BIOMETERIC SYSTEM FOR VERIFYING THE USER OF A CREDIT/IDENTIFICATION CARD BY A MINIATURE AUTONOMOUS FINGERPRINT CAPTURE AND VERIFICATION SYSTEM

• US 20010045458A1
• Filed: 07/27/1999
• Published: 11/29/2001
• Est. Priority Date: 07/27/1998
• Status: Abandoned Application

• Current Assignee: Stephen T. Polansky
• Original Assignee: Stephen T. Polansky
• Inventors: POLANSKY, STEPHEN T.
• Application Number:
  US09/361,529
• Publication Number:
  US 20010045458A1
• Time in Patent Office: Days
• US Class Current: 235/382
• CPC Class Codes: G06K 19/10 at least one kind of marking being used for authentication, e.g. of credit or identity cards verification of coded identity or credit cards in mechanisms actuated by them G07F7/12
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence

Abstract

The present invention and process provides a method and device for verifying an authorized user of a credit/identification card via Internet utilizing a biometric miniature autonomous fingerprint capture and verification system device. The process includes the steps of scanning the owner'"'"'s credit card information stored on the card, including fingerprint information, scanning the user'"'"'s fingerprint, and comparing the scanned information to information of the card owner stored on a computer database in communication with the device. If scanned fingerprint, the information on the credit card/identification card and the information corresponding to the owner of the card which is stored in the database do not match, the card is rejected.

Claims

1. A method for verifying an authorized user of a credit/identification card comprising the steps of:

i) inserting said card into an apparatus having a plurality of sensors and a scanning station, the card including a microchip device containing the fingerprint digital code of the owner of the card and having a magnetic strip thereon which has information corresponding to the owner of the card including a credit card identification number;

ii) scanning the magnetic strip of the card at an information strip scanning station of said apparatus;

iii) comparing the information stored on the magnetic strip of the card to information of the owner stored on at least one accessible database in communication with said apparatus, the apparatus rejecting the card from the user if the information on the card does not match the corresponding information of the owner of the card which is stored in the database;

iv) scanning the fingerprint of the user at a fingerprint scanning station; and

v) comparing the scanned fingerprint of the user to the fingerprint on the microchip of the card and to a fingerprint of the owner of the card in the database, the apparatus rejecting the card from the user if the fingerprint scanned by the fingerprint sensor device does not match the fingerprints on the card and in the database;

whereby, upon matching the user'"'"'s fingerprint to the fingerprints on the card and in the database said apparatus allows the user to use the card for a desired purpose.

2. The method of

claim 1

further comprising the step of recording the fingerprint of the user if it does not match the fingerprint on the card or the fingerprint of the owner of the card.

13. The method of

claim 1

further comprising the step of encrypting/decrypting transmissions of said information to and from said remote database and remote computer.

14. The method of

claim 1

further comprising the step of compressing/decompressing transmissions of said information to and said remote database and remote computer.

3. An apparatus for verifying an authorized user of a credit/identification card including a surface having a magnetic strip thereon which has information corresponding to the owner of the card, and a microchip device storing a fingerprint digital code of the owner of the card, said apparatus a comprising;

i) an information strip scanning device for scanning the information strip of the card;

ii) means for comparing the information contained in the magnetic strip to information of the owner stored on at least one accessible database in communication with said apparatus, the apparatus rejecting the card from the user if the information on the card does not match the corresponding information of the owner of the card which is stored in the database;

iii) a microchip device storing information including a fingerprint image of the owner of card;

iv) means for comparing the microchip database information to information scanned from fingerprint sensor of the owner stored on at least one accessible database, the apparatus adapted to reject the card from the apparatus if the information on the microchip does not match the corresponding information of the owner of the card which is stored in the database;

v) a fingerprint sensor device for obtaining fingerprint data of a user; and

vi) means for comparing the fingerprint of the user to the microchip database on the card and with fingerprint of the owner of the card in the external database, whereby if the fingerprint information of the user of the card does not match the fingerprint stored in the microchip database on the card or the fingerprint in the database, the apparatus rejects the card.

4. The apparatus of

claim 3

further comprising means for recording the fingerprint of an unauthorized user.

