Credit card verification system and method

• US 6,912,312 B1
• Filed: 12/16/1999
• Issued: 06/28/2005
• Est. Priority Date: 12/24/1998
• Status: Expired due to Term

• Current Assignee: Callahan Cellular LLC (Intellectual Ventures LLC)
• Original Assignee: David M. Makover, Moshe Milner
• Inventors: Milner, Moshe, Makover, David M.
• Primary Examiner(s): Miriam, Daniel
• Application Number:
  US09/868,957
• Time in Patent Office: 2,021 Days
• Field of Search: 382/115, 382/118, 382/124, 382/181, 382/209, 382/218, 382/311, 340/5.8, 340/5.81, 340/5.82, 340/5.83, 713/186, 902/5
• US Class Current: 382/218
• 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: G07C 9/253 visually
• CPC Class Codes: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The invention provides a credit card verification system, including a credit card company data storage and communication unit (4) for recording and storing data concerning authorized credit card holders, including an electronically reproducible image of each credit card holder, means (6) for introducing the image into the company data storage unit, and at least one remotely positioned credit card reader (10) and image display meants (12) communicating with the company data storage unit, for selectively retrieving data from the storage unit to be displayed on the image display means, to be viewed and approved by the person providing sales services. The invention also provides a method for verifying the identity of a credit card holder effecting a tansaction and a method enabling credit companies to monitor and verify credit card holder identity when a payment transaction is performed at a sales terminal.

Claims

1. A method for verifying the identity of a credit card holder effecting a transaction, comprising:

introducing data and a pre-recorded first image relating to each authorized credit card holder into a credit card company'"'"'s remote data storage and communication unit or remote image display means;

providing at least one credit card reader and a camera at a local purchasing location for effecting communication with said remote data storage unit or remote image display means;

operating said credit card reader and camera to effect display of the credit card holder'"'"'s image and data as a second image on a local image display means;

comparing the displayed second image with the stored first image of the card holder, and

if the images are identical or similar, then approving the transaction.

2. The method as claimed in claim 1, wherein said camera is operated to photograph the credit card holder and to communicate the picture to said remote data storage unit or remote image display means.

3. The method as claimed in claim 1, wherein said camera is also utilized to photograph the image of the credit card holder embedded in the credit card and to communicate the picture to said data storage unit or image display means.

4. A method enabling credit companies to monitor and verify credit card holder identity when a payment transaction is performed by an operator at a sales terminal, said method comprising:

introducing images of identification data in a credit card company'"'"'s data storage and communication unit;

displaying to the operator at said sales terminal multiple images of identification data, at least one of which is true;

prompting the payment terminal operator to view said data and select the correct data;

determining in said storage and communication unit whether the selected data is correct, and

either completing or denying the transaction.