Updating of reference magnetic signature for authenticating a document with a magnetic stripe

• US 9,027,831 B2
• Filed: 11/21/2008
• Issued: 05/12/2015
• Est. Priority Date: 11/21/2008
• Status: Active Grant

• Current Assignee: Visa International Service Association (Visa, Inc.)
• Original Assignee: Visa International Service Association (Visa, Inc.)
• Inventors: Fang, Xiang, Faith, Patrick, Kato, Craig M., Hammad, Ayman, Koganti, Krishan Prasad
• Primary Examiner(s): KELLY, RAFFERTY D
• Application Number:
  US12/276,227
• Publication Number:
  US 20100127079A1
• Time in Patent Office: 2,363 Days
• Field of Search: 235/380
• US Class Current: 235/380
• CPC Class Codes: G06K 19/12 the marking being sensed by magnetic means

Abstract

Methods, systems, and apparatus for accurately authenticating a document (e.g. a credit card) having a magnetic stripe are provided. The magnetic field at different points of the magnetic stripe are measured, e.g., by a checkout scanner to create a magnetic signature. Digital samples of the measurements may be used to create a representation of the magnetic signature. The representation can then be compared to reference values to produce a measure of the authenticity of the document. The reference values are updated over time to reflect changes in the magnetic stripe of the authentic document, as may occur due to physical deterioration. For example, reference values may be optimized based on recent measurements of the authenticated document to provide a more accurate determination of authenticity for future measurements.

Claims

1. A method for authenticating a document that includes a magnetic stripe having a distinct magnetic noise characteristic, wherein the magnetic noise characteristic exists over one or more predetermined segments of the magnetic stripe, the method comprising:

receiving, at an authentication device, a set of values representing a present magnetic noise characteristic of the document;

comparing the received values to reference values, wherein the comparing includes;

determining an error for each received value, wherein each error includes a sum of contributions, each contribution corresponding to a respective set of previously received values representing a previous magnetic noise characteristic of the document, each respective set of previously received values being received at a different time as part of a respective authentication of the document;

based on the comparison, providing a measure of an authenticity of the document; and

updating the reference values with the received set of values representing the present magnetic noise characteristic, wherein the present magnetic noise characteristic includes additional noise introduced into the magnetic stripe resulting from use of the document since a prior update of the reference values.

2. The method of claim 1, wherein each contribution includes a difference between a received value and a corresponding value of a respective set of previously received values.

3. The method of claim 2, wherein each contribution includes a respective weighting factor multiplied by a corresponding difference.

4. The method of claim 1, wherein determining an error for each received value includes:

calculating a sum of the corresponding values of the previously received sets; and

determining a difference between the received value and the corresponding sum.

5. The method of claim 1, further comprising:

comparing the measure to a threshold to determine a category of authenticity of the documents; and

updating the threshold based on the received values.

6. The method of claim 5, further comprising:

receiving one or more additional sets of values representing the magnetic noise characteristic; and

computing respective measures for each additional set of values, wherein the threshold is updated after a change of a distribution of measures reaches a predetermined level.

7. The method of claim 1, further comprising:

calculating new reference values using the received values.

8. The method of claim 7, wherein calculating new reference values involves using an optimization algorithm.

9. The method of claim 8, wherein the optimization algorithm minimizes a total error resulting from comparing a plurality of sets of received values to the new reference values or maximizes the measure of authenticity for a plurality of sets of received values compared to the new reference values.

10. The method of claim 7, wherein the received values used to calculate the new reference values are received values for the document that has previously been authenticated.

11. The method of claim 10, wherein the new reference values are created after N authentic input signatures have been received.

12. A computer program product comprising a computer readable medium encoded with a plurality of instructions for controlling a computing system to perform a method for authenticating a document that includes a magnetic stripe having a distinct magnetic noise characteristic, wherein the magnetic noise characteristic occurs over one or more predetermined segments of the magnetic stripe, the instructions comprising:

receiving a set of values representing a present magnetic noise characteristic of the document;

comparing the received values to reference values, wherein the comparing includes;

determining an error for each received value, wherein each error includes a sum of contributions, each contribution corresponding to a respective set of previously received values representing a previous magnetic noise characteristic of the document, each respective set of previously received values being received at a different time as part of a respective authentication of the document;

based on the comparison, providing a measure of an authenticity of the document; and

updating the reference values with the received set of values representing the present magnetic noise characteristic, wherein the present magnetic noise characteristic includes additional noise introduced into the magnetic stripe resulting from use of the document since a prior update of the reference values.

13. The computer program product of claim 12, wherein each contribution includes a difference between a received value and a corresponding value of a respective set of previously received values.

14. The computer program product of claim 12, wherein determining an error for each received value includes:

calculating a sum of the corresponding values of the previously received sets; and

determining a difference between the received value and the corresponding sum.

15. The computer program product of claim 12, further comprising:

comparing the measure to a threshold to determine a category of authenticity of the documents; and

updating the threshold based on the received values.

16. The computer program product of claim 12, further comprising:

calculating new reference values using the received values.

17. A system for authenticating a document that includes a magnetic stripe having a distinct magnetic noise characteristic, wherein the magnetic noise characteristic occurs over one or more predetermined segments of the magnetic stripe, the system comprising:

an input for receiving a set of values representing a present magnetic noise characteristic of the document;

a processor communicably coupled with the input, the processor configured to;

compare the received values to reference values, wherein the comparing includes;

determining an error for each received value, wherein each error includes a sum of contributions, each contribution corresponding to a respective set of previously received values representing a previous magnetic noise characteristic of the document, each respective set of previously received values being received at a different time as part of a respective authentication of the document;

based on the comparison, provide a measure of an authenticity of the document; and

updating the reference values with the received set of values representing the present magnetic noise characteristic, wherein the present magnetic noise characteristic includes additional noise introduced into the magnetic stripe resulting from use of the document since a prior update of the reference values.

18. The system of claim 17, wherein each contribution includes a difference between a received value and a corresponding value of a respective set of previously received values.

19. The system of claim 17, wherein determining an error for each received value includes:

calculating a sum of the corresponding values of the previously received sets; and

determining a difference between the received value and the corresponding sum.

20. The system of claim 17, wherein the processor is further configured to:

comparing the measure to a threshold to determine a category of authenticity of the documents; and

updating the threshold based on the received values.

21. The system of claim 17, wherein the processor is further configured to:

calculate new reference values using the received values.