerabilities of the financial transaction system

presently in use.

Recently, British financial institutions started issuing IC chip cards to their

cardholders. Although they use PIN numbers to protect the IC cards, fraud rates actually

have not seen much decrease. Many cardholders report they actually do not want to use their

PIN numbers because thieves have started to steal both the PIN number and the IC chip card.

One of the new products on the card market is the contact-less cards introduced by

American Express and Chase Manhattan bank recently. Though this type of card increases

the speed of transaction, it is not so secure especially in terms of identity checks. Specialists

in the field of information security have raised concerns regarding these contact-less cards,

as these contact-less cards are constrained by the low power in these battery-less devices.

These devices do not have batteries so the circuitry can only compute very simple functions.

Therefore, getting security with such a low power environment is quite difficult.

There remains a need for security devices which allows the user or user of Identity

credential to select as many layers of protection as they believe is needed to prevent identity

theft. For example, the user or issuer of an Identity credential should be able to select

fingerprints, specific codes, pin numbers, photographs, expiration dates, and other means to

prevent identity theft.

PtegtKtMriON QF THE PRIOR ART

Security devices and authenticating devices using fingerprints, retinal scans, voice

prints, biometric sensors, photographs, personal information and personal codes having

various structures, designs and configurations have been generally disclosed in the prior art.

For example, U.S. Patent Application Publication No. 2005/0212657 to Simon

discloses an identity verification system that includes a self-authenticating identity card and

a card reader. The self-authenticating card has a programmable microchip with data

pertaining to the authorized card bearer, including data for a stored biometric feature, such

as a fingerprint, a retinal scan, a voice print, a DNA sequence, etc. The card also includes

a biometric sensor that senses an applied biometric feature and a data lock that releases data

upon determination of a match between the stored and the applied biometric features. In

order to self-authenticate the card, the card bearer must provide the applied biometric feature

to the one fingerprint previously stored in the card. This prior art publication does not

disclose the methods of scanning and storing vital biometrics (fingerprints, personal

information, pin numbers or pictures) onto the smart chip either by themselves or by the

issuer of an Identity credential. Nor does it allow the user or issuer of an Identity credential

to select multiple layers of security protection, as needed.

None of the prior art discloses or teaches an authentication system that allows the

cardholder to select and input multiple layers of security protection, as needed. ¹¹ "^"ΑccorMήgiy!₎"i^lt^"is^"ari^"6BjecFof the present invention to provide an authentication

system for the authorization of a transaction using a credit card, an ATM card, or a secured

personal ID card which allows the cardholder to select multiple layers of security protection

as needed. The Cardholder is not obligated to adhere to this process, he/she can continue using

their card the way it has been used thus far with the magnetic strip only.

Another object of the present invention is to provide an authentication system that

includes a Writer/Authenticator Input Unit that is a stand alone unit or with a computer

attached to it; a Vendor/Cardholder Authenticator Input Unit that connects to a credit card

terminal that has the capability of scanning and saving fingerprints and codes to the smart

chip. A handheld read only Emergency Reader Unit for use by medical and emergency

personals without showing any bank' s information. All utilizing the same protocol and with

provisions of adding other protocols.

Another object of the present invention is to provide an authentication system that has

the features where cardholders, through the Writer/Authenticator Input Unit, copy the card' s

magnetic strip information to the smart chip, scan and save multiple fingers, insert personal

code, take their own picture and save it into the smart chip, at their own discretion. With the

aid of the computer and specialized software insert their medical and emergency data into

the smart chip.

"'Another' oBje^'ct of the ^'present invention is to provide an authentication system that has the

Writer/ Authenticator Input Unit that also is a biometric comparer and verifier with a user- friendly

menu, and red and green indicator lights. The Writer/Authenticator Input Unit also has the

capability of searching all fingerprints stored on the smart chip for such time as the card

holder mistakenly scans the wrong finger.

Another object of the present invention is to provide an authentication system that can

be used in any place such as retailers/department stores, banks, schools, lab testing facilities,

office buildings, computer rooms, government agencies and military branches.

includes the handheld Emergency Reader Unit for use by emergency personnel, such as

police officers, paramedics, firemen, doctors at hospitals, ambulance providers, in which the

cardholder's credit card or personal ID card is inserted into the Emergency Reader Unit and

emergency personnel can read the vital medical data that the cardholder has inputted through

the Writer/Authenticator Input Unit.

integrates and engages with the security database that resides on LAN or WAN servers.

copy all stored fingerprints, picture, codes, and personal data previously stored on the smart

chip from one credit card or ATM card to another. "^'"Another obj ect όftϊϊe present invention is to provide an authentication system that can

be mass-produced in an automated and economical manner and is readily affordable for the

vendor.

BRIEF DESCRIPTION OF THE DRAWINGS

Further objects, features, and advantages of the present inventions will become

apparent upon the consideration of the following detailed description of the presently-

preferred embodiment when taken in conjunction with the accompanying drawings, wherein:

Figure 1 is a perspective view of the Computer Monitor and Keyboard of the preferred

embodiment of the present invention showing a computer system having a computer tower

situated behind the wall that is connected to the Writer/Authenticator Input Unit through

either a serial RS-232 or USB port; wherein the computer monitor and the computer

keyboard face the cardholder so he/she can input his/her emergency/medical data onto the

smart chip;

Figure 2 is a perspective view of the Writer/Authenticator Input Unit of the present

invention for use either with a credit card having a magnetic strip and a smart chip, or a

personal ID card with a smart chip. The smart chip can be filled by utilizing the

Writer/Authenticator Input Unit as a stand along or with the aid of the computer. If

emergency/medical data is preferred not to be included in the chip, the Writer/Authenticator

Input Unit can be operated as a stand alone unit without utilizing the computer; ^{il" IL}Figϋre^"^"ϊs"a perspective ^"view of the Vendor/Cardholder Authenticator Input Unit

stand of the present invention showing a first side wall of the Vendor Unit that faces the

vendor, or if used in testing facilities, the examiner. The stand encapsulates all the wirings

and connectivity to both sidewalls along with the credit card terminal line, phone line,

electrical wires and Ethernet cable connections to LAN or WAN;

Figure 4 is a perspective view of the Vendor/Cardholder Authenticator Input Unit

stand of the present invention showing a second side wall of the Cardholder Input Unit for

the user for authentication of the cardholder;

