SYSTEM AND METHOD FOR CREDIT CARD USER IDENTIFICATION VERIFICATION

• US 20100097180A1
• Filed: 10/20/2009
• Published: 04/22/2010
• Est. Priority Date: 10/21/2008
• Status: Abandoned Application

• Current Assignee: Mario W. Cardullo
• Original Assignee: Mario W. Cardullo
• Inventors: Cardullo, Mario W.
• Application Number:
  US12/582,477
• Publication Number:
  US 20100097180A1
• Time in Patent Office: Days
• US Class Current: 340/5.83
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• 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 system for verifying a credit card user'"'"'s identification includes a scanner, a comparator and a control unit. The scanner is configured to scan a holographic fingerprint image on a credit card and a credit card user'"'"'s fingerprint and output first fingerprint image data representing the holographic fingerprint image and second fingerprint image data representing the credit card user'"'"'s fingerprint. The comparator configured to compare the first fingerprint image data and the second fingerprint image data and determine whether the first fingerprint image data matches the second fingerprint image data. A control unit configured to issue a verification message based on the first fingerprint image data and the second fingerprint image data.

Claims

1. A system for verifying a credit card user'"'"'s identification comprising:

a scanner configured to scan a holographic fingerprint image on a credit card and a credit card user'"'"'s fingerprint and output first fingerprint image data representing the holographic fingerprint image and second fingerprint image data representing the credit card user'"'"'s fingerprint;

a comparator configured to compare the first fingerprint image data and the second fingerprint image data and determine whether the first fingerprint image data matches the second fingerprint image data; and

a control unit configured to issue a verification message based on the first fingerprint image data and the second fingerprint image data.

2. The system of claim 1, wherein the control unit is further configured to issue a verification success message when the first fingerprint image data matches the second fingerprint image data.

3. The system of claim 2, further comprising an output device configured to output one of the verification failure message when the first fingerprint image data does not match the second fingerprint image data.

4. The system of claim 3, wherein the output device comprises at least one of a display unit, a speaker system and a printer.

5. The system of claim 3, further comprising a communication unit configured to establish communication between the system and an electronic payment network.

6. The system of claim 5, wherein the control unit is further configured to transmit the verification failure message to the electronic payment network when the first fingerprint image data does not match the second fingerprint image data.

7. The system of claim 6, wherein the control unit is further configured to transmit at least one of credit card data and the second fingerprint image data to the electronic payment network when the first fingerprint image data does not match the second fingerprint image data.

8. The system of claim 7, wherein the credit card data comprises at least one of a credit card number, a credit card expiration date, a verification code and a credit card holder'"'"'s name.

9. The system of claim 7, further comprising a card reader configured to retrieve the credit card data from the credit card.

10. A method of verifying a credit card user'"'"'s identification, comprising:

scanning a holographic fingerprint image on a credit card to obtain first fingerprint image data;

scanning a fingerprint of a user of the credit card to obtain second fingerprint image data;

comparing the first fingerprint image data and the second fingerprint image data to determine whether or not the first fingerprint image data matches the second fingerprint image data; and

outputting a verification message based on the first fingerprint image data and the second fingerprint image data.

11. The method of claim 10, further comprising outputting a verification success message when the first fingerprint image data matches the second fingerprint image data.

12. The method of claim 10, wherein the outputting a verification failure message comprises at least one of:

displaying the verification failure message;

playing a sound; and

printing out verification failure message.

13. The method of claim 12, further comprising sending the verification failure message to an electronic payment network when the first fingerprint image data does not the second fingerprint image data.

14. The method of claim 13, further comprising sending at least one of credit card data and the second fingerprint image data to the electronic payment network when the first fingerprint image data does not match the second fingerprint image data.

15. The method of claim 14, wherein the credit card data comprises at least one of a credit card number, a credit card expiration date, a verification code and a credit card holder'"'"'s name.

16. The method of claim 14, further comprising retrieving the credit card data from the credit card.

17. A method of making a credit card, comprising:

obtaining a three dimensional impression of a customer'"'"'s fingerprint;

scanning the three dimensional impression to obtain a three dimensional fingerprint image data;

creating a holographic fingerprint image from the three dimensional fingerprint image data;

printing the holographic fingerprint image; and

embedding the printed holographic fingerprint image to a credit card.

18. The method of claim 17, wherein the obtaining the three dimensional fingerprint impression comprises pressing the customer'"'"'s fingertip to an impression pad to leave the three dimensional fingerprint impression thereon.

19. The method of claim 17, further comprises storing credit card data to the credit card, wherein the credit card data comprises at least one of a credit card number, a credit card expiration date, a verification code and a customer'"'"'s name.

20. A credit card made by the process of claim 17.