WO1997036262A1 - Financial transaction processing system - Google Patents

Financial transaction processing system Download PDF

Info

Publication number
WO1997036262A1
WO1997036262A1 PCT/IB1997/000337 IB9700337W WO9736262A1 WO 1997036262 A1 WO1997036262 A1 WO 1997036262A1 IB 9700337 W IB9700337 W IB 9700337W WO 9736262 A1 WO9736262 A1 WO 9736262A1
Authority
WO
WIPO (PCT)
Prior art keywords
processing
card
personal information
holder
information
Prior art date
Application number
PCT/IB1997/000337
Other languages
French (fr)
Inventor
Andre Thomas Liggett
Albertus Jacobus Van Rooyen
Cornell Oberholzer
Original Assignee
Pro-Safepark Cc
Octrooibureau Kisch N.V.
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 Pro-Safepark Cc, Octrooibureau Kisch N.V. filed Critical Pro-Safepark Cc
Priority to AU20398/97A priority Critical patent/AU2039897A/en
Publication of WO1997036262A1 publication Critical patent/WO1997036262A1/en

Links

Classifications

    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07FCOIN-FREED OR LIKE APPARATUS
    • G07F7/00Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08Mechanisms 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
    • G07F7/10Mechanisms 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
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07CTIME 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
    • G07C9/00Individual registration on entry or exit
    • G07C9/20Individual registration on entry or exit involving the use of a pass
    • G07C9/22Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/24Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature
    • G07C9/243Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature visually, e.g. by comparing in a viewer the written signature with a reference on the pass
    • GPHYSICS
    • G07CHECKING-DEVICES
    • G07CTIME 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
    • G07C9/00Individual registration on entry or exit
    • G07C9/20Individual registration on entry or exit involving the use of a pass
    • G07C9/22Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/253Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition visually

Definitions

  • OTM automatic teller machine
  • the identification article may comprise a card.
  • the card may comprise a card selected from the group consisting of an OTM card,
  • the card may comprise a card which includes a microchip thereon for
  • the identifying personal information is preferably provided in code
  • the information is
  • the identifying personal information may comprise an image of the
  • the collecting means may comprise at least one camera, preferably a
  • camera for electronically recording images such as a video camera or
  • the collecting means may include coding means for coding the
  • the comparing means may comprise a processor such as a computer
  • the processing means may comprise an OTM.
  • the processing means may comprise an OTM. Alternatively it may
  • ⁇ information recorded on the card 1 1 may be in code form, preferably
  • the collecting means 12.2 comprises a camera, preferably a camera
  • the system 10 also includes an activating
  • the cameras will be located in different positions
  • Each camera may also include a servo motor [not
  • Frame grabber and video compression software may be provided to
  • the processing unit 1 2.3 includes a key board 1 2.4 for operating the
  • the OTM 12 will not allow a transaction to be processed unless
  • the identifying personal information on the card 1 1 corresponds to
  • the OTM 1 2 can be operated in its normal way to
  • the code may comprise bar code and may be of PDF
  • a comparing means [not shown] and a processing unit with a key
  • processing means 22 may in use not include a comparison means and may be adapted in use to display the signature

Abstract

According to the present invention, a financial transaction processing system comprises an identification article having recorded thereon certain identifying personal information relating to or being the holder's signature and/or bodily feature(s) and serves to identify the holder. The system further comprises a processing means for processing a financial transaction. The processing means includes reading means for reading the information recorded on the identification article; collecting means for collecting identifying personal information of a type similar to that recorded on the identification article, from a person presenting the identification article for processing of a transaction; a comparing means for comparing the identifying personal information obtained from the reading means with that obtained from the collecting means; and a processing unit which in use processes the required transaction only when the identifying personal information obtained from the reading means corresponds to that obtained from the collecting means. The invention also relates to a processing means suitable for use in such a system.