Figure 5 is a perspective view of the Vendor Unit of the present invention showing

the vendor side having an LCD screen, a pair of information light indicators, and a bypass

^■'^■ function key. This unit of the present invention intercepts the customer's transaction

submitted via the credit card terminal. Upon authenticating the cardholder to the card,

releases the transmitted transaction to the credit card company. The LCD screen facing the

vendor shows the^" cardholder picture and credit card number along with expiration date. The

red indicator light shows the cardholder has failed the authentication or the card has expired,

while the green indicator light shows that information exists on the smart chip and the

cardholder has been authenticated. Once authentication is complete, the transmitted

transaction is automatically released. The bypass switch of the Vendor/Cardholder Unit is

for such time as authentication is of no concern; Figure 6 is a perspective view of the Cardholder Input Unit of the present invention

showing the Cardholder Input Unit that faces the cardholder, having a fingerprint scanner,

a hand pad section with finger orientation and corresponding numbers, a code input section,

a pair of info light indicators, and a card slot. The cardholder after the card was swiped or

inserted though the credit card terminal, inserts the same card into the slot, assuming the

smart chip contains authentication data (fingerprint, picture, personal code), the screen on

the vendor side will display the picture with the card number and expiration date of the

cardholder. The lit finger digits on the cardholder side will indicate the fingers that can be

used for authentication. The cardholder can choose any of the lit fingers for authentication.

However, if the cardholder mistakenly scans the wrong finger, the unit will search all the

stored fingerprints for a match. If the cardholder chooses not to use his/her fingers for

authentication, verification will rest on the user's personal code number. The picture of the

owner of the card and the credit card number along with the expiration date will be displayed

on the vendor side for vendor's reassurance. If the date has expired, or finger or code, do not

match, the red light will turn on;

Figure 7 is a front perspective view of the handheld Emergency Reader Unit of the

present invention showing the Emergency Reader which is a battery-operated unit having an

LCD screen, a pair of info lights, and a scroller button. Emergency personnel, when

immediate medical information is needed, can obtain the credit card and insert it in their

Emergency hand-held unit and read the vital medical information that is on the card, (blood type, RH +or- type) medical problems, allergies to medication, doctor's telephone number,

etc. With this information treatment can commence immediately and lives can be saved. The

scroll button moves the LCD screen up and down for reading all data;

Figure 8 is a rear perspective view of the Emergency Reader Handheld Unit of the

present invention showing the Emergency Reader Handheld Unit having a rear wall with a

battery cover, and a battery compartment for receiving batteries therein;

Figure 9 is a schematic representation of the authentication system of the present

invention showing a first flow chart using the Writer/Authenticator Input Unit for the initial

processing and operational steps for use by the cardholder or issuer of an Identity credential

to achieve the user's biometric/personal data and verification;

Figure 10 is a schematic representation of the authentication system of the present

invention showing a second flow chart using the Writer/Authenticator Input Unit for the

initial processing and operational steps by a user or issuer of an Identity of credential to

achieve the user's biometric/personal data input;

Figure 11 is a schematic representation of the authentication system of the present

invention showing a third flow chart using the Writer/Authenticator Input Unit for the initial

processing and operational steps by a user or issuer of an Identity credential to achieve user

input authentication for the fingerprint menu mode;

figure 12 is a schematic representation of the authentication system of the present

invention showing a fourth flow chart using the Writer/Authenticator Input Unit for the

initial processing and operational steps by a user or issuer of an Identity credential to achieve

the taking and saving a preferred picture by following the picture menu mode;

Figure 13 is schematic representation of the authentication system of the present

invention showing a fifth flow chart using the Writer/Authenticator Input Unit for processing

additional multiple layers of security operational steps by a cardholder to achieve user

authentication for the Personal Codes/Pin menu mode;

Figure 14 is schematic representation of the authenticator system of the present

invention showing a sixth flow chart using the Writer/Authenticator Input Unit for the initial

processing and operational steps by a cardholder to achieve user authentication for the

personal and medical information menu mode; and

Figure 15 is schematic representation of the authenticator system of the present

invention showing a seventh flow chart using the Writer/Authenticator Input Unit for the

initial processing and operational steps by a cardholder to achieve user authentication for

copying biometric and personal information from one credit card to another though the Copy

Card menu.

Figures 11 through Figure 15 of the present invention show that all input information

on the chip can be uploaded to data servers through the Writer/Authenticator Input Unit by

pressing the upload switch if the cardholder's desires. ^ικ "-DEt MIMD" MstΗWtβN OF THE PREFERRED EMBODIMENT

The authentication self service system 10 for purchases by a credit card or by an ATM

Card 12 and its component devices of the preferred embodiment of the present invention are

represented in detail by Figures 1 through 8 of the patent drawings. The method 1000 of

utilizing the authentication system 10 having various processing and operational steps are

disclosed in the preferred embodiment of the present invention and is represented in detail

by Figures 9 to 15 of the patent drawings.

The authentication self service system 10 hardware includes the following component

devices: a Writer/Authenticator Input Unit 100; a Vendor/Cardholder unit 250 and 300; an

Emergency Reader unit 500; a standard computer system 20 having a computer tower 30

behind the wall, a computer monitor/screen 40 and computer keyboard 50.

The authentication system 10 uses a credit card or an ATM card 12 having a magnetic

strip and smart chip 14 or a secured personal ID card with or without magnetic strip 13

embedded within the credit card or ATM card or personal ID card 12, as shown in Figure 2

of the drawings.

The computer system 20 attached to Writer/Authenticator unit 100, as shown in Figure

1, is used for the inputting of encrypted personal data P by a user U. Such personal

data/information P can include items relating to medical history; allergies to medicine/drugs;

current pharmacological usage; doctor contacts; emergency contacts; name of parents, date

of birth, place of birth for security purposes; current name, address, city, state and phone numbers (work, home and cell); passport number, issuing country or driver license number;

email address and other pertinent personal data P. The computer system 20 will generate

various screens for the inputting of the personal data P that the user would like to input at

his/her discretion.

The Writer/Authenticator Input Unit 100, as shown in Figure 2, is a self-service unit,

used for the encrypted inputting of various processing data needed by a user U or issuer of

identity credential for the input and verification of key data to the user's smart chip 14 on the

credit card or ATM card 12. For example, the Writer/Authenticator Input Unit 100 copies

the information from magnetic strip 13 of credit card onto the smart chip 14 of the same

credit card 12; then verifies the information between the magnetic strip and smart chip. If

the smart chip has stored medical/personal information, or stored picture I and cardholder

fingerprints F; it will identify the scanned fingers and gives the cardholder choices for adding

any unsaved fingerprints F, picture I, or personal code number C, or medical/personal data

P, or copy from one credit card 12 to another.

