EP1965361A2 - An electronic transaction and application terminal with visual identification checking capability - Google Patents

An electronic transaction and application terminal with visual identification checking capability Download PDF

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Publication number
EP1965361A2
EP1965361A2 EP08102196A EP08102196A EP1965361A2 EP 1965361 A2 EP1965361 A2 EP 1965361A2 EP 08102196 A EP08102196 A EP 08102196A EP 08102196 A EP08102196 A EP 08102196A EP 1965361 A2 EP1965361 A2 EP 1965361A2
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EP
European Patent Office
Prior art keywords
user
image
transaction
person
during
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Withdrawn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
EP08102196A
Other languages
German (de)
French (fr)
Other versions
EP1965361A3 (en
Inventor
Ahmet Fonoklik Iletisim Hizmetleri Ve Ticaret Yurkeli
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.)
Fonoklik Iletisim Hizmetleri Ve Ticaret Anonim
Original Assignee
Fonoklik Iletisim Hizmetleri Ve Ticaret Anonim
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
Priority claimed from TR2007/01279A external-priority patent/TR200701279A2/en
Application filed by Fonoklik Iletisim Hizmetleri Ve Ticaret Anonim filed Critical Fonoklik Iletisim Hizmetleri Ve Ticaret Anonim
Priority claimed from TR2008/01341A external-priority patent/TR200801341A1/en
Publication of EP1965361A2 publication Critical patent/EP1965361A2/en
Publication of EP1965361A3 publication Critical patent/EP1965361A3/en
Withdrawn legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/207—Surveillance aspects at ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]

Definitions

  • This invention is about an electronic terminal, which can collect visual information to check the identity of the person using it.
  • a terminal may be used to accept transaction requests, or applications from people who cannot use passwords or biometric authentication methods.
  • Electronic terminals are commonly used to accept applications or perform a variety of transactions, most commonly in the financial services sector, but also in other industries including, government, travel, and retail.
  • a number of methods are used to check the identity of the user.
  • a common method is to ask the user to insert a machine-readable card into the terminal, and then enter a personal identification number (PIN) associated with that card, which is checked from a central database during the transaction or application process.
  • PIN personal identification number
  • This procedure requires the user and the operator of the terminal (eg, a bank) to have a prior relationship, during which the operator of the terminal issues a card, and a PIN associated with that card. This card and PIN must be given to the user before such a transaction or application can be submitted to an electronic terminal.
  • This method is not sufficient to check the identity of a user who has no prior relationship with the terminal operator, since in such a case the user will not have a card and PIN that has associated records in the operator's database.
  • This limitation makes it virtually impossible to use electronic terminals to accept transaction requests or applications from new users.
  • a typical example is a personal loan application from a person who has no prior relationship with a bank. Since there is no easy way of determining the identity of such a new user at a self-service terminal, most banks require new loan applicants to visit a branch office to complete manual identity checks, before they are allowed to take out a loan. In such a case, electronic self-service terminals are largely useless.
  • Japanese Patent Application JP2004355646 describes a terminal capable of capturing the image of a document submitted by the user, by using an optical scanner. While this makes it possible to transmit the image of an identification document to a central processing location, it still does not provide a method to check the identity of the user submitting that document.
  • the object of the invention is to provide an electronic self-service terminal that can collect visual information to check the identity of its user. This is done by collecting several different types of visual information. These visual information components include the photograph of the user captured while the user is using the terminal, the image of an identification document submitted by the user, and a sample of the user's signature.
  • FIG. 1 is a schematic view of a device.
  • FIG. 2 is a cross-sectional view of the slot in the device.
  • FIG. 3 is a cross-sectional view of the slot in another embodiment of the device.
  • FIG. 4 is a cross-sectional view of the slot in another embodiment of the device.
  • a digital controller in the body (1) runs the software required to control the transaction or application process. During the process, information is conveyed to the user by displaying text, graphics and video on the screen(6), and the user's input is accepted from the keyboard (4).
  • user input may be received from a touch sensitive screen (6), that requests the user to select inputs from marked areas of the screen by touching the images displayed.
  • a user is requested to place an identification form into the slot (3) of the device.
  • the upper surface within the slot is made of glass or other transparent material, behind which is an internal imaging unit (7) and a light source (8) that illuminates the surface of the identification card.
  • the software is used to activate the light source , and capture the image of the card with the imaging device, which then becomes part of the transaction or application data.
  • the lower surface within the slot is made of glass or other transparent material, behind which is an internal imaging unit (7) and a light source (8) that illuminates the surface of the identification card.
  • the software is used to activate the light source , and capture the image of the card with the imaging device, which then becomes part of the transaction or application data.
  • both the upper and the lower surfaces within the slot are made of glass or other transparent material, behind each of which are internal imaging units (7) and light sources (8) that illuminate the surfaces of the identification card.
  • the software is used to activate the light sources , and capture the image of the card with the imaging devices, which then becomes part of the transaction or application data.
  • This embodiment has the additional advantage of capturing the images of both sides of the identification card, thus eliminating the need to ask the user to flip the card over to capture the image of the other side.
  • the device thus makes it possible to check these two facial images for similarity either with automatic image processing software, or by human operators after they are transmitted to an operations center.
  • the user is also asked to enter a signature into the terminal, using a signature pad which captures the image of the signature.
  • the device captures:
  • the device thus makes it possible to check these two facial images for similarity either with automatic image processing software, or by human operators.