Description

FINANCIAL TRANSACTION PROCESSING SYSTEM This invention relates to financial transaction processing systems such
as for example automatic teller machines and bank cards used
therewith; or other financial cards such as credit cards, petrol cards
or the like used in combination with processing machines for recording
transactions wherein said cards are used.
Fraudulent transactions and theft wherein financial cards such as
automatic teller machine (OTM) cards, credit cards, petrol cards or the
like are used in, are very common. For example, if a person prepared
to commit fraud gets hold of a credit card of another person (before
it has been cancelled), all he has to do to use the card, is to forge the
card holder's signature which usually appears on the card. Also, if a
thief gets hold of another person's OTM card and learns the personal
pin code of the card holder, he would be able to steal money from an
account if the card has not been cancelled.
It is an object of the present invention to provide a financial
transaction processing system wherein fraud and/or theft is reduced.
According to the present invention a financial transaction processing
system comprises an identification article in use issued to a specific holder; the
article having recorded thereon certain identifying personal
information of the holder which personal information relates to
or is the holder's signature and/or bodily feature(s) and serves
to identify the holder; and the article optionally having
information recorded thereon which would be required to
process a financial transaction; and
processing means for processing a financial transaction, the
processing means including reading means for reading the
information recorded on the identification article; collecting
means for collecting identifying personal information of a type
similar to that recorded on the identification article, from a
person presenting the identification article for processing of a
transaction; a comparing means for comparing the identifying
personal information obtained from the reading means with that
obtained from the collecting means; and a processing unit
which in use processes the required transaction only when the
identifying personal information obtained from the reading
means corresponds to that obtained from the collecting means.
The identification article may comprise a card. The card may comprise a card selected from the group consisting of an OTM card,
a credit card and a petrol card.
The card may comprise a card which includes a microchip thereon for
recording the required information on the card.
The information recorded on the identification article which would be
required for processing a transaction may comprise the normal
information recorded on an article of that nature.
The identifying personal information is preferably provided in code
form on the identification article. Preferably the information is
provided in bar code and preferably of the PDF 417 type by Symbol
Technologies Inc.
The identifying personal information may comprise an image of the
face of the card holder. In an alternative embodiment of the invention
it may comprise one or more measurements such as distances
between eyes (from inside to inside, from outside to outside or
combinations thereof); distance from lower lip to line between the
eyes etc. The reading means may comprise a reader for reading coded
information on the identification article and it may include decoding
means for decoding it. The reader may comprise a PDF 620 Card
Reader supplied by Symbol Technologies Inc.
The collecting means may comprise at least one camera, preferably a
camera for electronically recording images such as a video camera or
a closed circuit television camera. Preferably the collecting means
comprises two cameras provided in positions to record images from
different angles.
The one or more cameras may be used to record an image of the
holder of the identification article. Alternatively or additionally the one
or more cameras may be used to record an image of a person's
signature provided at the time the transaction is about to be recorded.
The collecting means may include coding means for coding the
information collected thereby allowing the comparing means to
compare the identifying personal information in coded form.
The system may also include activating means for activating the
collecting means. The comparing means may comprise a processor such as a computer
with suitable software to carry out the comparison between
information obtained from the identification article through the reading
means and the information obtained from the collecting means.
The processing unit may include an operating means through which
the processing means may be operated. The operating means may
comprise a key-board.
The processing means may comprise an OTM.
Alternatively the processing means may comprise means suitable for
processing credit card transactions, or petrol card transactions or
similar transactions. The means may be mobile.
According to another aspect of the invention there is provided a
processing means substantially as described hereinabove.
According to another aspect of the invention there is provided an
identification article for use in processing financial transactions which
,. includes thereon in coded form identifying personal information of the
holder to which it is in use issued, the personal information relating to or is the holder's signature and/or bodily features and serve to identify
the holder.
According to another aspect of the invention there is provided a
processing means which is used in combination with an identification
article to record financial transactions, the processing means
comprising any suitable processing means characterized therein that
it includes display means for displaying certain identifying personal
information in use recorded in coded form on the identification article,
which identifying personal information relates to or is the signature
and/or bodily feature(s) of a holder to which the identifying article is
in use issued and which information serves to identify the holder.
The processing means may comprise an OTM. Alternatively it may
comprise means for processing credit card transactions, or petrol card
transactions or similar transactions.
Preferably the processing means comprises means for processing
credit card transactions, or petrol card transactions or similar
transactions which includes display means for displaying the card
_ holder's signature which is in use provided in coded form on the card. Without thereby limiting the scope of the invention and by means of
example only, embodiments thereof will now be described with
reference to the accompanying drawings wherein:
Figure 1 is a perspective view of one financial transaction
processing system according to the invention; and
Figure 2 is a perspective view of an alternative financial
transaction processing system according to the invention.
Referring now to Figure 1 , a financial transaction processing system
10 comprises an identification article 1 1 and a processing means 12
for processing a financial transaction.
The identification article 1 1 comprises a card such as an OTM card or
a credit card or any other card suitable for use in an OTM machine.
The card 1 1 has the normal information recorded thereon to allow an
OTM transaction to be processed. The card 1 1 also has recorded
thereon certain identifying personal information of the holder to which
