EP0744715A2 - Acquisition et utilisation des caractéristiques personelles d'identification à un terminal de service - Google Patents

Acquisition et utilisation des caractéristiques personelles d'identification à un terminal de service Download PDF

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Publication number
EP0744715A2
EP0744715A2 EP96303420A EP96303420A EP0744715A2 EP 0744715 A2 EP0744715 A2 EP 0744715A2 EP 96303420 A EP96303420 A EP 96303420A EP 96303420 A EP96303420 A EP 96303420A EP 0744715 A2 EP0744715 A2 EP 0744715A2
Authority
EP
European Patent Office
Prior art keywords
user
item
service terminal
terminal
characteristic
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
EP96303420A
Other languages
German (de)
English (en)
Other versions
EP0744715A3 (fr
Inventor
John Stewart Denker
Craig R. Nohl
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
NCR International Inc
Original Assignee
AT&T Corp
AT&T IPM Corp
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by AT&T Corp, AT&T IPM Corp filed Critical AT&T Corp
Publication of EP0744715A2 publication Critical patent/EP0744715A2/fr
Publication of EP0744715A3 publication Critical patent/EP0744715A3/fr
Withdrawn legal-status Critical Current

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Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/24—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature
    • G07C9/247—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder by means of a handwritten signature electronically, e.g. by comparing signal of hand-writing with a reference signal from the pass
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/22—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder
    • G07C9/25—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition
    • G07C9/257—Individual registration on entry or exit involving the use of a pass in combination with an identity check of the pass holder using biometric data, e.g. fingerprints, iris scans or voice recognition electronically
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/201—Accessories of ATMs
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F19/00—Complete banking systems; Coded card-freed arrangements adapted for dispensing or receiving monies or the like and posting such transactions to existing accounts, e.g. automatic teller machines
    • G07F19/20—Automatic teller machines [ATMs]
    • G07F19/205—Housing aspects of ATMs