Abstract

An electronic transaction or application terminal which can collect visual data including the image of the person using it captured during such usage, the image of the user's signature presented by the user during such process by use of a signature pad, and the images of the identification card presented by that person during the transaction or application process, in order to reliably determine the identity of the user, without requiring the usage of machine readable cards and associated PIN numbers.

Description

  • Field of the invention
  • This invention is about an electronic terminal, which can collect visual information to check the identity of the person using it. Such a terminal may be used to accept transaction requests, or applications from people who cannot use passwords or biometric authentication methods.
  • Background of the invention
  • Electronic terminals are commonly used to accept applications or perform a variety of transactions, most commonly in the financial services sector, but also in other industries including, government, travel, and retail.
  • In the state of the art, a number of methods are used to check the identity of the user. A common method is to ask the user to insert a machine-readable card into the terminal, and then enter a personal identification number (PIN) associated with that card, which is checked from a central database during the transaction or application process. This procedure requires the user and the operator of the terminal (eg, a bank) to have a prior relationship, during which the operator of the terminal issues a card, and a PIN associated with that card. This card and PIN must be given to the user before such a transaction or application can be submitted to an electronic terminal.
  • This method is not sufficient to check the identity of a user who has no prior relationship with the terminal operator, since in such a case the user will not have a card and PIN that has associated records in the operator's database. This limitation makes it virtually impossible to use electronic terminals to accept transaction requests or applications from new users. A typical example is a personal loan application from a person who has no prior relationship with a bank. Since there is no easy way of determining the identity of such a new user at a self-service terminal, most banks require new loan applicants to visit a branch office to complete manual identity checks, before they are allowed to take out a loan. In such a case, electronic self-service terminals are largely useless.
  • Japanese Patent Application JP2004355646 describes a terminal capable of capturing the image of a document submitted by the user, by using an optical scanner. While this makes it possible to transmit the image of an identification document to a central processing location, it still does not provide a method to check the identity of the user submitting that document.
  • Brief description of the invention
  • The object of the invention is to provide an electronic self-service terminal that can collect visual information to check the identity of its user. This is done by collecting several different types of visual information. These visual information components include the photograph of the user captured while the user is using the terminal, the image of an identification document submitted by the user, and a sample of the user's signature.
  • The device defined in Claim 1 and other dependent claims can be used in various self service transaction or application processes commonly needed in financial service applications (eg, personal loan applications, credit card applications), visa applications to consulates, and various other commercial or governmental purposes.
  • Detailed description of the invention
  • The present invention is illustrated in the following drawings:
  • - Figure 1 is a schematic view of a device.
  • - Figure 2 is a cross-sectional view of the slot in the device.
  • - Figure 3 is a cross-sectional view of the slot in another embodiment of the device.
  • - Figure 4 is a cross-sectional view of the slot in another embodiment of the device.
  • The parts of the invention depicted in these drawings are as follows:
  • 1. Body
  • 2. External imaging unit
  • 3. Slot
  • 4. Keyboard
  • 5. Signature pad
  • 6. Screen
  • 7. Internal imaging unit
  • 8. Light source