Further, the Writer/Authenticator Input Unit 100 can take a picture/photograph image

I of the user U and inserts the photograph image I onto the smart chip 14 of credit card 12.

Additionally, the Writer/Authenticator Input Unit 100 saves user created personal codes C

onto the smart chip 14 of credit card 12, such personal codes C can include the user's

birthday, favorite number, social security number, an anniversary date. The

Writer/Authenticator input unit 100 also contains an upload data function key 228 to upload all inputted information P to the computer system 20 and or LAN / WAN servers from the

user's smart chip 14 on credit card 12. After pressing the upload button, the screen will ask

to confirm by pressing the [*] key for "yes" or [#] key for "no". Also, the

Writer/Authenticator Input Unit 100 is able to communicate to the user U in multiple

languages L (at least three (3) languages) such as English, Spanish and Chinese. Each of the

aforementioned modes M on the Writer/Authenticator Input Unit 100 has its own menu

function keys that guides the user U via an LCD screen 120 on the Writer/Authenticator

Input Unit 100. These menu function keys include a language function key 124; a fingerprint

function key 128; a photograph/picture function key 132; a codes function key 216; a

personal information function key 136; a save function key 140; an exit/quit function key

144; and a copy card function key 147; The user U has the option of adding one or all of the

previously mentioned menu functions.

As shown in Figure 2, the Writer/Authenticator Input Unit 100 includes a unit housing

102 being substantially rectangular shaped. The unit housing 102 includes a front panel cover

104 having multiple openings 106 for receiving various processing menu keys function

lights, camera, and flashlight, and the like. Side walls 108, 110, 1 12 and 114 and a back wall

116 which contains ports (RS-232, USB, RJ45, RJ9 phone jack) for forming an interior

compartment 118. The front panel cover 104 of Writer/Authenticator Input Unit 100 includes

an LCD screen 120, a language function key 124 having a function in-use green light indicator

126, a fingerprint function key 128 having a function in-use green light indicator 130, apicture function key 132 having a function in-use green light indicator 134, a personal info function key

136 having a function in-use green light indicator 138, a save function key 140 having a function

in-use green light indicator 142, a quit (exit) function key 144 having a function in-use green light

indicator 146, and a copy card function key 147 having a function in-use green light indicator

148. Further, the front panel cover 104 includes a fingeφrint pad section 150 having a pair of

handprints 152A and 152B thereon. Each of the handprints 152A and 152B includes finger

digits 154 (left thumb), 156 (index finger), 158 (middle finger), 160 (ring finger), 162 (pinky

finger); 164 (right thumb), 166 (index finger), 168 (middle finger), 170 (ring finger) and 172

(pinky finger), respectively, as shown in Figure 2 of the drawings. Each of the finger digits 154

to 172 includes a finger function key 174, 176, 178, 180, 182, 184, 186,188, 190 and 192,

respectively, thereon. Each of the finger function keys 174 to 192 has a numeric indicia thereon

where the finger function key 174 has the number " 1" thereon, the finger function key 176 has

the number "2" thereon, the finger function key 178 has the number "3" thereon, the finger

function key 180 has the number "4" thereon, the finger function key 182 has the number "5"

thereon, the finger function key 184 has the number "6" thereon, the finger function key 186 has

the number "7" thereon, the finger function key 188 has the number "8" thereon, the finger

function key 190 has the number "9" thereon, and the finger function key 192 has the number

"10" thereon. Each of the finger function keys 174 to 192 includes a function in-use green light

indicator 194 for indicating which finger has been stored in the smart chip. ^"Ad(Sitiόnaϊϊy7 as shown i*¹ Figure 2, the front panel cover 104 includes a concave indentation

compartment (well) 198 for receiving a fingerprint scanner 200 therein. The frontpanel cover 104

also has an info red light indicator (authentication processing failed) 202, an info green light

(successful verification) indicator 204, and a unit power on or off indicator 212. The front panel

cover 104 also includes a swipe credit card slot 208 and an insert smart chip card slot 210 for the

credit card or ATM card 12. Additionally, the front panel cover 104 includes a code input section

214. The code input section 214 includes a codes function key 216, a plurality of number

function keys 218 (for numbers 1, 2, 3, 4, 5, 6, 7, 8, 9 and 0), a star (*) function key 220 for

conformation purpose to indicate "yes" , and a pound (#) function key 222 for conformation

purpose to indicate "no". The code input section 214 also includes a clear function key 224,

an enter function key 226, and an upload data functionkey 228 having a function in-use greenlight

indicator 230. The info red light indicator 202 when illuminated indicates that the smart chip 14 on

credit card or ATM card 12 does not have user information, or is empty of information, or the user

information on the smart chip 14 does not match. Conversely, the info green light indicator 204

when illuminated indicates that the smart chip 14 on credit card or ATM card 12 has pertinent user

information for authentication purposes. Further, the Writer /Authenticator Input Unit 100

includes a digital camera 232 having a flash 234 built into the front panel cover 104, as depicted

in Figure 2 of the drawings. Digital camera 232 is used in conjunction with the picture function 132.

374 (right ^'ϋwmbχ ^'376 ^' (index ^'finger), 378 (middle finger), 380(ring finger) and 382 (pinky

finger), respectively, as shown in Figure 6 of the drawings. Each of the finger digits 364 to 382

includes a finger key 384, 386, 388, 390, 392, 394, 396, 398, 400 and 402, respectively, thereon.

Each of the finger function keys 384 to 402 has a numeric indicia thereon where the finger

function key 384 has the number " 1 " thereon, the finger function key 386 has the number "2"

thereon, the finger function key 388 has the number "3 " thereon, the finger function key 390 has

the number "4" thereon, the finger function key 392 has the number "5" thereon, the finger

function key 394 has the number "6" thereon, the finger function key 396 has the number "7"

thereon, the finger function key 398 has the number "8" thereon, the finger function key 400 has

the number "9" thereon, and the finger function key 402 has the number "10" thereon. Each of

the finger function keys 384 to 402 includes a function fingerprint stored green light indicator

404 for indicating which finger function key 384 to 402 has been stored in the card by the user

U. Additionally, the front panel cover 304 includes the credit card receiver slot 330 for receiving

a credit card or ATM card 12 which has smart chip 14 thereon with biometric and or security

information P.

