WO1999006901A3 - Secure recognition financial transactor - Google Patents

Secure recognition financial transactor Download PDF

Info

Publication number
WO1999006901A3
WO1999006901A3 PCT/US1998/015948 US9815948W WO9906901A3 WO 1999006901 A3 WO1999006901 A3 WO 1999006901A3 US 9815948 W US9815948 W US 9815948W WO 9906901 A3 WO9906901 A3 WO 9906901A3
Authority
WO
WIPO (PCT)
Prior art keywords
physical characteristic
storage site
data
input device
financial
Prior art date
Application number
PCT/US1998/015948
Other languages
French (fr)
Other versions
WO1999006901A2 (en
Inventor
Stewart M Mann
L Maribel Mann
Original Assignee
Spring Technologies Inc
Stewart M Mann
L Maribel Mann
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, Stewart M Mann, L Maribel Mann filed Critical Spring Technologies Inc
Priority to EP98939144A priority Critical patent/EP1454287A4/en
Priority to AU87633/98A priority patent/AU8763398A/en
Publication of WO1999006901A2 publication Critical patent/WO1999006901A2/en
Publication of WO1999006901A3 publication Critical patent/WO1999006901A3/en

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

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.
PCT/US1998/015948 1997-07-31 1998-07-31 Secure recognition financial transactor WO1999006901A2 (en)

Priority Applications (2)

Application Number Priority Date Filing Date Title
EP98939144A EP1454287A4 (en) 1997-07-31 1998-07-31 Secure recognition financial transactor
AU87633/98A AU8763398A (en) 1997-07-31 1998-07-31 Secure recognition financial transactor

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US5433997P 1997-07-31 1997-07-31
US60/054,339 1997-07-31

Publications (2)

Publication Number Publication Date
WO1999006901A2 WO1999006901A2 (en) 1999-02-11
WO1999006901A3 true WO1999006901A3 (en) 2004-07-01

Family

ID=21990379

Family Applications (1)

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

Country Status (3)

Country Link
EP (1) EP1454287A4 (en)
AU (1) AU8763398A (en)
WO (1) WO1999006901A2 (en)

Families Citing this family (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
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

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5202929A (en) * 1979-09-24 1993-04-13 Lemelson Jerome H Data system and method
US5467403A (en) * 1991-11-19 1995-11-14 Digital Biometrics, Inc. Portable fingerprint scanning apparatus for identification verification
US5546471A (en) * 1994-10-28 1996-08-13 The National Registry, Inc. Ergonomic fingerprint reader apparatus
US5581630A (en) * 1992-12-21 1996-12-03 Texas Instruments Incorporated Personal identification
US5615277A (en) * 1994-11-28 1997-03-25 Hoffman; Ned Tokenless security system for authorizing access to a secured computer system

Family Cites Families (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5291560A (en) 1991-07-15 1994-03-01 Iri Scan Incorporated Biometric personal identification system based on iris analysis
SE500837C2 (en) * 1991-12-11 1994-09-12 Jan Hemberg Computer system for automatic provision of rooms
WO1996006409A1 (en) * 1994-08-25 1996-02-29 Geefield Pty. Ltd. Method and apparatus for providing identification
SE516436C2 (en) * 1994-09-26 2002-01-15 Anders Edvard Trell Methods and apparatus for procuring preferably travel tickets
EP1282082A1 (en) * 1995-07-21 2003-02-05 Siemens AG Österreich Electronic data processing system

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US5202929A (en) * 1979-09-24 1993-04-13 Lemelson Jerome H Data system and method
US5467403A (en) * 1991-11-19 1995-11-14 Digital Biometrics, Inc. Portable fingerprint scanning apparatus for identification verification
US5581630A (en) * 1992-12-21 1996-12-03 Texas Instruments Incorporated Personal identification
US5546471A (en) * 1994-10-28 1996-08-13 The National Registry, Inc. Ergonomic fingerprint reader apparatus
US5615277A (en) * 1994-11-28 1997-03-25 Hoffman; Ned Tokenless security system for authorizing access to a secured computer system

Also Published As

Publication number Publication date
AU8763398A (en) 1999-02-22
EP1454287A4 (en) 2004-10-06
EP1454287A2 (en) 2004-09-08
WO1999006901A2 (en) 1999-02-11

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