EP1454287A4 - Secure recognition financial transactor - Google Patents

Secure recognition financial transactor

Info

Publication number
EP1454287A4
EP1454287A4 EP98939144A EP98939144A EP1454287A4 EP 1454287 A4 EP1454287 A4 EP 1454287A4 EP 98939144 A EP98939144 A EP 98939144A EP 98939144 A EP98939144 A EP 98939144A EP 1454287 A4 EP1454287 A4 EP 1454287A4
Authority
EP
European Patent Office
Prior art keywords
transactor
financial account
physical characteristic
person
characteristic data
Prior art date
Legal status (The legal status 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 status listed.)
Withdrawn
Application number
EP98939144A
Other languages
German (de)
French (fr)
Other versions
EP1454287A2 (en
Inventor
Stewart M Mann
L Maribel Mann
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
SPRING TECHNOLOGIES Inc
Original Assignee
SPRING TECHNOLOGIES Inc
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 SPRING TECHNOLOGIES Inc filed Critical SPRING TECHNOLOGIES Inc
Publication of EP1454287A2 publication Critical patent/EP1454287A2/en
Publication of EP1454287A4 publication Critical patent/EP1454287A4/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/342—Cards defining paid or billed services or quantities
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07B—TICKET-ISSUING APPARATUS; FARE-REGISTERING APPARATUS; FRANKING APPARATUS
    • G07B15/00—Arrangements or apparatus for collecting fares, tolls or entrance fees at one or more control points
    • 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
    • G07C9/27—Individual registration on entry or exit involving the use of a pass with central registration
    • 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
    • G07C9/30—Individual registration on entry or exit not involving the use of a pass
    • G07C9/32—Individual registration on entry or exit not involving the use of a pass in combination with an identity check
    • G07C9/37—Individual registration on entry or exit not involving the use of a pass in combination with an identity check using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/02—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices
    • G07F7/025—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by keys or other credit registering devices by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered

