Personal authority verification system

• US 3,985,998 A
• Filed: 08/17/1973
• Issued: 10/12/1976
• Est. Priority Date: 11/18/1970
• Status: Expired due to Term

• Current Assignee: Century International Corporation (Myson Century, Inc.)
• Original Assignee: Century International Corporation (Myson Century, Inc.)
• Inventors: Crafton, Paul A.
• Primary Examiner(s): Cook, Daryl W.
• Application Number:
  US05/389,086
• Time in Patent Office: 1,152 Days
• Field of Search: 235/61.7 B, 340/149 A
• US Class Current: 235/380
• CPC Class Codes: G06K 17/00 Methods or arrangements for effecting co-operative working between equipments covered by two or more of main groups G06K1/00 - G06K15/00, e.g. automatic card files incorporating conveying and reading operations
• CPC Class Codes: G06Q 20/02 involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/347 Passive cards
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G07F 7/08 by coded identity card or credit card or other personal identification means without personal verification means G07F7/02
• CPC Class Codes: G07F 7/10 together with a coded signal , e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
• CPC Class Codes: G07F 7/1066 PIN data being compared to data on card
• CPC Class Codes: G07F 7/12 Card verification

Abstract

An authority verification system for verifying the authority of the user of a credit or other account by assigning a different code name to each account. When an account is used, the code name, in enciphered form is written on a certificate along with other information necessary to debit the credit account. Verification apparatus deciphers the code name and compares it with the code name assigned to the account being debited.

In addition, when the credit or other account is either a checking account or charge account, other enciphered codes may be included on each check and credit card to protect against alteration of the check or credit card and thus assure check or credit card authenticity.

Claims

1. In a verification system for verifying the authority of an individual executing a document as well as the authenticity of said document, each authorized individual being identified by a unique code name, each document having designated marking areas for receiving a code signature, said code signature corresponding to said code name formed in accordance with a randomly generated alphabet display, said code name and alphabet display being termed indicators of authority, said system including means for enciphering one of said indicators of authority and an indicator of authenticity, and means for forming on said document said encipherment and said indicator of authenticity in deciphered form, a verifier comprising:

means for reading said encipherment and indicator of authenticity from said document,

means for deciphering said encipherment to recover said indicator of authenticity and said one of said indicators of authority,

means for producing the other indicator of authority,

means for comparing said recovered indicator of authenticity with said indicator of authenticity read from said document, and

means for comparing said recovered indicator of authority with said code signature and said other indicator of authority to determine if the code signature corresponds to said code name formed as a code signature using the generated alphabet display.

2. The verifier of claim 1 wherein said deciphering means includes:

reading means for reading said encipherment from said document,

first register means for storing the read encipherment,

decipher counter means, responsive to said encipherment, for generating a count equal to the initial count in said encipher counter means,

decipher pulse producing means, responsive to said decipher counter means, for shifting the contents of said first register means in a second direction an amount equal to the count generated in said decipher counter means, and

second and third register means coupled to said first register means for respectively storing the contents of said first register means corresponding to said one of said indicators of authority and said indicator of authenticity.

3. The verifier of claim 2, wherein said document is a check and said indicator of authenticity is the check number, said verifier further includes,

storage means for storing said code name, account number and the check numbers of checks previously paid on the account, said code name being said other indicator of authority, and

a comparator for comparing the number of the check with the numbers of the checks previously paid.

4. A verification system which verifies the authority of a user of a charge account as well as the authenticity of a charge card, each authorized user being identified by a code name comprising;

a charge card having formed thereon an encipherment of a code name, uniquely associated with a charge account, and the account number,

a credit slip exhibiting a randomly generated alphabet display and marking areas for receiving a code signature, said code signature being formed from said code name in accordance with said alphabet display, and

verification means including means for deciphering said encipherment of said code name and account number and means, responsive to said alphabet display, said code signature and said code name for determining if the code name represented by the code signature corresponds to the code name assigned to said account number.

5. A verification system for verifying the authority of a person executing a document as well as the authenticity of said document, each authorized person being identified by a unique code name, each document having designated marking areas for receiving a code signature, said code signature corresponding to said code name formed in accordance with a randomly generated alphabet display, said code name and alphabet display being termed indicators of authority, said document further comprising an indicator of authenticity and an indicator of authority in enciphered form and an indicator of authenticity in unenciphered form, said system comprising:

means for reading said indicators in enciphered and unenciphered form and said code signature from said document,

means for deciphering said enciphered indicators,

means responsive to said alphabet display, code signature and code name for verifying that the code signature deciphered in accordance with the alphabet display corresponds to the code name, and

means for comparing said deciphered indicator of authenticity with said unenciphered indicator to determine correspondence.

6. The verification system of claim 5, wherein said system includes storage means for storing said code name.

7. The verification system of claim 5, wherein said certificate is a check, the enciphered indicator of authority is the alphabet display and the enciphered indicator of authenticity is the check number.

8. The verification system of claim 7 wherein said storage means further stores the numbers of all checks previously paid against the account and said comparing means includes means for determining if the check being verified has been previously paid.

