CN1224935C - identity verification system - Google Patents

Abstract

A stylus with a biometric sensor that captures a variety of biometric information when the stylus is used. The stylus is a central piece of the system, capable of converting a card-based transaction system into a cardless transaction system. The stylus detects the fingerprints and other characteristics of the index finger and thumb, and the customer signs a signature with the stylus. In currently used signature verification systems, pen-based systems are used, but fingerprints are not measured. The stylus may be switched when it is used to verify a signature at a point-of-sale terminal, switched within a closed environment where access cards are issued to limit the number of persons, or switched within a limited area. Initially, the stylus would replace the existing pen system for signature verification. Once signed with it for verification, a credit card is no longer necessary. Applicants can also use the stylus to participate in government programs (such as subsidies, voter registration, driver licenses, and the like).

Description

identity verification system

This application is related to and claims the benefit of the following patent applications: U.S. Provisional Application 60/119,408, filed February 10, 1999, entitled "Identity Verification System" (Attorney Docket No. BPN-99,022); U.S. provisional application 60/116,212 filed on 1999, entitled "Identity Confirmation System" (Attorney Docket No. BPN-99,021); U.S. provisional application 60/114,632 filed January 4, 1999, entitled Confirmation System" (Attorney Docket BPN-99,020); U.S. Provisional Application 60/109,511, filed Nov. 23, 1998, entitled "Biometric Writing Instrument" (Attorney Docket BPN-98,012); 1998 U.S. Provisional Application 60/088,498, filed June 8, titled "Biometric Hotel and Nightclub" (Attorney Docket No. BPN-98,011); and U.S. Provisional Application 60/080,962, filed April 7, 1998 , titled "Biometric Hotel and Nightclub" (Attorney Docket No. BPN-98,010).

Technical field

The present invention generally relates to a system that does not require credit cards or cash cards but uses biometric identification to confirm personal identity in transactions, and more particularly relates to a system that is used to replace credit cards, cash cards, and admission cards currently in use. Apparatus and method for cards and verification cards.

Background technique

Credit cards were first introduced to replace credit cards. Plastic debit, cash, ATM and stored value cards are outdated and will soon be phased out. It is not uncommon to carry more than eight cards in a wallet. However, the card must be replaced every few years, and the card can be damaged by frequent use. Plus, customer fraud and counterfeiting are on the rise. Cards are easy to lose or steal, signatures are easy to forge, and identification numbers (PINs) are easy for criminals to determine. So while plastic cards are easier to carry than cash, they are almost as negotiable as money to sophisticated criminals.

Fingerprints provide a sure and reliable means of personal identification. Identification with fingerprints goes back a long way, but was widely accepted about 100 years ago. Fingerprints are biometrics that form the basis of identification worldwide. Fingerprints do not change over time, but other physical characteristics do. The fingerprint details can uniquely identify the fingerprint. It has been proven that fingerprint details are invariant and repeatable characteristics of each fingerprint, which are unique to each individual. Each finger has a unique arrangement of ridge-like details. Generally speaking, a complete fingerprint contains up to 100 distinguishing points. A person only needs to collect a fingerprint once to exist in the system.

Everyone is affected by identity theft. Identity theft occurs when criminals impersonate another person in order to purchase goods or services, obtain funds, or obtain private information. Preventing identity theft ensures that: (1) good reputations are not compromised, and (2) wealth and private data are not attacked. Today, bank cards, PINs and passwords, and ID cards such as driver's licenses and social security numbers are used to confirm identity. All of these can be violated. The only way to really stop identity theft is to have reliable user authentication.

There is an urgent need to prevent identity fraud. It is not only necessary to ensure that the good reputation of individuals is not damaged, but also to ensure that personal wealth and private data are not easily attacked. Passwords are easily forgotten or copied and must be changed frequently, but fingerprints are unique to each individual. Fingerprints are a de facto protection for law-abiding citizens, governments, and businesses.

Banks are fighting check fraud by fingerprinting customers. Many large retailers have begun to investigate the use of biometric technology to track employees and others by automated means of measuring physical attributes or personal characteristics. Now, fingerprinting, an advanced application based on the unique characteristics of the human finger, is gaining attention as a potential weapon in the fight against credit card fraud. MasterCard (MasterCard) estimates that the use of fingerprint technology worldwide can reduce industrial fraud losses by 50% to 60% per year. The FBI estimates that worldwide credit fraud cost VISA(R) and MasterCard(R) $1.63 billion in 1995. Despite some anticipated advances in security through the use of smart cards and improved encoding methods, the focus on security is still unlikely to keep pace with the convenience of buying, selling and consuming technology in the larger market. By 2000, it is estimated that the total amount of bank cards will reach 9.9 trillion US dollars (referring to volume 163, issue 98, page 16-1 of "American Banker" published on May 26, 1998).

Signing checks, authorizing purchases, using credit cards, accessing confidential information—these activities all depend on reliable verification of identity. All over the world, fingerprints are recognized as a reliable and undeniable identity proof. It is not like a password that will be forgotten or an ATM card that will be lost. Fingerprints are always with you.

US Patent 5,103,486 (to Grippi) discloses a combined fingerprint-signature identification system. In this system, a prism is used to capture the fingerprint of the index finger when a person is signing a signature. The fingerprint image and signature are processed to form a composite representation that is compared with the information displayed on the credit card for transaction processing. Although the system combines signature and fingerprint biometrics to confirm identity, the system still requires the use of a credit card, and the system is limited to these two biometrics (index finger print and signature), and the system is limited to the use of light sensors, while Light sensors are not effective at commercial installations.

US Patent 5,680,470 (to Moussa et al.) discloses a signature verification method that involves a set of template signatures that are used to detect normalized test features and remove extraneous features. Likewise, US Patent 5,559,895 (to Lee et al.) discloses a real-time signature verification system in which signatures are digitized for statistical analysis and various personal characteristics are selected.

Current stylus-based authentication systems use accelerometers and pressure sensors to measure stylus pressure and stroke sweep in a user's signature. US Patent No. 5,774,571 (to Marshall) discloses a biometrically authenticated stylus with multiple sensors, including a grip pressure sensor and a gyroscope. US Patent 4,513,437 (to Chainer et al.) discloses another data entry stylus for signature verification that includes an accelerometer and a pressure sensor. US Patent 5,247,137 (to Epperson) discloses a stylus that performs biometric authentication by comparing graphical and calligraphic data transmitted from a distance. The stylus also captures strokes and gestures, which can also be used to confirm identity.

Even so, identity verification at point-of-sale terminals is often slow and cumbersome. Generally speaking, four steps are required: (1) the customer swipes the card through the card reader; (2) the bank checks and verifies the status of the cardholder's account; (3) once agreed, the cardholder can sign; (4) Check the identity of the cardholder by presenting a document such as a driver's license.

Fingerprints are universal identifiers. Visa(R) and MasterCard(R) are exploring fingerprint sensors mounted in the screen of point-of-sale terminals, as well as directly on the card. Since the stylus must be grasped to sign, and a signature is required in credit transactions, the natural place to place a fingerprint sensor is within the stylus. Transactions using the system of the present invention require only that the customer sign the note, and the bank agree to proceed with the transaction. Customers will be excited to complete credit transactions without using a credit card just by signing. The system of the present invention can revive old habits for traders, extending credit that relies on signatures.

What is needed is a system that uses modern technology, a system that avoids the use of personal identification cards of all types, a system that is essentially impenetrable to criminals, a system that significantly reduces transaction times, and a system that is virtually inaccessible in all environments. A system that is common to both, one that provides maximum security for participating financial institutions, one that allows customers to access their funds from anywhere but not those of others, one that is easy to use and customer-friendly, and A system that can provide anonymity in many transactions.

What is needed is a means of converting a card based commerce system to a cardless commerce system which is user friendly and allows customers to share either system. There is a need for a device for confirming an individual's identity that is reliable, modern, allows authorized persons to access their accounts, but prevents access to other people's accounts, and truly discourages criminals from trying to compromise such systems. There is a need for a way to allow a person to register when they arrive at the complex, submit one or more biometric identifiers to be entered, and establish a credit account, and then when the person is at the complex, they do not need to be with them Bring any cash, chips, credit cards, access cards, key fobs and be able to attend any of the activities offered within this complex.