Definitions

  • This invention relates to the field of secured financial transactions and to personal identification.
  • 5,581,630 discloses a portable optical media card as the integral feature, working with various
  • any portable instrument remains the target of fraud.
  • transactions includes; an electronic storage site for storage and retrieval of previously recorded stable physical characteristic data corresponding to stable physical characteristics of a person; an electronic storage site for storage and retrieval of financial, credit, banking and service related
  • a second input device for capturing different physical characteristic data from a separate
  • an encoder connected to said input device for encoding said captured
  • a comparator connected to said storage site for determining a degree of correspondence between said compressed format physical characteristic data and said previously recorded stable physical characteristic data residing in the storage site; a communications circuit connected to said comparator and connected to said storage site for financial data allowing electronic interface with one or more said financial accounts when said captured stable physical characteristic data meets a predetermined degree of correspondence with said previously recorded stored stable physical characteristic data residing in the storage site; a visual display with attached manipulator connected to said communications circuit and connected to said storage site for financial data permitting the person to communicate interactively with one
  • a transaction completion circuit connected to said display and said manipulator and connected to said storage site for financial data for allowing completion of a transaction when said interfaced person selects a financial account in which sufficient resources
  • the image scanner captures real time stable physical characteristic data reflecting one or a plurality of stable physical characteristics of a person such as features of the iris of the eye, eye retinal pattern, fingerprint, palm print, full facial image, body thermal image, voice print, or
  • Verification of personal identification includes capturing the real time image directly from
  • Such transactions may be directed to or made in selected time.zones. The costs associated with processing these transactions will be reduced for the user, merchant or service company as well as the financial institution.
  • an object of this invention to provide secure financial transactions at the point of sale, at unattended locations, at the point of receipt for goods or services, or at a
  • An additional objective is to reduce the costs of facilitating such transactions.
  • a further objective is to provide an advantageous method for reservation, registration and
  • FIG. 1 is a flow diagram of the transactor in use at the point of sale.
  • FIG. 2 is a flow diagram of the transactor in use at an unattended location.
  • FIG. 3 is a flow diagram of the system in use at the point of receipt of services at an airport.
  • FIG. 4 is a flow diagram of the system in use at the point of receipt of services at a hotel.
  • FIG. 1 illustrates the invention in use at the point of sale for goods or services.
  • the amount of the sale is entered (Step 1 ) .
  • the person looks into the imager for an eye iris scan,
  • Step 2 This real time image is encoded (Step 3) and transmitted for comparison (Step 4 ).
  • An option is to capture a second, different physical
  • Step 5 characteristic for comparison for enhanced security ( Step 5 ) which will be encoded ( Step 3 )
  • Step 5 may be mandated, initiated at random, or may occur as a
  • the first data comparison was acceptable, it did not achieve the higher end of a predetermined
  • Step 7 not allow access to the financial interface
  • Step 6 Upon favorable identification (Step 6) visual interface opens with an acknowledgnment
  • Step 8 The option of credit account (Step 9) displays a selection of those accounts available to the person, i.e. American Express, VISA, Mastercard or Discover.
  • Option of bank account ( Step 10 ) displays a selection of vario ' us accounts with various banking institutions from which the person is authorized to transact. Selection of the desired account at Step 9 or Step 10 leads to confirmation of both the amount of the transaction and the payee ( Step 11 and Step 12 ).
  • the limitations are then checked ( Step 13) and the transaction completes as long as credit limits are not exceeded ( Step 1 ). If the transaction is for or includes a cash withdrawal the cash is authorized or received (Step 20). In the event that credit limits are exceeded at Step 13 the
  • Step 15 customer is queried for choice of an alternate credit account. If an alternate account is desired and available the customer is returned to Step 8. If no alternate account is desired or is unavailable the transaction is terminated and customer is queried for additional transactions ( Step 16
  • Step 21 If an additional transaction is desired the customer is returned to Step 8. If no additional transaction is desired the customer is returned to Step 8. If no additional transaction is desired the customer is returned to Step 8. If no additional transaction is desired the customer is returned to Step 8. If no additional transaction is desired the customer is returned to Step 8. If no additional transaction is desired the customer is returned to Step 8. If no additional transaction is desired the customer is returned to Step 8. If no additional transaction is desired the customer is returned to Step 8. If no additional transaction is desired.
  • Step 12 When in the bank account sequence the amount of the transaction and the payee are confirmed ( Step 12 ). Availability of funds in the account are checked ( Step 14 ) and can include provisions for and notification of overdraft status and protection. When the amount of the
  • Step 20 If the transaction is for or includes a cash withdrawal the cash is authorized or received (Step 20). If the transaction is for or includes a cash withdrawal the cash is authorized or received (Step 20). If the transaction is for or includes a cash withdrawal the cash is authorized or received (Step 20). If the transaction is for or includes a cash withdrawal the cash is authorized or received (Step 20). If the transaction is for or includes a cash withdrawal the cash is authorized or received (Step 20). If
  • Step 16 When an alternate account is desired and available the customer is