5. A method of verifying an authorized user of a credit/identification card comprising the steps of:

i) reading an information strip on the card, said information strip having information corresponding to the owner of the card;

ii) comparing said information to a corresponding set of information stored in a remote database computer center, whereby said card is withheld if said information does not match said corresponding set of information stored in the remote database;

iii) obtaining information regarding a user'"'"'s transactions and storing said information on a microchip device on said card;

iv) comparing said microchip information and corresponding information on a remote database, whereby said card is withheld if said obtained microchip information does not match said information stored in said remote database;

v) obtaining a digitally encoded image of physical attribute of the user of the card;

vi) comparing said obtained digital encode image of said physical attribute of said user to a corresponding image of said physical attribute of said owner stored in said remote database, whereby said card is rejected if said obtained digital encoded image of said physical attribute does not match said image of said physical attribute of said owner stored in said remote database, and further whereby said obtained digital encode image of said physical attribute is recorded if said obtained digital encoded image of said physical attribute does not match said stored digital encoded image of said physical attribute, said user being allowed to conduct a desired electronic transaction if said obtained digital encoded image of said physical attribute of said user matches said stored image of said physical attribute of said owner.

6. The method of

claim 5

wherein said physical attribute comprises a fingerprint.

7. The method of

claim 6

further comprising the step of obtaining an digital encoded image of a second physical attribute of said user, and comparing said obtained digital encoded image of said second physical attribute of said user to a corresponding digital encoded image of a second attribute of said owner stored in said remote database, whereby said card is rejected if said obtained digital encoded image of said second physical attribute does not match said corresponding stored digital encoded image of said second physical attribute, and further whereby said obtained digital encoded image of said second physical attribute is recorded if said obtained digital encoded image of said second physical attribute does not match said corresponding stored digital encoded image of said second physical attribute, said user being allowed to conduct a desired electronic transaction if said obtained digital encoded image of said second physical attribute of said user matches said digital encoded image of said second physical attribute of said owner.

8. Apparatus for verifying an authorized user of a credit/identification card comprising;

i) means for reading an information magnetic strip on said card, said information magnetic strip having information relating to the owner of the card;

ii) means for communicating with a remote database having corresponding set of information relating to said owner of said card;

iii) means for comparing said information to said corresponding set of information stored in said remote database, said card being rejected by said apparatus if said information does not match corresponding set of information stored in the remote database;

iv) means for obtaining a digital encoded fingerprint identification of said card to a corresponding digitized encoded fingerprinted identification of said card stored in microchip database and in said remote database, said card being rejected by said apparatus if said obtained digitized encoded fingerprint identification does not match said corresponding digitized encoded fingerprint identification stored in said remote database;

v) means for obtaining an digital encoded image of a physical of a physical attribute of the user of the card;

vi) means for comparing said obtained digital encoded image of said physical attribute of said user to a corresponding digital encoded image of said physical attribute of said owner stored in said remote database, said card being rejected by said apparatus if said obtained digital encoded image of said physical attribute does not match said stored digital encoded image of said physical attribute; and

vii) means for recording said obtained image of said physical attribute if said obtained image of said physical attribute does not match said stored digital encoded image of said physical attribute;

and wherein said user is allowed to conduct a desired electronic transaction if said obtained digital encoded image of said physical attribute of said user matches said stored digital encoded image of said physical attribute of said owner.

9. The apparatus of

claim 8

wherein said physical attribute of said user comprises a fingerprint.

10. The apparatus of

claim 8

further comprising means for obtaining an digital encoded image of fingerprint identification of a second physical attribute of said user, and means for comparing said obtained image of said second physical attribute of said user to a corresponding digital encoded image of second physical attribute of said owner stored in said remote database, said card being rejected if said obtained digital encoded image of said second physical attribute does not match said corresponding stored image of said second physical attribute, said apparatus still further comprising means for recording said obtained digital encode image of said second physical attribute if said obtained digital encoded image of said second physical attribute does not match said corresponding stored digital encoded image of said second physical attribute, said user being allowed to conduct a desired electronic transaction if said obtained digital encoded image of said second physical attribute of said user matches said stored digital encoded image of said second physical attribute of said owner.

11. The apparatus of

claim 8

further comprising means for encrypting/decrypting data transmissions between said apparatus and said remote database.

12. The apparatus of

claim 8

wherein said second physical attributes comprises means for compression/decompression data transmissions between said apparatus and said remote database.