Contents of the invention

In order to convert a card based financial system into a cardless system, the system of the present invention uses a stylus that can sense various biometric characteristics, especially the index finger, when the customer signs or even writes anything with the stylus and thumb prints. When validating a signature at a point-of-sale terminal, in a closed environment where an admission card is issued for a limited purpose, or within a limited area, the stylus can facilitate this conversion. Applicants can also use the stylus to participate in government programs (such as grants, voter registration and driver's licenses, etc.).

The identity verification system of the present invention improves transaction security for financial institutions by substantially eliminating customer fraud and forgery; increases efficiency by reducing transaction time (time between customer signature and provision of identifier); Cards (such as credit cards, ATM cards, stored value cards, prepaid cards, AMT cards, etc.); provide customers with more convenience.

The system of the present invention revolutionizes the nature of trade. At the center of the system is a biometric stylus. When a customer signs, the stylus captures the fingerprints of the index finger and thumb. Initially, customers checked in with a stylus. Each time a customer signs during a face-to-face transaction, the fingerprint is compared to a reference fingerprint for authenticating the ID.

Pens with sensors are beginning to appear in some point-of-sale terminals today. These styli do not capture fingerprints, but are only used for signature verification. Initially, the system of the present invention will replace these stylus for signature verification. Next, you can choose to use credit cards and debit cards. Since the system of the present invention is compatible with existing card systems, the transition will be smooth. Markets using the system of the present invention are all point-of-sale terminals, banks and government agencies worldwide.

Once the system of the present invention is used worldwide, fraud will be greatly reduced and customers will be more convenient. In addition, the system of the present invention will be as universally accepted as credit cards; will provide customers with convenience not possible with cash or credit cards; and will provide customers with far greater security than cash or credit card systems.

Currently, Compaq Computer Corp. is selling computers with fingerprint sensors built into keypads. Instead of entering a PIN or password to access a computer network, users place a finger on a glass lens the size of a postage stamp. Make a photocopy of your fingerprint and compare it to thousands of other fingerprints. The whole process takes less than a second, and the cost of the sensor is less than $100. Likewise, Identix has developed a fingerprinting system that produces tenprint records of forensic quality. And Veridicom has developed advanced software and hardware parts with Bell Labs' fingerprint identification patented technology. The system of the present invention incorporates a pair of sensors of this type within the stylus used to sign for payment.

Banks benefit as credit card fraud is reduced by at least 50%. The system of the present invention essentially guarantees that only those whose fingerprints match can access the account. The bank controls the transaction and captures and processes much of the necessary biometric data before deciding whether to consent. Merchants and customers also benefit from reduced credit card fraud, as some of the costs are passed on to them. The system of the present invention assists law enforcement in identifying and understanding criminals. Criminals are discouraged because anyone trying to access unauthorized accounts is instantly identified. Traders benefit as transaction times are minimized. The system automatically captures fingerprint data when a customer signs and starts processing immediately. Customers benefit because they no longer need to bring their cards. Cards are easy to lose or steal, signatures are easy to forge, and PINs are easy for criminals to determine. While cards are a useful alternative to cash, they are almost as negotiable as cash to sophisticated criminals. The system of the present invention provides optimum security for the customer by eliminating the need to carry all of the credit cards, cash cards, ATM cards, stored value cards and prepaid cards in the wallet. At the point of sale terminal, the cardholder has the added convenience of: (1) being able to continue using the card; (2) being able to use the system of the present invention exclusively; or (3) being able to use the two interchangeably.

Registering with the system of the present invention is similar to opening a new bank account. The applicant provides the bank with his basic information: name, address, phone number and signature. The only difference is that the stylus of the present invention can capture fingerprint data when the applicant signs. Another method of enrollment at the point of sale terminal is to replace the stylus currently used for signature verification with the biometric stylus of the present invention. Once the fingerprint is initially captured, there is no need to use the card. The next time the cardholder wants to access the same account, he only needs to sign. Of course, the cardholder can still continue to use the card.

Accounts can be accessed at any point of sale terminal. The customer signs with the same biometric stylus that was used during enrollment. The fingerprint is captured again and compared to all enrollees' fingerprints to search for a match. Once the bank confirms that there are sufficient funds in the account, the required amount is debited from the account and the transaction is approved. That's it.

By using the stylus of the present invention, the cardholder can use the credit card at the point-of-sale terminal to transfer funds to a new account at the point-of-sale terminal. The cardholder swipes the card through the card reader, and signs and writes the printed name with the stylus of the present invention. Fingerprints are captured, and the cardholder notifies the credit card bank of the amount to be transferred. Swap account information, then don't need to use a card next time.

A debit variant of the inventive system provides added convenience to the customer for debit, prepaid and stored value transactions. For customers on prepaid accounts, no credit is transferred to the customer. This transformation opens up the financial system to everyone, regardless of credit rating, credit type, or legal status. Customers do not require bank involvement as the account will be assigned to a system bank if no bank is specified.

This debit method is initiated by transferring cash, check, money order or credit card to the account at any point of sale terminal, ATM or bank. Since the credit is not transferred to the customer, less information is required. Registration can be done directly with the bank, or at a point-of-sale terminal, during a debit transaction, using the stylus of the invention. In some transaction types, the debit variant also provides anonymity. A stylus without a fingerprint sensor can be used when the number of people participating in a group is limited (such as in a closed environment such as a hotel, amusement park, etc.). If the customer chooses to use an alias, it is authenticated by the signature and other biometric sensors within the stylus. Protect absolute identity without fingerprinting and without revealing real identity.

Many retailers no longer accept checks due to fear of counterfeiting. The check validation variant of the system of the present invention provides a perfect method of authenticating identity at point of sale terminals. When a customer opens a checking account, he registers with the biometric stylus of the present invention. When a check is written, the bank is identified, and the bank approves the transaction. The system also guarantees against overdraft. Signature verification on checks is an added benefit for point-of-sale terminals offering the system of the present invention. The check authentication program can also replace traditional checks.

The system of the present invention is particularly useful in closed environments such as hotels, arcades, theme parks, libraries, college campuses, cruise ships, military bases, prisons, sports fields, etc., where the geographical area, the services provided, or both, are limited. is restricted. Once added to the card-not-present transaction system of the present invention, any customer, after registering with the hotel, can have full access to any of the amenities in the hotel at any time, without needing to bring anything other than their inherent biometric identity.

The system of the present invention includes biometric check-in upon entry to a complex; biometric access to guest rooms; biometric use of slot machines, biometric play at gaming tables, and On-site shopping using biometric methods in comprehensive places such as restaurants and boutiques.

The guest to be registered confirms his identity by registering with the hotel upon arrival and check-in, he chooses to enter credit for a credit account, enters a biometric identifier that will be used on-site during his stay. Then, when the guest wants to enter their room or access the credit account, the identity is confirmed by matching the biometric identifier, and the guest can use the amenities provided in the hotel. The biometric identifier is preferably a fingerprint of the index finger and thumb, and a stylus is used to detect these fingerprints. The stylus preferably has a dedicated sensing grip that is sized and shaped to fit the hand well and to read the thumb and index finger well. The grip portion is transparent. The stylus is preferably lightweight and discrete, and includes a sensor, either as an optical or imaging fingerprint sensor. Once the fingerprint is read, the fingerprint signal is transmitted for processing. Guests can add points to their account at the terminal throughout the game.

The card-not-present transaction system of the present invention also allows the customer to enter the suite while holding the doorknob and turning the handle, for identification once the doorknob is held. Most hotel rooms are accessed through locked doors. When the guest wishes to enter the room, he holds the lock handle with his thumb in a preset position, usually at the top of the shank that secures the lock to the door. The guest applies pressure to the lock, while a light sensor reads the thumbprint. The computer looks for the thumbprints of guests who have checked into the room and makes a match. If identified, access to the room is granted.

This system allows players to use any slot machine in the building by purely biometric means. The match for the lever type coin slot is similar to the above hotel lock type door. The player grasps the handle and pulls forward with the thumb on the lever's preset position. If the slot machine is in the form of a button, the player requests to play the machine by pressing a button. A light sensor reads the fingerprint and looks for a match among all fingerprints enrolled in the system. Once identity is confirmed and the credits available in the player's credit account are sufficient to cover wagers, play is permitted. The biometric identifier guarantees that the player who placed the wager is the one who has access to the credit account. The biometric identifier prevents any unauthorized actions. Once identified, the player may use the game value stored in the computer system. If the player wins, the points increase, and if the player loses, the points decrease.