  • Step 18 the customer is queried for an additional transaction ( Step 21 ). If desired the customer is returned to Step 8. If an additional transaction is not desired the access to financial interface is terminated ( Step 22 ).
  • An alternative at Step 8 is to allow transfer of funds between accounts.
  • a credit account position could be improved upon immediately by real time transfer of funds from a bank account into the deficient credit acount.
  • the reverse could be available and beneficial when a credit account was used to rectify a bank balance. Transferring bank account to bank account and using one credit account to pay another credit account would also be available.
  • a further alternative at Step 8 is to allow for cash withdrawal from the service or merchant.
  • Such a cash transaction could be selected exclusively, or in conjunction with a primary
  • Step 20 the cash feature would be followed by the steps previously described and, depending upon fund availability in the account, the cash disbursement would be authorized ( Step 20 ).
  • option is the opporunity to provide a customer with an assessment of financial risk position
  • FIG. 2 illustrates the transactor in use at an unattended location as it incorporates the cash
  • the user interfaces with the imager to begin identification (Step 2).
  • the image is encoded (Step 3) and compared (step 4).
  • the option to capture a second, different physical characteristic for comparison is available (Step 5). It is encoded (Step 3) and compared (Step 4). Step 5 may be mandated, initiated at random, or may occur as a consequence of the degree of correspondence of the first comparison. If favorable identification is not achieved the system is cancelled and does not allow access to the financial interface (Step 7).
  • Step 6 Gaining access to the financial interface with an acknowledgment and query for financial accounts and/or services desired (Step 23).
  • the desired transaction is simply a cash withdrawal the person so indicates by selecting cash express and choosing from a credit account or a bank deposit account at Step 23.
  • a credit account or a bank deposit account at Step 23.
  • one or a variety of such accounts will appear for display and selection (Step 9 and Step 10). If a person desires direct access to credit or bank
  • Step 23 accounts for transferring or otherwise manipulating funds, they so select at Step 23.
  • One or a pluraUty of these accounts will appear, respectively, (Step 9 and Step 10). Thereafter the person
  • Step 23 may be instructed to choose between credit accounts or bank accounts on which to pay for the service.
  • One or a variety of respective credit or bank accounts will appear for selection
  • Step 24 and Step 25 will be entered and/or confirmed with the respective credit account or bank account transaction (Step 24 and Step 25).
  • the limitations are checked (Step 13) and the transaction completes (Step 19) as long as credit limits are not, exceeded. If the transaction is for cash withdrawal the cash is received (Step 20). If credit limits are exceeded at Step 13 the customer is queried for choice of an alternate account (Step 15). If an alternate account is desired and available the customer is returned to Step 23. If no alternate is desired, or is unavailable, the transaction is terminated (Step 17) and the customer is queried for additional transactions (Step 21). If an additional transaction is desired the customer is returned to Step 23. If no additional transaction is desired the access to financial interface is terminated
  • Step 14 the availibility of funds are checked (Step 14) and may include provisions for and notification of overdraft protection and status.
  • Step 19 If the transaction is for cash withdrawal the cash is received (Step 20). If the transaction is not covered
  • Step 16 the customer is queried for an alternate account (Step 16).
  • Step 16 the customer is queried for an alternate account (Step 16).
  • Step 16 the customer is returned to Step 23. If an alternate account is desired and available the customer is returned to Step 23.
  • Step 21 If an additional transaction is desired
  • Step 23 a variety of financial and service choices are available and secure based
  • Visual display may appear on a screen as typically provided for computer use, or in a virtual reality environment with navigable routes between various available transactions and functions.
  • FIG. 3 illustrates one possible method and sequence for receipt of services when airlines was selected from Step 23 of FIG. 2.
  • the imager is interfaced (Step 2) by the person who has made the reservation.
  • the captured, real time image is encoded (Step 3) and compared (Step 4). Capture and comparison of a second, different real time image would be an option (Step 5) as previously
  • Step 6 An unacceptable identification (Step 6) cancels the system and no access is permitted (Step 7).
  • the customer may be granted access to the reservation (Step 26) and may be issued an instrument for boarding, access, or allowed direct access to a point of embarcation or directly aboard the airplane. Alternatively the customer may
  • Step 27 be given other pertinent instructions (Step 27) such as to report to a company agent, proceed to different area, or proceed to manual ticketing. Additionally, upon receipt of the reserved services,
  • Step 23 the financial account on which the services were reserved is electronically notified and
  • FIG. 4 illustrates one possible method and sequence for receipt of services at the time of
  • Step 2 Upon arrival at the hotel, or at a separate designated location, the customer interfaces the imager (Step 2). The captured real time image is encoded (Step 3) and compared (Step 4). The option for capture and comparison of a second, different real time image (Step 5) would be available as previously described in FIG. 1 and FIG. 2. If favorable identification is not achieved (Step 6) the system is cancelled and no access is allowed (Step 7). Upon favorable identification the customer is allowed access to the reservation (Step 28) and may given be registration instruments, an instrument for access to a room, a fully paid registration, or simply an electronic registration upon the prior electronic financial reservation. Alternatively, a customer may be given further instructions (Step 29) such as to proceed to desk registration, or to see the concierge.
  • FIG. 4 may alternatively be incorporated as a sub-sequence of Step 23 at FIG. 2, thereby eliminating need for check-in at the hotel because the registration is accomplished at the