The authentication system 10 further includes a handheld Emergency Reader Unit 500,

as shown in Figure 7, for use by emergency personnel, firemen, paramedics, police officers and

doctors at hospitals, doctors' offices and the like, in case of an accident or any kind of medical

emergency. The Emergency Reader hand-held unit 500 is battery operated using a standard 9-volt

battery or multiple AA batteries, etc. The Emergency Reader hand-held unit 500 includes a unit

19 housing 502 being substantially rectangular-shaped. The unit housing 502 includes a front panel

cover 504 having multiple opening 506 for receiving various processing menu keys, function

lights and a scroll function key 526, side walls 508, 510, 512 and 514, and a back wall 516 for

forming an interior compartment 518. The front panel cover 504 includes an LCD screen 520,

an info red light indicator 522, an info green light indicator 524, a scroll function key 526, and

a power on blue light indicator 528. The side wall 514 includes a card slot 530 for receiving the

user's card 12 having the smart chip 14 thereon. The back wall 516, as shown in Figure 8,

includes a battery opening 532 having a battery cover 534 thereon, and a battery compartment

536 within the unit's interior compartment 518. The battery compartment 536 is used to receive

standard batteries 540 such as AA batteries, AAA batteries, a 9-volt battery and the like. As

previously mentioned, the function of each red and green info light indicators 522 and 524 have

been described, such that the red info light indicator 522 when illuminated indicates that no

information is available or saved and the green info light indicator 524 when illuminated

indicates information exists on the smart chip 14 of credit card or ATM card or personal ID card

12.

20 OPERATION OF THE PRESENT INVENTION

As shown in Figures 1 through 15 of the patent drawings, the self service authentication

system 10 for using a credit card or ATM card 12, having a magnetic strip 13 and a smart chip

14 for inputs personal data, when purchasing of goods, products and/or services by a cardholder,

it operates in the following manner.

The cardholder initially uses his/her credit card or ATM card 12 to copy magnetic strip

13 information to the smart chip 14. Cardholder then can input pertinent authentication

fingerprints F, picture I, code C and personal information data P using the Writer/Authenticator

Input Unit 100.

It is understood the LCD screen 120 for the Writer/Authenticator Input Unit 100 will

always be on and will show the phrase "INSERT YOUR CARD INTO THE SLOT WITH CHIP

FACING YOU THEN PRESS THE LANGUAGE BUTTON TO CHOOSE PREFERRED

LANGUAGE". The cardholder then presses the language key 124, where the LCD screen 120

asks the user to press the numerical buttons 218 on the codes panel section 214 such as: 1)

English; 2) Spanish; or 3) Chinese. Once language number is pressed, the Writer/Authenticator

100 determines whether or not information exists on the smart chip 14 and continuous in the

preferred language.

If the Writer/Authenticator Input Unit 100 determines that the chip is empty, it will

instruct the user to swipe the card and insert into the slot 210 to copy bank data, which is on the

magnetic strip 13 to the smart chip 14 on the credit card 12. The user U then is directed to press

21 the ^"codes function key 216 and inputs the user's credit card PIN number or ATM PIN number

for authentication by using the number function key 218. (This is the only time that the ATM PIN

number is requested, because that is the only number embedded in the magnetic strip or in the

smart chip that can authenticate the cardholder). If the PINNumber does not exist, it will assume

the cardholder is the owner and will bypass authentication. The number of PIN input tries is

registered with the Writer/Authenticator Input Unit 100. The card holder is given 3 tries to input

the correct ATM PIN number, after which a message to see the manager appears on the screen

and the red light turns on. When the ATM PIN number matches to that on card, the Green light

turns on and the cardholder is instructed, through the user-friendly menu, which appears on the

LCD screen 120, to add any or all levels of securities, he/she desires for future authentication.

Figure 2 shows the Writer/Authenticator Input Unit 100. This unit allows the user to

choose and save any finger by pressing the Fingerprint Button 128 first then the finger digit

number such as 174 that has numeric indicia "1" on the handprint pad 150 which corresponds

with the left thumb, or number 186 which has a numeric indicia of "7" that corresponds with

right index finger and so on.... then placing the corresponding finger on the fingeφrint scanner

200 for scanning.

After each successful finger scan, the info green light indicator 204 will turn on,

indicating function was completed and saved on the smart chip 14. The user can

proceed to the next mode, as shown in STEP 4 (See Figure 9), where the user can either

add more fingerprints, or switch to the picture mode, or add personal code, or utilize

22 the computer to input medical/personal information, by using the fingerprint key 128,

the picture key 132, the personal code key 216, and/or the personal info key 136. The

cardholder can press the quit function key 144 to exit the system at any time.

If the info red light indicator 202 turns on, when in adding fingerprint mode, that

indicates an improper scan. The user U may try again by pressing the fingerprint button

128 and repeating the above. If the cardholder wishes not to use fingerprints for

authentication, he/she can press the code button 216, insert personal code and save it.

However, authentication without the use of fingerprint will only work when picture and

personal code exist on the same smart chip 14. Therefore, after the personal code is

entered and saved, it is recommended that the user press the Picture Button 132 and

save the picture onto the smart chip 14.

If the Writer/ Authenticator Input Unit 100 determines that fingerprints exist in

the smart chip 14, the user will be instructed to press any of the lit finger numbers on

the handprint pad 150 for authentication. If cardholder mistakenly scans the wrong

finger for authentication, the Writer/ Authenticator Input Unit 100 will search the

fingerprint database that is present on the smart chip 14 for a match (If, However, only

personal codes were previously saved on the smart chip 14, user U will be instructed

to enter the personal code number C on the number function keys 218 for

authentication). Once the cardholder is authenticated to the card, the screen will follow

STEP 4 (See Figure 9) where all saved information (by the cardholder) on the smart

23 chip 14 will be displayed on the LCD screen 120. All saved fingerprints will illuminate

on the handprint pad 150. The unlit finger digits will inform the user U of the unsaved

fingerprint.

Here again, after a successful completion of each step the green light will turn

on, conversely, if the process was not accomplished successfully, the red light will turn

on. Once a fingerprint is saved on the smart chip 14, it is permanent and can not be

overwritten or removed (picture, Personal code or medical/personal data can be altered

at the cardholder's discretion).