it has been issued in use, and the identifying personal information
serving to identify the said holder. The identifying personal
^information recorded on the card 1 1 may be in code form, preferably
in bar code form, and preferably in bar code of the PDF 417 type by Symbol Technologies Inc-
In one embodiment of the invention the card 1 1 may comprise a card
which includes a microchip for recording the required information on
the card.
The identifying personal information relates to bodily features and may
additionally include the card holder's signature. The information
relating to bodily features may comprise an image of the face of the
card holder. In an alternative embodiment of the invention only
certain information relating to the holder's face for example such as
measurements between the eyes, distances from lower lip to the line
between the eyes etc may be recorded on the card.
In a preferred embodiment of the invention the information encoded
on the card comprises the card holder's full name, identification
number, bank account number, address, an image of the card holder's
face and the card holder's signature.
Suitable equipment may also be provided for recording the required
_ information on a card 1 1 . The processing means 1-2 comprises an OTM which includes a
suitable reading means 12.1 for reading the information recorded on
the card 1 1 ; and a collecting means 1 2.2 for collecting identifying
personal information of a type similar to that recorded on the card 1 1
from the person presenting the article 1 1 for processing a transaction.
The processing means 12 also includes a comparing means [not
shown] for comparing the identifying personal information obtained
from the card 1 1 through the reading means 1 2.1 with that obtained
from the collecting means. A processing unit 1 2.3 is provided as part
of the processing means 12 for processing the required transaction
only when the identifying personal information obtained from the
reading means 12.1 is the same as that obtained from the collecting
means 1 2.2. The other features and workings of the OTM is standard
and is accordingly not described at all or not described in detail in this
specification.
The reading means 12.1 comprises a reader for reading the encoded
information on the card 1 1 . The reader 12.1 may comprise a PDF
620 Card Reader Supplied by Symbol Technologies Inc.
_The collecting means 12.2 comprises a camera, preferably a camera
such as a video camera or a closed circuit television camera for electronically recording images.. The camera 1 2.2 is used to record an
image of the person presenting the card 1 1 as the person is about to
conclude the transaction. The system 10 also includes an activating
means [not shown] which activates the camera 12.2 to record the
required image. The activating means may be associated with the
reader 1 2.1 to activate the camera 1 2.2 when the card 1 1 is in use
inserted into the reader 1 2.1 .
in a preferred embodiment of the invention [not shown] the collecting
means 1 2.2 may comprise two cameras such as closed circuit
television cameras. The cameras will be located in different positions
to record images of the person about to conclude the transaction from
different angles and thus increasing the chances that a suitable image
will be recorded. Each camera may also include a servo motor [not
shown] for panning and/or tilting the cameras to further ensure that
suitable images are recorded.
Frame grabber and video compression software may be provided to
assist in selecting and recording an image from the recording by the
collecting means 1 2.2.
The comparing means comprises a computer [not shown] with suitable software to carry- out. the comparison between the images
obtained from the collecting means 1 2.2 and the reading means 1 2.1 .
In use only certain aspects of the images may be compared with each
other such as measurements between the eyes, distance from the
lower lip to the line between the eyes etc.
The processing unit 1 2.3 includes a key board 1 2.4 for operating the
OTM. A screen 12.5 is also provided. The processing unit 12.3 may
be of the type normally used in OTM's.
In use the OTM 12 will not allow a transaction to be processed unless
the identifying personal information on the card 1 1 corresponds to
that collected from the camera 12.2. Once the said information
corresponds, the OTM 1 2 can be operated in its normal way to
process a transaction. If the information does not correspond, the
system will not allow the transaction to be processed. The system 10
thus provides an additional safety feature that only the card holder (to
whom the card 1 1 has been issued) can use the card 1 1 to process
transactions.
The system 10 may also be adapted (preferably through its software)
that should anybody be in a radius of about one meter of the person submitting his card 1 1 to the. OTM 1 2, the camera 1 2.2 will record
images of two persons. The comparison between the images
recorded by the camera 1 2.2 and that on the card 1 1 will then not be
favourable thereby preventing the transaction to be processed. This
will make it difficult to hold up a person at gun point or knife point
and force him to process a transaction through an OTM. It will also
make it more difficult for a person to look over the shoulder of another
person using an OTM, to see the secret pin number.
Referring now to Figure 2 there is provided an alternative system 20
according to the invention. In this case the identification article
comprises a card 21 such as a credit card, petrol card or the like. In
addition to the normal information required to be recorded on the card
21 , the card 21 also includes the card holder's signature in coded
form thereon. The code may comprise bar code and may be of PDF
41 7 type by Symbol Technologies Inc.
The processing means 22 is similar to a normal processing means for
processing credit card, petrol card or the like transactions. In this
case the processing means 22 includes a reading means 22.1 for
reading the coded information on the card including the signature. A
collecting means [not shown] in the form of a camera for recording the signature of the person presenting the card 1 1 to record a
transaction is also provided. The processing means 22 also includes
a comparing means [not shown] and a processing unit with a key
board 22.2.
In use the person wishing the transaction to be recorded signs the
documents without having the benefit of seeing the card holder's
signature since this will now be provided in coded form on the card
21 . When an attendant processes the transaction he will insert the
card 21 in the reader 22.1 and the transaction will only be recorded
if the signature on the card 21 is the same as that collected by the
collecting means.
In an alternative embodiment the system 20 may be similar to the
system 10 in the sense that the card 21 may also include an image of
the card holder thereon and the collecting means will then also record
an image of the card holder. The comparison will then be carried out
in a similar way as for the system 10.
It will be appreciated that many variations in detail are possible
-without thereby departing from the scope and spirit of the invention.
For example the processing means 22 may in use not include a comparison means and may be adapted in use to display the signature
recorded on the card 21 . The attendant may then compare the
displayed signature with that provided by the person presenting the
card 21 for processing the transaction.