Abstract

An interactive, positive recognition virtual financial account transactor for use in financial transactions includes: an electronic storage site for physical characteristic identification data; an electronic storage site for financial data; a first input device for capturing real time physical characteristic data (2); a second input device for capturing real time physical characteristic data (5); an encoder connected to the first and the second input device (3); a comparator connected to the encoder and to the storage site for physical characteristic data (4); a communications circuit connected to the comparator; a visual display and a manipulator; and a transaction completion unit connected to the storage site for financial data and to the display and manipulator.

Description

TITLE OF THE INNENTION
SECURE RECOGNITION FINANCIAL TRANSACTOR
BACKGROUND OF THE INVENTION
This invention relates to the field of secured financial transactions and to personal identification.
Security of credit account and debit banking transactions continues to pose an escalating problem for credit issuers, banks, retailers, and various service industries. There exists a strong need to ensure that a person making a transaction is authorized to do so. Positive, real time identification and verification are essential to reduce fraud.
There exists a further need to provide that such transactions include a direct, interactive
and real time interface between the user and the financial account.
Finally, in order to provide a more permanent solution that is far less succeptable to
fraudulent efforts, there exists a compelling need to remove the instruments of fraud from the transaction. Such problems are overcome by the improvements afforded by this invention.
In the past there have been numerous efforts to improve upon the security of financial
transactions. In addressing these problems, as well as others, Walter Bonneau, Jr., U.S. Patent
5,581,630 discloses a portable optical media card as the integral feature, working with various
types of personal identification. However, the instrument of fraud, the portable card, still remains.
The card has been in the past, remains today, and will increasingly be in the future the target and
instrument of fraud. As the abihty to secure the card grows with emerging technology, the abihty
to defeat it advances proportionately due to the fact that criminals are academically as intelligent as those they prey upon. Coupled with the absolute impossibility of preventing third party participation, any portable instrument remains the target of fraud.
In a somewhat different perspective Daugman, U.S. Patent 5,291,560, in disclosing a method and system for a biometric comparison of the iris of the human eye, makes a peripheral note that such an identification might be used in conjunction with automated teller machines. The reference was far from developed, not claimed and failed to state exactly how it might be used,
causing us to assume that it would in some way enhance existing automated teller machine functions with an ATM card.
BRIEF SUMMARY OF THE INNENTION
An interactive, positive recognition virtual financial space transactor for use in financial
transactions includes; an electronic storage site for storage and retrieval of previously recorded stable physical characteristic data corresponding to stable physical characteristics of a person; an electronic storage site for storage and retrieval of financial, credit, banking and service related
data corresponding to said stored stable physical characteristic data of a person; an input device
for capturing real time stable characteristic data corresponding to a physical characteristic of a
person; a second input device for capturing different physical characteristic data from a separate
source of the same person; an encoder connected to said input device for encoding said captured
real time physical characteristic data in a compressed image format forming compressed format
stable physical characteristic data; a transmission circuit for transmission of said captured stable
physical characteristic data to a comparator; a comparator connected to said storage site for determining a degree of correspondence between said compressed format physical characteristic data and said previously recorded stable physical characteristic data residing in the storage site; a communications circuit connected to said comparator and connected to said storage site for financial data allowing electronic interface with one or more said financial accounts when said captured stable physical characteristic data meets a predetermined degree of correspondence with said previously recorded stored stable physical characteristic data residing in the storage site; a visual display with attached manipulator connected to said communications circuit and connected to said storage site for financial data permitting the person to communicate interactively with one
or more financial accounts; a transaction completion circuit connected to said display and said manipulator and connected to said storage site for financial data for allowing completion of a transaction when said interfaced person selects a financial account in which sufficient resources
reside to accomodate said transaction.
The image scanner captures real time stable physical characteristic data reflecting one or a plurality of stable physical characteristics of a person such as features of the iris of the eye, eye retinal pattern, fingerprint, palm print, full facial image, body thermal image, voice print, or
biological characteristics contained and found in dioxyribonucleic acid.
Verification of personal identification includes capturing the real time image directly from
the person; encoding the image; and comparing the encoded image with stored data previously
collected from the person upon registration with the system. If the captured image is not
recognized upon comparison, then access will be denied. When the comparison corresponds to a
predetermined degree the person is allowed access to and interaction with virtual financial space
consisting of various financial accounts. The person may then select from those financial accounts to which they belong and choose from various transaction options.
The extremely high reliability of stable physical characteristics in personal identification, further enhanced when comparison of a second separate physical characteristic is employed, allows this invention to provide the advantage of eliminating the portable instrument of fraud, avoid many of the costs of producing such instruments, and affords a person direct access to financial accounts of their choice with the abihty to perform a variety of financial tasks. All parties benefit from an extremely secure, virtually instant transaction with the option of real time
interface to financial accounts. In a broad geographical context such transactions may be directed to or made in selected time.zones. The costs associated with processing these transactions will be reduced for the user, merchant or service company as well as the financial institution.
