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GB2277183A - Security device - Google Patents

Security device Download PDF

Info

Publication number
GB2277183A
GB2277183A GB9306672A GB9306672A GB2277183A GB 2277183 A GB2277183 A GB 2277183A GB 9306672 A GB9306672 A GB 9306672A GB 9306672 A GB9306672 A GB 9306672A GB 2277183 A GB2277183 A GB 2277183A
Authority
GB
United Kingdom
Prior art keywords
tag
electronic
automatic teller
pin
reader
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Withdrawn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
GB9306672A
Other versions
GB9306672D0 (en
Inventor
Geoffrey Stephen Edwards
Graham Haliwell
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.)
NIMTECH
Oxley Developments Co Ltd
Original Assignee
NIMTECH
Oxley Developments Co Ltd
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 NIMTECH, Oxley Developments Co Ltd filed Critical NIMTECH
Priority to GB9306672A priority Critical patent/GB2277183A/en
Publication of GB9306672D0 publication Critical patent/GB9306672D0/en
Publication of GB2277183A publication Critical patent/GB2277183A/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Withdrawn legal-status Critical Current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
    • G07F7/1008—Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • 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
    • G06Q20/341—Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
    • G06Q20/3415—Cards acting autonomously as pay-media
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07C—TIME OR ATTENDANCE REGISTERS; REGISTERING OR INDICATING THE WORKING OF MACHINES; GENERATING RANDOM NUMBERS; VOTING OR LOTTERY APPARATUS; ARRANGEMENTS, SYSTEMS OR APPARATUS FOR CHECKING NOT PROVIDED FOR ELSEWHERE
    • G07C9/00—Individual registration on entry or exit
    • G07C9/20—Individual registration on entry or exit involving the use of a pass
    • G07C9/29—Individual registration on entry or exit involving the use of a pass the pass containing active electronic elements, e.g. smartcards
    • 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
    • G—PHYSICS
    • G07—CHECKING-DEVICES
    • G07G—REGISTERING THE RECEIPT OF CASH, VALUABLES, OR TOKENS
    • G07G1/00—Cash registers
    • G07G1/12—Cash registers electronically operated

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)
  • Lock And Its Accessories (AREA)
  • Credit Cards Or The Like (AREA)

Abstract

A security device which incorporates a non-volatile electronic "tag" which can be programmed with a PIN number and is capable of being read by a reader on an automatic teller. The electronic tag can be hidden in a personal artifact e.g. finger ring, watch, pendant or key, which is presented to the automatic teller for reading, either instead of a conventional manually inserted PIN or in addition to the conventional PIN.

Description

DESCRIPTION SECURITY DEVICE The present invention is concerned with a security device which has particular application in connection with banking cards.
The fraudulent use of banking cards is increasing , > rapidly and becoming more and more sophisticated.
Conventional banking cards have a magnetic strip which encodes the card number and a separate personal identification number (PIN) which is entered into the automatic teller by the user. A computer in the automatic teller then checks the PIN with the card number and, if they match, the transaction can proceed.
There are several potential methods of fraudulent use, most of which involve stealing the card and obtaining the PIN number by theft, by surveillance of the automatic teller, tampering with mail etc. In particular, the users of so-called gold or platinum (high value) cards tend to be targeted.
It is the principal object of this invention to substantially reduce, if not eliminate completely, the risk of this fraud.
The invention takes advantage of the availability of modern non-volatile electronic tagging circuitry and in particular, circuitry which can be programmed with, for example, a PIN number and then capable of being read by a reader such as on the automatic teller.
Thus, in accordance with the present invention, there is provided a security device incorporating a nonvolatile electronic "tag" which can be programmed with a special PIN number, and is capable of being read by a reader on an automatic teller.
A typical circuit design for this purpose could be based on the circuits disclosed in U.K. Patents Nos.
1572342 and 2142172 or more recent fully integrated devices, such as those manufactured by Xicor and Hughes.
A particular preferred feature of the invention is that the electronic tag can be hidden in some personal artefact, such as a finger ring, watch, pendant, within a key and the like, which is presented to the automatic teller for reading, either instead of a conventional manually inserted PIN or in addition to the conventional PIN.
The security tag may, in some cases, be fashioned by the card provider, especially for the high value prestige gold cards, as a promotional feature.
In some embodiments, 'unauthorised' removal of the artefact from the wearer could also be designed to erase the PIN from the device, for example in unclasping a wrist watch variant, thereby rendering the circuit useless to a thief and preventing him/her from activating the automatic teller.

