Authenticity Verification

• US 20070027819A1
• Filed: 07/27/2006
• Published: 02/01/2007
• Est. Priority Date: 07/27/2005
• Status: Abandoned Application

• Current Assignee: Ingenia Holdings Limited
• Original Assignee: Ingenia Holdings Limited
• Inventors: Buchanan, James, Cowburn, Russell
• Application Number:
  US11/460,544
• Publication Number:
  US 20070027819A1
• Time in Patent Office: Days
• US Class Current: 705/67
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• CPC Class Codes: G06Q 20/3674 involving authentication
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06V 20/80 Recognising image objects characterised by unique random patterns

Abstract

A method for authenticity verification. The method can comprise conducting a transaction between first and second parties, the parties being respectively located at first and second locations remote one-another, the outcome of the transaction being the transfer of title to goods and/or services from the first party to the second party. Data describing a value entitlement token of the second party can be captured to create a signature for the value entitlement token, the signature being based upon an intrinsic property of the value entitlement token. The signature can be transmitted from the second party to a third party which can compare the signature to a database of stored signatures. A validation result indicating whether the value entitlement token corresponds to a value entitlement token signature in the database can be transmitted from the third party to the first party.

Claims

1. A method for authenticity verification, the method comprising:

conducting a transaction between first and second parties, the parties being respectively located at first and second locations remote one-another, the outcome of the transaction being the transfer of title to goods and/or services from the first party to the second party;

capturing data describing a value entitlement token of the second party to create a signature for the value entitlement token, the signature being created by directing a coherent beam onto the value entitlement token, collecting a set comprising groups of data points from signals obtained when the coherent beam scatters from the value entitlement token, wherein different ones of the groups of data points relate to scatter from respective different parts of the value entitlement token, and processing the set of groups of data points;

transmitting the signature from the second party to a third party;

comparing the signature to a database of stored signatures at the third party; and

transmitting from the third party to the first party a validation result indicating whether the value entitlement token corresponds to a value entitlement token signature in the database.

2. The method of claim 1, wherein the first and third parties are co-located.

3. The method of claim 1, wherein the outcome of the transaction is dependent upon the validation result.

4. The method of claim 1, wherein the value entitlement token is at least one of a credit card, a debit card, a loyalty card, a voucher, a certificate and a token.

5. The method of claim 1, wherein the third party is a payment clearing authority.

6. The method of claim 1, further comprising transmitting from the second party to the first party data describing the value entitlement token and/or a user thereof.

7. The method of claim 6, further comprising comparing the data describing the value entitlement token and/or the user to a database describing invalid value entitlement tokens and/or users to create an authorisation result.

8. The method of claim 7, wherein the outcome of the transaction is dependent upon a combination of the validation result and the authorisation result.

9. The method of claim 1, wherein the comparing comprises:

splitting the signature into blocks of contiguous data and performing a comparison operation between each block and respective blocks of stored ones of the signatures from the database of stored signatures.

10. The method of claim, 1 wherein, in the event that the comparison step indicates substantial identity between attributes of the signature and a signature from the database of stored signatures, a positive validation result is returned.

11. The method of claim 1, wherein, in the event that the comparison step does not indicate substantial identity between attributes of the signature and a signature from the database of stored signatures, a negative validation result is returned.

12. The method claim 1, wherein the signatures in the database of stored signatures include a signature of the value entitlement token made from a scan of the value entitlement token previous to the commencement of the transaction.

13. The method of claim 1, wherein the first location comprises an e-commerce server or a computer terminal.

14. The method of claim 1, wherein the second location comprises a computer terminal.

15. A system for authenticity verification, the system comprising:

first and second computer systems remote one-another and operable to communicate therebetween via a data communications channel, wherein the first computer system is operable to enable a user at the second computer system to conduct a transaction with the first computer system, the outcome of the transaction being the provision by the first computer system to the user of entitlement to goods and/or services;

a signature generator co-located with the second computer system and operable to create a signature for a value entitlement token of the user, the signature generator operable to create the signature by directing a coherent beam onto the value entitlement token, collecting a set comprising groups of data points from signals obtained when the coherent beam scatters from the value entitlement token, wherein different ones of the groups of data points relate to scatter from respective different parts of the value entitlement token, and processing the set of groups of data points, the second computer system being operable to transmit the signature to a third computer system;

the third computer system being operable to compare the signature to a database of stored signatures, to produce a validation result indicating whether the value entitlement token corresponds to a value entitlement token signature in the database and the third computer system being further operable to transmitting the validation result to the first computer system.

16. The system of claim 15, wherein a single computer system comprises the first and third computer systems.

17. The system of claim 15, wherein the outcome of the transaction is dependent upon the validation result.

18. The system of claim 15, wherein the value entitlement token is at least one of a credit card, a debit card, a loyalty card, a voucher, a certificate and a token.

19. The system of claim 15, wherein the third computer system is representative of a payment clearing authority.

20. The system of claim 15, wherein the second computer system is further operable to transmit data describing the value entitlement token and/or data describing a user thereof to the first computer system.

21. The system of claim 20, wherein the first computer system is further operable to cause the data describing the value entitlement token and/or the user to a database describing invalid value entitlement tokens and/or users to create an authorisation result.

22. The system of claim 21, wherein the outcome of the transaction is dependent upon the validation result and the authorisation result.

23. The system of claim 15, wherein the third computer system is operable to split the signature into blocks of contiguous data and to perform a comparison operation between each block and respective blocks of stored ones of the signatures from the database of stored signatures.

24. The system of claim 15, wherein the validation result is positive if there is determined to be substantial identity between the signature and a signature from the database of stored signatures.

25. The system of claim 15, wherein the validation result is negative if there is determined not to be substantial identity between the signature and a signature from the database of stored signatures.

26. A method for authenticating a value transfer token, the method comprising:

scanning a value transfer token, selected from a group comprising a credit card, a bank card, a loyalty card, a voucher, a certificate and a token, to create a signature by directing a coherent beam onto the value transfer token, collecting a set comprising groups of data points from signals obtained when the coherent beam scatters from the value entitlement token, wherein different ones of the groups of data points relate to scatter from respective different parts of the value entitlement token, and processing the set of groups of data points;

transmitting the signature to a comparison entity operable to compare the signature to a database of stored signatures; and

creating an authentication result based upon an outcome of the comparison.

27. The method of claim 26, further comprising:

transmitting data describing the token and/or a token holder to a validation entity;

comparing the data to a database of invalid tokens and/or token holders; and

creating a validation result based upon an outcome of the comparison.

28. The method of claim 27, wherein the database of stored signatures and the database of invalid tokens and/or token holders are a single database.

29. The method of claim 27, further comprising using the authentication result and the validation result to determine whether the token is to be accepted as payment.