Card user identification system

• US 4,636,622 A
• Filed: 05/06/1985
• Issued: 01/13/1987
• Est. Priority Date: 05/06/1985
• Status: Expired due to Fees

• Current Assignee: Clement P. Clark
• Original Assignee: Clement P. Clark
• Inventors: Clark, Clement P.
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US06/730,944
• Time in Patent Office: 617 Days
• Field of Search: 235/380, 235/382, 382/4
• US Class Current: 235/380
• CPC Class Codes: G07C 9/257 electronically G07C9/26 takes precedence
• CPC Class Codes: G07F 19/20 Automatic teller machines [ATMs]
• CPC Class Codes: G07F 19/201 Accessories of ATMs
• CPC Class Codes: G07F 19/207 Surveillance aspects at ATMs

Abstract

A computerized fingerprint matching system is shown for rapidly identifying a person presenting a previously issued identity card to complete a transaction. The user of a credit card, for example, can prove his right to have it in his possession for use in completing a financial transaction and upon proof of his fingerprint identity the system simultaneously makes a record of the transaction. Means are shown to indicate a disapproval of a particular transaction if the account for that card is overdrawn and other means are shown for recording a photograph and a fingerprint of any person in possession of the card when an unauthorized holder of a card presents the card at a card reader station.

Claims

1. A means for reading coded indicia on a card and for scanning a card user'"'"'s fingerprint for a comparison with the file record of the authorized card holder'"'"'s fingerprint comprising a card reader means in combination with a fingerprint exposure device that includes an instantaneous fingerprint scanner, remotely disposed comparator means for comparing the scanned fingerprint with said file record fingerprint of the authorized card holder, means for transmitting signals between said reading and scanning means and said comparator means, means activated by the fingerprint comparator to indicate at the card reader means when a proper fingerprint match occurs, and other means activated by the fingerprint comparator to otherwise indicate that an unauthorized user is standing at the card reader means, which other means is also operative to activate means adapted to make a permanent record of the fingerprint that is exposed to the scanner when the comparator indicates a mismatch of the scanned fingerprint with the recorded fingerprint occurs.

2. A means for reading and scanning as in claim 1 wherein the card is a credit card and the card reading means is located at a cashier'"'"'s station and said fingerprint comparator also activates means to read the amount of credit to be added to or charged against the running account maintained for the card in the reader, during a particular transaction and including means to temporarily post the amount to be credited against the card account maintained at the remotely disposed means, means at said remotely disposed means to compare the temporary posting with the current account of credit available to the card being scanned, means operated by said last named means to add that amount to the file record when the amount to be credited against the account is approved and subtracting that amount from the account at the remotely disposed means showing the current credit that will be available to the card positioned in the reader after that transaction is completed, including means to produce a record of that particular transaction at the cashier'"'"'s station for use by the cashier and the card holder, and other means at said remotely disposed means to otherwise indicate at the cashier'"'"'s station when the temporarily posted amount is more than the current amount of the credit available to the user as determined by the comparison of said temporary posting with said current account of the credit card holder.

3. A means for reading and scanning as in claim 1 wherein a camera and activating means therefor are positioned adjacent the card reader means, and said other means activated by said fingerprint comparator is also operative to operate said camera activating means to simultaneously snap a photograph of the person at the fingerprint scanner when a mismatch occurs whereby a picture of the person is made and his fingerprint is recorded.

4. A means for reading and scanning as in claim 1 wherein a multiplicity of said card reader and associated fingerprint exposure means are disposed at separate work stations, and each of said respective card readers and fingerprint exposure means is electronically connected to said remotely disposed means.

5. A means for reading and scanning as in claim 2 wherein a multiplicity of said card reader and associated fingerprint exposure means are disposed at separate work stations and each of said respective card readers and fingerprint exposure means is electronically connected to said remotely disposed means.

6. A means for reading and scanning as in claim 3 wherein a multiplicity of said card reader and associated fingerprint exposure means are disposed at separate work stations and each of said respective card readers and fingerprint exposure means is electronically connected to said remotely disposed means.