The system allows players to participate in any table game within the building, either at the table or remotely. Although the principles of the present invention are applicable to all games played in a casino (such as roulette, craps, baccarat, etc.), for illustrative purposes only, blackjack is primarily referenced in this specification. The player presses a button on the location, requesting access to his credit account. A light sensor reads the fingerprint and looks for a match among all enrolled fingerprints within the system. Once identity is confirmed and the credits available in the player's credit account are sufficient to pay, play is permitted. If the player wins, the points increase, and if the player loses, the points decrease. Before each hand, identity is confirmed biometrically. 18A and 18B show simplified logic diagrams for biometrically authorizing dice play.

The present system allows guests to shop on-site at restaurants, lounges, boutiques, etc., and access balances registered with the complex. Guests hold the same biometric stylus that is used to enter index and thumb prints during check-in. A light sensor reads the thumb and index finger prints via the stylus and looks for a match among all enrolled prints in the system. Once identity is confirmed, and the available balance in the guest's credit account is sufficient to cover the purchase, the purchase is allowed and the purchase amount is subtracted from the balance.

The system can also be applied to casino-hotel complexes that exclude slot machines, table games, and other types of gaming activities. Likewise, the principles of the present invention apply to freestanding playgrounds without guest rooms. For stand-alone casinos, off-site registration can be done with a pre-authorized third party, or with the casino.

For a more comprehensive understanding of the identity verification system of the present invention, please refer to the following detailed description and accompanying drawings, in which preferred embodiments of the present invention are shown by way of example. Since the present invention can be applied to many occasions without departing from the spirit and substantive features of the present invention, it can be understood that the drawings are only illustrative and descriptive, not limiting the present invention. Throughout the specification, like reference numerals refer to like parts.

Description of drawings

Fig. 1 is a functional block diagram, has shown a preferred embodiment of the identity confirmation system of the present invention;

Figure 2A shows a writing stylus with a fingerprint sensor used in the system of the present invention with a built-in grip;

Figure 2B shows a portion taken along line 2A-2A of the writing stylus shown in Figure 2A;

Figure 3A shows a preferred embodiment of a writing stylus with a grip for use in the system of the present invention with a built-in grip;

Figure 3B shows a fingerprint image obtained from the fingerprint imaging sensor in the writing stylus shown in Figure 3A;

Fig. 4A shows an assembly diagram of a ballpoint pen type traditional stylus with a grip part, which is combined with a digital surface and used in the identity verification system of the present invention;

Figures 4B, 4C and 4D illustrate various grip structures that allow the fingerprint sensor to be aligned with the index finger and thumb;

Figures 5A, 5B, 5C, 5D and 5E show various grips and structures that are compatible with conventional stylus and pencils, where the grip includes a cord connected to the writing surface, and the sensor is included in the grip. inside the pen;

6A and 6B are simplified logic diagrams showing an embodiment of the identity verification system of the present invention when used for registration;

7A and 7B are simplified logic diagrams showing an embodiment of the identity verification system of the present invention when used for transactions;

Figure 8 is a simplified logic diagram illustrating the process of converting a credit card to a card-not-present transaction system for use with the identity verification system of the present invention;

Fig. 9 shows the payment selector used by the customer to select which account to pay the transaction money from in another identity verification system variant of the present invention;

Figure 10 shows a keypad for use with a digitizing surface for entering data such as primary identifiers, for use with the identity verification system of the present invention;

Fig. 11A is a functional block diagram showing the block diagram structure of the system of the present invention used to replace traditional admission cards and house keys in a closed environment (hotel-gaming complex complex);

Fig. 11B is a functional block diagram showing the block diagram structure of the system of the present invention used to replace traditional admission cards and house keys in another closed environment (stand-alone playground);

Fig. 11C is a functional block diagram showing the block diagram structure of the system of the present invention used to replace traditional admission cards and house keys in yet another closed environment (hotel-casino complex);

Fig. 12A is a functional block diagram showing the block diagram structure of the main components when the system of the present invention is used in the hotel-playground of Fig. 11A - biometric registration, biometric entry, biometric game and biometric on-site Shopping;

Fig. 12B is a functional block diagram showing the block diagram structure of the system of the present invention when used in the stand-alone playground of Fig. 11B - biometric check-in, biometric games and biometric shopping in place;

Fig. 12C is a functional block diagram showing the block diagram structure of the main components of the system of the present invention when used in the hotel-casino of Fig. 11C - biometric registration, biometric entry and biometric on-site shopping;

Figures 13A-13D are simplified flowchart diagrams showing one embodiment of the logical sequence of a roulette game, illustrating the gaming system for use with the systems of Figures 11A and 11B, from the player's initial clearing entry to his exit from the game ;

Figure 14 shows a keypad for playing roulette with the system in Figures 11A and 11B;

Figure 15 shows a door lock used in hotels and motels with a fingerprint sensor that detects the thumb print when the thumb is placed on the handle of the lock, when used with the systems of Figures 11A, 11B and 11C , when grabbing the door to enter the room, the identity can be verified;

Figure 16 shows a gas station equipped with sensors for thumb and finger fingerprints. This gas station is used in transactions where customers do not need to face the cashier to pay for gasoline, and identify them while filling the tank ;

Fig. 17A is a schematic diagram showing the first preferred embodiment of the photoelectric system capable of reading fingerprints used in the biometric management system of the present invention;

Fig. 17B is a schematic diagram showing a second preferred embodiment of the photoelectric system capable of reading fingerprints used in the biometric management system of the present invention;

18A and 18B are simplified flowchart diagrams showing the logical sequence of the craps game, illustrating the entry from the player's initial clearing to the final exit of the gaming system;

Figure 19A is a simplified logic diagram allowing access to a guest room with a biometric lock or door handle under the biometric management system of the present invention;

Figure 19B is a functional block diagram illustrating a preferred embodiment of a room key security system for use with the system shown in Figure 11C;

Figure 20 is a process flow diagram illustrating another preferred embodiment of identity verification using the biometric identification system of the present invention.

Detailed ways

Referring now to the accompanying drawings. Fig. 1 shows a preferred embodiment of the identity confirmation system of the present invention. Most generally speaking, the identity verification system of the present invention includes a stylus 2, a plurality of fingerprint sensors are housed in the pen-holding portion 4 of the stylus 2; a digital writing pad 5; a small keyboard 6 for inputting data; a digital display unit 8 and Processing unit 7.

The stylus 2 includes a plurality of sensors for capturing biometric characteristics of the signer. Processor 7 processes the captured information and, once identified, determines whether to allow access to an account, or whether it is allowed entry or has other privileges. In a preferred embodiment, the system includes means to allow the signer to enter a primary identifier, wherein said identifier is a series of letters, numbers, and dialogue words converted to text (speech recognition), etc. The primary identifier is the signer's printed name, the signer's birthday (and year), zip code, mother's maiden name, or a PIN or password.

The biometric stylus 2 of the identity verification system of the present invention is equipped with a plurality of fingerprint imaging sensors in the pen grip part 4 for detecting index finger fingerprints and thumb fingerprints. In addition, there are other biometric sensors including, but not limited to; pressure sensors (tip and grip); accelerometers; gyroscopes; position of index finger relative to tip; position of thumb relative to index finger. Figure 20 shows a simplified logic diagram in which multiple biometric sensors are used for account verification.

The biometric stylus 2 of the identity verification system of the present invention has multiple fingerprint sensors in the dedicated pen grip 4 (see FIGS. 2A and 2B ). During use, electronic images of the index finger and thumb are drawn. With a similar stylus, the customer then submits a set of fingerprints for comparison with the authorized user's set of fingerprints: the fingerprints may or may not match. Using two fingerprints makes it impossible to make mistakes. Stylus 2 protects against counterfeiters because even if the signature is the same, the fingerprint will not be the same (here, what is written is not important). The stylus 2 is available from banks, point-of-sale (POS) terminals, and government agencies around the world. Combining the principles of the biometric stylus 2 with other biometric measurements contained within the stylus 2 can provide near perfect confirmation. The digital system evaluates the fingerprint by comparing the similarity, quantity and unit relationship of each distinguishing point.

6A and 6B are simplified logic diagrams illustrating the process of enrolling with the identity verification system of the present invention. Initially, the customer signs with the same dedicated stylus 2 and exchanges legal currency, thereby registering with the bank or point-of-sale terminal, opening an account. An account can be a debit account, a savings account, a checking account, or even a credit account. If a customer is seeking credit, a great deal of information is required. Then, when the customer wants to access the account in order to pay for goods or services, he signs with the same stylus 2 . Any time a customer wants to access a credit account in a point-of-sale transaction, the same stylus 2 is used to sign and the computer searches for the appropriate file for comparison (see Figures 7A and 7B).

