System for effecting orders for payment with identification by means of card data and fingerprint

• US 20040098336A1
• Filed: 08/20/2003
• Published: 05/20/2004
• Est. Priority Date: 02/22/2001
• Status: Abandoned Application

• Current Assignee: Safe Connect Sweden AB
• Original Assignee: Direktgiro AB
• Inventors: Flink, Soren
• Application Number:
  US10/467,341
• Publication Number:
  US 20040098336A1
• Time in Patent Office: Days
• US Class Current: 705/40
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/102 Bill distribution or payments
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 20/403 Solvency checks
• CPC Class Codes: G06Q 30/06 Buying, selling or leasing transactions
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

A payment transaction system comprises payment terminals and a distribution centre that can be connected to teh terminal and to a monetary institution of financial establishment. Each payment terminal (11, 12, 13, . . . 1n) has its individual account (111, 121) in said monetary establishment (14, 16) and includes means (112, 122) for reading and sending card numbers to the distribution centre (10) for activating therein a first identity code corresponding to earlier sent card number, means for reading a second identity code (payer fingerprint), and means for opening said individual account (111, 121) in the monetary institution (14, 16) when agreement is found between the activated first identity code and the read second identity code. Each terminal also includes means (113, 123) for making the payment concerned, upon receipt of a balance signal from said individual account (111, 121) in the monetary institution (14, 16). Each payment terminal and the distribution centre include means (101 in FIG. 1; 111 in FIG. 3) for making a comparison between the activated first identity code and the read second identity code.

Claims

1. A system for effecting orders for payment, comprising a plurality of payment terminals and a distribution centre that can be connected to the terminal and to at least one monetary institution, characterised in that each payment terminal (11, 12, 13, . . . 1n) includes:

an individual account (111, 121) in the monetary institution (14, 16);

means (112, 122) for reading and sending account numbers to the distribution centre (10) for activation therein of a first identity code corresponding to the earlier sent card number;

means for reading a second identity code (a payer'"'"'s fingerprint), and for opening the individual account (111, 121) in the monetary institution (14, 16) when agreement is found between the activated first identity code and the read second identity code;

means (113, 123) for carrying out the payment concerned upon receipt of a balance signal from the individual account (111, 121) in the monetary institution (14, 16); and

means (101 in FIG. 1;

114 in FIG.

     3) in each payment terminal (11, 12 . . . ) and in the distribution centre (10) for making a comparison between the activated first identity code and the read second identity code.

2. A system according to claim 1, characterised in that the distribution centre (10) is designed to store temporarily payment signals necessary for carrying out payment transactions and received from respective payment terminals (11, 12, 13, . . . 1n) and to then send said signal to the monetary institution (14, 15, 16).

3. A system according to claim 2, characterised in that the distribution centre (10) is designed to send an information signal to the payment receiver informing said receiver that payment has been made, and also send to the payment terminal (11) a confirmation signal to the effect that the payment order has been carried out, subsequent to said payment having been made.