As shown on Figure 11, after cardholder successfully save fingerprint on the

smart chip 14, he/she can easily press the upload button 278 to send the fingerprint data

to the computer system 20 for future convenience (Step Z) at his/her discretion. To

avoid mistakenly uploading, the LCD screen 120 will ask if the cardholder is sure by

pressing Star [*] for "yes" or pound [#] for "no". Also, if the cardholder wishes to

copy inputted data from one credit card to another, he/she presses the Card Copy

function key 147 and follows Figure 15 for STEP 19 to 24. As shown on the last STEP

Z, cardholder can press upload button to send the inputted data to the LAN and WAN

servers for future convenience.

As shown in Figure 12, the user U can then select and press the photograph

function key 132 for taking the user's "head shot" picture using the digital camera 232

and flash 234 built into the Writer/ Authenticator Input Unit 100 (See Figure 2). As

24 shό'wnϊiϊ STEP ^"l l^", the pressing of the picture function key 132 first activates the photo

function mode when ready. The user again presses the picture function key 132 for

taking the user's photograph I, where then the user presses the save function key 140

to save the photograph I. Optionally, if the user U does not like the photograph, the

user U presses the picture function key 132 again (he/she is given three (3) chances to

successfully take a picture I). Again, the user U presses the save function key 140 to

save the most current photograph I. The info green light indicator 204 will light up,

which indicates that the picture I have been saved successfully on the smart chip 14 of

credit card or ATM card 12. The user U can now proceed to another menu mode if

desired, or can proceed to STEP Z to upload inputted information to the WAN server

as previously described, or copy biometric and personal data to a different card.

As shown in Figure 13, the user U can then select and press the code function

key 216. The user U is now able to create or change his/her personal codes C, as

depicted in STEP 13, where then the user U presses the appropriate number function

key 218. The user then presses the enter function key 226 (shown on Figure 2) to save

the new personal code C. Once saved, this personal code is not a permanent data on

the smart chip 14 of credit card 12. It can be changed at any time by entering the

existing code when the green light turns on, and then entering the new code then

pressing the save button 140. Conversely, if the user U does not want that personal

code C just entered, the user U presses the clear function key 224 to type in another

25 personal code C. As shown in STEPS 14 and 15, when the personal code C is saved, the user

can proceed to another menu mode or press the quit function key 144 to exit and stop the

process of inputting data to the credit card or ATM card 12 or the user can precede to the last

STEP Z as previously described.

In the event that an ATM PIN number is changed by the bank, the user U can transfer

the new PESf number from the magnetic strip to the smart chip 14 by initially swiping the

magnetic strip card through 208 then inserting into slot 210. The Writer/Authenticator Input

Unit 100 will depicts a different PIN number, and will instruct the user U to be authenticated

either through fingerprint or the new PIN Number that is on the magnetic card, or personal

code as mentioned above. Once authenticated, the Writer/Authenticator Input Unit 100 will

instruct the user to input the new PIN number and press the Enter button to save the new PIN

number onto the smart chip 14.

As shown in Figure 14, the user U can select and press the personal info function key

136. The user U will then be able to input personal information and data P using the

computer system 20. As depicted in STEP 16, the computer screen 40 will be on, listing a

series of personal info questions from which the user U using the computer keyboard 50 fills

in/types in any field he/she chooses to save, such as date of birth^', doctor's phone number,

allergies, emergency contact etc. The user U then presses the save function key 140 in order

to store or overwrite any of the saved information/data P onto the smart chip 14 of credit card

or ATM card 12. As shown in STEPS 17 and STEP 18. The illumination of the green light

26 2θ4 indicates the process was successful. User U can now proceed to another menu mode,

or precede to the last STEP Z as previously described or press the quit function key 144 to

exit.

As shown in Figure 15, the user U can select and press the copy card function key 147.

The user U will then be able to input any data from the user's first credit card 12 to a user's

second credit card 12' using the original user's data P on magnetic strip 13 and smart chip

14 of original credit card 12. As depicted in STEP 19, prior to copying credit card 12, the

user must first copy the data P from magnetic strip 13 to the smart chip 14 of the original

credit card 12. Then the user U puts the first credit card 12 into card slot 210 that he/she

wishes to copy from, where then the user U authenticates the first credit card 12, by using the

fingerprint button key 128, as shown in STEP 20. The user U is now able to copy to a second

credit card 12' by pressing the copy card button/key 147, as depicted in STEP 21. Then the

user U inserts the second credit card 12' into card receiving slot 210 and then presses the

codes button 216^'and inputs a Pin Number on the numeric key 218, as shown in STEPS 22

and 23, and enters the ATM Pin Number by then pressing the enter function key 226 (see

STEP 23) of the new card 12'. As shown in STEP 24, the data processing to the second

credit card 12' has been completed. The user U can then press the copy card key 147 again

to copy yet another credit card, or press the quit function key 144 to exit the copy card menu

mode.

27 Once the user's credit card or ATM card 12 having the magnetic strip 13 and smart

card chip 14 have saved at least one fingerprint or a personal code, it is useable for

authentication for purchases of goods and services. Purchases occur in the following manner.

The Vendor/Cardholder unit for vendor 250 and for user 300 is attached to the vendor's

counter top V_c (next to the vendor's credit card terminal 246 as shown in Figure 3 and 4).

The vendor V will be facing the vendor unit 250 as shown in Figure 3 and the user/customer U will

be facing the opposite side of the counter top V_c of Vendor/Cardholder Unit for user 300 shown

in Figure 4. Connection electrical and phone wires (not shown) are connected to each of

Vendor/Cardholder units 250 and 300 internal to the stand 240 in order to communicate with

each other. When a customer/user U finishes his/her shopping, the user's credit card or ATM

card 12 is swiped in the credit card terminal 246 in the normal manner. The Vendor/Cardholder

unit 250 and 300 will electronically intercept the transmission of the credit card or ATM card

transaction, the user U inserts same credit card or ATM card 12 with the smart chip 14 facing up,

into the insert slot 330. Once inserted, if the red light turns on, it indicates that there is no

authenticating information on the smart chip 14. If the green light turns on, it indicates the

existence of authentication information. Simultaneously, the cardholder's picture will appear on

the screen facing the vender along with the credit card number and expiration date.

Vendor/Cardholder 250 has the capability of scanning and saving both fingerprints and codes to

the smart chip. If attached to the computer system 20, the personal data P can also be inserted,

this function is up to the vendor's V discretion.