In another preferred embodiment of the identity verification system of the present invention, additional biometric sensors are periodically added to the stylus to provide all necessary information to the financial institution. As long as the additional sensor doesn't affect the weight or balance of the Stylus 2, and doesn't alter the biometric information of fingerprints and signatures, there's no harm in doing so.

When registering somewhere other than a financial institution (for example, at a point-of-sale terminal), the customer pays the merchant legal currency (a prepaid or stored-value type account) in exchange for the merchant opening an account for the customer. A financial institution is one that has a relationship with a trader, so it allows customers to open an account without contacting a bank. For such accounts, customers may choose not to use fingerprints, but instead choose an alias for confidentiality as described below.

The biometric identifier is preferably a fingerprint of the index finger and thumb and can be detected with the stylus 2 . The stylus 2 preferably has a dedicated sensing grip portion 4, so that its size and shape fit well with the hand. Reads thumb and index finger well. The pen grip part 4 is transparent. The stylus 2 is preferably lightweight and discrete, and includes a sensor, either as an optical or fingerprint imaging sensor. Once the fingerprint is read, an image of the fingerprint is captured for further processing. In a preferred embodiment, the biometric stylus 2 includes a temperature sensor for activation. These sensors are well known in the art and are similar to thermal sensors used in elevators. The heat from the hand participates in the work of the system.

In another embodiment, the tip of the stylus 2 is a conventional fountain pen, which ensures that the orientation of the stylus 2 is aligned with the fingerprint sensor within the stylus 2 . Preferably, one fingerprint sensor is mounted on the upper surface of the stylus 2 and two additional sensors are mounted on two adjacent sides of the stylus 2 . This ensures that the detected fingerprint images are reproducible.

For right-handers, the index finger is aligned with the tip of the stylus and the thumb rests on the surface of the stylus adjacent to the left of the upper surface of the stylus. For lefties, the index finger is aligned with the tip of the stylus and the thumb is placed on the stylus surface adjacent to the right side of the stylus upper surface. By capturing the fingerprints of the applicant's index finger and thumb and comparing them to the reference fingerprints of the index finger and thumb, errors are less likely to occur. If the biometric stylus 2 or the grip 4 cannot be used, traditional identification can be performed with manual backup. Therefore, a sensor is installed in the stylus 2 in order to read these fingerprints. The stylus 2 has a special sensing grip part 4 whose size and shape fit well with the hand and can read the fingerprints of the forefinger and thumb well. The cross section of the stylus 2 is generally a rectangle with rounded corners, and the surface for placing the thumb and index finger is slightly concave. Figures 5A, 5B, 5C, 5D and 5E show various preferred embodiments of the grip structure, which are compatible with conventional stylus and pencils, wherein the grip 4 includes a cord connected to the writing surface , and the sensor is included in the pen grip part 4. Figure 5E shows a drop-shaped structure with the seam up. The applicant brings the seam up and places the index finger on one side of the seam and the thumb on the other side of the seam. This embodiment ensures that only two sensors are required whether the applicant is left-handed or right-handed. In addition, the combination of concave and convex shapes allows the fingerprint imaging sensor to detect a larger portion of both fingerprints. Figures 3A and 3B show a U-shaped pen grip 4, and an image captured therefrom with a sensor.

In another variant, the biometric stylus 2 is secured to a surface or counter by means of a plastic-coated hollow tube containing an optical cable. The image of the fingerprint is sent via an optical cable to a processor inside the surface or protrusion. The sensor is installed inside the stylus 2 . In another variant, the biometric stylus 2 is portable and discrete. Although the sensor is still inside the stylus 2, the fingerprint signal is sent to the processor for conversion and storage. Thumb and index finger prints are retained in the system processor as a reference for subsequent comparisons. Goods and service providers have a similar stylus 2 with which customers can identify themselves and access credit accounts.

In another embodiment, a pen grip 4 compatible with conventional stylus and pencil is provided, and the fingerprint imaging sensor is located in the pen grip 4 . The pen-holding portion 4 is symmetrical, preferably in the shape of a cube with recessed side walls. The power cord is fixed with the pen-holding portion 4, provides power for the sensor, and is anti-theft. If the stylus 2 is damaged, it can easily be replaced with another conventional stylus at moderate cost. In addition, since the grip portion has a standard size, any problem of variation in some biometric properties due to different sizes of the biometric stylus can be avoided. The grip structure is designed to read as many index and thumb prints as possible. Certain preferred embodiments employ a concave cube (see Figure 4C), enlarged cylindrical chamber section (see Figures). The pen grip part 4 is preferably transparent and designed for self-alignment, that is to say, the customer must grasp the pen grip part where the sensor is located when using the stylus. Figure 4B uses a protrusion for automatic alignment without the need for a third sensor to accommodate both left-handers and right-handers. Figure 4D shows a pen-type stylus capable of self-alignment due to tip orientation.

While the power supply unit for the stylus 2 may be contained within the body of the stylus 2, the stylus 2 is preferably not portable and preferably includes a power cord secured to a tablet counter to prevent being tampered with. steal. When transmitting fingerprint signals for processing, the stylus 2 includes a fingerprint imaging sensor structure. A fiber optic cable transmits the fingerprint image to the processor. The processor is located within the surface/protrusion. The stylus 2 includes a sensor structure.

In order to transact with a large number of potential customers, some processing strategy is needed so that the system does not have to continuously process thousands of documents to identify customers.

A primary purpose of credit cards is to provide a primary identifier for file searches. For the system of the present invention to be widely accepted worldwide, it must be possible to distinguish said customer from a crowd of thousands. It is impossible to ask the drive to search this many records for each transaction.

The primary identifier in a traditional credit card transaction is any of the following types: a printed name; a printed PAN; or information stored on a magnetic strip (smart card).

For card replacement, the replacement system preferably also includes at least one primary identifier. Examples of primary identifiers include birthday (6-digit code), zip code, PIN, or printed name. Numerical data is preferred due to language and translation issues, as Arabic numbering is essentially a global standard.

Some basic strategy is required. Since fingerprints can be used to determine whether a customer is left-handed or left-handed, records that do not match the customer's hand can be discarded immediately during processing. In a preferred embodiment, when fingerprints are not used, the signature is the first type of biometric information processed. A different writing style will result in the rejection of almost all registration documents. Index and thumb prints are the next biometric type of information used. If one or both cannot be read, the client is informed accordingly and the transaction is rejected. If the fingerprints are of good quality, each is checked against the remaining records in the enrollment record bank. Keep the fingerprints of each transaction and use them to form an improved combination of customer fingerprints for future transactions.

In a preferred embodiment, numbers (see FIG. 10) are used to simplify the validation process. The customer enters a zip code or possibly a PIN which is checked before signing. If the customer is national or foreign, a postal code should be used, and a PIN should be used if the transaction is local.

The principle of the identification system of the present invention is particularly applicable to the following two basic types of card transactions:

For credit transactions, the customer needs to identify himself/herself so that the institution can determine the credit status and decide whether to prepay the credit. It is critical to establish correct identity at the time of registration so that credit history can be properly accessed and analyzed; and

A prepaid or stored value transaction in which the customer deposits a certain amount of money for later use.

In a preferred embodiment of the present invention, prepaid or stored value type transactions can conceal the correct identity of the customer. In a preferred embodiment of the present invention, the stylus 2 includes an on/off switch. When in the off position, the fingerprint sensor is not used, so no fingerprints are detected for confirmation. In this embodiment, the signature becomes primary biometric information. If a customer signs under a pseudonym, not their real name, withholding their real name, then the system conducts the transaction without knowing the customer's actual name or their fingerprints. As long as the account is accessed under a pseudonym, anonymity is guaranteed when using the identification system of the present invention.

The same result can be achieved with two stylus: (1) Stylus 2 with a fingerprint sensor, for transactions where confidentiality is not a concern; and (2) Stylus 2 without a fingerprint sensor, for stored value or prepaid account. In another embodiment, the fingerprint sensor is included in the pen grip 4, and the pen grip 4 can be detached when the fingerprint is not used. It is only necessary that an individual be able to access his account in order for the system to provide near perfect repeatability. Of course, customers need to remember the pseudonym used to access the account. This is a particularly attractive feature for those concerned with personal privacy, as they can conduct anonymous transactions while using the Stylus 2. In order to obtain a printout of the monthly statement, the customer can go to a specific terminal, verify his identity with the biometric stylus 2, and request the above information.

