Abstract: An apparatus that operates to cause financial transfers responsive to data read from data bearing records, includes a processor that is in operative connection with a card reader and a touch screen display. The processor can cause the card reader to read card data from a user card, and can determine whether the read card data corresponds to an authorized financial account. Without the touch screen display surface visibly providing indicia that corresponds to a desired character, the user can still input the character through user contact with the touch screen display surface. The processor can resolve the desired character from the user contact.

Abstract: A card actuated automated banking machine (10) is operative to early out financial transactions responsive to data included on user cards. The banking machine includes a user interface (15) including a display (24). The user interface includes a card reader (16) which is operative to read data on user cards which identify at least one of user and a user's financial accounts. A fascia of the machine includes a keypad (404, 438, 458) through which users input confidential data. Covers (400, 422, 430) prevent unauthorized persons from viewing confidential inputs to the keypad. Authorization signals assure that the display is operating in a manner that provides appropriate user instructions. A visual indicator is operative to indicate to a user that keypad inputs are being encrypted. Alternatively a touch screen display module (608) is operative to securely receive manual inputs and/or card data.

Abstract: A mobile device includes a housing and an antenna mounted in or on the housing. The antenna is for transmitting and receiving transaction signals to and from a point of sale (POS) terminal. The device also includes at least one user interface element mounted on the housing and a transceiver mounted in the housing and coupled to the antenna. Still further, the device includes a secure element mounted in the housing. The secure element is coupled to the transceiver and stores a payment application program. The payment application program is for handling exchanging of the transaction signals with the POS terminal. A tick counter is operated within the secure element. The tick counter is for enforcing at least one time-out period with respect to transactions handled by the payment application program.

Abstract: Systems, methods, and interfaces for screening clients for security compliance with a Customer Identification Program are disclosed. An illustrative system for screening clients can include a client screening engine adapted to filter client account data based on one or more filtering criteria, a database adapted to store client account information and verification status information, and a graphical user interface adapted to selectively display client account information and verification status information for one or more selected clients on a screen. The system can be used to submit identity verification requests to Customer Identification Program vendors for only those clients whose identity have not been verified.

Abstract: According to one aspect, the invention provides a system for authenticating identities of a plurality of users. In one embodiment, the system includes a first handheld device including a wireless transceiver which is configured to transmit authentication information, a second device including a wireless receiver, where the second device is configured to receive the authentication information.

Abstract: A method of identifying a living being includes using a camera to capture a blurred visual image of an iris of the living being. The blurred visual image is digitally unblurred based on a distribution of eye image gradients in an empirically-collected sample of eye images and characteristics of pupil region. The unblurred image is processed to determine an identity of the living being.

Abstract: Described herein are processes and devices that integrate social contact identifiers into wagering games. One of the devices described is a social contact identifier integrator. The social contact identifier integrator can display one or more elements of a wagering game, such as graphics that are part of, or connected to, the wagering game. A player of the wagering game can have a social network account that has one or more related social network accounts, such as friends or acquaintances. The social contact identifier integrator selects a social contact identifier from one of the related social network accounts and integrates the social contact identifier into the wagering game. The social contact identifier integrator can also determine and assign rewards to the player or to the related social network account whose social contact identifier appeared in the wagering game.

Abstract: A system and method for verifying the age of a controlled substance purchaser are disclosed. The system and method in an example embodiment include receiving biometric data corresponding to a consumer who has presented an age-restricted product for purchase at a point of sale location; generating an age verification request including the biometric data; sending the age verification request to a central computer via a data network; receiving a response message from the central computer via the data network, the response message including information for determining whether the consumer is of sufficient age to purchase the age-restricted product; and denying purchase of the age-restricted product if the consumer is determined to not be of sufficient age to purchase the age-restricted product.