28 "^"A's shown on Kgύres 3^™ancf 4, the vendor V has several security options in which to

review and authorize a transaction. For example, the vendor V can view the user's photo/picture

image I on the LCD screen 270 of the Vendor/Cardholder unit for vendor 250 if the "photo I"

was stored on the smart chip 14 of credit card along with the credit card number and expiration

date to compare with the transaction receipt or ATM card 12. Vendor at his/her own discretion

can press the bypass button 278, after viewing the cardholder picture and expiration date to

expedite the transaction. Also, the customer/user can view what fingers 364 to 382 have their

corresponding fingerprint(s) F saved on the smart chip 14 which will light up a green color,

as shown in Figure 6. The user clicks on any of the lit finger keys 384 to 402 and scans the

particular finger with the fingerprint scanner device 322 on the Vendor/Cardholder unit 300.

If the scanned fingerprint F matches the fingerprint F saved on the smart chip 14 of credit

card or ATM card 12, the info green light indicator 274 and 334 will be illuminated again on

each side of Vendor /Cardholder units 250 and 300, respectively, as such the vendor V will

set the transaction to proceed to completion. If the fingerprint F does not match, the info red

light indicators 272 and 332 will light up on each side of Vendor/Cardholder units 250 and

300, respectively. The customer U can now try another finger, as he/she might have a cut or

dirty finger, the user can change the menu mode to use an inputted code instead. In the event

that Writer/Authenticator Input Unit 100 is not available, the Vendor/Cardholder Unit 300

can scan and save the fmgerprint(s) to the chip 14 along with personal code C with the

vendor V supervising the input. The vendor V can also attach a computer system 20 to the

29 unit 300 at his/her discretion for additional tasks.

As shown in Figure 7, the Emergency hand-held unit is operated by inserting the

cardholder credit card with the smart chip 14 facing up. Once the card 12 is inserted, the unit will

turn on and the light 528 will stay on as long as the card is in. If the red light turns on, it indicates

there is no medical data on the smart chip 14. However, if the green light turns on, it indicates

that information is present in the smart chip 14, and all vital medical data will display on the LCD

screen 520 of the hand-held Emergency Reader Unit. The scroll button 526 is for scrolling the

data on the screen 520. This unit will only read and show the medical/personal information. It

will not display any bank's information.

30 "^y^Mβff QF THE PRESENT INYENTTON

Accordingly, an advantage of the present invention is that it provides for an authentication

system for the authorization of a transaction using a credit card or ATM card which allows the

user to select or input multiple layers of security protection totally at the discretion of the

cardholder utilizing the self-service Writer/Authenticator Input Unit. Thus elevating the credit

card functionality to one that could in an emergency save the cardholder's life.

Another advantage of the present invention is that it provides an authentication system

that has the features where cardholders, through the Writer/Authenticator Unit, copy the

card's magnetic strip information to the smart chip, scan and save multiple fingers, insert a

personal code, take their own picture and save it into the smart chip, and with the aid of the

computer and specialized software, insert their medical and emergency data into the smart

chip.

Another advantage of the present invention is that the Writer/Authenticator Input Unit

is an authentication system that is a biometric comparer and verifier with a user-friendly

menu, and red and green indicator lights. It can be used as stand alone or with a computer

stationed next to it to input personal and medical information for emergency purpose.

having a Writer/Authenticator Input Unit that can search all stored fingerprints automatically

if the scanned fingerprint does not match the one stored on the chip.

31 Another advantage of the present invention is that it provides an authentication system

where the Writer/Authenticator Input Unit features a Copying method that copies stored data

from one credit card or ATM card to another by first verifying authentication then copying

the stored fingerprints, picture, code, and medical/personal data. Data inputted by issuer of

identity credential will not be copied.

Another advantage of the present invention is that it provides for an authentication

system that includes a Writer/Authenticator Input Unit, a Vendor/Cardholder unit, and an

Emergency Reader Unit, all utilizing same protocol and with provision of adding other

protocols;

system that integrates and engages with the security database that is on LAN or WAN

servers.

Another advantage of the present invention is that it provides an Emergency hand-held

unit that emergency personal can obtain the credit card, insert into the Emergency Reader

Unit and obtain all the vital medical information that could save the cardholder' s life without

the capability of viewing any bank information.

system that can be used by the public in such locations as retailers/department stores, banks,

schools, lab testing facilities, office buildings, computer rooms, government agencies, the

military branches, emergency personnel such as police officer, paramedics, firemen, doctors

32 at hospitals, ambulance providers, medical end-users and the like.

system that provides for a Vendor/Cardholder unit that has the features of a reader, a scanner, a

LCD screen that shows the picture of the cardholder with the credit card number and expiration

date, a data interceptor, a biometric comparer, and fingeφrint and personal code writer, a verifier

and a system bypass. Card holder can continue using his/her card that has been used thus farwith.

magnetic strip on it;

Another advantage of the present invention is that the cardholder is the sole proprietor of

his card with all biometric and personal information unless he/she personally authorizes the

upload of such information.

system that can be mass produced in an automated and economical manner and is readily

affordable for the vendor.

A latitude of modification;, change, and substitution is intended in the foregoing

disclosure, and in some instances, some features of the invention will be employed without a

corresponding use of other features. Accordingly, it is appropriate that the appended claims be

construed broadly and in a manner consistent with the spirit and scope of the invention herein.

33

Claims

WHAT IS CLAIMED IS:

1. A method of using an Authentication System for the authorization of a

transaction using a credit card, an ATM card or a secured personal ID card (hereinafter "a

card"), whereas the Authentication System includes a Writer/Authenticator Self-Service

Input Unit, and a Computer System, the method comprising the steps of:

a) inserting a card into a card slot of said Writer/Authenticator Input Unit for

activating said Writer/Authenticator Input Unit;

b) activating a language function key for choosing a preferred language;

c) activating one or more fingers of the user on the fingers of a fingerprint pad of said

Writer/Authenticator Input Unit;

d) inputting a personal code on a code input section of said Writer/Authenticator

Input Unit wherein said personal code was previously saved on said card;

e) inputting additional authorization information into said Writer/Authorization Input

Unit by the user by activating one or more of the following menu function modes:

i) a fingerprint function key to add more fingerprints of the user for

additional security;

ii) a picture taking function key to add the user's picture for additional

security;

iii) a personal code function key to add the user's personal code for

additional security; and/or

34 iv) a personal information function key to add the user's personal and

medical information for additional security using said Computer System;

for allowing the user to select and add one or more additional layers of security authorization

protection to said card; and

f) exiting said Writer/Authenticator Input Unit by activating a quit function key and

removing the user's card from the Writer/Authenticator Input Unit.

