|Title of Invention||
A METHOD AND SYSTEM FOR VERIFYING A REMOTE TRANSACTION
|Abstract||A secure system using a continuously-changing key that depends on the user"s body part. A system obtains an image of the user"s fingerprint (105) and cements it according to a random generator (104). Only part of the image and not the entire image is sent at one time. The random segmentation insures that part of the image that is sent continuously varies from time to time. Therefore, an unauthorized receiver can receive only part but not the entire image. The fingerprint image part is verified by a remote agent (120).|
|Full Text||FORM 2
THE PATENTS ACT 1970
[39 OF 1970]
THE PATENTS RULES, 2003
[See Section 10; rule 13]
"A METHOD AND SYSTEM FOR VERIFYING A REMOTE TRANSACTION"
eCRYP, INC., of 10390 Santa Monica Boulevard, Suite 230, Los Angeles,
California 90025, United States of America, a US Corporation,
The following specification particularly describes the invention and the manner in which it is to be performed:
CROSS-REFERENCE TO RELATED APPLICATIONS
SECURE SYSTEM USING CONTINUOUSLY-CHANGING FEATURES OF A BODY
PART AS A KEY
Field of the Invention The present system relates to a secured transaction key that is secured by reference to part, but not all of, a user"s body part.
Background of the Invention Credit card transaction fraud is an expensive problem. Prevention of such fraud requires making sure that the credit card is not stolen or used in an authorized way. Some credit cards, for example, put the user"s photograph on the credit card. It has also been suggested to use a fingerprint or a retinal scan for identification.
This problem becomes more difficult when carried out over the Internet. A stolen credit card can
easily be used over the Internet since the person does not need to appear in person. There is. no clerk to compare the person using the card to the photograph on the card.
Fingerprints have been suggested as an effective way of verifying a user"s identity. The central credit card validating company could include an image of the user"s fingerprint. Relatively inexpensive fingerprints scanners are available. The user inserts a specified finger into the fingerprint scanner, and the scan from the user" s finger would be sent along with the credit card information. This received fingerprint information would then be compared with fingerprint information within the database, prior to accepting the transaction.
Problems with fingerprint comparisons of this type include the difficulty of comparing an incoming fingerprint with a huge number of possibilities from which it could be compared and the bandwidth.
The science of fingerprints hence defines the
fingerprints, and segregate the fingerprints into
distinct classes. The classes of patterns currently used includes loops, whorls, and arches. Approximately sixty-five percent of the patterns are loops, thirty percent are whorls and approximately five percent are arches. Fingerprints are typically described in symbolic representation of alphanumeric clusters that define what is observed in the print itself in the terms of the loops, whorls, and clusters. Positive and absolute identification on the Internet or in any remote location becomes a difficult problem. A perpetrator of Internet access fraud often is very clever about the way that they carry out the fraud. For example, these people often use sophisticated systems to intercept information, including persons" passwords and personal access numbers. Therefore, if a user sends an image of his fingerprint, the hacker could intercept that image and later use the intercepted image to perpetrate a fraud.
In addition, sending an entire image is a bandwidth-intensive operation. This operation could
take many minutes, which could cause unacceptable delays.
It is possible, of course, to encrypt the entire image. However, this would require even more mathematical sophistication to the system.
The present inventor recognized the desirability of using a constantly-changing personal access code on the Internet. Use of such a constantly-changing access code, of a type which is not able to be stored by a computer or calculated in any conventional manner, would be highly advantageous. In addition, the system should not be one which requires the user to memorize complicated information.
According to this system, a part of the user"s body is used as the constantly-changing personal access code. However, rather than using the entirety of the image of the part of the user"s body, this system selects only different portions of the image to send. The different portions of the image are
calculated based on time and date stamps indicating when they are sent. Therefore, a hacker or unauthorized user who receives the information receives only a part of the information indicating the body part. No receiver gets enough information to reconstruct the entirety of the image. The unauthorized receiver therefore could not reuse the information at some later time, because that later time would have a different time stamp and would hence require different information.
Therefore, the unauthorized reception does the receiver virtually no good, since the unauthorized reception does not provide enough information to allow the receiver to reconstruct the information at some later time. It also does not give the receiver all the information about the fingerprint.
This system has another added advantage of allowing a reduction in the amount of information which is sent. This hence reduces the total needed bandwidth of the system, and reduces the amount of time that will be necessary for the operation.
In addition, the present system includes additional aspects, including an encryption- key which adds further security to the system, and an additional aspect compensates for orientation of the fingerprint.