Abstract: In one embodiment, a user device is configured to allow a user to select any one of a plurality of accounts associated with the user to employ in a financial transaction. In one embodiment, the user device includes a biometric sensor configured to receive a biometric input provided by the user, a user interface configured to receive a user input including secret information known to the user and identifying information concerning an account selected by the user from the plurality of accounts. In a further embodiment, the user device includes a communication link configured to communicate with a secure registry, and a processor coupled to the biometric sensor to receive information concerning the biometric input, the user interface, and the communication link.

Abstract: In one embodiment, a user device is configured to allow a user to select any one of a plurality of accounts associated with the user to employ in a financial transaction. In one embodiment, the user device includes a biometric sensor configured to receive a biometric input provided by the user, a user interface configured to receive a user input including secret information known to the user and identifying information concerning an account selected by the user from the plurality of accounts. In a further embodiment, the user device includes a communication link configured to communicate with a secure registry, and a processor coupled to the biometric sensor to receive information concerning the biometric input, the user interface, and the communication link.

Abstract: A method of calculating the quality of a data record having a plurality of data fields involves indentifying individual fields in the data record that are incorrect and scoring those fields accordingly. Further fields are identified where any one or more of those fields may be incorrect, but it is not immediately possible to determine which one or ones. These further fields are also scored accordingly. A score for the data records as a whole is then calculated based on the scores assigned to individual fields. Different fields may be weighted according to their importance to the data record as a whole.

Abstract: A system and method for authenticating users based on personal information. The personal information may include age-related data where the users are interested in receiving age-restricted content. The personal information may include an address and a permission request is sent to the address. Biometric information may also be associated with the personal information.

Abstract: A display system includes a liquid crystal display (10) including a backlight (3), a liquid crystal display panel (1), and a viewing angle control panel (2) for controlling the viewing angle of the display panel (1), the display system causing the amount of external light reflected by the liquid crystal display (10) to be relatively larger than the amount of light leaked from the backlight (3) onto the liquid crystal display panel (1). This provides a display system having an enhanced blocking effect.

Abstract: Systems, methods, and technologies for configuring a conventional smart card and a client machine, and for performing a smart card authorization using the configured smart card and client. Further, the combination of methods provides for mutual authentication—authentication of the client to the user, and authentication of the user to the client. The authentication methods include presenting a specified token to the user sufficient to authenticate the client to the user and thus protect the user-provided PIN. Security is strengthened by using an integrity key based on approved client system configurations. Security is further strengthened by calculating a PIN? value based on a user-specified PIN and a modifier and using the PIN? value for unlocking the smart card.

Abstract: A cash dispensing automated banking machine that operates in response to data read from user cards includes a cash dispenser, keypad, and a card reader. The card reader is operative to read data bearing records such as user cards that include financial account information. The machine may include an encrypting pin pad (EPP) that is operative to remotely receive an encrypted terminal master key from a host banking system. The machine may authenticate and decrypt the terminal master key prior to accepting the terminal master key using a public key of a certificate authority. The machine may further receive and authenticate a new public for a new certificate authority for use with authenticating further terminal master keys.

Abstract: An authentication apparatus is provided. The authentication apparatus acquires a plurality of pieces of registration authentication information each of which is unique to an authentication target. These pieces of registration authentication information are based on biological information obtained from different and the same kind of parts of a living body of a registered user. The authentication apparatus also acquires biological information from a part of the living body selected by a user, and then generates personal authentication information based on the biological information acquired. The authentication apparatus subsequently arranges a collation order of the plurality of pieces of registration authentication information, and then sequentially collates the plurality of pieces of registration authentication information with the personal authentication information in accordance with the collation serial numbers.

Abstract: The invention includes systems and methods for identifying and verifying the identity of a user of a kiosk using an external verification system. The kiosk receives customer input data that indicates the identity of the user of the kiosk. The kiosk generates an identification query that includes at least some customer input data. The kiosk transmits the identification query to an external verification system. The kiosk receives a verification response from the external verification system. The kiosk then processes the verification response to verify the identity of the user of the kiosk. These systems and methods advantageously provide identification and verification of the identity of a user of a kiosk. With sufficient identification and verification, financial institutions can comply with government regulations designed to reduce the opportunity for money laundering, terrorism, fraud, and identity theft while offering users of kiosks a wider range of financial services.