Deals include closed environments such as casinos, hotels, universities, dormitories, theme parks, prisons, cruise ships, etc. if the potential customers of the deal are under 50,000 people. For such a large number of registrants, no primary identifier is required, but it does result in improved transaction times and system efficiency if used.

The identity verification system of the present invention allows credit card holders to switch accounts for use with a biometric stylus 2 (see Figure 8, which shows a simplified logic diagram). The switching process allows the cardholder to perform transactions with the stylus 2 or by presenting the card. When signing with the stylus 2, the driver accesses the cardholder's card record and creates a duplicate record in the verification system of the present invention. Cardholders then transfer legal currency from their card's balance to the new account. If all available balances are transferred, the credit card is destroyed. Figure 9 shows the payment selector used by the customer to select from which account to pay for the transaction in another variation of the identity verification system of the present invention.

The credit card holder can also use his card to create a new account at the point of sale terminal. The cardholder swipes the card through the card reader and signs with the biometric stylus 2 . The biometric information is captured, and the cardholder then tells the credit card bank the amount to transfer to the new account. Exchange account information, then the card is no longer required.

Various digitizing writing tablets are known in the art. US Patent 5,652,412 (to Lazzouni) discloses a device for reading and storing coordinate information representing the instantaneous position of a stylus on a writing surface. The system provides a writing paper having a pre-recorded pattern of pixels, each pixel including encoded positional information identifying an absolute and unique coordinate location on the paper. This system allows simultaneous recording of written information on encoded paper and recording of written information into memory. Other digitizing tablets can be found in US Patent 5,051,736 (to Bennett et al.), US Patent 5,477,012** (to Sekendur), and US Patent 4,688,933 (to Lapeyre). Additionally, U.S. Patent 5,263,742 (to Koch) discloses a fingerprint capture system in which radiant energy is reflected back through an adhesive for imaging the fingerprint, thereby forming a replica on the photosensitive surface, thereby completing Fingerprint development. Likewise, US Patent 5,709,746 (to Ballard) discloses a self-contained fingerprint collection kit.

Although the biometric stylus 2, signature, and other biometric information obtained from the combination of the stylus 2 and the digitizing tablet are sufficient to distinguish the customer from thousands of people, there is still a need for an efficient search Strategy.

Although improved signature sensing systems have been technologically developed to a considerable extent, signatures are not and never can be biometrically selected information because handwriting and signatures change over time and each signature is different handwriting, so an exact match is impossible. However, signatures are required for legality reasons, so some signature verification will always need to be included in the identification system. The signature of each transaction is retained, forming an improved combination of customer signatures for future transactions.

The required biometric information is provided by the stylus 2 . The primary biometric information is the fingerprint of the index finger, and the thumb print is another primary biometric information. Some examples of secondary biometric information include signature, pen tip pressure, pen grip pressure, accelerometer, gyroscope, index finger position, position of thumb relative to index finger.

Additionally, timers are extremely useful in measuring biometric-type information associated with signatures. Timers can be used to determine acceleration and deceleration, the time required for signatures, the time intervals for the stylus 2 to be lifted from the digitizing surface, and the time it takes to write a name, middle initial, and last name.

Alphanumeric data for primary identifiers can be provided by: (1) digitizing tablets; (2) mice and CRTs; (3) touch-sensitive CRTs; (4) voice and speech recognition; The keypad in the Surface.

In applications involving a larger population, the search for initiating a backup if denied approval includes more than one primary identifier.

A reduction in credit card fraud benefits banks. For criminals, the identity confirmation system of the present invention is virtually impenetrable. The bank controls the entire transaction as it captures and processes much of the necessary biometric information before deciding whether to agree or not. Traders and customers also benefit, as losses from customer fraud are usually passed on to them. Fingerprints are recognized around the world as reliable proof of identity and they are the key to the system. Each finger contains up to 100 distinguishing points that never change over time. Traders benefit from the shortest transaction times. The identity verification system of the present invention minimizes the time between a customer signing and agreeing to a transaction. When a customer signs, the fingerprint data is automatically captured and processed immediately. Any transaction that does not involve cash requires the customer's signature, which is his payment obligation. The customer also benefits from increased transaction efficiency, as he does not need to wait in a slow-moving queue. Customers benefit by canceling all cards. Cards are easily lost or stolen, signatures are easily forged, and PINs are easy for criminals to determine. Although cards are easier to carry than cash, they are almost as negotiable as cash to sophisticated criminals. The identity confirmation system of the present invention avoids carrying all credit cards, cash withdrawal cards, ATM cards, stored value cards and prepaid cards in the wallet, and provides maximum confidentiality and security for customers.

As shown in FIG. 2A , the identity verification system of the present invention uses a biometric stylus 2 with multiple fingerprint imaging sensors within a unique grip 4 . During user registration, electronic images of the index finger and thumb are drawn. The applicant then submits a set of fingerprints using a similar stylus 2 for comparison with the authorized user's set of fingerprints for a match or mismatch. Using two fingerprints makes it impossible to make mistakes. The Stylus 2 protects against counterfeiters because it doesn't matter what is written. The stylus 2 is available from banks, point-of-sale (POS) terminals, and government agencies around the world.

In a preferred embodiment, the principle of the biometric stylus 2 is combined with signature verification technology to identify the applicant and the written content. Additionally, since the fingerprints of the index finger and thumb on the hand are the most common biometrics, once captured these biometrics can be used to compare other types of contacts (eg, keypads). In another preferred embodiment, using a digitizing tablet, the position of the stylus 2 relative to the surface can determine the text being written. A light sensor within the writing surface reads the signature or calligraphy for combination with the fingerprint. Alternatively, instead of or in addition to the light sensor, the system includes a keypad within the writing surface for the customer to enter the PIN.

The stylus 2 can use the following preferred fingerprint sensors.

Veridicom, Inc. uses CMOS chips. These chips are covered with a thin layer of dielectric. When a finger is placed on the top surface of the chip, each sensor acts as the lower plate of the capacitor, while the finger surface acts as the upper plate. The Veridicom chip is about the size of a postage stamp and is easily embedded in laptops and keypads. Attached circuit measures the capacitance of each sensor. The fingertip "dimple" is farther away from the chip, so exhibits lower capacitance. The fingertip "ridges" produce higher capacitance. The chip's dielectric technology allows people to touch this sensitive piece of silicon without damaging it. This dielectric is chemically and mechanically strong enough to allow repeated finger touches, yet electronically sensitive enough to capture fingerprints. Other suppliers of CMOS fingerprint sensors include Siemens and Harris.

Identicator Technologies, Inc. uses Identicator's DFR-200 reader technology and its software algorithm technology. A fingerprint reader the size of a matchbox can pick up all the features and match in less than a second. Instead of entering an ID and password to enter the corporate network, users can simply place their finger on top of the glass lens of a tiny reader that is attached to the PC. The device takes a photocopy of the fingerprint and compares it within a second to a database containing thousands of other fingerprints. The Identicator fingerprint sensor securely authenticates users on a PC.

Identrix's TouchSafe Personal is a modern fingerprint authentication reader designed for hand-held, desktop or server use and facilitates finger placement. TouchSafe Personal uses an internal 32-bit RISC processor, small optics, and encrypted serial communications. An optional smart card reader can store fingerprint templates and other confidential data. Identix's TouchPrint 600Live-Scan workstation is a fingerprint system that electronically scans and captures rolled fingerprints to produce tenprint records of forensic quality.

Registering in the system of the present invention is similar to opening a new bank account. The applicant provides the bank with basic information: name, address, phone number and signature. The only difference is the use of a dedicated stylus2, which enables the bank to capture some data when the applicant signs. This biometric information includes fingerprints of the index finger and thumb, as well as pressure on the tip and grip of the pen.

Accounts can be accessed at any point of sale terminal. The customer signs and prints their name with the same biometric stylus that was used for registration. The biometric information is captured again and compared to the biometric information of all enrollees to search for a match. The bank then confirms that there are sufficient funds in the account, debits the amount from the account, and approves the transaction. That's it.

Credit card holders can also use the card to create a new account at a point-of-sale terminal. The cardholder swipes the card through the card reader, and signs and writes the printed name with the biometric stylus 2 . After the fingerprints are captured, the cardholder notifies the credit card bank of the amount to be transferred to the new account. Exchange account information, then the card is no longer needed.