  • In one embodiment of the invention, a digital controller in the body (1) runs the software required to control the transaction or application process. During the process, information is conveyed to the user by displaying text, graphics and video on the screen(6), and the user's input is accepted from the keyboard (4).
  • In another embodiment of the device, user input may be received from a touch sensitive screen (6), that requests the user to select inputs from marked areas of the screen by touching the images displayed.
  • In both of the above embodiments of the invention, a user is requested to place an identification form into the slot (3) of the device.
  • In one embodiment of the invention (shown in Figure 2), the upper surface within the slot is made of glass or other transparent material, behind which is an internal imaging unit (7) and a light source (8) that illuminates the surface of the identification card. The software is used to activate the light source , and capture the image of the card with the imaging device, which then becomes part of the transaction or application data.
  • In another embodiment of the invention (shown in Figure 3), the lower surface within the slot is made of glass or other transparent material, behind which is an internal imaging unit (7) and a light source (8) that illuminates the surface of the identification card. The software is used to activate the light source , and capture the image of the card with the imaging device, which then becomes part of the transaction or application data.
  • In another embodiment of the invention (shown in Figure 4), both the upper and the lower surfaces within the slot are made of glass or other transparent material, behind each of which are internal imaging units (7) and light sources (8) that illuminate the surfaces of the identification card. The software is used to activate the light sources , and capture the image of the card with the imaging devices, which then becomes part of the transaction or application data. This embodiment has the additional advantage of capturing the images of both sides of the identification card, thus eliminating the need to ask the user to flip the card over to capture the image of the other side.
  • Thus, in all of the above embodiments, the device captures both:
  • - The image of the person using it, and
  • - The image of the identity card, including the photograph of the person it was issued to
  • -
  • The device thus makes it possible to check these two facial images for similarity either with automatic image processing software, or by human operators after they are transmitted to an operations center.
  • In another embodiment of the device, the user is also asked to enter a signature into the terminal, using a signature pad which captures the image of the signature. In this case the device captures:
  • - The image of the person using it, and
  • - The image of the signature produced by the user during the process, and
  • - The image of the identity card, including the photograph of the person it was issued to, and the signature of the card's owner printed on it
  • The device thus makes it possible to check these two facial images for similarity either with automatic image processing software, or by human operators. As an additional security measure, it is possible to check the two images of signature on the identity card and the one captured by the signature pad for similarity, either with automatic image processing software, or by human operators, after they are transmitted to an operations center.

Claims (2)

  1. An electronic transaction or application terminal which can collect visual data including the image of the person using it captured during such usage, and the images of the identification card presented by that person during the transaction or application process.
  2. An electronic transaction or application terminal which can collect visual data including the image of the person using it captured during such usage, the image of the user's signature presented by the user during such process by use of a signature pad, and the images of the identification card presented by that person during the transaction or application process.
EP08102196A 2007-03-01 2008-02-29 An electronic transaction and application terminal with visual identification checking capability Withdrawn EP1965361A3 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
TR2007/01279A TR200701279A2 (en) 2007-03-01 2007-03-01 Application processing terminal that performs a video authentication.
TR2008/01341A TR200801341A1 (en) 2008-02-29 2008-02-29 An electronic transaction and application terminal capable of visual identification.