Definitions

  • This disclosure relates to pattern recognition, and more particularly relates to automatically providing personal identifying indicia to items dispensed from service terminals.
  • signature verification includes the use of a pen input device to capture an electronic version of a user's signature at an apparatus incorporating the input device when the user requests access.
  • the captured version of the user's signature is used to verify the user's identity by comparing it to a stored version of the user's signature on file. Verification is used, for example, to complete a questionable user transaction.
  • the present disclosure provides a service terminal with the ability to capture a user's identity in some form and to attach a security mark derived from the captured identity to an item to be dispensed to the user from the terminal.
  • the service terminal may include electronic means for verifying the user's identity after capture by comparing the captured identity to a stored electronic version of the user's identity, or by any other method of authorized user identification.
  • Multiple personalized items may be issued from the terminal with substantially similar indicia, for example, sequentially numbered and secured negotiable financial instruments.
  • a method is disclosed to provide security to a document for automatic dispensing that includes first capturing a characteristic representative of an authorized receiver of the item. The characteristic is then digitized within digitizing means and then processed to provide some form of identifying mark or indicium to the document, based on the captured characteristic, before the document is dispensed to the receiver. The digitized characteristic may be verified before the document is dispensed to determine the authenticity of the receiver's authority to receive the document.
  • the document may be any kind of document; for example, a negotiable instrument such as a traveler's check.
  • the person who receives the items from the service terminal need not be the person whose identity is marked thereon; for example, a secretary may be authorized to receive the traveler's checks of his/her employer, but only the employer is authorized to cash them.
  • the step of capturing the characteristic may include capturing a signature or a form of photographic or electronic image of the authorized receiver or guarantor of the document, for example, using a signature input device or electronic camera, respectively.
  • the term "electronic" for imaging systems described herein is defined to include video imaging.
  • the captured characteristic may be stored in a memory at the accessed terminal or at a distinct, centralized or remote location.
  • the memory or database may be accessed by one or multiple users.
  • the providing of forms of identifying indicia preferably includes scaling the characteristic to at least approximately fit into a particular space allocated for the indicia on the item to be dispensed.
  • Another example provides a self-service terminal for dispensing documents identified with a security indicium derived from the capture of some physical identifying feature of the terminal's current user.
  • the identifying feature is not limited to that feature captured during contemporaneous use, but may be a predetermined or predefined indicium.
  • the terminal includes a device for generating an image in response to the user's input, and means for providing the security indicium derived from the generated image in some form on the document to identify the document with the user.
  • the terminal includes means for digitizing the identifying feature and means for verifying that the user providing the identifying feature is authorized to receive the document to be dispensed.
  • the image generating device may include a signature input device, such as a tablet, with the captured identifying feature being the user's signature.
  • the providing means affixes or prints the user's signature to the document.
  • the image generating device may also include an electronic camera or other means for capturing an electronic or photographic image of a portion of the user's person.
  • the providing means includes means for printing or affixing the security indicia derived from the electronic image, the captured signature, or both, to the document in a form that is either visible or invisible to the human eye.
  • a service terminal captures a current terminal user's identification in some form and dispenses an item from the terminal upon which a security indicium is marked.
  • the indicium may or may not be visible to the naked eye, but is derived from the captured identification either directly or indirectly.
  • the indicium may be derived from a voice recognition device which captures a portion of a user's speech for recognition or authorization.
  • the service terminal is a self-service terminal.
  • self-service terminal refers to any type of apparatus that provides access to an authorized user such as a commuter ticket dispenser or an automatic teller machine from which an item is dispensed without the need for human intervention.
  • the term "communication”, as used herein, may be any manner of communication such as electronic, optical, infrared, etc.
  • item refers to any type goods, such as negotiable financial instruments, personalized tickets, personalized goods, etc. which can be dispensed by a service terminal, such as a vending machine, with or without an attendant.
  • a banking self-service terminal dispenses traveler's checks with a user's pre-printed signature.
  • the security indicium derived from the capture of a user's identifying characteristic by the terminal is not limited to a user's signature, but may take any number of forms depending on the capture means available at the terminal.
  • a photographic identification of the user, the user's signature, the user's fingerprint, etc. may be captured and used to form all or part of the user's security indicium.
