Credit card fraud elimination system
First Claim
1. A credit card fraud elimination system comprising:
- (a) read means for reading coded indicia on the card;
(b) scan means for scanning a card user'"'"'s fingerprint, the scan means comprising a fingerprint exposure device that includes an instantaneous fingerprint scanner;
(c) remotely disposed fingerprint comparitor means for automatically comparing the scanned fingerprint with a file record fingerprint record of the authorized card holder;
(d) transmit means for transmitting signals between the read means, scan means, and comparitor means; and
(e) automated transaction means coupled to the fingerprint comparitor means for automatically allowing a credit card transaction to complete if a proper fingerprint match occurs.
1 Assignment
0 Petitions
Accused Products
Abstract
A method and apparatus for preventing credit card fraud by prohibiting the unauthorized use of a credit card through verification of the absolute identity of a credit card user. Account information is read from the credit card and the card holder'"'"'s fingerprint is scanned and electronically encoded by a fingerprint scanner. The account information and the encoded fingerprint are then sent to a remotely disposed comparitor via a communication line. The comparitor compares the scanned fingerprint with the file record fingerprint of the authorized card holder and if the fingerprints match allows the transaction to take place. If the scanned fingerprint matches the file fingerprint, the system automatically allows the transaction to complete.
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Citations
34 Claims
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1. A credit card fraud elimination system comprising:
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(a) read means for reading coded indicia on the card;
(b) scan means for scanning a card user'"'"'s fingerprint, the scan means comprising a fingerprint exposure device that includes an instantaneous fingerprint scanner;
(c) remotely disposed fingerprint comparitor means for automatically comparing the scanned fingerprint with a file record fingerprint record of the authorized card holder;
(d) transmit means for transmitting signals between the read means, scan means, and comparitor means; and
(e) automated transaction means coupled to the fingerprint comparitor means for automatically allowing a credit card transaction to complete if a proper fingerprint match occurs. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17)
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18. A credit card fraud elimination system comprising:
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(a) read means for reading coded indicia on the card;
(b) scan means for scanning a card user'"'"'s fingerprint, the scan means comprising a fingerprint exposure device that includes an instantaneous fingerprint scanner;
(c) remotely disposed fingerprint comparitor means for automatically comparing the scanned fingerprint with a file record fingerprint record of the authorized card holder;
(d) transmit means for transmitting signals between the read means, scan means, and comparitor means; and
(e) automated transaction means coupled to the fingerprint comparitor means for automatically allowing a credit card transaction to complete if a proper fingerprint match occurs. - View Dependent Claims (19, 20, 21, 22)
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23. A method for adding a user record to a centralized computer database using a fingerprint form, the method comprising the steps of:
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(a) storing user account information in the user record in an electronic format in a computer database file;
(b) marking the user record as being incomplete;
(c) generating the fingerprint form by pre-encoding the user account information on the fingerprint form and providing the fingerprint form to a user, wherein the fingerprint form comprises an area for fingerprints;
(d) reading and electronically encoding at least one user fingerprint from the fingerprint form and storing the at least one encoded user fingerprint in an electronic format in the computer database file, and associating the at least one encoded user fingerprint with the encoded user account information in the user record in the computer database file;
(e) analyzing the user fingerprint, and if the user fingerprint is illegible, notifying the user that the user fingerprint is illegible, providing a replacement fingerprint form to the user, and terminating the method;
(f) if the user fingerprint is legible, searching and comparing the user fingerprint to all previously stored user fingerprints in the computer database file for a match;
(g) if there is a match between the user fingerprint and at least one of the previously stored user fingerprints in the computer database file, marking the user records associated with the user fingerprint and the at least one previously stored user fingerprint as frozen, notifying the associated users, and terminating the method; and
(h) if there is no match between the user fingerprint and at least one of the previously stored user fingerprints in the computer database file, marking the user record stored in the computer database file as complete. - View Dependent Claims (24, 25, 26)
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27. A fingerprint form used for recording fingerprints for a person, comprising:
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(a) a sheet of material having an elongate rectangular shape with first and second generally straight longitudinal edges;
(b) a personal information area parallel to the first longitudinal edge containing the printed name of the person and at least one additional printed item of information about the person;
(c) a first machine encoded information area on the form containing the name of the person and at least one additional item of information about the person encoded in a machine readable format; and
(d) an area for recording at least one fingerprint.