It is, therefore, an object of this invention to provide secure financial transactions at the point of sale, at unattended locations, at the point of receipt for goods or services, or at a
personal or business computer by relying upon identification based on stable physical
characteristics of a person; thereby eh inating instruments of fraud.
It is a further object of this invention to allow real time interactive communication and
transactions with a plurality of credit and banking accounts, stocks and securities, and service
companies.
It is also an object of this invention to provide for the visual, interactive interface as might
be seen in a conventional view on a screen, or in a virtual reality environment.
An additional objective is to reduce the costs of facilitating such transactions.
A further objective is to provide an advantageous method for reservation, registration and
receipt of goods and services, particularly in the lodging and transportation services; also achieving better accountabihty and enhanced security in airports, hotels and other environments.
BRIEF DESCRIPTION OF THE SEVERAL VTEWS OF THE DRAWINGS
FIG. 1 is a flow diagram of the transactor in use at the point of sale.
FIG. 2 is a flow diagram of the transactor in use at an unattended location.
FIG. 3 is a flow diagram of the system in use at the point of receipt of services at an airport.
FIG. 4 is a flow diagram of the system in use at the point of receipt of services at a hotel.
DETAILED DESCRIPTION OF THE INVENTION
FIG. 1 illustrates the invention in use at the point of sale for goods or services. The amount of the sale is entered (Step 1 ) . The person looks into the imager for an eye iris scan,
retina pattern or other characteristic (Step 2). This real time image is encoded (Step 3) and transmitted for comparison (Step 4 ). An option is to capture a second, different physical
characteristic for comparison for enhanced security ( Step 5 ) which will be encoded ( Step 3 )
and compared ( Step 4 ). Step 5 may be mandated, initiated at random, or may occur as a
consequence of the degree of correspondence of the first comparison. It may be that, although
the first data comparison was acceptable, it did not achieve the higher end of a predetermined
scale of acceptance. If favorable identification is not achieved the system is cancelled and does
not allow access to the financial interface ( Step 7 ).
Upon favorable identification (Step 6) visual interface opens with an acknowledgnment
and query for credit or bank account (Step 8). The option of credit account (Step 9) displays a selection of those accounts available to the person, i.e. American Express, VISA, Mastercard or Discover. Option of bank account ( Step 10 ) displays a selection of vario'us accounts with various banking institutions from which the person is authorized to transact. Selection of the desired account at Step 9 or Step 10 leads to confirmation of both the amount of the transaction and the payee ( Step 11 and Step 12 ). When in the credit account sequence the limitations are then checked ( Step 13) and the transaction completes as long as credit limits are not exceeded ( Step 1 ). If the transaction is for or includes a cash withdrawal the cash is authorized or received (Step 20). In the event that credit limits are exceeded at Step 13 the
customer is queried for choice of an alternate credit account ( Step 15 ). If an alternate account is desired and available the customer is returned to Step 8. If no alternate account is desired or is unavailable the transaction is terminated and customer is queried for additional transactions ( Step
21 ). If an additional transaction is desired the customer is returned to Step 8. If no additional
transaction is desired the access to financial interface is terminated ( Step 22 ).
When in the bank account sequence the amount of the transaction and the payee are confirmed ( Step 12 ). Availability of funds in the account are checked ( Step 14 ) and can include provisions for and notification of overdraft status and protection. When the amount of the
transaction is covered by available funds the transaction is completed ( Step 19 ). If the
transaction is for or includes a cash withdrawal the cash is authorized or received (Step 20). If
funds available in the account will not allow the transaction the customer is queried for an
alternate account ( Step 16 ). When an alternate account is desired and available the customer is
returned to Step 8. If an alternate account is not desired or unavailable the transaction is
terminated ( Step 18 ) and the customer is queried for an additional transaction ( Step 21 ). If desired the customer is returned to Step 8. If an additional transaction is not desired the access to financial interface is terminated ( Step 22 ).
An alternative at Step 8, either at initial entry or at re-entry via Step 1 or Step 16, is to allow transfer of funds between accounts. For example a credit account position could be improved upon immediately by real time transfer of funds from a bank account into the deficient credit acount. The reverse could be available and beneficial when a credit account was used to rectify a bank balance. Transferring bank account to bank account and using one credit account to pay another credit account would also be available. These features also allow that the account of first preference would usually be available for the current transaction.
A further alternative at Step 8 is to allow for cash withdrawal from the service or merchant. Such a cash transaction could be selected exclusively, or in conjunction with a primary
transaction. It might be used while paying for groceries in order to receive cash. It might also be used when checking out of a hotel in order to leave with cash for the trip to the airport. Selecting
the cash feature would be followed by the steps previously described and, depending upon fund availability in the account, the cash disbursement would be authorized ( Step 20 ).
The availability of the many features described rests upon the reliability of the secured
transaction by positive identification which allows numerous financial features. Another valuable
option is the opporunity to provide a customer with an assessment of financial risk position
relative to the account and the proposed transaction, or after completing said transaction.
FIG. 2 illustrates the transactor in use at an unattended location as it incorporates the cash
dispensing features found in current automated teller machines with many other financial functions
which are available because of the security afforded by the invention. The user interfaces with the imager to begin identification (Step 2). The image is encoded (Step 3) and compared (step 4). The option to capture a second, different physical characteristic for comparison is available (Step 5). It is encoded (Step 3) and compared (Step 4). Step 5 may be mandated, initiated at random, or may occur as a consequence of the degree of correspondence of the first comparison. If favorable identification is not achieved the system is cancelled and does not allow access to the financial interface (Step 7).