  • a predetermined indicium stored or otherwise accessed by the terminal may be provided to the item for dispensing.
  • Numerous methods may be used to verify the identity and/or authority of a user of a service terminal before the terminal dispenses a requested item. For example, personal identification card and keypad-entered personal identification numbers may be used.
  • the service terminal may capture a user identification in some form and use it to verify that the user is authorized to receive the item to be dispensed.
  • a prior version of a captured user identification indicium may be stored in a memory such as a database and utilized during a contemporaneous transaction to identify the user.
  • the memory may be local, that is, located within the terminal in current use, or may be remotely stored in a memory such as a database at a centralized or remote location.
  • Stored therein may be information derived from but not necessarily identical to the previously captured user identification.
  • the derived information may be in any form suitable for use in user recognition; for example, neural network parameters may be stored for corresponding neural network recognition.
  • an electronically digitized signature contemporaneously captured at a terminal in use may be compared with a previously captured signature version which is on file in a memory located at the terminal or elsewhere.
  • a stored photographic facsimile of the user may be compared with a contemporaneously captured image of the user.
  • Such memory-stored characteristics may not be sufficient to reconstruct the exact captured indicium. While means for controlling the example service terminal are typically resident within the terminal, control may also be implemented from a point outside the terminal.
  • FIG. 1A shows a first embodiment of a service terminal 100.
  • Service terminal 100 is a self-service terminal; that is, requiring no attendant input, that captures and uses a personal identification feature provided by the terminal's current user to generate a security or identifying indicium associated with the personal identification feature for affixation to an item to be dispensed from the terminal.
  • the following disclosure refers to the item to be dispensed from the terminal, for example, as a document such as traveler's check.
  • the service terminal affixes security indicia to any item or items dispensable from a service terminal, either self-service or attended.
  • the indicium may be visible or invisible to the handler of the document.
  • the security indicium may include an invisible bar code or magnetic code which is readable by a point-of-sale terminal.
  • Terminal 100 includes a signature input device, such as a pen input device 110, operatively connected to an image formatter 120 and a controller 130.
  • the signature input device captures the user's signature and provides the input in electronic form, in accordance with instructions from controller 130, to the image formatter.
  • Means for user input such as a keyboard may also be included to provide for user/terminal interaction such as challenge/response identification of identity.
  • An ID card reader 112 may also be included to input card-contained user identification characteristics.
  • the image formatter 120 in accordance with instructions from controller 130, generates an electronic version of the customer's signature as a security image to be automatically printed or stamped on a document, such as traveler's check.
  • a printer/dispenser 140 operatively connected to controller 130 and image formatter 120, receives the formatted security image.
  • the formatted security image is provided to the printer/dispenser 140 in a sufficient size for affixation the document, and control information defining a location on the document for the affixation is also provided to the printer/dispenser 140.
  • the security image may or may not be clearly visible to the naked eye on the marked item.
  • the signature input device 110 of self-service terminal 100 includes means for digitizing the user's captured signature and means for verifying that the signature is from an authorized user. Any method and apparatus for capturing a user's signature may be utilized herein.
  • an electronic form of the user's signature previously stored within a memory accessible by controller 130, is compared with the contemporaneously captured signature to determine authorization.
  • the current user's captured signature also may be stored in memory for later use. Based on the comparison, the terminal either receives or fails to receive authorization to dispense the document with the identification indicium to the user.
  • Encoding means may be provided, such as disclosed in U.S. Patent No. 5,268,963, issued December 7, 1993, which is incorporated herein by reference, which describes a system for encoding personalized identification for storage on memory storage devices.
  • FIG. 1B depicts a terminal 150 which is a variation of the self-service terminal of FIG. 1A described above.
  • Terminal 150 includes means for accessing a centralized information storage 160 operatively connected to the controller 130.
  • the centralized information storage may be a computer or some type of memory storage device that is remotely located and operatively accessible by terminal 150. Accordingly, terminal-captured electronic signatures may be transferred to/from the storage device according to requirements of the transaction. or used to verify the contemporaneous user's signature.
  • the electronically stored signatures may also be affixed to a document to be dispensed. While the examples described with regard to FIGS. 1A-1B above refer to individual items such as documents for dispensing, multiple item dispensing may also be performed.
  • FIG. 2A depicts another example of a service terminal 170 as a self-service terminal that includes all the elements and interconnections of self-service terminal 100 of FIG. 1A, provided that a camera 115, such as a digital camera, is used within terminal 170 in lieu of signature input device 110 for capturing and inputting the user's image.
