Anti-fraud verification system using a data card

Cryptography – Particular algorithmic function encoding – Nbs/des algorithm

Patent

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380 23, 34082533, H04K 100

Patent

active

054577470

ABSTRACT:
A system for deterring fraudulent use of wallet-size cards in local benefit dispensing terminals has a permanent data storage medium and a temporary data storage medium disposed on each card. A first card writing device has means for acquiring biometric information from a person and for writing a template of that information on the permanent storage medium. A verification terminal has similar means for acquiring biometric information from a possessor of the card, and also has a means for reading the biometric information from the permanent storage medium of the card. Upon inputting biometric information from both the card and the possessor of the card, the verification terminal compares the information, and, if they match, writes data allowing limited benefits on the temporary data storage medium of the card. This data can be read by a plurality of existing benefit dispensers at other locations, such as automated teller machines, which can then dispense benefits authorized by the data. The limitation on benefits and the required repeated verification enhances security of the cards and the benefit dispensing system.

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"Smart Credit Cards--The Answer to Cashless Shopping"; Stephen B. Weinstein; IEEE Spectrum Feb. 1994 pp. 43-49.

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