Favorable identification (Step 6) gains access to the financial interface with an acknowledgment and query for financial accounts and/or services desired (Step 23). When the desired transaction is simply a cash withdrawal the person so indicates by selecting cash express and choosing from a credit account or a bank deposit account at Step 23. Depending upon the respective selection of credit or bank accounts, one or a variety of such accounts will appear for display and selection (Step 9 and Step 10). If a person desires direct access to credit or bank
accounts for transferring or otherwise manipulating funds, they so select at Step 23. One or a pluraUty of these accounts will appear, respectively, (Step 9 and Step 10). Thereafter the person
will interact with the desired accounts. Should a person desire to access other services for reservations, fares, availability, or registration, a variety of such services are available to select
from at Step 23. Upon selection of a service and other interaction with the service the person
may be instructed to choose between credit accounts or bank accounts on which to pay for the service (Step 23). One or a variety of respective credit or bank accounts will appear for selection
(Step 9 and Step 10).
The amount of the financial transaction, as well as service related information which may
apply, will be entered and/or confirmed with the respective credit account or bank account transaction (Step 24 and Step 25). When in the credit account sequence the limitations are checked (Step 13) and the transaction completes (Step 19) as long as credit limits are not, exceeded. If the transaction is for cash withdrawal the cash is received (Step 20). If credit limits are exceeded at Step 13 the customer is queried for choice of an alternate account (Step 15). If an alternate account is desired and available the customer is returned to Step 23. If no alternate is desired, or is unavailable, the transaction is terminated (Step 17) and the customer is queried for additional transactions (Step 21). If an additional transaction is desired the customer is returned to Step 23. If no additional transaction is desired the access to financial interface is terminated
(Step 22).
When in the bank account sequence the availibility of funds are checked (Step 14) and may include provisions for and notification of overdraft protection and status. When the amount
of the transaction is covered by available funds the transaction completes (Step 19). If the transaction is for cash withdrawal the cash is received (Step 20). If the transaction is not covered
by available funds in the account the customer is queried for an alternate account (Step 16). When an alternate account is desired and available the customer is returned to Step 23. If an
alternate account is not dersired or is unavailable the transaction is terminated (Step 18) and the
customer is queried for an additional transaction (Step 21). If an additional transaction is desired
the customer is returned to Step 23. If no additional transactions are desired the access to the
financial interface is terminated (Step 22).
As seen at Step 23 a variety of financial and service choices are available and secure based
upon the high reliability of positive identification of the customer. Transactions with stocks,
bonds, securities, and mortgages may also be provided. Visual display may appear on a screen as typically provided for computer use, or in a virtual reality environment with navigable routes between various available transactions and functions.
FIG. 3 illustrates one possible method and sequence for receipt of services when airlines was selected from Step 23 of FIG. 2. Ideally situated at a secured entry area, at the boarding gate or at baggage check-in, the imager is interfaced (Step 2) by the person who has made the reservation. The captured, real time image is encoded (Step 3) and compared (Step 4). Capture and comparison of a second, different real time image would be an option (Step 5) as previously
described in FIG. 1 and FIG. 2. An unacceptable identification (Step 6) cancels the system and no access is permitted (Step 7). Upon favorable identification the customer may be granted access to the reservation (Step 26) and may be issued an instrument for boarding, access, or allowed direct access to a point of embarcation or directly aboard the airplane. Alternatively the customer may
be given other pertinent instructions (Step 27) such as to report to a company agent, proceed to different area, or proceed to manual ticketing. Additionally, upon receipt of the reserved services,
at Step 23, the financial account on which the services were reserved is electronically notified and
that financial transaction completes.
Many other functions may be included or combined to compliment this finalization of the
financial transaction of receiving services previously reserved. A significant additional benefit is
that, due to the high reliability of identification employed in the transaction, accountabihty of
persons in airports and aboard airplanes is greatly enhanced.
FIG. 4 illustrates one possible method and sequence for receipt of services at the time of
check-in when hotels was selected from Step 23 of FIG. 2. Upon arrival at the hotel, or at a separate designated location, the customer interfaces the imager (Step 2). The captured real time image is encoded (Step 3) and compared (Step 4). The option for capture and comparison of a second, different real time image (Step 5) would be available as previously described in FIG. 1 and FIG. 2. If favorable identification is not achieved (Step 6) the system is cancelled and no access is allowed (Step 7). Upon favorable identification the customer is allowed access to the reservation (Step 28) and may given be registration instruments, an instrument for access to a room, a fully paid registration, or simply an electronic registration upon the prior electronic financial reservation. Alternatively, a customer may be given further instructions (Step 29) such as to proceed to desk registration, or to see the concierge.
It is significant to note that the entire financial transaction for receipt of reserved services
described in FIG. 4 may alternatively be incorporated as a sub-sequence of Step 23 at FIG. 2, thereby eliminating need for check-in at the hotel because the registration is accomplished at the
time of the reservation.
The embodiments described are not intended to be construed in a limiting sense. Numerous combinations and arrangements of the embodiments and various functions described
will be obvious to persons skilled in the art. The following claims are intended to encompass any
such rearrangements, modifications or embodiments.

