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GB2199681A - Anti fraud system - Google Patents

Anti fraud system Download PDF

Info

Publication number
GB2199681A
GB2199681A GB08624997A GB8624997A GB2199681A GB 2199681 A GB2199681 A GB 2199681A GB 08624997 A GB08624997 A GB 08624997A GB 8624997 A GB8624997 A GB 8624997A GB 2199681 A GB2199681 A GB 2199681A
Authority
GB
United Kingdom
Prior art keywords
code
personal
card
visual display
credit
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Withdrawn
Application number
GB08624997A
Other versions
GB8624997D0 (en
Inventor
Henry James Davey
Alan George Steady
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Individual
Original Assignee
Individual
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Individual filed Critical Individual
Priority to GB08624997A priority Critical patent/GB2199681A/en
Publication of GB8624997D0 publication Critical patent/GB8624997D0/en
Publication of GB2199681A publication Critical patent/GB2199681A/en
Withdrawn legal-status Critical Current

Links

Classifications

    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
    • G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
    • G06Q20/347—Passive cards
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07F—COIN-FREED OR LIKE APPARATUS
    • G07F7/00—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus
    • G07F7/08—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means
    • G07F7/10—Mechanisms actuated by objects other than coins to free or to actuate vending, hiring, coin or paper currency dispensing or refunding apparatus by coded identity card or credit card or other personal identification means together with a coded signal, e.g. in the form of personal identification information, like personal identification number [PIN] or biometric data
    • G07F7/1025—Identification of user by a PIN code
    • G07F7/1058—PIN is checked locally

Landscapes

  • Physics & Mathematics (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Business, Economics & Management (AREA)
  • Microelectronics & Electronic Packaging (AREA)
  • Computer Networks & Wireless Communication (AREA)
  • Accounting & Taxation (AREA)
  • Strategic Management (AREA)
  • General Business, Economics & Management (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

A credit or cheque card bears a code consisting of the owner's date of birth together with letters of his choice. A reader compares the code with one keyed in and displays "ACCEPT" or "REJECT".

Description

DOB ANTI-FRAUD SYSTEM This system is designed to eliminate fraud regarding the use of both credit cards and cheque cards: The system is based on a D.O.B. Personal Code which is known only by the card owner and the issuing company.
The Personal D.O.B. Code is the individual card owners date of birth ie (11.03.1941) plus two additional letters of the alphabet of card owners choice the D.O.B. Code is printed on the credit/cheque card, pin code bar which is not visible.
Credit cards and cheque cards will be passed through the D.O.B. visual display unit for clerance.
Card holders will be asked for their D.O.B. Code which is then keyed in to the V.D.U. if the D.O.B. Code matches the code on the pin bar code the V.D.U. will display "Accept". The transaction can be completed.
If the D.O.B. does not match, the V.D.U. will display 1,Reject" no transaction should take place.

Claims (1)

  1. The D.O.B AITI FRAUD SYSTEM: is designed to stop fraud at the point of purchase, by identifing the credit card presenter as the genuine card owner.
    The system is a nine digit personal code number, the first six digits are the card holders date of birth.
    The final tnree digits would be initials of family or relatives of their own choice.
    i.e: 11.03.41 BKJ The card holders personal code number would be printed on the pin bar code strip which is on the back of all forn:s of credit, cash and Eankers Cards.
    The credit card is inserted into a visual display reader machine, the personal D.O.E code is then keyed in, if the personal code matches the code entered on the pin bar strip the visual display will show "ACCEPTS".
    If the code does not match, the visual display will show "REJECT". If the latter is displayed no purchase or transaction should ta--e place.
    The personal code is not displayed at any time.
    The Date of mirth Anti Fraud System can be used in any transaction where identification is required.
GB08624997A 1986-10-17 1986-10-17 Anti fraud system Withdrawn GB2199681A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB08624997A GB2199681A (en) 1986-10-17 1986-10-17 Anti fraud system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB08624997A GB2199681A (en) 1986-10-17 1986-10-17 Anti fraud system

Publications (2)

Publication Number Publication Date
GB8624997D0 GB8624997D0 (en) 1986-11-19
GB2199681A true GB2199681A (en) 1988-07-13

Family

ID=10605957

Family Applications (1)

Application Number Title Priority Date Filing Date
GB08624997A Withdrawn GB2199681A (en) 1986-10-17 1986-10-17 Anti fraud system

Country Status (1)

Country Link
GB (1) GB2199681A (en)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7028193B1 (en) * 1997-05-24 2006-04-11 Ncr Corporation Method and apparatus for determining the validity of a data processing transaction

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3597734A (en) * 1968-10-04 1971-08-03 George A Harris Jr Sequentially operated system for authenticating credit cards
US3643064A (en) * 1969-03-28 1972-02-15 Hudson Corp Code authenticator
US3996450A (en) * 1975-03-31 1976-12-07 Ncr Corporation Secret number change routine
GB1458646A (en) * 1974-07-08 1976-12-15
GB1576232A (en) * 1977-02-02 1980-10-01 Diebold Inc Verification systems
GB2112190A (en) * 1981-12-23 1983-07-13 Omron Tateisi Electronics Ltd Personal identification system
GB2127604A (en) * 1982-09-17 1984-04-11 Weston William A Card security apparatus

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US3597734A (en) * 1968-10-04 1971-08-03 George A Harris Jr Sequentially operated system for authenticating credit cards
US3643064A (en) * 1969-03-28 1972-02-15 Hudson Corp Code authenticator
GB1458646A (en) * 1974-07-08 1976-12-15
US3996450A (en) * 1975-03-31 1976-12-07 Ncr Corporation Secret number change routine
GB1576232A (en) * 1977-02-02 1980-10-01 Diebold Inc Verification systems
GB2112190A (en) * 1981-12-23 1983-07-13 Omron Tateisi Electronics Ltd Personal identification system
GB2127604A (en) * 1982-09-17 1984-04-11 Weston William A Card security apparatus

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7028193B1 (en) * 1997-05-24 2006-04-11 Ncr Corporation Method and apparatus for determining the validity of a data processing transaction

Also Published As

Publication number Publication date
GB8624997D0 (en) 1986-11-19

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Legal Events

Date Code Title Description
WAP Application withdrawn, taken to be withdrawn or refused ** after publication under section 16(1)