Abstract: A security system comprises a host system, a plurality of master controllers and a plurality of sub-controllers, wherein each sub-controller is assigned a specific master controller as well as alternate master controllers for communication access upon failure of the primary master controller. The host, master controller and sub-controllers are all coupled by a series of primary communication networks and paths and have multiple alternative communication network paths which function should there be a failure of the primary communication network. The host system comprises system and application software, data storage devices and communication ports to support the application requirements of the master controller, sub-controller network and access control devices attached thereto necessary to support a fault tolerant network.

Abstract: Collation information comprises anatomical information, such as finger print feature information, etc., and identification information. For the identification information, the serial number or equipment description of a device by which the anatomical information is collected, information about a route taken between a collection device and an authentication device or serial number attached to anatomical information collected by a specifying device, etc., is used instead of conventional time information. Then, the entire collation information is encrypted and is transmitted from an anatomical information collecting device to an authentication device via a network.

Abstract: A method and system for furnishing an on-line quote for an insurance product, such as auto insurance, makes use of computer hardware and software to provide a user with an on-line, real-time quote. The system allows the user to enter user information and recommends coverages, liabilities, and deductibles to help the user determine the best insurance coverage for the user's needs. Upon entering the user data and coverage information on a presentation server, deployable content profile information is retrieved by the presentation server, and a quote is displayed for the user. If the user indicates a continued interest in the quote, a client number is presented to the user and sent to a computer telephony integration database.

Abstract: A card-type biometric identification device includes a biometric sensor, an operating/processing module, a remote transceiver, and a rechargeable battery. The biometric sensor reads the biometric data of a holder. The operating/processing module stores a pseudorandom-code generating program, personal data, and authorized biometric data of the holder, and may then receive and process to-be-identified biometric data. After judging that the to-be-identified biometric data substantially matches with the authorized biometric data, the module generates and outputs a to-be-identified code by the pseudorandom-code generating program. The remote transceiver outputs the personal data to a host system to enable the host system to generate an authorized code by the pseudorandom-code generating program, which is stored in the host system and corresponds to the personal data. Comparing the authorized code with the to-be-identified code may judge whether or not the to-be-identified holder is an authorized holder.

Abstract: A checkpoint screening system uses multiple cameras to provide images at different angles of a person to be screened. Different features extracted from the images at different angles are compared to a profile associated with the person to be screened. In one embodiment, the person first provides an ID, such as a drivers license or other identification, and the profile is retrieved. If a match is detected, the person may continue through the checkpoint. If no match is detected, the person may be directed to a different path through the checkpoint for further verification of identity. A registration process is used to enroll members and obtain a member profile. Three camera angles are utilized to provide a three dimensional image. Each image is independently compared against the profile and the decisions from such comparisons are weighted. The profile is regressively updated and weighted if a match is detected.

Abstract: Disclosed is a secure system of authentication including a means for retrieving information about an authenticated individual (i.e., citizens, customers, employees, patients, and subjects). More specifically, the system allows a person to execute forms (i.e., agreements, authorizations, contracts, records, and transactions) at any location across the world by submitting to a positive identification test. In turn, authorized personnel can receive all pertinent information associated with the authenticated individual. Importantly, the autonomy and the privacy of the individual with respect to his or her information are always maintained.

Abstract: A method of screening passengers for a passenger aircraft flight includes a step of obtaining voluntary consent from a plurality of passengers to perform background check. The method further includes formulating a data record associated with each of the plurality of passengers. The passenger aircraft flight is scheduled as one of a plurality of regular scheduled flights. Prior to the passenger aircraft flight, it is determined whether a person is associated with a formulated data record. The method includes denying participation by the person in the passenger aircraft flight if the person is not associated with a formulated data record.