9. The verification system of claim 5 wherein said certificate is a charge slip, said enciphered indicator of authority is said code name and said enciphered indicator of authenticity is the account number and wherein said means for verifying includes means for comparing said deciphered code name with the code signature deciphered in accordance with said alphabet display.

10. In a verification system for verifying the authority of a person executing a document, said document including a code signature corresponding to a code name formed in accordance with a randomly generated alphabet display, said code name and said alphabet display being termed indicators of authority, and an encipherment of one of said indicators of authority, a decipherment device comprising;

means for deciphering said encipherment from said document, and

means responsive to said code signature and said deciphered encipherment for comparing said code name with said code signature to determine correspondence between the code name and the code signature to determine correspondence between the code name and the code name represented by the code signature.

11. The decipherment device of claim 10 wherein said document further includes document identifying numbers in unenciphered and enciphered form, further including means for deciphering the enciphered document identifying number and means for comparing the unenciphered and deciphered identifying numbers.

12. A method for automatically verifying the authority of a person executing a document comprising the steps of:

a. assigning to persons having authority a unique code name,

b. providing a randomly generated alphabet display comprising a randomly generated mark or space for each letter of the alphabet,

c. recording on said document a code signature comprising a series of marks and spaces corresponding to said code name as determined by said alphabet display, said code name and alphabet display forming indicators of authority,

d. reading said code signature from said document, and

e. electronically comparing the code name with the code signature and the alphabet display to determine correspondence between the code name and the code name represented by the code signature.

13. The method of claim 12 further comprising the steps of:

a. designating each document with a numerical designator,

b. recording said numerical designator on the document in unenciphered numerical form,

c. enciphering said numerical designator,

d. recording the enciphered numerical designator on the document,

e. machine reading the enciphered numerical designator,

f. deciphering the enciphered numerical designator, and

g. electronically comparing the deciphered numerical designator with the unenciphered numerical designator.

14. The method of claim 12 further including the steps of enciphering an indicator of authority and recording said encipherment on said document, and subsequently deciphering said indicator of authority.

15. The method of claim 14 wherein said indicator of authority is said alphabet display, said step of electronically comparing comprising the steps of forming a replica of said code signature from the code name and deciphered alphabet display and comparing the replica of the code signature with the code signature on the document.

16. The method of claim 14 wherein said indicator of authority is the code name assigned to the person having authority to execute the document said step of electronically comparing including the step of forming a replica of said code signature from said deciphered code name and comparing the replica of the code signature on the document.

17. A method for automatically verifying the authority of a credit card user, the card being associated with a credit account comprising the steps of:

assigning to each account a unique code name;

enciphering said code name;

recording said encipherment on said credit card;

providing a randomly generated alphabet display comprising a randomly generated mark or space for each letter of the alphabet;

recording on a charge slip a code signature comprising a series of marks and spaces corresponding to said code name as determined by said alphabet display;

machine reading said encipherment, said alphabet display and said code signature from said charge slip and credit card;

deciphering said enciphered code name,

electronically comparing said code signature, said alphabet display and said code name to determine correspondence between said code name and the code name represented by said code signature,

18. The method of claim 17 further including the steps of:

designating each credit account with a unique account number,

enciphering said account number,

recording said encipherment of the account number on the credit card,

recording said account number is unenciphered form on said credit card,

reading said enciphered and unenciphered account number,

deciphering said encipherment of the account number,

comparing the deciphered account number with the unenciphered account number, and

providing an acceptance signal when the deciphered account number corresponds with the unenciphered account number and the code name represented by the code signature coincides with the deciphered code name.

19. A method for automatically verifying the authority of a person executing a check, comprising the steps of:

assigning to each authorized person a code name,

electronically generating a random alphabet display comprised of a randomly generated mark or space for each letter of the alphabet,

recording on said check a code signature comprising a series of marks and spaces corresponding to the code name as determined by said alphabet display,

enciphering said alphabet display and recording said enciphered display on said check,

machine reading said enciphered display and code signature from said check,

deciphering said alphabet display and electronically comparing the code signature, deciphered alphabet display and the code name of the person having authority to execute the check.

20. A personal verification system for verifying the authority of an individual executing a document as well as the authenticity of said document wherein each authorized individual is identified by a unique code name each said document comprising a randomly generated alphabet display consisting of random marks and spaces corresponding on a one-to-one basis with the letters of the alphabet, designated marking areas for receiving a code signature which is formed by either marking in or leaving blank areas corresponding to each letter of the code name in accordance with the marks and spaces of said randomly generated alphabet display thereby causing the code signature to vary randomly from document to document, and an account identification display identifying the account of a specific authorized individual, said verification system comprising document reading means for sensing on an executed document each of said randomly generated alphabet display, said code signature and said account identification display and providing respective outputs indicative thereof, code name generating means responsive to the account identification output of said document reading means for generating an output corresponding to the code name of the authorized individual to whom the account is assigned, means connected to said document reader means and said code name generating means for producing an output corresponding to the correct encoding of the code name assigned to the identified account based on the randomly generated alphabet display on the specific document being read by said document reading means, and means for comparing the code signature sensed by said document reading means with the correct encoding of the code name produced by said last mentioned means and providing an output indicating the authority of the individual that executed the document and the authenticity of the document.