Claims (5)

1. A security system for preventing the fraudulent use of banking cards, comprising an automatic teller having a reader and a plurality of portable personal artifacts, each of which incorporates therewithin a respective non-volatile electronic "tag" circuit which is programmed with a special, individual PIN number and is capable of being read by said reader on the automatic teller to check whether to enable a transaction to proceed.
2. A security system as claimed in claim 1, wherein said personal artifact is a finger ring, a watch, a pendant, or a key within which said electronic "tag" circuit is hidden.
3. A security system as claimed in claim 2, wherein unauthorised removal of the artifact from the wearer is arranged to erase the PIN information from the electronic "tag" circuit.
4. A security system as claimed in claim 3, when appendant to claim 3, wherein, when the personal artifact is a watch, unclasping of the watch is arranged to erase the PIN information from said electronic "tag" circuit.
5. A security device incorporation a nonvolatile electronic "tag" which can be programmed with a special PIN number and is capable of being read by a reader on an automatic teller.
GB9306672A 1993-03-31 1993-03-31 Security device Withdrawn GB2277183A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
GB9306672A GB2277183A (en) 1993-03-31 1993-03-31 Security device

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
GB9306672A GB2277183A (en) 1993-03-31 1993-03-31 Security device

Publications (2)

Publication Number Publication Date
GB9306672D0 GB9306672D0 (en) 1993-05-26
GB2277183A true GB2277183A (en) 1994-10-19

Family

ID=10733048

Family Applications (1)

Application Number Title Priority Date Filing Date
GB9306672A Withdrawn GB2277183A (en) 1993-03-31 1993-03-31 Security device

Country Status (1)

Country Link
GB (1) GB2277183A (en)

Cited By (12)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0774737A3 (en) * 1995-11-16 1998-11-04 Ncr International Inc. An authorization device
GB2427734A (en) * 2006-04-11 2007-01-03 Dennis Mervyn Coombe A verification arrangement
EP2956825A4 (en) * 2013-03-15 2016-04-06 Apple Inc FACILITATING TRANSACTIONS WITH A USER ACCOUNT USING A WIRELESS DEVICE
US9400977B2 (en) 2014-05-29 2016-07-26 Apple Inc. User device enabling access to payment information in response to mechanical input detection
US9864984B2 (en) 2014-05-29 2018-01-09 Apple Inc. Apparatuses and methods for operating a portable electronic device to conduct mobile payment transactions
US10650443B2 (en) 2014-03-31 2020-05-12 Monticello Enterprises LLC System and method for providing data to a merchant device from a user device over a wireless link
US10977716B2 (en) 2014-03-31 2021-04-13 Monticello Enterprises LLC System and method for providing multiple application programming interfaces for a browser to manage payments from a payment service
US11017384B2 (en) 2014-05-29 2021-05-25 Apple Inc. Apparatuses and methods for using a primary user device to provision credentials onto a secondary user device
US11282131B2 (en) 2014-03-31 2022-03-22 Monticello Enterprises LLC User device enabling access to payment information in response to user input
US11343370B1 (en) 2012-11-02 2022-05-24 Majen Tech, LLC Screen interface for a mobile device apparatus
US11431834B1 (en) 2013-01-10 2022-08-30 Majen Tech, LLC Screen interface for a mobile device apparatus
US11836784B2 (en) 2014-03-31 2023-12-05 Monticello Enterprises LLC System and method for providing a search entity-based payment process

Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB1422217A (en) * 1972-04-11 1976-01-21 Gretag Ag Identification system
GB1505715A (en) * 1974-03-25 1978-03-30 Innovation Ste Int Systems for the transfer of data
GB2129176A (en) * 1982-10-12 1984-05-10 Roundel Electronics Identification system
GB2181582A (en) * 1985-10-11 1987-04-23 Victor Campbell Blackwell Personal identification device
GB2238146A (en) * 1989-11-16 1991-05-22 James Lee Remote controller
GB2242769A (en) * 1990-04-02 1991-10-09 Brandsystem Ltd Credit and bank cards

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
GB1422217A (en) * 1972-04-11 1976-01-21 Gretag Ag Identification system
GB1505715A (en) * 1974-03-25 1978-03-30 Innovation Ste Int Systems for the transfer of data
GB2129176A (en) * 1982-10-12 1984-05-10 Roundel Electronics Identification system
GB2181582A (en) * 1985-10-11 1987-04-23 Victor Campbell Blackwell Personal identification device
GB2238146A (en) * 1989-11-16 1991-05-22 James Lee Remote controller
GB2242769A (en) * 1990-04-02 1991-10-09 Brandsystem Ltd Credit and bank cards