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28. A card verification apparatus comprising:
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(a) logic bus means for transferring data signals between electronic elements within the verification apparatus;
(b) card reader means connected to the logic bus means for reading coded information from a card placed in the card reader means;
(c) fingerprint imaging means connected to the logic bus means for scanning and electronically encoding a fingerprint of a card user;
(d) communication means connected to the logic bus means for electronically transmitting and receiving information to and from a remotely disposed logical device;
(e) processing means connected to the logic bus means for processing information observed on the logic bus means and read from the card reader means and fingerprint imaging means, and for transmitting and receiving information to and from the remote communication means; and
(f) indication means connected to the logic bus means and controlled by the processing means for indicating a status in response to information received from the fingerprint imaging means and communication means.
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29. A card verification upgrade apparatus to connect to an existing card verification unit, the upgrade apparatus comprising:
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(a) logic bus means for transferring data signals between electronic elements within the verification apparatus;
(b) card reader interface means connected to the logic bus means for providing an electronic interface to the existing card verification unit and for reading coded information from a card placed in the existing card verification unit;
(c) fingerprint imaging means connected to the logic bus means for scanning and electronically encoding a fingerprint of a card user;
(d) communication means connected to the logic bus means for electronically transmitting and receiving information to and from a remotely disposed logical device,-7 (e) processing means connected to the logic bus means for processing information observed on the logic bus means and read from the card reader interface means and fingerprint imaging means, and for transmitting and receiving information to and from the remote communication means; and
(f) indication means connected to the logic bus means and controlled by the processing means for indicating a status in response to information received from the fingerprint imaging means and communication means.
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30. A hand-held mobile card verification base unit apparatus comprising:
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(a) logic bus means for transferring data signals between electronic elements within the verification apparatus;
(b) card reader means connected to the logic bus means for reading coded information from a card placed in the card reader means;
(c) radio frequency (RF) receiver means connected to the logic bus means for receiving information via radio signals from a mobile hand-held logical device capable of sending the radio signals;
(d) communication means connected to the logic bus means for electronically transmitting and receiving information to and from a remotely disposed logical device and (e) processing means connected to the logic bus means for processing information observed on the logic bus means and read from the card reader means and RF receiving means, and for transmitting and receiving information to and from the remote communication means.
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31. A hand-held mobile card verification apparatus comprising:
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(a) logic bus means for transferring data signals between electronic elements within the verification apparatus;
(b) modulation/demodulation means connected to the logic bus means for converting digital data read from the logic bus means into an RF signal and for converting information received as a radio signal into digital data capable of being transferred on the logic bus means;
(c) RF transceiver means connected to the modulation/demodulation means for transmitting and receiving information via radio signals to and from a base logical device;
(d) fingerprint imaging means connected to the logic bus means for scanning and electronically encoding a fingerprint of a card user; and
(e) processing means connected to the logic bus means for processing information observed on the logic bus means and read from the fingerprint imaging means, and for transmitting and receiving information to and from the modulation/demodulation means.
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32. A rostering apparatus run by an operator for adding information to a user record to a centralized computer database using a fingerprint form, the apparatus comprising:
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(a) logic bus means for transferring data signals between electronic elements within the rostering apparatus;
(b) fingerprint form scan means connected to the logic bus means for reading coded information from the fingerprint form placed in the fingerprint form scan means, and scanning and electronically encoding a fingerprint from the fingerprint form;
(c) association means for associating the electronically encoded fingerprint with the user record;
(d) communication means connected to the logic bus means for electronically transmitting and receiving information to and from local and remotely disposed logical devices;
(e) processing means connected to the logic bus means for processing information observed on the logic bus means and read from the fingerprint form scan means and fingerprint imaging means, and for transmitting and receiving information to and from the communication means;
.(f) indication means connected to the logic bus means and controlled by the processing means for indicating a status in response to information received from the fingerprint form scan means, fingerprint imaging means and communication means. - View Dependent Claims (33, 34)
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Specification