The automated system judges fingerprint features by showing the consistency of pattern features, taking into account the similarity, number and cell relationship of these features to each other. Assign an x/y coordinate point, flow direction, and relationship with other details to each minutiae point, thereby completing the search and matching of fingerprints. If the stylus 2 must be used to verify a transaction, why not use a sensor and writing surface inside the stylus 2 to confirm identity (forget plastic cards, please).

In yet another embodiment of the identity verification system of the present invention, if necessary, other sensors are added to the stylus 2 to increase security and reduce forgery. These other sensors include a pressure sensor for measuring pen tip pressure; a pressure sensor for measuring pen grip pressure; an accelerometer mounted on the tip of the stylus for measuring stroke speed; a gyroscope to measure the angle of the stylus 2; a thermal sensor located in the grip 4 of the stylus to measure the position of the index finger relative to the tip of the pen; and a thermal sensor located in the grip 4 of the stylus to measure the position of the thumb relative to the index finger position sensor. Additional sensors involve measuring signature speed, customer finger temperature, and more. While all of these biometric identifiers have minor variations, the bank checks as needed until the person asking to enter is authorized to access the account.

In an ideal system, those authorized to enter are always allowed in, while others are always kept out. Therefore, in addition to analyzing primary identifiers and biometric information (primary and secondary), other demographic information is analyzed when determining if identity is problematic, to ensure that the inventive system works in a near-perfect manner. The demographic information includes the location of the transaction request relative to the registrant's original residence, the frequency (if any) that the registrant has participated in such transactions, and whether the registrant has made other transactions in the past 24 hours and those transactions location.

In another embodiment, a grip part compatible with traditional stylus and pencil is provided, and the fingerprint imaging sensor is located in the grip part 4 . The pen-holding portion 4 is symmetrical, preferably in the shape of a cube with recessed side walls. The power cord is fixed with the pen-holding portion 4, provides power for the sensor, and is anti-theft. If the stylus 2 is damaged, it can easily be replaced with another conventional stylus at moderate cost. In addition, since the grip portion has a standard size, any problem of variation of some biometric information due to different sizes of the biometric stylus can be avoided. Some major applications of the system of the present invention are: (1) registration and verification of driver's licenses; (2) registration and verification of voters; (3) law enforcement; (4) credit card verification; (5) all financial transactions; College and secondary school students apply for financial aid and confirm test taker status.

In another embodiment of the present invention, the biometric stylus 2 is combined with one or more primary identifiers for identity verification, replacing credit cards and cash cards, etc. Primary identifiers include phone numbers, names, area codes, or zip codes. The system conducts preliminary searches based on primary identifiers to reduce group size. The identity is then confirmed or denied based on the fingerprint. In another preferred embodiment, an additional biometric sensor is used in addition to the fingerprint.

To better illustrate how the principles of the present invention can be used to replace single-purpose cards, admission cards, cash withdrawal cards in a closed environment, please refer to Figures 11A, 11B and 11C. These figures illustrate various enclosed environments (such as hotel-casinos, stand-alone casinos, and hotel-casinos), respectively. PCT application 97/05736 (to Blackt Dykman) discloses a system by which casinos can use scanners, entry cards and interactive monitors to obtain all information related to live games in casinos. The casino can determine the identity of each player, each player's wagers, each player's wagering decisions, and the value of game materials. See, eg, US Patent 5,326,104; US Patent 5,340,119; and US Patent 5,566,327 (to Sehr). Similarly, Figs. 12A, 12B and 12C are functional block diagrams, respectively showing the block diagram structure of the main components when the system of the present invention is used in Figs. 11A, 11B and 11C.

The system of the present invention includes biometric registration when entering a complex, biometric access to guest rooms, biometric on-site shopping in complexes such as restaurants, lounges, boutiques, and biometric play. Slot machines that use biometrics to play on the gaming table.

To join the inventive system, a guest selects a biometric option during check-in; confirms identity; selects an amount to be entered into a credit account; and enters a biometric identifier to be used on-site during their stay. Then, when the customer wants to enter his room or wants to access his credit account, the identity is confirmed by matching the biometric identifier, so the customer can use all the amenities provided in the complex.

The selected biometric identifiers include fingerprints of hands, since people naturally touch devices such as slot machines, keypads, door locks, and stylus 2 with their hands. Although there are other lines on the hand, such as the palm and fingerprints of all fingers, the thumb and index finger prints are preferred, for reasons that will be explained later. When registering, explain to the guest that they can choose one or more activities to participate in on-site during their stay. Different process interfaces...

The first option is traditional identification, where guests carry cash, chips, credit cards, etc. into various areas within the complex, such as guest rooms, table games in the arcade, coin-operated game machines in the arcade, shops, lounges, etc. rooms, restaurants and entertainment performances, etc.

A second option is the system described in PCT Application 97/05736 (to Black et al.), in which the guest uses a key card within the hotel complex. The room key is in the generic shape of a credit card and gives access to the room. The other side of the door key has value added during check-in, which allows the guest to use the card to pay for goods and services in the building, as long as there is sufficient value in the credit account to pay for those goods and services. When the value of the charge account is exhausted, the customer either purchases additional value, or uses another payment method.

In order to prevent unauthorized persons from using the card, the user identifies himself before using it. While PINs are useful for identification, it is generally believed that a more secure means than PINs is required when comparable values are involved. The identifier of choice for this system is the thumbprint, with which the guest identifies himself. The fingerprints are registered at check-in and are retained digitally in a file for the guest. The key card includes data matching the guest with that fingerprint. The guest inserts the key card into the card reader, requesting access to the credit account. Once the thumbprints match, access is granted.

As mentioned in the first option, the key card system is fully compatible with legacy systems. Both systems can be used side by side, with some guests using the first option while others use the second. For the same guest, it is also possible to use the key card system for a while, then switch to the traditional system at any point, and then back to the key card system again.

A third option is the handling control system of the present invention, which is compatible with traditional systems, key card selection, both systems together, and even others. Since a biometric is preferably used in a key card system, the system of the present invention eliminates the need for a key card at all and simply allows guests to use the biometric to access their credit account from anywhere in the complex.

For right-handers, the biometric identifier of choice is the fingerprint of the right thumb and index finger, and for left-handers, the biometric identifier of choice is the fingerprint of the left thumb and index finger. The fingerprint is provided to the system processor by traditional means, ie the guest places his thumb and then his finger on the transparent button, causing the fingerprint to be read and digitized for subsequent use. Similar to the check-in system, verification of thumb and finger prints can be done with light sensors at all point-of-sale terminals within the complex.

Another means of biometric identification at all point-of-sale terminals consists of the stylus 2, which allows the hotel to use the signature submitted by the guest as an identifier at check-in.

Another way to register with the system of the present invention is to use a unique biometric stylus 2 . The biometric identifiers are preferably index and thumb prints and are detected by the stylus 2 . The stylus 2 preferably has a dedicated detection grip 4, sized and shaped to fit the hand and to read the thumb and index finger well. The pen grip part 4 is transparent. The stylus 2 is preferably portable and discrete, and includes a light sensor or fingerprint imaging sensor. Once the fingerprint is read, the fingerprint signal is passed on for further processing. In the casino, guests can add money to the account at the terminal.

When using the stylus 2, generally use the index finger and the thumb to pinch the pen so as to write on the plane. The stylus 2 consists of two adjacent flats which are specially constructed to optimally capture the complete fingerprint. If the guest is right-handed, the surface used to read the index finger is to the right of the second surface. If the guest is left-handed, the surface for reading the index finger is to the left of the second surface. In both cases, the second surface is used to read the guest's thumb. Accordingly, a sensor is embedded in the stylus 2 to read each fingerprint.

Fingerprint capture and verification systems are commercially available from Thomson CSF Semiconductor Specifiques (TCS) and Oxford Micro Devices, Inc. TCS's Fingerchip ^TM silicon fingerprint sensor is configured with Oxford's A236 video digital signal processor chip to create a fully programmable and optimized fingerprint capture and authentication system. The Fingerchip ^TM measures only 2 mm x 17 mm and uses fingerprint imaging technology to capture images of guests' fingerprints placed on the chip's protected surface. After the finger is swept across the surface, the fingerprint image is reconstructed from a sequence of video images and digitized. The image data is then processed and reconstructed using all of Thomson's algorithms, and then the fingerprints are verified.