Abstract: The invention relates to a near field presence detection device provided to monitor an area (11) around a mouth (2) of a reading member, in particular a card reading member (1). The device comprises a presence detector (3) including a transmitter (4) and a receiver (5), said detector is provided to detect a change of field impedance due to a foreign object in the area (11). The device is further provided to generate a preliminary alarm signal and an effective alarm signal if preliminary alarm signal subsists within a predetermined time period.

Abstract: An image processing apparatus. A camera inputs an image of a face of a person to be recognized. A recognition area detection section generates a difference image between the input image and a predetermined pattern, and detects a recognition area whose value is above a threshold from the input image. An input data generation section converts the recognition area to a predetermined input data. A similarity calculation section calculates a similarity by comparing the predetermined input data with a predetermined dictionary data. A view position of the camera is located lower than a position of the face of the person. A direction of the optical axis of the camera represents an angle of elevation from a horizontal direction.

Abstract: Collation information comprises anatomical information, such as finger print feature information, etc., and identification information. For the identification information, the serial number or equipment description of a device by which the anatomical information is collected, information about a route taken between a collection device and an authentication device or serial number attached to anatomical information collected by a specifying device, etc., is used instead of conventional time information. Then, the entire collation information is encrypted and is transmitted from an anatomical information collecting device to an authentication device via a network.

Abstract: A method and system for authorizing an electronic credit card transaction having enhanced measures for detecting fraudulent transactions. A user at a remote terminal attempting to conduct an electronic credit card transaction is prompted to input the user's name credit card information, address, and only a portion of the user's social security number. The information input by the user is retrieved and used for identification purposes. Initially, the input credit card information is submitted to an issuer of the user's credit card to determine whether the input credit card information is valid. A second independent database having a stored list of individuals is further accessed, wherein each of the individuals includes at least one associated address stored therewith.

Abstract: An image processing apparatus. A camera inputs an image of a face of a person to be recognized. A recognition area detection section generates a difference image between the input image and a predetermined pattern, and detects a recognition area whose value is above a threshold from the input image. An input data generation section converts the recognition area to a predetermined input data. A similarity calculation section calculates a similarity by comparing the predetermined input data with a predetermined dictionary data. A view position of the camera is located lower than a position of the face of the person. A direction of the optical axis of the camera represents an angle of elevation from a horizontal direction.

Abstract: A method and a device of identification and authentication of a holder of a mobile electronic transaction device in an electronic transaction process between a transaction service provider and a transaction terminal in communication via a computer network. A transceiver is adapted for transmitting an identity of the device to the transaction terminal and receiving a challenge transaction identifier from the service provider via the transaction terminal. A data processing device is adapted for determining an authenticity of a user identification input by comparison with a reference user identification, and for performing a cryptographic transformation of the transaction identifier using a secret key only on the identification input being determined as authentic. The transceiver is also adapted for transmitting a response result of the cryptographic transformation to the service provider via the transaction terminal for validating the transaction.

Abstract: A method of performing a money transfer transaction through a financial services institution includes receiving information regarding the transaction on a first computer of the financial services institution from a first electronic device using the Transmission Control Protocol/Internet Protocol suite (TCP/IP). The method may also include establishing a T1 connection between the first computer and the first electronic device. A system for performing a money transfer transaction using TCP/IP is also disclosed.

Abstract: A programming apparatus that authenticates the contents of driver licenses having both human recognizable information and machine readable information is disclosed. The contents of the driver licenses are verified without encountering any human error. The verified contents of the driver licenses may be transferred to a remote computer for other identification purposes such as preordained organ donors or possible criminal prosecution.

Abstract: A method for electronic analysis of handwriting samples. A digital bit-map of handwriting samples created, using a digital camera or electronic scanner. The bit-map is then marked at selected points using a cursor to obtain measurements, such as the slant angles of strokes and height measurements of major areas in the writing. The measurements are tabulated and may be used to authenticate the handwriting sample. Also, the tabulated results may be compared with predetermined standard profiles for determining certain characteristics relating to the person who produced the handwriting sample. The invention also provides a method for determining the pressure and angle of the writing instrument, by creating a three-dimensional representation of portions of the writing sample for measurement and analysis.