  • Camera 115 is operatively connected to controller 130 and image formatter 120.
  • an electronic or photographic image of the user is input and formatted within the image formatter to provide a formatted image which is directed to printer/dispenser 140.
  • the formatted security image is attached or printed at a specified portion of the item before it is dispensed to the user.
  • the captured user image may be stored electronically within a memory, such as within a database allocated for electronic, photographic or image storage for later use by the terminal.
  • Self-service terminal 180 of FIG. 2B includes each of the elements of self-service terminal 170 of FIG. 2A, and further includes means for accessing a centralized information storage 161 by the terminal.
  • Centralized information storage 161 is electronic storage means which may be remotely located and operatively connected to the terminal 180.
  • Centralized storage 161 is capable of providing an image to, or receiving an image from, the terminal using controller 130.
  • the image provided from storage 161 may be used to generate a security mark such as a user's photographic facsimile to identify a document to be dispensed with the user.
  • the controller 130 in either of terminals 170, 180 may include means for processing to verify that the user is authorized to complete the requested transaction. The verification may include comparing an image previously stored in either a local memory or a memory at a remote location to the contemporaneously captured photographic identification of the user.
  • FIG. 3A depicts another embodiment of a service terminal 190 as a self-service terminal that includes a image formatter 120, a controller 130 and a printer/dispenser 140, as in the previously described embodiments.
  • the example of FIG. 3A also includes both a camera 115 and a pen signature input device 110.
  • User input such as a signature is provided by the user to the signature input device 110 and an electronic or photographic image is provided by the user to the camera 115.
  • the electronic image and electronic signature is in a digital format when provided to controller 130 and image formatter 120.
  • Image formatter 120 processes the digitized user image and digitized user signature to format security identifiers for affixation to or printing upon a document to be dispensed.
  • a signature, an electronic image of a user, or both may be provided to the document to be dispensed.
  • the user's indicia are affixed to the document for use as a security mark enabling the document to be used as a picture ID, such as a driver's license, passport, etc.
  • the user's identification may be first verified, as discussed above, by comparing the contemporaneously captured electronic signature, or electronic image, or both, to electronically stored versions of the same.
  • a self-service terminal 200 is depicted in FIG. 3B, which is a variation of the terminal 190 of FIG. 3A described above.
  • Self-service terminal 200 includes all the elements of terminal 190, and further includes means for accessing a centralized information storage 162.
  • the centralized information storage 162 may be utilized by an individual terminal, such as terminal 200, within a system that includes multiple user-access terminals, and the centralized information storage 162 may be remotely located.
  • the user's electronic image, electronic signature, or both may be stored in a memory as a database at the centralized storage and provided via electronic communication means to each of the system terminals. Communication is not limited to electronic communication, and may be provided by any type of communication method.
  • Access to centralized information storage 162 enables the controller 130 in terminal 200 to compare the contemporaneously captured electronic image or electronic signature (or both) with centrally stored versions of the same to verify contemporaneous user authenticity.
  • the contemporaneously captured electronic identifiers may be stored for later use at either a terminal-contained memory or a memory at the remote location.
  • controller 130 in each of the embodiments described above may be any means for controlling user access to any of the above-mentioned devices, or their equivalents, including communication interfaces operatively connected to the terminal interface and a controller at a location distinct from that of the self-service terminal.
  • the terminal may also accept an item from the user upon which the identifier is to be affixed. For example, a coupon for redemption may be assessed based on some condition, and marked according to the assessment when presented by the user. The marked item is then provided to the user.
  • the indicia or indicium provided to the items may be generated from a captured user characteristic or identification, or may be provided as a predetermined indicium after user access is authorized or determined. While the characteristic displayed on the item is typically a single indicium, the item may be marked or identified with more than one indicium.
  • An example of the items dispensed from the terminal may be an arrangement where an authorized item marked with a first security indicium may require further authorization from more than one user at some later stage of the authorized item's use.
  • An example of such a transaction involves a traveler's check requiring multiple user signatures such that a user possessing the multiple "authorized" item, such as the multiple-endorsed traveler's check, may be one of a plurality of users authorized to possess or transfer the check.
  • the plurality of people may be required to jointly authorize the use of the document; for example, a traveler's check may require countersignatures from one or more people. Depending on predetermined rules, some or all of the people whose indicia are represented on the document, as well as other people, may participate in the authorization.