Another version of the biometric stylus 2 uses a light sensor and optical imaging (see Figures 17A and 17B). One or more sensors are preferably compatible with the photoelectric detection and processing system. Sensors allow for the presence of new biometric fingerprints during check-in. The sensors interface cooperatively with the processor, where the fingerprint is stored for later use. When the new biometric fingerprint matches the biometric reference fingerprint, the processor tells the clerk at the point of sale terminal that the credit account can be accessed.

The optoelectronic system includes a laser source for increased system accuracy and uses Fourier transforms, as is commonly done in various applications of pattern recognition technology. The sensor is extremely sensitive to the relative angular orientation of the matched filter and the biometric fingerprint.

The handprint area on the surface of the biometric stylus 2 can read biometric fingerprints, is transparent, and provides means for real-time angular orientation and real-time response. The thumb and forefinger are placed on the fingerprint area of the biometric stylus 2 .

Light from the laser shines on the thumb and index fingertips, and the reflected light from the thumb and index fingertips passes as an encoded beam through a spherical lens that projects the beam onto a matched filter located in its shadow plane. The matched filter represents a complex spatial Fourier transform of images of thumb and forefinger reference fingerprints, produced by coherent light on any suitable recording medium. Wherein said recording medium includes photographic medium, thermoplastic medium or photothermoplastic medium, etc.

For subsequent matching, the thumb or index finger is rotated so that the Fourier transform of the detected thumb is aligned with the holographic representation stored for the authorized thumbprint. As the thumb is rotated, the correlation process continues in time until the images are angularly matched and a correlation signal is provided.

Fourier spectral comparisons provide invariance to in-plane displacement of the detected thumb, as well as invariance to in-plane scale differences. This process automatically forms a correlation signal within the wavefront, this process is absolutely real-time, and it is the result of a two-dimensional space comparison.

Place a photosensitive element in the shaded plane of the matched filter. The command signal output by the photosensitive element is cooperatively engaged with a security access component, such as a door lock trip section with a guest room, or a slot trigger component that engages the rotating drum of a slot machine to rotate it. The secure access system of the present invention is compatible with any mechanical, electronic or pneumatic locking control which operates in response to command signals from photocells.

Optical locking systems using biometric identifiers are well known in the art. US Patent 5,138,468 (to Barbenell) discloses a keyless holographic lock, while US Patent 4,876,725 (to Tomko) discloses a fingerprint authentication optical system.

The stylus 2 has a dedicated detection grip 4 that is sized and shaped to fit the hand and to read well. The cross section of the stylus 2 is generally a rectangle with rounded corners, and the fingerprint surface for placing the thumb and forefinger is slightly concave.

In another variant, the biometric stylus 2 is secured to a surface or protrusion by means of a plastic-coated hollow tube containing an optical cable. The image of the fingerprint is sent via an optical cable to a processor inside the surface or protrusion. The sensor is installed inside the stylus 2 . In another variant, the biometric stylus 2 is discrete and portable. Although the sensor is still inside the stylus 2, the fingerprint signal is sent to the processor for conversion and storage. Thumb and index finger prints are retained in the system processor as a reference for subsequent comparisons. Goods and service providers have a similar stylus 2 with which customers can identify themselves and access credit accounts.

The biometric stylus 2 also has applications beyond hotel and arcade applications. Such other applications include transactions at any point of sale, buying and selling of controlled items such as firearms, liquor, drugs, etc., on-site access to accounts in banks, renewal of driver's licenses, and verification of all tester identities, among others.

Among these other applications mentioned above, the advantages of the biometric stylus 2 include that it is more secure than a driver's license or credit card when used for identification, and since fingerprints are compared not what is written, even anonymous signatures can be used. Use a stylus.

The system of the present invention allows access to the guest suite when the guest holds the doorknob and turns the handle, and once the doorknob is held, identity is confirmed. Most hotel rooms are accessed through locked doors. When the guest wants to enter the room, he holds the lock handle with his thumb in a preset position, usually at the top of the barrel that secures the lock to the door. The guest applies pressure to the lock, and the thumbprint is read by the light sensor. The computer looks for the thumbprints of guests who have checked into the room and makes a match. If the identity is confirmed, the room is allowed to enter (see Figure 15). Likewise, Figure 16 shows a biometric fingerprint captured when applying to a gas station, the card can be used to confirm identity when the guest house fills up the tank.

The engagement member is configured to detect a biometric fingerprint when the hand contacts the engagement member. When hand pressure is applied in a clockwise direction, the engagement members are repositioned. The engagement member includes one or more transparent fingerprint areas that allow the photoelectric sensor to read and analyze the fingerprint. The engagement member allows access to the room, which can be accessed through the use of a knob or latch handle, a vehicle door (see Figure 19B).

When a person is about to enter a restricted area, he applies force to an engaging member. This force could be a push or pull on a button or digital key, or a torque on a knob or latch doorknob. Contact of the person's hand with the jointed parts is necessary.

When opening a joint, such as a door lock, by applying moderate or light hand pressure, more than one fingerprint on the hand is required to compress the joint. Read and retain thumb prints, index finger prints, and even some other prints for later comparison. Hotel clerks assign a room and enter data into the system, assigning each room the guest's fingerprint.

Next, the fingerprint is read when the lock or doorknob is held when access to the room is requested. One or more sensors are located within the engagement member for detecting and retaining new biometric fingerprints. Data associated with these biometric fingerprints are detected and retained for subsequent use when the engaging components are contacted.

First, scan the primary fingerprint (thumbprint) to judge whether a good fingerprint has been read, which can be compared and matched. If the fingerprint is ambiguous, then one or more secondary fingerprints (index, other fingers, or palm prints) are detected. No search is performed until a good fingerprint is provided that can be compared.

The processor compares the new biometric fingerprint to the fingerprints of all those who have been authorized to enter a particular room and searches for a match. Entry to the guest room is only granted if the biometric fingerprint of the person requesting entry matches the biometric fingerprint of the person authorized to enter the room.

For applications involving a small number of authorized users (guest room, or telephone terminal or computer terminal in the guest room), if the guest requesting entry provides a good primary fingerprint, only one fingerprint is compared, and if there is no match, no other fingerprints need to be read. If the results are inconclusive, then one or more secondary fingerprints are compared for a likelihood match.

The system of the present invention is particularly suitable for use with conventional door locking mechanisms. Figure 15 shows a first embodiment of the system of the invention in use with a latch for a door. This type of latch is commonly found in homes, apartments, offices and hotels. To engage the latch, place your thumb on the circular indentation of the latch handle, which fits with the fixed portion of the latch, which is perpendicular to the latch handle. Primary fingerprints are those of the thumb and index finger. The hand engagement mechanism does not rotate unless identity has been confirmed.

The profile of the engaging parts is partially recessed to enable three-dimensional scanning of each fingerprint. If the button is flat and requires only a little force to engage, the fingerprint read cannot confirm identity with sufficient confidence.

Figure 15 shows a second preferred embodiment of the engagement member when the system of the present invention is used with a ball lock. The ball lock is modified to include multiple arcs that fit the thumb and each finger when gripping the ball lock. The spherical door lock is specially treated and designed to match the shape of the hand when holding the spherical door lock. The position of the thumb and each finger is preset in digits, which is suitable for the individual hand shape. Residents can choose from a variety of shapes and sizes.

The engaging components may be locked until the identity of the guest is confirmed. Before marking, also reposition the mated parts, but do not coincide with the tripped part. Once identity is confirmed and the guest is identified as an authorized entrant, access is granted. The latter method provides more time for the system to confirm the user's identity. Figure 19A is a simplified logic diagram for biometric access to a room.

Additionally, push-pull ball locks (not shown) are becoming more common, especially for the elderly, who have difficulty holding securely and applying sufficient force. The principles of the invention are fully applicable to these knobs for the actual situation described, and the sensor is located in the knob to respond to the appropriate hand force or movement, ie pulling or pushing, used to contact these doors.

In a similar manner, the system of the present invention is constructed to allow a player to access any slot machine in a purely biometric manner. The mating operation of the levered coin slot is similar to the latched door in the hotel above. The player grasps the handle and pushes forward, with the thumb resting on the predetermined position of the lever. The light sensor reads the fingerprint and looks for a match among all registered fingerprints in the system. Once identity is confirmed and sufficient credits are available to cover wagers, the reels in the slot machine engage and play is permitted. The player whose biometric identifier guarantees the bet is the one who has access to the credit account. The biometric identifier prevents any unauthorized actions. If the player wins, the points increase, and if the player loses, the points decrease. If the slot machine is of the button type, the player requests a game on the machine by pressing a button.

