Vertification system for credit or bank card or the like

• US 5,241,600 A
• Filed: 07/16/1991
• Issued: 08/31/1993
• Est. Priority Date: 07/16/1991
• Status: Expired due to Term

• Current Assignee: TM Patents LP
• Original Assignee: Thinking Machines Corporation (Oracle Corporation)
• Inventors: Hillis, W. Daniel
• Primary Examiner(s): CANGIALOSI, SALVATORE A
• Application Number:
  US07/730,713
• Time in Patent Office: 777 Days
• Field of Search: 380/23-25, 380/54
• US Class Current: 713/186
• CPC Class Codes: G06Q 20/347 Passive cards
• 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 7/125 Offline card verification
• CPC Class Codes: H04L 2209/56 Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 9/3231 Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861

Abstract

A verification system for verifying authorized use of a credit or bank card or other identification card. The verification system makes use of an image embossed on or laminated onto a card, and information stored on a magnetic strip or other storage arrangement laminated onto or otherwise affixed to the card. The information stored on the card is related to the image embossed on the card. A card reader reads the image and generates a information defining the image. In addition, the card reader reads the information and compares it to the image signature to determine if they conform. Further use of the card may be based on the degree of comparison between the information read from the card and the image signature.

Claims

1. A verification system for verifying that an identification card, such as a bank or credit card or the like is not a counterfeit and for further verifying that a user of the identification card is an authorized user, comprising:

A. the identification card including;

i. an image including predetermined indicia representative of a selected characteristic of the authorized user, and

ii. a digital information store for storing information comprising a digital encoding representing said image;

B. a card reader including

i. an image reader for generating digital encoding representing said image in response to said image;

ii. an information store reader for retrieving said digital information from said information store; and

iii. a comparator for comparing the digital encoding generated by said image reader to the digital information retrieved by said information store reader and for generating in response to the comparison an indication identifying a degree of correspondence there between wherein the degree of correspondence as determined by the comparator verifies the counterfeit status of the identification card, and the user is verified as the authorized user by comparison of the predetermined indicia with the selected characteristic of the user.

2. A verification system as defined in claim 1 in which the information stored in said information store is in encrypted form, said information store reader including a decryption circuit for performing a decryption operation in connection with a decryption key to generate decrypted information, said comparator using said information.

4. A card as defined in claim 1 in which the information stored in said information store is in encrypted form.

3. For use in a verification system for verifying that an identification card, such as a bank or credit card or the like is not a counterfeit and for further verifying that a user of the identification card is an authorized user, a card including:

A. an image including predetermined indicia representative of a selected characteristic of the authorized user, and

B. a digital information store for storing information comprising a digital encoding representing said image wherein the degree of correspondence between digital encoding represent said image and said digital information in said digital information store relating to the image verifies the counterfeit status of the identification card, and the user is verified as the authorized user by comparison of the predetermined indicia with the selected characteristic of the user.

5. For use in connection with an identification card, such as a bank or credit card or the like, the identification card including an image including predetermined indicia representative of a selected characteristic of an authorized user, and an information store for storing information representing said image, a card reader including

A. an image reader for generating digital encoding representing said image in response to said image;

B. an information store reader for retrieving digital information from the digital information store; and

C. a comparator for comparing the digital encoding generated by said image reader to the digital information retrieved by said information store reader and for generating in response to the comparison an indication identifying a degree of correspondence there between

wherein the degree of correspondence as determined by the comparator verifies the counterfeit status the identification card, and the user is verified as the authorized user by comparison of the predetermined indicia with the selected characteristic of the authorized user.

6. A card reader as defined in claim 5, in which the information stored in said information store is in encrypted form, said information store reader including a decryption circuit for performing a decryption operation in connection with a decryption key to generate decrypted information, said comparator using said information.