2. A method of using an Authentication System for the authorization of a

transaction using a card having a smart chip selected from the group consisting of a credit

card, an ATM card or a secured personal ID card (hereinafter "a card"), wherein the

Authentication System includes a Writer/Authenticator Input Unit, a Cardholder Input Unit,

a Vendor Unit, and a Computer System, the method comprising the steps of:

a) swiping said card within a swiping slot of a Writer/Authenticator Input Unit

and then inserting said card into a card slot of said Writer/Authenticator Input Unit for

activating said Writer/Authenticator Input Unit in order to input additional security data of

the user onto said smart chip of said card;

b) activating a language function key on said Writer/Authenticator Input Unit for

choosing a preferred language;

35 c) entering the user's ATM pin number onto a code input section of said

Writer/Authenticator Input Unit for authentication purposes in order to allow the user to use

said Authentication System;

d) inputting additional authorization information into said Writer/Authenticator

Input Unit as desired by the user for adding additional security by activating one or more

menu function modes:

i) a fingerprint function key to add more fingerprints of the user for additional

security;

ii) a picture taking function key to add the user's picture for additional

security;

iii) a personal code function key to add the user's personal code for additional

security; and/or

iv) a personal information function key to add the user' s personal information

for additional security in using said Computer System;

for allowing the user to select and add one or more additional modes of security authorization

protection to said user's card;

e) exiting said Writer/Authenticator Input Unit by activating a quit function key

and removing the user's card from the Writer/Authenticator Input Unit;

f) inserting said card into said Cardholder Input Unit to authenticate the

Cardholder; and

36 g) observing and authorizing use of said card by said Vendor Unit.

3. A method of using an Authentication System of Claim 2, comprising the steps of:

a) inserting said transaction card into said Cardholder Input Unit;

b) initiating the authorization process of a particular transaction;

c) viewing one or more lighted finger keys on each of the left and right handprints

in order for the authorized user to determine what fingers have corresponding fingerprints

saved on said transaction card;

d) scanning one or more of the authorized user's fingerprints on a fingerprint

scanner device for authorizing said particular transaction;

e) observing a first light indicator for indicating a successful fingerprint scan or

observing a second light indicator for an unsuccessful fingerprint scan;

f) activating said code function key for inputting a preselected authorized code

on a plurality of function keys;

g) activating an enter function key for authorizing said authorized code for said

particular transaction; and

h) observing said first light indicator for indicating a successful code number

entry or observing said second light indicator for indicating an unsuccessful code number

entry.

37

4. A method of using an Authentication System of Claim 2, comprising the steps of:

a) observing a photo image (head shot) on an LCD screen of said authorized user

by said vendor on said Vendor Unit;

b) viewing the card number on said LCD screen by said vendor;

c) observing said first light indicator for indicating a successful fingerprint scan

or observing said second light indicator for an unsuccessful fingerprint scan;

d) viewing the expiration date on said LCD screen by said vendor; and

e) observing said first light indicator for indicating a successful code number

entry.

5. A method of using an Authentication System for the verification of information

to a medical emergency response using a credit card, an ATM card or a secured personal ID

card (hereinafter "a transaction card") from a user, whereas the Authentication System

includes a Writer Authenticator Input Unit, a Computer System, and an Emergency Reader

Handheld Unit, the method comprising the steps of:

a) inserting a transaction card into a card slot of said Writer/ Authenticator Input

Unit for activating said Writer/Authenticator Input Unit;

b) inputting personal medical data and information by the user into said

transaction card using said Computer System;

38 c) activating a personal information function key on said Writer/Authenticator

Input Unit to transfer the user's personal medical data from said Computer System to said

Writer/Authenticator Input Unit;

d) inserting said transaction card by emergency personnel into a card reader slot

on said Emergency Reader Handheld Unit after a medical emergency has occurred to the

authorized user in order for said emergency personnel to render medical aid; and

e) activating a display function key for reviewing said user's medical data and

information on an LCD screen on said Emergency Reader Handheld Unit by said emergency

personnel for medical treatment of said user.

6. An authentication system for the authorization of a transaction card, such as a

credit card, an ATM card or a secured personal ID card by a user, comprising:

a) a computer system for inputting personal data and information of the user to said

transaction card;^'

b) a writer authenticator input unit for encrypting said personal data and information

of said user into said transaction card for security purposes; said transaction card is defined

to include a credit card, an ATM card or a secured personal ID card;

c) a cardholder input unit for the user to insert said transaction card of the user to

conduct a transaction; and

39 d) a vendor unit for use by a vendor for verifying the personal data and information

of the user when using said transaction card for completing a transaction.

7. An authentication system for authorization of a transaction in accordance with

Claim 6, wherein said writer authenticator input unit includes an input unit housing.

8. An authentication system for authorization of a transaction in accordance with

Claim 7, wherein said input unit housing includes a front panel cover having multiple

openings, side walls, and a back wall for forming an interior compartment.

9. An authentication system for authorization of a transaction in accordance with

Claim 8, wherein said front panel cover includes an LCD screen, a language function key,

a fingerprint function key, a picture taking function key, a personal information function key,

a save function key, an exit-quit function key and a copy card function key for initiating

various processing modes on said writer authenticator input unit.

10. An authentication system for authorization of a transaction in accordance with

Claim 9, wherein each of said function keys includes a function in-use green light indicator

for indicating which of said function keys are being used on said writer authenticator input

unit.

40

11. An authentication system for authorization of a transaction in accordance with

Claim 8, wherein said front panel cover includes a finger pad section having a pair of left and

right handprints thereon.

12. An authentication system for authorization of a transaction in accordance with

Claim 11 , wherein each of said left and right handprints include five finger digits.

13. An authentication system for authorization of a transaction in accordance with

Claim 12, wherein each of said finger digits includes a finger function key thereon,

respectively.

14. An authentication system for authorization of a transaction in accordance with

Claim 13 , wherein each of said finger function keys include a numeric indicia thereon having

a light indicator thereon for representing finger digits " 1 " through "10" being used, allowing

the user to match fingerprints of an authorized user.