Additionally, the system allows players to participate in any of the table games in the venue, either at the table or remotely. Although the principles of the present invention are applicable to all games played in a casino (such as roulette, craps, baccarat, etc.), for illustrative purposes only, blackjack is primarily referenced in this specification. The player presses a button on the location, requesting access to his credit account. A light sensor reads the fingerprint and looks for a match among all enrolled fingerprints within the system. Once identity is confirmed and the credits available in the player's credit account are sufficient to pay, play is permitted. If the player wins, the points increase, and if the player loses, the points decrease. Before each hand, identity is confirmed biometrically.

Unless the player changes the bet after each play, the next game will generally be the same bet. However, the player needs to press the "again" button before each game to confirm that the player is still seated (see Figure 14). Figures 13A-13D are simplified roulette game logic sequences illustrating the game system for use with the systems of Figures 11A and 11B, starting with a player's initial clearing entry to his final exit from the game.

The present system allows guests to shop on-site at restaurants, lounges, boutiques, etc., and access balances registered with the complex. The guest holds the same biometric stylus 2 that was used to enter index and thumb prints during check-in. A light sensor reads the thumb and index finger prints via the stylus and looks for a match among all enrolled prints in the system. Once identity is confirmed, and the available balance in the guest's credit account is sufficient to cover the purchase, the purchase is allowed and the purchase amount is subtracted from the balance. Alternatively, guests provide a fingerprint of a finger or thumb at a point-of-sale terminal via traditional sensors to confirm identity.

The secure access system has various applications: access to any private area; replacement of any PIN; telephone handsets and related off-market transactions; and computer keyboards and related off-market transactions. The system can also be included in process control environments where safety is required. The secure access system allows authorized access to a restricted area and balance, and includes an engagement component, one or more sensors, a processor, and a secure access component.

Applications that need to match the fingerprint of a guest requesting entry to a limited number of authorized entrants (e.g., entering a guest room) versus many guests in a system (e.g., slot games and table games in a casino) ) comparisons are applied differently. Although both cases require comparing known authorized entrants, the former involves a much smaller amount and the handling is greatly simplified. In the latter, the central processing unit needs to process a considerable amount of data and use a search strategy to simplify the search.

For example, in applications involving slot machines, the search is to compare the fingerprint of the player requesting entry with the fingerprints of all registered guests. First, the fingerprint of the guest requesting entry is compared to the last player to play the slot machine. If there is no match, the fingerprint is compared to the fingerprints of other players who have played the adjacent machine. Finally, expand the scope for matching until all registered guests are shown. For efficiency, the fingerprints are typed and classified, as is well known in the art. For each range increase, fingerprints that have been previously checked may not be checked. The scope continues to expand until a match is found, or the search is complete.

The system of the present invention is readily adapted for over-the-counter trading, and other applications involving telephone or computer keyboards (not shown). Often it is necessary to reliably confirm the identity of the person on the other end of the telephone. For over-the-counter transactions using the telephone, it is important to verify the identity of the purchaser. Additionally, many phones now have caller ID, where the person answering an incoming call can read the caller's phone number before replying. If the caller uses the engagement member of the present invention, the recipient can also recognize the identity of the caller.

For a phone handle or earpiece, the primary fingerprint is that of the thumb, index or middle finger. In another embodiment, a light sensor is also placed against any number keys on the phone and the identity is confirmed. This approach is useful in applications involving a small number of users, since only one fingerprint is read.

When used in applications involving keypads and computer keyboards, the system of the present invention includes a modified keyboard in which the sensor is placed relative to an active key or a dedicated biometric key having a recess , used to collect three-dimensional fingerprints (see Figure 10). When one or more keys are pressed, the user's fingerprint is read to confirm whether access is authorized.

It is also possible to place the light sensor relative to any number key on the keypad and confirm the identity. Since only one fingerprint is read, the required user fingerprint library is smaller. However, keypad sensors are useful in situations where a caller's phone number is read and only a limited number of people are authorized to use that number, as with a modem. Plus, a keypad sensor can be combined with a PIN for added security.

Preferably, multiple biometric fingerprints are used to confirm the identity. Secondary biometric information includes not only fingerprints, thumbprints, and palm prints, but also speech and voice recognition and reading of facial features (retina scan, infrared facial feature reading, feature intervals, etc.) For example, in order to enter a guest room, A parallel system may include recorded queries asking "Who's there?" Responses are recorded through the speaker and speech recognition is used to identify the speaker. Speech recognition can also be used to monitor response content. In addition, facial imaging scanners are placed in guest room doors, as well as in suspended cameras with monitors in the playground for the capture of secondary biometric information. For law enforcement purposes, all unauthorized biometric fingerprints are retained to help identify and prove burglars and thieves.

The present invention is also applicable to casino-hotel complexes that exclude slot machines, table games, and other types of gaming activities. Likewise, the principles of the present invention apply to freestanding playgrounds without guest rooms. For stand-alone casinos, off-site registration can be done with a pre-authorized third party, or with the casino.

Throughout this application, various US Patents, US Patent Applications, and US Provisional Applications are cited by patent number or subject matter and inventor. The entire contents of these patents/applications are incorporated by reference into this specification in order to more fully describe the state of the art to which this invention pertains.

Apparently, those skilled in the art can easily make many changes, modifications and changes to the identity confirmation system of the present invention under the guidance of the contents disclosed herein. The scope of the present invention is defined by the appended claims rather than the description in the above specification, and all changes, modifications and changes forming equivalents are embraced within the spirit and scope of these claims.

Claims (10)

1. stylus that is used to write, it is characterized in that, described stylus comprises a stylus hold a pen a portion and a sensor, described sensor is positioned at the described stylus portion that holds a pen, described sensor can be caught to such an extent that hold the author's thumbprint data, described thumbprint data be used for the thumbprint data of reference relatively, confirming the described the author's of holding identity, thereby identity validation and content written have nothing to do.

2. stylus as claimed in claim 1 is characterized in that, also comprises being positioned at the device that the described stylus portion of holding a pen is used to detect the finger print data relevant with forefinger.

3. stylus as claimed in claim 1 is characterized in that, also comprises the device of the biometric typing data that are used to detect non-finger print data.

4. stylus as claimed in claim 1 also comprises the device of the biometric typing data that are used to detect non-finger print data and signed data.

5. stylus as claimed in claim 1 is characterized in that, also comprises the device that is used to catch a main identifier.

6. a stylus that is maintained fixed with traditional stylus portion that holds a pen is characterized in that the described stylus portion that holds a pen forms a writing appliance with traditional stylus, and the described stylus portion of holding a pen comprises:

One through hole, described through hole extend through the described stylus portion that holds a pen, and described stylus passes and locatees from described stylus holds a pen the through hole of portion, and the described stylus portion's through hole that holds a pen is maintained fixed hold a pen portion and described stylus of described stylus; With

Finger print detection device, it is positioned at the described stylus portion that holds a pen, the finger print data that is used to catch the stylus user, described finger print data be used for and the reference fingerprint data relatively, so that the identification document that utilizes described user to carry, the described user of the described finger print detection device of identification contact.

7. the stylus as claimed in claim 6 portion that holds a pen is characterized in that described finger print detection device is used to catch described stylus user forefinger and thumbprint data.

8. an indentity identifying method is characterized in that, said method comprising the steps of:

Catch the people's of this fingerprint sensor of contact finger print data with a fingerprint sensor, thereby finish registration to this fingerprint sensor contactee, wherein said fingerprint sensor is caught described fingerprint sensor contactee's reference fingerprint data, and described reference fingerprint data are used for later authentication; With

Authenticate an applicant identity with a stylus, wherein said stylus is caught the applicant's that holds a pen finger print data, by the finger print data that will capture and described reference fingerprint data relatively, confirms described applicant's identity;

Thus, will be in a record in the described reference fingerprint data storage of catching between user's record time, the identification document that utilizes described applicant to carry is visited the described reference fingerprint data in the described record, and wherein said identification document comprises the data that can visit described reference fingerprint data.

9. indentity identifying method as claimed in claim 8 is characterized in that, described sensor is used to catch the thumbprint data of holding the author of holding described stylus.

10. indentity identifying method as claimed in claim 8 is characterized in that, described sensor is used to catch described stylus writer's forefinger and thumbprint data.

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