Publications (2)

Publication Number Publication Date
EP1965361A2 true EP1965361A2 (en) 2008-09-03
EP1965361A3 EP1965361A3 (en) 2009-09-02

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EP08102196A Withdrawn EP1965361A3 (en) 2007-03-01 2008-02-29 An electronic transaction and application terminal with visual identification checking capability

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Cited By (16)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010053403A1 (en) * 2008-11-06 2010-05-14 Katina Natalia Petrovna System and method for the remote identification and verification of a client's identity during the provision of financial services
WO2010121954A1 (en) * 2009-04-22 2010-10-28 Wincor Nixdorf International Gmbh Automated teller machine comprising camera arrangement to detect manipulation attempts
WO2010121953A1 (en) * 2009-04-22 2010-10-28 Wincor Nixdorf International Gmbh Automated teller machine comprising at least one camera to detect manipulation attempts
EP2947633A1 (en) * 2014-05-20 2015-11-25 ING Groep N.V. Automatic teller system for providing a banking service to a user operating the system, and method therefore
US9443270B1 (en) 2013-09-17 2016-09-13 Allstate Insurance Company Obtaining insurance information in response to optical input
US9650007B1 (en) 2015-04-13 2017-05-16 Allstate Insurance Company Automatic crash detection
US10032226B1 (en) 2013-03-08 2018-07-24 Allstate Insurance Company Automatic exchange of information in response to a collision event
US10083551B1 (en) 2015-04-13 2018-09-25 Allstate Insurance Company Automatic crash detection
US10121204B1 (en) 2013-03-08 2018-11-06 Allstate Insurance Company Automated accident detection, fault attribution, and claims processing
US10417713B1 (en) 2013-03-08 2019-09-17 Allstate Insurance Company Determining whether a vehicle is parked for automated accident detection, fault attribution, and claims processing
US10572943B1 (en) 2013-09-10 2020-02-25 Allstate Insurance Company Maintaining current insurance information at a mobile device
US10713717B1 (en) 2015-01-22 2020-07-14 Allstate Insurance Company Total loss evaluation and handling system and method
US10902525B2 (en) 2016-09-21 2021-01-26 Allstate Insurance Company Enhanced image capture and analysis of damaged tangible objects
US10963966B1 (en) 2013-09-27 2021-03-30 Allstate Insurance Company Electronic exchange of insurance information
US11361380B2 (en) 2016-09-21 2022-06-14 Allstate Insurance Company Enhanced image capture and analysis of damaged tangible objects
US11720971B1 (en) 2017-04-21 2023-08-08 Allstate Insurance Company Machine learning based accident assessment

Citations (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2004355646A (en) 2004-07-12 2004-12-16 Oki Electric Ind Co Ltd Automated loan-application system

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AU1803199A (en) * 1997-12-08 1999-06-28 Renee Keller Self-service kiosk with biometrics verification and/or registration capability
AU5619300A (en) * 1999-06-17 2001-01-09 Thomas K. Reed Jr. Apparatus, systems and methods for providing at home automatic teller machine services
AU2001295905B2 (en) * 2000-10-16 2005-11-24 Italdata Ingegneria Dell'idea S.P.A. Peripheral device for acquiring biometric and personal data, particularly for preparing recognition documents
US7534476B2 (en) * 2002-09-16 2009-05-19 Avery Dennison Corporation Identification badge construction
US20040186744A1 (en) * 2003-03-17 2004-09-23 Lux Cindy M. Patient registration kiosk

Patent Citations (1)

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Publication number Priority date Publication date Assignee Title
JP2004355646A (en) 2004-07-12 2004-12-16 Oki Electric Ind Co Ltd Automated loan-application system

