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Information management system with authenticity check

a technology of authenticity check and information management system, applied in the field of payment products, can solve problems such as connection with other payments, unauthorized persons will obtain another person's cheques, and security in association with payment by cheques

Inactive Publication Date: 2008-03-27
ANOTO IP LIC
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  • Summary
  • Abstract
  • Description
  • Claims
  • Application Information

AI Technical Summary

Benefits of technology

[0013]It is also a special object to show a solution which makes possible increased security in association with payment orders which require the payer's signature on a payment product.
[0063]In a advantageous embodiment, the account number of the holder is stored in the user unit, so that it can be sent to a server unit automatically, without the user having to record all the digits in the number each time.

Problems solved by technology

Security in association with payment by means of cheques is a problem.
There is always a risk that an unauthorized person will obtain another person's cheques, forge this person's signature and in this way obtain money that belongs to the owner of the cheque or buy goods that are charged to the owner of the cheque.
There are also problems in connection with other payments, such as credit card payments.
The security problems are increased when credit card payments are made remotely via a computer network, as payments are normally drawn out of the credit card account on the basis of just the credit card number.
There remains, however, the general problem of verifying remotely and by means of computers the identity of a person who sends information in a computer network.

Method used

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  • Information management system with authenticity check
  • Information management system with authenticity check
  • Information management system with authenticity check

Examples

Experimental program
Comparison scheme
Effect test

application example 1

[0115]Assume that the payment product is the cheque in FIG. 1. The user wants to pay SEK 1000 by cheque to the company Alfa. The user fills in the amount SEK 1000 in the writing area 6a and the name of the company Alfa in the writing area 6b. Then he signs the cheque with his signature in the writing area 6c.

[0116]To fill in and sign the cheque the user uses his personal user unit 2 which records the payment information and includes this together with the user unit's unique identity in a message which is sent to the server unit 4. The server unit determines to which region the coordinates in the payment information belong. As stated above, with reference to FIG. 3, the name of the authorized user, the unique user identity of the authorized user's user unit, a previously-recorded signature of the authorized user, and the name of the recipient to whom the payment information is to be sent in processed form, are associated with this region.

[0117]The server unit starts by comparing the...

application example 2

[0120]A user has been allocated a personal region by a credit card company, together with a pad of credit card receipts which are provided with the position-coding pattern from this region. The position-coding pattern can be the same on all the receipts or different on the different receipts if the level of security is to be higher.

[0121]Assume that the user finds a product on the Internet that he wants to buy. He can then pay by using one of his credit card receipts and his personal user unit. He writes the amount which is to be paid, the payment recipient, a reference and any additional information which is required in order for the payment to be identified on the credit card receipt and finally signs it.

[0122]The user unit includes the electronically-recorded payment information in a message to the server unit and also supplements this information with the user's credit card number which is stored in the user unit.

[0123]The information is sent either to a server unit which carrie...

application example 3

[0125]Assume that an agreement is to be signed digitally. A unit which processes the signature and which can be the server unit 4 in FIG. 1, sends the agreement in digital form in a file to a computer which belongs to a person who is to sign the agreement. The file with the agreement includes a position-coding pattern which has been specifically allocated to that agreement and the person who is to sign the agreement. When the person receives the agreement file, he prints out the agreement and signs it in the designated place on the position-coding pattern using his personal user unit. This sends the signature to the server unit 4, which can determine, by means of the coordinates by which the signature is represented, that the signature is written on the agreement which was sent to the party to the agreement. If required, the authenticity of the signature can also be verified in a database which stores unique user identities and associated signatures. As an alternative, the user unit...

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PUM

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Abstract

A payment product has a writing area (6c) which is intended for a user's signature. In the writing area there is a first position-coding pattern (5) which makes possible digital recording of the signature. The first position-coding pattern is a subset of a larger second position-coding pattern.The payment product is used in a payment system which is based on electronic payment information, which has been recorded by means of the position-coding pattern, being sent to a server unit, which utilizes the position-coding pattern to check that the payment information is valid.

Description

FIELD OF THE INVENTION[0001]This invention relates to a payment product comprising at least one writing area which is intended to receive handwritten information from a user and which is provided with a first position-coding pattern which makes possible digital recording of the handwritten information. The invention also relates to a server unit, a system for information management, use of an absolute position-coding pattern and a hand-held electronic user unit.BACKGROUND ART[0002]Security in association with payment by means of cheques is a problem. There is always a risk that an unauthorized person will obtain another person's cheques, forge this person's signature and in this way obtain money that belongs to the owner of the cheque or buy goods that are charged to the owner of the cheque.[0003]Many solutions have been proposed which aim to make it more difficult for unauthorized persons to forge signatures and use another person's cheques.[0004]EP 0 276 109 describes a cheque whi...

Claims

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Application Information

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IPC IPC(8): G07F7/02G06Q20/04G06Q20/20G06Q20/24G06Q20/34G06Q20/36G06Q20/40G06V30/10G07C9/00
CPCG06K9/00154G06K9/2063G06K2009/226G06Q20/042G06Q20/20G07F7/02G06Q20/3433G06Q20/3674G06Q20/403G07C9/0015G06Q20/24G07C9/35G06V40/30G06V30/10G06V30/1426G06V30/1448
Inventor ERICSON, PETTERFAHRAEUS, CHRISTERWIEBE, LINUSSKANTZE, KRISTOFER
Owner ANOTO IP LIC
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