Claims

ncial transaction processing system comprising
an identification article in use issued to a specific
holder; the article having recorded thereon certain
identifying personal information of the holder which
personal information relates to or is the holder's
signature and/or bodily feature(s) and serves to
identify the holder; and the article optionally having
information recorded thereon which would be
required to process a financial transaction; and
processing means for processing a financial
transaction, the processing means including reading
means for reading the information recorded on the
identification article; collecting means for collecting
identifying personal information of a type similar to
that recorded on the identification article, from a
person presenting the identification article for
processing of a transaction; a comparing means for
comparing the identifying personal information
obtained from the reading means with that obtained from the collecting means; and a processing unit
which in use processes the required transaction
only when the identifying personal information
obtained from the reading means corresponds to
that obtained from the collecting means.
2. The system of claim 1 wherein the identification article
comprises a card.
3. The system of claim 2 wherein the card comprises a card
selected from the group consisting of an OTM card, a
credit card and a petrol card.
4. The system of claim 2 wherein the card includes a
microchip thereon for recording the information on the
card.
5. The system of claim 1 wherein the identifying personal
information is provided in code form on the identification
article.
6. The system of claim 5 wherein the information is provided in bar code.
7. The system of claim 1 wherein the identification article
includes identifying personal information thereon in the
form of an image of the face of the card holder.
8. The system of claim 5 wherein the reading means
comprises a reader for reading coded information provided
on the identification article.
9. The system of claim 8 wherein the reading means also
includes decoding means for decoding the coded
information.
10. The system of claim 1 wherein the collecting means
comprises at least one camera.
1 1 . The system of claim 10 wherein the at least one camera
comprises a closed circuit television camera.
12- The system of claim 10 wherein the collecting means
comprises two cameras provided in positions to record images from different .angles.
1 3. The system of claim 5 wherein the collecting means
includes coding means for coding the information
collected thereby allowing the comparing means to
compare the identifying personal information in coded
form.
14. The system of claim 1 which includes activating means
for activating the collecting means.
15. The system of claim 1 wherein the comparing means
comprises a computer with suitable software to carry out
the comparison between information received from the
identification article through the recording means and the
information received from the collecting means.
1 6. The system of any one of the preceding claims wherein
the processing means comprises an OTM.
1 7. The system of any one of claims 1 to 1 5 wherein the
processing means comprises means suitable for processing a transaction selected from the group
consisting of credit card transactions and a petrol card
transactions.
1 8. The system of claim 1 7 wherein the processing means is
mobile.
19. A processing means suitable for processing financial
transactions comprising reading means for reading
information recorded on an identification article which
information relates to identifying personal information of
the holder of the card which personal information relates
to or is the holder's signature and/or bodily feature(s) and
serve to identify the holder, and which information
recorded on the identification article optionally also relates
to information required to process a financial transaction;
collecting means for collecting identifying personal
information of a type similar to that recorded on the
identification article, from a person presenting the
identification article for processing of a transaction; a
comparing means for comparing the identifying personal
information from the reading means with that of the collecting meansr and a processing unit which in use
processes the required transaction only when the
identifying personal information from the reading means
corresponds to that from the collecting means.
20. An identification article for use in processing financial
transactions which includes thereon in coded form,
identifying personal information of the holder to which it
is in use issued, the personal information relating to or is
the holder's signature and/or bodily features and serve to
identify the holder.
21 . A processing means which is used in combination with an
identification article to record financial transactions, the
processing means comprising any suitable processing
means characterized therein that it includes display means
for displaying certain identifying personal information in
use recorded in coded form on the identification article,
which identifying personal information relates to or is the
signature and/or bodily feature(s) of a holder to which the
identifying article is in use issued and which information
serves to identify the holder.
22. The processing means of claim 21 which comprises an
OTM.
23. The processing means of claim 21 which comprises
means for processing one or more transactions selected
from the group consisting of credit card transactions and
petrol card transactions.
24. The processing means of claim 23 which includes display
means for displaying the card holder's signature which is
in use provided in coded form on the card.
PCT/IB1997/000337 1996-03-28 1997-03-21 Financial transaction processing system WO1997036262A1 (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU20398/97A AU2039897A (en) 1996-03-28 1997-03-21 Financial transaction processing system

