Credit document connected to a document or customized card, independent customized credit card and associated issuance and validation equipment

• US 6,010,068 A
• Filed: 01/30/1997
• Issued: 01/04/2000
• Est. Priority Date: 08/10/1994
• Status: Expired due to Fees

• Current Assignee: Nadir Technology Company Limited
• Original Assignee: Nadir Technology Company Limited
• Inventors: Bozzo, Ferdinando
• Primary Examiner(s): Pitts, Harold I.
• Application Number:
  US08/776,417
• Time in Patent Office: 1,069 Days
• Field of Search: 235/379, 235/380, 235/382, 235/382.5
• US Class Current: 235/380
• CPC Class Codes: G06Q 20/042 characterized in that the payment protocol involves at least one cheque
• 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: G07C 9/257 electronically G07C9/26 takes precedence
• 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

Abstract

A credit document connected to a customized document or card is formed of a watermarked paper support with at least one dotted safety coding in linear and cryptographic form on the basis of a key consisting of an individual code. The customized document or card incorporates a microchip for the memorization of the identification code and of at least one mathematical expression which encodes the fingerprint of one or more fingers of the user. The equipment for formation of the customized document or card, the credit documents and related validation includes a scanner for taking said fingerprints, compared with those of the owner of the customized document or card upon issuance of the document and during use at the point of sale. The watermarked paper support exhibits one or more copper-plate engraving print reliefs measured by a micrometric sensor integrated in the validation equipment. A customized credit card calls for memorization of the same parameters encoded in the related microchip.

Claims

1. A credit document (10) relating to a transaction and connectable to a customized document or card (22) or independent customized credit card including a microchip, said credit document (10) comprising a watermarked paper support (12) with copper-plate engraving print provided with a biometric code related to at least one fingerprint of a regular owner of the credit document, wherein said credit document (10) is provided with at least one safety code referring to data of said transaction expressed in two fields (14, 16) based on a key consisting of a personal identification code, and wherein the microchip of the customized document or card (22) or independent customized credit card is provided with the personal identification code in the form of an alphanumeric sequence and with at least one mathematical expression which encodes parameters associated with said at least one fingerprint coded on the credit document.

2. The credit document according to claim 1, wherein the safety codes are expressed in linear dotted form.

3. The credit document according to claim 1, wherein the safety codes are expressed in cryptographic form.

4. The credit document according to claim 1, wherein the identification code is generated by issuer'"'"'s information system and consists of an alphanumeric sequence.

5. The credit document according to claim 1, wherein the safety codes are applied by indelible ink on the watermarked paper support (12) further provided with at least one copper-plate engraving print relief.