Abstract: Apparatus for fraud detection for an account includes a plurality of N statistical estimators which estimate the likelihood of a transaction being fraudulent from data about a transaction on the account and transaction history of the account. A statistical estimator is provided which computes an estimate of the likelihood of a particular signature being that of a person authorized to sign on the account from an exemplar of the signature and a history of previous signatures. A combiner produces a combined probability estimate from the plurality of N statistical estimators and the statistical estimator.

Abstract: An identity card comprises an easy-to-use, more specifically card-shaped, information carrier provided with an electronically readable memory capable of digitally storing personal user data, including data concerning the user's physical features. The information carrier is installed in and can be removed from an input unit of a housing of comfortable dimensions. The housing has been provided with reading equipment which is capable of reading the personal data stored in the memory of the information carrier. Moreover, the housing has been provided with a screen for representing the data read.

Abstract: A security device and a security system incorporating such a device comprises a portable secure object which includes a unit for storing information, a unit for storing a voice biometric signal or a signal indicative thereof, and an integral microphone. The microphone generates the voice biometric signal during a registration procedure, and subsequently derives a further voice biometric signal for comparison with the generated voice biometric signal for subsequent interrogation purposes.

Abstract: The improved smart card of the present invention preferably comprises a CPU, memory, and a fingerprint reader including a sensing surface. Preferably, the sensing surface is located along a surface of the smart card so that a user's thumb is naturally positioned over the sensing surface when the card is inserted into a write/read unit or other suitable card reader. When an individual inserts the smart card into a write/read unit, the smart card creates an electrical representation of the individual's fingerprint and compares the acquired representation to a stored fingerprint representation in the card's memory. If the acquired representation matches the stored representation, the card is enabled, and the user is given access to information and/or services that require cooperation of the smart card.

Abstract: An instruction input unit for supplying operating instructions to a machine is provided. The unit includes a touchpad, an instruction library and a recognizer. The touchpad receives an input pattern from a user and the instruction library stores a multiplicity of operating instruction patterns. Each operating instruction pattern has an operating instruction associated therewith. The recognizer detects which of the multiplicity of operating instructions patterns the input pattern most closely matches and provides the operating instruction associated with the matched operating instruction pattern to the machine. The recognizer includes a handwriting recognizer for recognizing alphanumeric characters.

Abstract: An automated check-cashing unit includes an input device configured to generate input signals in response to inputs from a customer, a storage device including a database of customer information, a check reader configured to receive and read a check to be processed, a cash dispenser, and an electronic processor. The processor is configured to receive the input signals from the input device, receive information about the check to be processed from the check reader, access the database of customer information to obtain data about the customer, and determine automatically whether to accept or reject the check based on the input signals, the received information about the check, and the data about the customer. Upon accepting the check, the processor signals the cash dispenser to dispense cash to the customer. The processor may be further configured to confirm the identity of the customer based on biometric information about the customer.

Abstract: An integrated financial system that includes a single customer account that permits a customer to perform various financial transactions. The account includes at least banking components and brokerage components. A consistent user interface means is provided to allow a customer to access the account from a different sources including at least an automatic teller machine, a phone and a personal teller transaction. The account is flexible enough to include a variety of other components such as a credit card component, a line of credit component, a secured credit component and a money market component. A system and method for opening a single integrated account for a customer in a single session is also described.

Abstract: A method is taught for analyzing the keystroke timing signature of an ATM or other electronic commerce customer. The timing signature is compared to a database of previously stored keystroke timing sequences to allow for a test of the identity of the putative customer. This allows increased identification without the need for additional hardware beyond the ubiquitous keypad or keyboard.

Abstract: A method of payment in an electronic payment system wherein a plurality of customers have accounts with an agent. A customer obtains an authenticated quote from a specific merchant, the quote including a specification of goods and a payment amount for those goods. The customer sends to the agent a single communication including a request for payment of the payment amount to the specific merchant and a unique identification of the customer. The agent issues to the customer an authenticated payment advice based only on the single communication and secret shared between the customer and the agent and status information which the agent knows about the merchant and/or the customer. The customer forwards a portion of the payment advice to the specific merchant. The specific merchant provides the goods to the customer in response to receiving the portion of the payment advice.