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
ZA96/2473 1996-03-28
ZA962473 1996-03-28

Publications (1)

Publication Number Publication Date
WO1997036262A1 true WO1997036262A1 (en) 1997-10-02

Family

ID=25585615

Family Applications (1)

Application Number Title Priority Date Filing Date
PCT/IB1997/000337 WO1997036262A1 (en) 1996-03-28 1997-03-21 Financial transaction processing system

Country Status (2)

Country Link
AU (1) AU2039897A (en)
WO (1) WO1997036262A1 (en)

Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4405856A (en) * 1981-12-08 1983-09-20 Paul Poisson Apparatus for recording identifying data concerning the use of a credit card, cheque or the like
EP0142449A2 (en) * 1983-11-16 1985-05-22 Jean Desgorces Credit card
DE3706465A1 (en) * 1987-02-27 1988-09-08 Siemens Ag Operating unit for smart cards
EP0334616A2 (en) * 1988-03-21 1989-09-27 Leighton, Frank T. Method and system for personal identification
US4975969A (en) * 1987-10-22 1990-12-04 Peter Tal Method and apparatus for uniquely identifying individuals by particular physical characteristics and security system utilizing the same
WO1992003804A1 (en) * 1990-08-14 1992-03-05 John Mclean & Sons (Electrical) Dingwall Ltd Document security system
EP0504616A1 (en) * 1991-03-19 1992-09-23 Ascom Autelca Ag Method of operating a self-service automatic machine and apparatus for carrying out this method
FR2696032A1 (en) * 1992-09-21 1994-03-25 Oberthur Ckd Device for carrying out transactions with microprocessor cards, and method for carrying out a transaction with such a device.

Patent Citations (8)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US4405856A (en) * 1981-12-08 1983-09-20 Paul Poisson Apparatus for recording identifying data concerning the use of a credit card, cheque or the like
EP0142449A2 (en) * 1983-11-16 1985-05-22 Jean Desgorces Credit card
DE3706465A1 (en) * 1987-02-27 1988-09-08 Siemens Ag Operating unit for smart cards
US4975969A (en) * 1987-10-22 1990-12-04 Peter Tal Method and apparatus for uniquely identifying individuals by particular physical characteristics and security system utilizing the same
EP0334616A2 (en) * 1988-03-21 1989-09-27 Leighton, Frank T. Method and system for personal identification
WO1992003804A1 (en) * 1990-08-14 1992-03-05 John Mclean & Sons (Electrical) Dingwall Ltd Document security system
EP0504616A1 (en) * 1991-03-19 1992-09-23 Ascom Autelca Ag Method of operating a self-service automatic machine and apparatus for carrying out this method
FR2696032A1 (en) * 1992-09-21 1994-03-25 Oberthur Ckd Device for carrying out transactions with microprocessor cards, and method for carrying out a transaction with such a device.

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