15. An authentication system for authorization of a transaction in accordance with

Claim 8, wherein said front panel cover includes a scanner compartment for receiving a

fingerprint scanner therein for scanning and storing fingerprints of said authorized user.

41

16. An authentication system for authorization of a transaction in accordance with

Claim 8, wherein said front panel cover includes a first light indicator for indicating an

authentication processing failure; a second light indicator for indicating a successful

processing verification, and a unit power on/off indicator.

17. An authentication system for authorization of a transaction in accordance with

Claim 8, wherein said front panel cover includes a swipe credit card slot and an insert smart

chip card slot for receiving said transaction card therethrough.

18. An authentication system for authorization of a transaction in accordance with

Claim 10, wherein said front panel cover includes a code input section having a code

function key, a plurality of number function keys, a star ( * ) function key, a pound ( # )

function key, a clear function key, an enter function key and an upload data function key

having said function in-use green light indicator being adjacent thereto; said code input

section for inputting of personal numeric codes to said transaction card.

19. An authentication system for authorization of a transaction in accordance with

Claim 8, wherein said front panel cover includes a digital camera having a flash member

being built into said interior compartment of said input unit housing for taking a head shot

of said authorized user.

42

20. An authentication system for authorization of a transaction in accordance with

Claim 8, wherein said back wall includes an RS-232 port, a USB port, an RJ45 port and an

RJ9 phone jack for interfacing with said computer system.

21. An authentication system for authorization of a transaction in accordance with

Claim 6, wherein said vendor unit for said vendor includes a vendor housing.

22. An authentication system for authorization of a transaction in accordance with

Claim 21 , wherein said vendor housing includes a front vendor panel cover having multiple

openings, side walls and a back wall for forming an interior vendor compartment.

23. An authentication system for authorization of a transaction in accordance with

Claim 22, wherein said front vendor panel cover includes an LCD vendor screen, an info red

light indicator, ari info green light indicator, and a bypass function key having a function in-

use green light indicator.

24. An authentication system for authorization of a transaction in accordance with

Claim 6, wherein said cardholder input unit for said authorized users includes a cardholder

housing.

43

25. An authentication system for authorization of a transaction in accordance with

Claim 24, wherein said cardholder housing includes a front user panel cover having multiple

openings, side walls and a back wall for forming an interior user compartment.

26. An authentication system for authorization of a transaction in accordance with

Claim 25, wherein said front user panel cover includes a scanner user compartment for

receiving a user fingerprint scanner therein for scanning and storing the fingerprints of said

authorized user.

27. An authentication system for authorization of a transaction in accordance with

Claim 25, wherein said front user panel cover includes a credit card receiver slot for

receiving said transaction card therein, an info red light indicator and an info green light

indicator.

28. An authentication system for authorization of a transaction in accordance with

Claim 25, wherein said front user panel cover includes a code input user section having a

code function key, a plurality of number function keys, a star ( * ) function key, a pound ( #)

function key, a clear function key and an enter function key for initiating said transaction

card authorization process.

44

29. An authentication system for authorization of a transaction in accordance with

Claim 25, wherein said front user panel cover includes a user finger pad section having a pair

of left and right handprints thereon.

30. An authentication system for authorization of a transaction in accordance with

Claim 29, wherein each of said left and right handprints include five finger digits.

31. An authentication system for authorization of a transaction in accordance with

Claim 30, wherein each of said finger digits includes a user finger function key thereon.

32. An authentication system for authorization of a transaction in accordance with

Claim 31, wherein each of said user finger function keys include a numeric indicia thereon

having a function in-use green light indicator thereon for representing finger digits "1"

through "10" being used, allowing the user to match fingerprints of said authorized user.

33. An authentication system for authorization of a transaction in accordance with

Claim 25, including means for copying fingerprints from one transaction card to another.

45

34. An authentication system for authorization of a transaction in accordance with.

Claim 33, wherein said authentication system further includes a counter stand for holding

said vendor input unit and said cardholder input unit therein.

35. An authentication system for authorization of a transaction in accordance with

Claim 34, wherein said counter stand is trapezoidally-shaped and includes a first side wall

facing said vendor having a first insert compartment therein for receiving said vendor unit

therein, and includes a second side wall facing said authorized user having a second insert

compartment therein for receiving said cardholder input unit therein.

36. An authentication system for authorization of a transaction in accordance with

Claim 35, wherein said vendor input unit and said cardholder input unit are electronically

interconnected using internal connection wires within said counter stand for interfacing with

each other by intercepting the transaction data sent by the credit card terminal in order to

verify the authenticity of said Cardholder.

37. An authentication system for authorization of a transaction in accordance with

Claim 6, wherein said computer system includes a computer tower, a computer monitor and

a computer keyboard for interfacing with said writer authenticator input unit.

46

38. An authentication system for the verification of information to a medical

emergency response using a credit card, an ATM card or a secured personal ID card

(hereinafter "a transaction card") from a user, comprising:

a) a computer system for the inputting of personal medical data and information

by the user to said transaction card;

b) a writer authenticator input unit for inputting and encrypting of personal

medical data and information of said user to said transaction card for medical emergency

purposes; and

c) an emergency reader handheld unit for use by emergency personnel including

firemen, paramedics, police officers, doctors, hospitals, or any other kind of medical

emergency in which to read and verify the personal medical data and information of said user

from said transaction card.

39. An authentication system for the viewing of vital medical information in

accordance with Claim 38, wherein said emergency reader handheld unit includes a reader

housing.

47

40. An authentication system for the verification of information to a medical

response in accordance with Claim 39, wherein said reader housing includes a front reader

panel cover having multiple openings, side walls and a back wall for forming an interior

reader compartment.

41. An authentication system for the verification of information to a medical

response in accordance with Claim 40, wherein said front reader panel cover includes an

LCD screen, an info red light indicator, an info green light indicator, a scroll function key

and a function in-use blue light indicator.

42. An authentication system for the verification of information to a medical

response in accordance with Claim 40, wherein one of said side walls includes a reader card

slot for receiving said transaction card of said user.

43. An authentication system for the verification of information to a medical

response in accordance with Claim 40, wherein said back wall includes a battery opening

having a battery cover thereon, and a battery compartment within said interior reader

compartment.

48

44. An authentication system for the verification of information to a medical

response in accordance with Claim 43, wherein said battery compartment is used to receive

standard batteries such as AA batteries, AAA batteries or a 9 volt battery for powering of

said emergency reader handheld unit.

49