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Electronic signature verifying method and device

An electronic and telephone number technology, applied in the field of personal identity verification, can solve the problem of different time-varying movements of hands to pens, and achieve the effect of cost saving

Inactive Publication Date: 2008-05-28
INT BUSINESS MASCH CORP
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Problems solved by technology

However this creates several problems: it provides potential forgers with sample signatures, signatures provided by customers are often checked by cashiers who are not trained in signature recognition skills, and signature templates can be tampered with and new signatures entered
Although two signatures may appear identical on paper, the time-varying hand-to-pen movements required to produce a handwritten image can vary widely

Method used

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  • Electronic signature verifying method and device

Examples

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Embodiment Construction

[0046] Preferred embodiments of the present invention will now be described with reference to the accompanying drawings.

[0047]Figure 1 is a high level block diagram of a system 100 for identifying a person and verifying their identity using signature verification (preferably dynamic) methods to facilitate financial transactions. A digitizer unit 200 containing a display (see Figure 2) is used to receive input from persons wishing to register with the system. Likewise, the registrant (customer) can use the same digitizer unit 200 (or another digitizer at another location) to verify his or her identity when conducting a transaction. If the system 100 is used in, for example, a retail chain, one digitizer unit 200 may be placed in the checkout aisle of each store in the chain. The input provided by the individual is sent from the digitizer unit 200 to a local computer 110 (e.g., a computer in the store), and then to a remote server 115 (preferably secure and compatible with v...

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PUM

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Abstract

A computer system is used for tokenless identification, verification and authorization of a person. An enrollment process is used for registering the person, who at the time of registration gives a phone number and / or name for identification, as well as at least one reference handwritten signature for use in a verification template. Services to which the person is entitled to receive may also be established at the time of registration. At the time a transaction is made, the person is identified by providing the phone number and / or name so that the stored handwritten signature can be retrieved, the person's identity is verified by providing a handwritten signature that is matched with the retrieved (reference) handwritten signature, and the person is authorized to conduct a transaction. In this way, a transaction may be conducted without the person using any portable man-made memory devices such as smart cards or swipe cards, or being required to remember any PIN or account number.

Description

technical field [0001] The present invention relates to the field of verifying personal identity. More particularly, the present invention relates to methods of personal identity verification through the use of signatures. Background technique [0002] Significant progress has been made in developing systems to reliably determine an individual's identity. More recently, it has been devised to measure an individual's biometric characteristics (e.g., iris, retinal, fingerprint, voice, signature, palm, and facial feature patterns) and then compare the measured characteristics with a trusted "absolute truth" reference, the biometric A system for matching templates. Such a system has the advantage of measuring intrinsic attributes of a person, ie attributes that the person always has, that cannot be changed or corrupted. [0003] In a typical biometric system, an individual is registered by taking one or more biometric samples that form a "biometric template". This template i...

Claims

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Application Information

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Patent Type & Authority Patents(China)
IPC IPC(8): G06F17/30G06K9/00G07C9/00
CPCG07C9/0015G06K9/00154G07C9/35G06V40/30
Inventor 托马斯·G·兹默曼
Owner INT BUSINESS MASCH CORP
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