Claims

We claim:
1. A financial account transactor comprising:
an electronic storage site wherein previously recorded stable physical characteristic data corresponding to a person is kept;
an electronic storage site wherein financial data corresponding to stored stable physical characteristic data is kept;
a first input device for capturing real time stable physical characteristic data corresponding to a stable physical ^characteristic of a person;
a second input device for capturing real time stable physical characteristic data, of a
different type and from a separate physical source than that captured by said first input device, corresponding to a stable physical characteristic of a person;
an encoder connected to said input device for encoding said captured stable physical
characteristic data in a compressed image format thereby forming compressed format
stable physical characteristic data;
a transmission system for transmission of said compressed format stable physical
characteristic data to a comparator;
a comparator connected to said physical characteristic storage site and to said transmission
system for determining the degree of correspondence between said captured stable
physical characteristic data and said stored physical characteristic data and for determining
the predetermined desirability based on said degree of correspondence of capturing said
second and different stable physical characteristic data and determining the degree of correspondence between said second and different captured stable physical characteristic data and said stored stable physical characteristic data;
a communications circuit connected to said comparator for allowing interface with the
financial accounts when said captured stable physical characteristic data corresponds to a predetermined degree with said stored physical characterictic data;
a visual display with an attached manipulator connected to said communications circuit
providing an interactive interface with said financial accounts;
a transaction completion circuit, connected to said storage site for financial data and connected to said visual display with attached manipulator for allowing the completion of
a financial transaction when said person selects a financial account in which sufficient funds reside to accomodate the transaction.
2. The financial account transactor of Claim 1 wherein; said storage site for
said previously recorded stable physical characteristic data is at a location other
than the location of the point of the transaction of a person;
3. The financial account transactor of Claim 1 wherein; the interface of a person with
said first input device or said second input device establishes contunuity of an
electrical circuit between said person and said storage site for previously recorded
stable physical characteristic data and said storage site for financial data and;
said continuity must be maintained by constant interface of said person and any
interruption of said continuity of said electrical circuit terminates said interface.
4. The financial account transactor of Claim 1 wherein; said stored physical
characteristic data corresponds to the features of the iris of the eye of a person; and said input devices include an image scanner for capturing image data
corresponding to the features of the iris of the eye of a person.
5. The financial account transactor of Claim 1 wherein; said stored physical
characteristic data corresponds to the features of the retina of the eye of a person; and said input devices include an image scanner for capturing image data corresponding to the features of the retina of the eye of a person.
6. The financial account transactor of Claim 1 wherein; said stored physical characteristic data corresponds to the finger print of a person; and said input
devices include an image scanner for capturing image data corresponding to
a finger print of a person.
7. The financial account transactor of Claim 1 wherein; said stored physical
characteristic data corresponds to the palm print of a person; and said input
devices include an image scanner for capturing image data corresponding to
a palm print of a person.
8. The financial account transactor of Claim 1 wherein; said stored physical
characteristic data corresponds to a full facial image of a person; and said
input devices include an image scanner for capturing image data corresponding to
the full facial image of a person.
9. The financial account transactor of Claim 1 wherein; said stored physical
characteristic data corresponds to a body thermal image of a person; and said
said input devices include an image scanner for capturing image data
corresponding to the body thermal image of a person.
10. The financial account transactor of Claim 1 wherein; said stored physical
characteristic data corresponds to a voice print of the speech of a person; and '
said input devices include a microphone and an audio system for capturing
voice print data corresponding to the speech of a person.
1 1. The financial account transactor of Claim 1 wherein; said stored physical
characteristic data corresponds to a stable biological characteristic contained in
dioxyribonucleic acid of a person; and said input devices include means for
capturing data corresponding to biological characteristics contained in dioxyribonucleic acid of a person.
12. The financial account transactor of Claim 1 wherein; said visual display appears in a one dimensional view.
13. The financial account transactor of Claim 1 wherein; said visual display appears
in a three dimensional virtual reality environment.
14. The financial account transactor of Claim 1 wherein; said predetermined
desirability for capturing said second different physical characteristic data
is mandated and said second different stable physical characteristic data is
automatically captured and compared for said degree of correspondence
with said stored stable physical characteristic data.
15. The financial account transactor of Claim 1 wherein; said image scanner
for capturing image data corresponding to features of the iris of the eye also
serves as the optical viewer for said visual display.
16. ' The financial account transactor of Claim 1 wherein; said image scanner for capturing image data corresponding to features of the retina of the eye also serves as the optical viewer for said visual display.
17. The financial account transactor of Claim 1 wherein; a reticle image is positioned
between the eyes of a person and said visual display whereby visual acquisition
may be taken of graphical characters, symbols and marked positions appearing
in the display and manipulated with said manipulator.
18. The financial account transactor of Claim 1 and Claim 17 wherein; said acquisition
is accompanied by voice manipulation, thereby accomodationg persons with
physical impairments which limits the use of their hands.
19. The financial account transactor of Claim 1 wherein; said image scanner for
capturing image data corresponding to a finger print of a person also serves
as the position and instrument of manipulation of said manipulator.
20. The financial account transactor of Claim 1 wherein; said image scanner for
capturing image data corresponding to a palm print of a person also serves as the position and instrument of manipulation of said manipulator.
21. The financial account transactor of Claim I wherein; said microphone and said
audio system for capturing voice print data corresponding to the speech of a
person also serves as the instrument of voice command manipulation of said
manipulator.
22. The financial account transactor of Claim 1 wherein; said storage site for said
stored financial data communicates with various financial, credit, banking
and service organizations regarding limitations and authorizations, final transaction notification, foreign currency exchange rates, schedules and availability, and other
data associated with said transactions in order to maintain real time transactions.
23. The financial account transactor of Claim 1 and Claim 10 wherein; said visual
display is bypassed and the interactive interface is achieved using said microphone
and said audio system providing an audio interface with voice manipulation thereby
accomodating persons with visual disabilities or visual impairments.
24. The financial account transactor of Claim 23 wherein; said manipulation is
achieved by said manipulator attached to said visual display.
25. The financial account transactor of Claim 1 wherein; said communications circuit operates upon fixed lines of telecommunications
26. The financial account transactor of Claim 1 wherein; said communications circuit
operates upon wireless radio frequency signals.
27. The financial account transactor of Claim 1 wherein; said communications circuit
operates upon wireless radio frequency signals relayed or transmitted by
an instrument in orbit above the earth.
28. The financial account transactor of Claim 1 wherein; said transaction completion
circuit operates upon fixed lines of telecommunications.
29. The financial account transactor of Claim 1 wherein; said transaction completion
circuit operates upon wireless radio frequency signals.
30. The financial account transactor of Claim 1 wherein; said transaction completion
' circuit operates upon wireless radio frequency signals relayed or transmitted by an instrument in orbit above the earth.