Cited By (28)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0774737A3 (en) * 1995-11-16 1998-11-04 Ncr International Inc. An authorization device
GB2427734A (en) * 2006-04-11 2007-01-03 Dennis Mervyn Coombe A verification arrangement
US11652916B1 (en) 2012-11-02 2023-05-16 W74 Technology, Llc Screen interface for a mobile device apparatus
US11343370B1 (en) 2012-11-02 2022-05-24 Majen Tech, LLC Screen interface for a mobile device apparatus
US12261974B1 (en) 2013-01-10 2025-03-25 W74 Technology, Llc Screen interface for a mobile device apparatus
US11431834B1 (en) 2013-01-10 2022-08-30 Majen Tech, LLC Screen interface for a mobile device apparatus
EP2956825A4 (en) * 2013-03-15 2016-04-06 Apple Inc FACILITATING TRANSACTIONS WITH A USER ACCOUNT USING A WIRELESS DEVICE
US11978035B2 (en) 2013-03-15 2024-05-07 Apple Inc. Facilitating transactions with a user account using a wireless device
US10650443B2 (en) 2014-03-31 2020-05-12 Monticello Enterprises LLC System and method for providing data to a merchant device from a user device over a wireless link
US11669884B2 (en) 2014-03-31 2023-06-06 Monticello Enterprises LLC System and method for providing data to a merchant device from a user device over a wireless link
US10769717B2 (en) 2014-03-31 2020-09-08 Monticello Enterprises LLC System and method for providing data to a merchant device from a user device over a wireless link
US10825079B2 (en) 2014-03-31 2020-11-03 Monticello Enterprises LLC System and method for providing data to a merchant device from a user device over a wireless link
US10977716B2 (en) 2014-03-31 2021-04-13 Monticello Enterprises LLC System and method for providing multiple application programming interfaces for a browser to manage payments from a payment service
US11461828B2 (en) 2014-03-31 2022-10-04 Monticello Enterprises LLC System and method for receiving data at a merchant device from a user device over a wireless link
US11468497B2 (en) 2014-03-31 2022-10-11 Monticello Enterprises LLC System and method for receiving data at a merchant device from a user device over a wireless link
US11074640B2 (en) 2014-03-31 2021-07-27 Monticello Enterprises LLC System and method for providing a universal shopping cart across multiple search platforms
US11282131B2 (en) 2014-03-31 2022-03-22 Monticello Enterprises LLC User device enabling access to payment information in response to user input
US11836784B2 (en) 2014-03-31 2023-12-05 Monticello Enterprises LLC System and method for providing a search entity-based payment process
US11989769B2 (en) 2014-03-31 2024-05-21 Monticello Enterprises LLC System and method for providing simplified in-store, product-based and rental payment processes
US10489769B2 (en) 2014-05-29 2019-11-26 Apple Inc. User device enabling access to payment information in response to mechanical input detection
US11017384B2 (en) 2014-05-29 2021-05-25 Apple Inc. Apparatuses and methods for using a primary user device to provision credentials onto a secondary user device
US10977642B2 (en) 2014-05-29 2021-04-13 Apple Inc. Apparatuses and methods for operating a portable electronic device to conduct mobile payment transactions
US10699262B2 (en) 2014-05-29 2020-06-30 Apple Inc. User device enabling access to payment information in response to mechanical input detection
US10289996B2 (en) 2014-05-29 2019-05-14 Apple Inc. Apparatuses and methods for operating a portable electronic device to conduct mobile payment transactions
US11922408B2 (en) 2014-05-29 2024-03-05 Apple Inc. Apparatuses and methods for using a primary user device to provision credentials onto a secondary user device
US10223682B2 (en) 2014-05-29 2019-03-05 Apple Inc. User device enabling access to payment information in response to mechanical input detection
US9864984B2 (en) 2014-05-29 2018-01-09 Apple Inc. Apparatuses and methods for operating a portable electronic device to conduct mobile payment transactions
US9400977B2 (en) 2014-05-29 2016-07-26 Apple Inc. User device enabling access to payment information in response to mechanical input detection

Also Published As

Publication number Publication date
GB9306672D0 (en) 1993-05-26

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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)