Abstract: The mouse of the computer is equipped with a reader of an access code located in one or a set of chipcards for users. The reader is connected to an antenna equipping the mouse so that the user has only to present his card to the mouse inside the influence zone of the antenna for obtaining that the access code is transmitted to the computer and that the security device rendering the computer inoperant is unlocked.

Abstract: An electronic-money card is used for carrying out transactions such as depositing, drawing, cash exchanging and transfers of electronic money in an automatic teller machine. A plurality of menus showing a variety of transactions are displayed so that the user to select one of the menus. If the deposit menu is selected, menus for cash and electronic money are displayed to request the user to select whether the money to be deposited is cash or electronic money. If the user selects the electronic-money deposit menu, the user is requested to enter a cash card and a password number. Once the password number is entered, the validity of the user is verified. After the validity of the user has been verified, the user is requested to enter an IC card and to specify the amount of electronic money to be deposited.

Abstract: A transport container and a transport container managing system are suitable for use for security management when valuable goods are transported by a transportation service.

Abstract: A process which provides electronic access to pre-paid funds for cash or payment for goods and services. A card is issued to a customer with a value selectable by the customer. The card has a magnetic stripe with an encoded card number including a bank identification number (BIN) and an account number. The central card processor establishes a zero balance database including the card numbers, but with blank fields for the customer data and the value of the account. When a customer purchases a card, the sales agent transmits to the central database computer which fills in the blanks in the database, activating the account, and transmits an acknowledgement signal back to the sales agent. The customer can immediately use the card in ATM or other remote terminals to acquire cash or purchase goods and services. The customer inputs a PIN number which is provided with the card, or a customer selected alternative PIN number.

Abstract: A process which provides electronic access to pre-paid funds for cash or payment for goods and services. A card is issued to a customer with a value selectable by the customer. The card has a magnetic stripe with an encoded card number including a bank identification number (BIN) and an account number. The central card processor establishes a zero balance database including the card numbers, but with blank fields for the customer data and the value of the account. When a customer purchases a card, the sales agent transmits to the central database computer which fills in the blanks in the database, activating the account, and transmits an acknowledgement signal back to the sales agent. The customer can immediately use the card in ATM or other remote terminals to acquire cash or purchase goods and services. The customer inputs a PIN number which is provided with the card, or a customer selected alternative PIN number.

Abstract: An identity card comprises an easy-to-use, more specifically card-shaped, information carrier provided with an electronically readable memory capable of digitally storing personal user data, including data concerning the user's physical features. The information carrier is installed in and can be removed from an input unit of a housing of comfortable dimensions. The housing has been provided with reading equipment which is capable of reading the personal data stored in the memory of the information carrier. Moreover, the housing has been provided with a screen for representing the data read.

Abstract: A process which provides electronic access to pre-paid funds for cash or payment for goods and services. A card is issued to a customer with a value selectable by the customer. The card has a magnetic stripe with an encoded card number including a bank identification number (BIN) and an account number. The central card processor establishes a zero balance database including the card numbers, but with blank fields for the customer data and the value of the account. When a customer purchases a card, the sales agent transmits to the central database computer which fills in the blanks in the database, activating the account, and transmits an acknowledgment signal back to the sales agent. The customer can immediately use the card in ATM or other remote terminals to acquire cash or purchase goods and services. The customer inputs a PIN number which is provided with the card, or a customer selected alternative PIN number.

Abstract: An identity card comprises an easy-to-use, more specifically card-shaped, information carrier provided with an electronically readable memory capable of digitally storing personal user data, including data concerning the user's physical features. The information carrier is installed in and can be removed from an input unit of a housing of comfortable dimensions. The housing has been provided with reading equipment which is capable of reading the personal data stored in the memory of the information carrier. Moreover, the housing has been provided with a screen for representing the data read.