31. The financial account transactor of Claim 1 wherein; said transactor is connected
to a personal computer.
32. The financial account transactor of Claim 1 wherein; said storage site for said financial data also stores information descriptive of availability, configuration
and pricing for lodging, air transportation, ground transportation, public transportation, utility services, social welfare services, or securities exchanges or
or brokerage firms with which a person might desire to transact;
and to which said interactive interface and said communications circuit and said
transaction completion circuit are connected and responsive to manipulation of a
person conducting a transaction with said services for the completion of a secured
reservation for services, a paid reservation for services, or the dispensing of an
instrument authorizing said services.
33. The financial account transactor of Claim 32 wherein; said services includes the
opening of new financial accounts.
34. The financial account transactor of Claim 32 wherein; said services includes the
opening of new utility accounts.
35. The financial account transactor of Claim 1 wherein; said transactor is mobile and
may be transported in order to facilitate transactions.
36. The financial account transactor of Claim 1 wherein; said first input device and/or
said second input device is hand held and transportable.
37. The financial account transactor of Claim 1 wherein; said transactor is hand held and transportable.
38. A financial account transactor comprising:
an electronic storage site wherein previously recorded stable physical characteristic data
corresponding to a person is kept;
an electronic storage site wherein financial data corresponding to stored stable physical characteristic data is kept;
a first input device for capturing real time stable physical characteristic data corresponding to a stable physical characteristic of a person;
a second input device for capturing real time stable physical characteristic data, of a different type than that captured by said first input device, corresponding to a stable physical characteristic of a person;
an encoder connected to said input devices for encoding said captured stable physical
characteristic data in a compressed image format thereby forming compressed format stable physical characteristic data;
a transmission system for transmission of said compressed image format stable physical
characteristic data to a comparator;
a comparator connected to said physical characteristic storage site and to said transmission
system for determining the degree of correspondence between said captured stable
physical characteristic data and said stored physical characteristic data and for determining
the predetermined desirability based on said degree of correspondence of capturing a
second and different real time stable physical characteristic and determining the degree of correspondence between said second and different real time physical characteristic data and said stored stable physical characteristic data;
a communications circuit connected to said comparator for allowing access to previously
secured reservations for services when said captured real time stable physical
characteristic data corresponds to a predetermined degree with said stored stable physical characteristic data;
a transaction completion circuit connected to said communications circuit and to said
storage site for said financial data for allowing the receipt of previously reserved
services and for completing said financial transaction with said financial account upon receipt of said services.
39. The financial account transactor of Claim 38 wherein; said stored stable physical
characteristic data corresponds to the features of the iris of the eye of a person;
and said input devices include an image scanner for capturing image data
corresponding to the features of the iris of the eye of a person.
40. The financial account transactor of Claim 38 wherein; said stored stable physical
characteristic data corresponds to the features of the retina of the eye of a person;
and said input devices include an image scanner for capturing image data
corresponding to the features of the retina of the eye of a person.
41. The financial account transactor of Claim 38 wherein; said stored stable physical
characteristic data corresponds to the finger print of a person; and said input
devices include an image scanner for capturing image data corresponding to a
finger print of a person.
42. The financial account transactor of Claim 38 wherein; said stored stable physical
characteristic data corresponds to the palm print of a person; and said input
devices include an image scanner for capturing image data corresponding to a palm print of a person.
43. The financial account transactor of Claim 38 wherein; said stored stable physical
characteristic data corresponds to a full facial image of a person; and said input
devices include an image scanner for capturing image data corresponding to a full facial image of a person.
44. The financial account transactor of Claim 38 wherein; said stored stable physical characteristic data corresponds to a body thermal image of a person; and said
input devices include an image scanner for capturing image data corresponding to a body thermal image of a person.
45. The financial account transactor of Claim 38 wherein; said stored stable physical
characteristic data corresponds to a voice print of the speech of a person; and
said input devices include a microphone and an audio system for capturing voice
print data corresponding to the speech of a person.
46. The financial account transactor of Claim 38 wherein; said stored stable physical
characteristic data corresponds to a stable biological characteristic contained in
dioxyribonucleic acid of a person; and said input devices include means for
capturing data corresponding to biological characteristics contained in
dioxyribonucleic acid of a person.
47. The financial account transactor of Claim 38 wherein; receipt of said services
9 includes an instrument authorizing travel or boarding.
48. The financial account transactor of Claim 38 wherein; receipt of said services '
includes or consists of access to a gate or boarding area.
49. The financial account transactor of Claim 38 wherein; receipt of said services
includes receipt of instruments which may be exchanced for currency.
50. The financial account transactor of Claim 38 wherein; receipt of said services
includes receipt of instruments which may be exchanged for food.
51. The financial account transactor of Claim 38 wherein; receipt of said services includes the, direct receipt of food.
52. The financial account transactor of Claim 38 wherein; said communications circuit operates upon fixed lines of telecommunications.
53. The financial account transactor of Claim 38 wherein; said communications circuit
operates upon wireless radio frequency signals.
54. The financial account transactor of Claim 38 wherein; said communications circuit
operates upon wireless radio frequency signals relayed or transmitted by an
instrument in orbit above the earth.
55. The financial account transactor of Claim 38 wherein; said transaction completion
circuit operates upon fixed lines of telecommunications.
56. The financial account transactor of Claim 38 wherein; said transaction completion
circuit operates upon wireless radio frequency signals.
57. The financial account transactor of Claim 38 wherein; said transaction completion
' circuit operates upon wireless radio frequency signals relayed or transmitted by an instrument in orbit above the earth.
58. The financial account transactor of Claim 38 wherein; said predetermined
desirability for capturing said second different physical characteristic data is
mandated and said second different physical characteristic data is automatically
captured and compared for said degree of correspondence with said stored
stable physical characteristic data.
59. The financial account transactor of Claim 38 wherein; said transactor is mobile and
may be readily transported in order to facilitate transactions.
60. The financiaj account transactor of Claim 38 wherein; said first input device and/
or said second input device is hand held and transportable.
61. The financial transactor of Claim 38 wherein; said transactor is hand held and
transportable.
EP98939144A 1997-07-31 1998-07-31 Secure recognition financial transactor Withdrawn EP1454287A4 (en)

Applications Claiming Priority (3)

Application Number Priority Date Filing Date Title
US5433997P 1997-07-31 1997-07-31
US54339P 1997-07-31
PCT/US1998/015948 WO1999006901A2 (en) 1997-07-31 1998-07-31 Secure recognition financial transactor

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EP1454287A2 EP1454287A2 (en) 2004-09-08
EP1454287A4 true EP1454287A4 (en) 2004-10-06

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AU (1) AU8763398A (en)
WO (1) WO1999006901A2 (en)

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CN102254369B (en) * 2011-01-27 2013-02-13 北京中科金财科技股份有限公司 Method and system for processing bill material information and automatic teller machine

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Also Published As

Publication number Publication date
WO1999006901A3 (en) 2004-07-01
WO1999006901A2 (en) 1999-02-11
AU8763398A (en) 1999-02-22
EP1454287A2 (en) 2004-09-08

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