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  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Engineering & Computer Science (AREA)
  • Human Computer Interaction (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Character Discrimination (AREA)
  • User Interface Of Digital Computer (AREA)
EP96303420A 1995-05-25 1996-05-15 Acquisition et utilisation des caractéristiques personelles d'identification à un terminal de service Withdrawn EP0744715A3 (fr)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
US450592 1982-12-17
US45059295A 1995-05-25 1995-05-25

Publications (2)

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EP0744715A2 true EP0744715A2 (fr) 1996-11-27
EP0744715A3 EP0744715A3 (fr) 1999-03-17

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EP96303420A Withdrawn EP0744715A3 (fr) 1995-05-25 1996-05-15 Acquisition et utilisation des caractéristiques personelles d'identification à un terminal de service

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EP (1) EP0744715A3 (fr)
JP (1) JPH0969138A (fr)
CA (1) CA2176406A1 (fr)

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1999036889A3 (fr) * 1998-01-16 2000-02-17 Nexus Corp S A Systeme de transactions
WO2000028484A1 (fr) * 1998-11-11 2000-05-18 Ncr International, Inc. Terminal libre-service pour controler l'acces a une installation
WO2000039759A1 (fr) * 1998-12-24 2000-07-06 Moshe Milner Systeme et procede de verification de carte de credit
DE19923807A1 (de) * 1999-05-19 2000-11-23 Deutsche Telekom Ag Verfahren zur Erhöhung der Sicherheit bei digitalen Unterschriften
GB2372961A (en) * 2001-01-06 2002-09-11 Richard Gerald Enston Card security system
WO2014008327A3 (fr) * 2012-07-03 2014-02-20 Tony Collins Terminal spécialisé avec capture vidéo intégrée au point de vente pour la prévention de la fraude associée à des produits ou services achetés

Families Citing this family (2)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2004090740A1 (fr) 2003-04-03 2004-10-21 Commvault Systems, Inc. Systeme et procede de partage dynamique de supports dans un reseau informatique
CN106934408A (zh) * 2015-12-29 2017-07-07 北京大唐高鸿数据网络技术有限公司 基于卷积神经网络的身份证照片分类方法

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US5109426A (en) 1989-11-10 1992-04-28 National Research Development Corporation Methods and apparatus for signature verification
US5111512A (en) 1991-05-14 1992-05-05 At&T Bell Laboratories Method for signature verification
US5202930A (en) 1989-09-05 1993-04-13 Alexander Livshitz High precision on-line signature dynamic verification system
US5251265A (en) 1990-10-27 1993-10-05 International Business Machines Corporation Automatic signature verification
US5257320A (en) 1983-05-31 1993-10-26 Rocc Computers Limited Signature verification system

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JPS5617465A (en) * 1979-07-24 1981-02-19 Nec Corp Identification system
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FR2568039B1 (fr) * 1984-07-18 1986-12-26 Cable Print Nv Station automatique securisee pour l'impression et la delivrance de documents
WO1986007480A1 (fr) * 1985-06-11 1986-12-18 Media Net Ltd. Procede et appareil de preparation de cheques, d'ordres de paiement ou de cartes de credit
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EP0569171A1 (fr) * 1992-05-08 1993-11-10 Moore Business Forms, Inc. Procédé et appareil d'impression de photographies sur des documents
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Publication number Priority date Publication date Assignee Title
US5257320A (en) 1983-05-31 1993-10-26 Rocc Computers Limited Signature verification system
US5202930A (en) 1989-09-05 1993-04-13 Alexander Livshitz High precision on-line signature dynamic verification system
US5109426A (en) 1989-11-10 1992-04-28 National Research Development Corporation Methods and apparatus for signature verification
US5251265A (en) 1990-10-27 1993-10-05 International Business Machines Corporation Automatic signature verification
US5111512A (en) 1991-05-14 1992-05-05 At&T Bell Laboratories Method for signature verification

Cited By (9)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO1999036889A3 (fr) * 1998-01-16 2000-02-17 Nexus Corp S A Systeme de transactions
US7058603B1 (en) 1998-01-16 2006-06-06 Nexus Corporation Sa. Transaction system
WO2000028484A1 (fr) * 1998-11-11 2000-05-18 Ncr International, Inc. Terminal libre-service pour controler l'acces a une installation
WO2000039759A1 (fr) * 1998-12-24 2000-07-06 Moshe Milner Systeme et procede de verification de carte de credit
US6912312B1 (en) 1998-12-24 2005-06-28 Moshe Milner Credit card verification system and method
DE19923807A1 (de) * 1999-05-19 2000-11-23 Deutsche Telekom Ag Verfahren zur Erhöhung der Sicherheit bei digitalen Unterschriften
GB2372961A (en) * 2001-01-06 2002-09-11 Richard Gerald Enston Card security system
GB2372961B (en) * 2001-01-06 2004-09-01 Richard Gerald Enston Automated teller machine card security system
WO2014008327A3 (fr) * 2012-07-03 2014-02-20 Tony Collins Terminal spécialisé avec capture vidéo intégrée au point de vente pour la prévention de la fraude associée à des produits ou services achetés

Also Published As

Publication number Publication date
CA2176406A1 (fr) 1996-11-26
JPH0969138A (ja) 1997-03-11
EP0744715A3 (fr) 1999-03-17

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