These and other aspects will now be described in detail with reference to the accompanying drawings, wherein:
Brief Description of the Drawing
FIG. 1 shows a segmented fingerprint of the type preferably used according to the present system;
FIG. 2 shows a diagram of a fingerprint that is segmented in the way done according to the preferred mode of the present specification;
FIG. 3 shows a time and day stamp format;
FIG. 4 shows a flowchart of operation of a first embodiment;
FIG. 5 shows a way in which a second embodiment ^obtains angle information; and
FIG. 6 shows a flowchart of operation of the second embodiment.
Description of the Preferred Embodiments FIG. 1 shows a basic block diagram of the system. The remote premises 100 is typically the user"s home or place of business. The remote premises includes a personal computer 102 and a fingerprint scanner 104. The user places their finger 106 into the fingerprint scanner, and the PC 102 controls the fingerprint scanner according to a prestored program in its memory. The fingerprint information is then sent over the telephone line 110 to the central computer 120. The central computer 120 includes a database memory 13 0 which includes a plurality of fingerprints stored therein. Each stored fingerprint preferably includes a digitized version of the entire fingerprint of any user who is authorized.
FIG. 2 shows a sample fingerprint in its entirety set forth in a grid pattern. The
segmentation processing as done according to the present invention is carried out according to the x,y grid also shown in FIG. 2. The x coordinate of the fingerprint is segmented to form lines such as 200. In this embodiment, the lines are formed at a constant pitches, but in other embodiments the lines could be formed at any random pitch. The pitch of the lines are selected according to the time and day stamp, which is effectively random. The local computer 102 includes a real-time clock 104, which produces a time and day stamp of the shown in FIG. 3. According to one embodiment, the day of the month is added to the hour of the day and the minutes, and the least two significant bits form the number of millimeters of pitch. Different techniques for selecting the distance between lines are also described herein.
The fingerprint scanner 104 obtains the entire image of the fingerprint and places it into working memory 106. The output from real-time clock 104 controls a sample-and-hold circuit which selectively
reads columns of information out of the working memory 106. Each column corresponds to an n-pixel-wide sample along each of the x values shown in PIG. 2 where n is between 1 and 20. In the FIG. 2 embodiment, therefore, there are preferably five, 5-pixel-wide columns that are read out from the memory 106. These five columns are assembled into a message, and sent over the telephone line. The encryption block, shown as 108, provides further optional protection of the information prior to sending.
At the other end, the information 110 is received in the computer 120. The information received includes the packet sent by computer 102 which is of the form shown in FIG. 3. The portion 300 is the real-time clock information. In this embodiment, the clock information is shown Showing June 24, 1998, 6:04 p.m. (1804 in 24-hour time) . As explained above, the simplistic algorithm given herein adds 24 + 18 + 4 to form 46 mm between the samples 200.
The compare process 13 5 carries out the flowchart shown in FIG. 4 to determine accurately whether it should accept the information as being authorized.
First, at step 400, the compare process compares the time stamp to its own time stamp as stored in the real-time clock 140. The incoming time stamp is taken as being correct so long as it is within a predetermined threshold, e.g., 10 minutes of its own time stamp. If it is not, the system returns a message at 401 indicating to the PC 102 that it should set its time.
An alternative embodiment executes a routine in the PC to set the PC real time clock 104 using an internet-based time standard 111, prior to sending the fingerprint information. If this is done, the threshold at step 400 can be shortened, e.g. to one minute.
If the time stamp compare at step 400 is ok,
flow passes to step 402 where the system calculates
the x values. At step 404, the system reads out its
own values from the database memory 13 0 storing the entirety of the user"s fingerprint information. The two are compared at step 406. If the comparison indicates that the two are not the same, then a 0.5 rotation is carried out at step 408, followed by flow passing to step 404 for the information to be re-read with a rotation. This is done up to +15 and then to -15 . If none of these comparisons agree, the transaction is blocked at step 410. If the comparison is determined as agreeing at step 406, then the transaction is accepted at step 412.
The above has described one way of segmenting the date and time stamp. Another way, of course, is to simply segment the real-time clock into two-digit numbers. Any way of taking the date and time stamp and segmenting it such that it effectively forms random information could be used according to this embodiment.
Another way is to use the lowest-resolution two
digits, unless they have been used within the past
thirty days. This system would prevent re-use of the
numbers, to ensure that the value is constantly changing, and that any attempt to re-use the same information would be blocked.
Additional aspects relate to encryption of the information. There are two common types of logarithms in use today: (A) Natural (Naperian or hyperbolic) system which uses the base e=2.71828....and (B) The common Briggsian system which uses the base 10. The preferred embodiment refers to common logarithms only.