Cited By (36)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2010053403A1 (en) * 2008-11-06 2010-05-14 Katina Natalia Petrovna System and method for the remote identification and verification of a client's identity during the provision of financial services
CN102414724B (en) * 2009-04-22 2016-01-20 温科尼克斯多夫国际有限公司 There is at least one for identifying the self-aided terminal of the video camera of crime attempt
WO2010121954A1 (en) * 2009-04-22 2010-10-28 Wincor Nixdorf International Gmbh Automated teller machine comprising camera arrangement to detect manipulation attempts
WO2010121953A1 (en) * 2009-04-22 2010-10-28 Wincor Nixdorf International Gmbh Automated teller machine comprising at least one camera to detect manipulation attempts
US20120038773A1 (en) * 2009-04-22 2012-02-16 Wincor Nixdorf International Gmbh Automated teller machine comprising at least one camera to detect manipulation attempts
CN102414724A (en) * 2009-04-22 2012-04-11 温科尼克斯多夫国际有限公司 Automated teller machine comprising at least one camera to detect manipulation attempts
US8953045B2 (en) 2009-04-22 2015-02-10 Wincor Nixdorf International Gmbh Automated teller machine comprising at least one camera to detect manipulation attempts
US10417713B1 (en) 2013-03-08 2019-09-17 Allstate Insurance Company Determining whether a vehicle is parked for automated accident detection, fault attribution, and claims processing
US11158002B1 (en) 2013-03-08 2021-10-26 Allstate Insurance Company Automated accident detection, fault attribution and claims processing
US10699350B1 (en) 2013-03-08 2020-06-30 Allstate Insurance Company Automatic exchange of information in response to a collision event
US10121204B1 (en) 2013-03-08 2018-11-06 Allstate Insurance Company Automated accident detection, fault attribution, and claims processing
US11669911B1 (en) 2013-03-08 2023-06-06 Allstate Insurance Company Automated accident detection, fault attribution, and claims processing
US10032226B1 (en) 2013-03-08 2018-07-24 Allstate Insurance Company Automatic exchange of information in response to a collision event
US11861721B1 (en) 2013-09-10 2024-01-02 Allstate Insurance Company Maintaining current insurance information at a mobile device
US10572943B1 (en) 2013-09-10 2020-02-25 Allstate Insurance Company Maintaining current insurance information at a mobile device
US11783430B1 (en) 2013-09-17 2023-10-10 Allstate Insurance Company Automatic claim generation
US10255639B1 (en) 2013-09-17 2019-04-09 Allstate Insurance Company Obtaining insurance information in response to optical input
US9443270B1 (en) 2013-09-17 2016-09-13 Allstate Insurance Company Obtaining insurance information in response to optical input
US10963966B1 (en) 2013-09-27 2021-03-30 Allstate Insurance Company Electronic exchange of insurance information
EP2947633A1 (en) * 2014-05-20 2015-11-25 ING Groep N.V. Automatic teller system for providing a banking service to a user operating the system, and method therefore
US11682077B2 (en) 2015-01-22 2023-06-20 Allstate Insurance Company Total loss evaluation and handling system and method
US11348175B1 (en) 2015-01-22 2022-05-31 Allstate Insurance Company Total loss evaluation and handling system and method
US10713717B1 (en) 2015-01-22 2020-07-14 Allstate Insurance Company Total loss evaluation and handling system and method
US11017472B1 (en) 2015-01-22 2021-05-25 Allstate Insurance Company Total loss evaluation and handling system and method
US9650007B1 (en) 2015-04-13 2017-05-16 Allstate Insurance Company Automatic crash detection
US11074767B2 (en) 2015-04-13 2021-07-27 Allstate Insurance Company Automatic crash detection
US11107303B2 (en) 2015-04-13 2021-08-31 Arity International Limited Automatic crash detection
US10650617B2 (en) 2015-04-13 2020-05-12 Arity International Limited Automatic crash detection
US10223843B1 (en) 2015-04-13 2019-03-05 Allstate Insurance Company Automatic crash detection
US10083550B1 (en) 2015-04-13 2018-09-25 Allstate Insurance Company Automatic crash detection
US10083551B1 (en) 2015-04-13 2018-09-25 Allstate Insurance Company Automatic crash detection
US9916698B1 (en) 2015-04-13 2018-03-13 Allstate Insurance Company Automatic crash detection
US9767625B1 (en) 2015-04-13 2017-09-19 Allstate Insurance Company Automatic crash detection
US10902525B2 (en) 2016-09-21 2021-01-26 Allstate Insurance Company Enhanced image capture and analysis of damaged tangible objects
US11361380B2 (en) 2016-09-21 2022-06-14 Allstate Insurance Company Enhanced image capture and analysis of damaged tangible objects
US11720971B1 (en) 2017-04-21 2023-08-08 Allstate Insurance Company Machine learning based accident assessment

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