A common logarithm includes an integer, which is referred to as the characteristic, and a decimal (with endless digits) called the mantissa. An important factor in the use of Common logarithms (base 10) is that the mantissa is a number independent of the position of the decimal point. As an example, the mantissa of 27,500, 27.5 and .000275 are the same. Thus, to find the log of 64030, first note that the characteristic is 4. Next, in a log table, find 640 in column marked N and opposite to it in column 3 is the mantissa, i.e., .80638.
Therefore, log .0064030 + 7.80638 - 10 and log .64030
In the case of more than four digits then interpolation is used to determine the next significant digit such that if x were the fifth digit, then the formula would be:
M = ml + (m2-ml)(x/10) So the log of 64034 is m + .80638 + (.00007) (4/10) = 4.80641.
The mantissa of each base number can be used to select the column and row for the sample to be validated using the whole fingerprint and its segmented parts as represented on the x and y axes of the print.
FIG. 5 shows a preferred way of detecting the information and sending it. Each curve, line, and sworl can be reduced to its mathematical exponential equivalent using logarithmic functions. A reference line is chosen as described above. At the intersection of the reference line and the fingerprint subject line, the direction of the line is determined in degrees. The degrees are either positive (less than 180) or negative (greater than 180) from the point of reference.
FIG. 5, for example, shows an intersection of the line 0-0 with the fingerprint. The point 1 corresponds to the sample 1. There is a sub-reference line and a reference line, at which the angle of the line is determined. FIG. 5 shows that angle at point 1 is _22.16 . This equates to an exponential function as the logarithml0 of .037925, -10. This value is sent as the first sample.
The number of samples taken is dependent on the number of fingerprint information that crosses the reference line. These samples could be obtained and
then represented by their logarithm equivalent numbers or using a logarithmic encryption stfheme.
This second embodiment, therefore, uses a process in the computer 120 which operates according to the flow chart of FIG. 6. As in FIG. 4 ,step 600 compares the time stamp with its own to make sure that a bogus time stamp is not being sent. Again, x is calculated at step 602. At step 604, the system detects the number of lines which are received with the number of fingerprint data that cross the reference line in its own database. This information is an initial comparison, and importantly this information will not change based on tilt of the fingerprint. If this is bad at step 604, the operation is refused at step 606. At step 608, the incoming encrypted information is decrypted back to angles. This decrypted information then represents the various angles of the various lines. The comparison done at step 610 then compares the angle of each line with the angle of each line in its database. If correct, or if all angles differ by the
same amount, the transaction is accepted at step 612. This system does not require rotation compensation, since the compare step 612 accepts the comparison even if all angles are wrong by the same amount. Hence, this system effectively built-in finger tilt compensation. Although only a few embodiments have been disclosed in detail above, modifications are possible while staying within the subject matter of the present claims. For example, while this embodiment describes specific ways of using the time and day stamp to form a constantly-changing indicia, other random ways of forming the indicia are also possible. An important feature is that the operation is constantly changing, and that a user"s body part is used. In addition, similar operations could be carried out using retinal scans, or other print information so long as that print information is unique. All such modifications are intended to be encompassed within the following claims
1. A method of verifying a remote transaction, comprising:
receiving information indicative of a look of a user"s unique body part,
said information including only some, but not all, of the look of the user"s body
part, said information including only samples of said body part along plural
separated portions, and the information which is received being different at a
first time than at a later time;
comparing said information with information in its own database; and accepting a transaction only if the received information corresponds to
the information in its own database; and
varying an interval between said separated portions at different times, so
that a distance between said separated portions varies at a first time as
compared with at a second time.
2. A method as claimed in claim 1, wherein said varying is based on a random indicia.
3. A method as claimed in claim 2, wherein said random indicia is based on a time stamp,
4. A credit card fraud reducing system, comprising:
a Scanner which takes an image of a user"s body part; and a processor, receiving said image, and transmitting only parts, but not all of said image, said only parts being a plurality of constantly-changing samples which are different at a first time than at a second time, said processor converting said information into numbers indicative of the information, and transmitting said information,
wherein said processor comprises a device which segments the image into a plurality of portions, which have constantly-changing spaces therebetween that are different at a first time than at a second time, and
determines only an image sample along said portion, only said image part along said line being transmitted.
5. An apparatus as claimed in claim 4, wherein said body part is a
fingerprint, and said image part along said line includes an angle of the
fingerprint relative to the line, and wherein said angles are transmitted.
6. A method of verifying a credit card transaction, comprising:
receiving a user"s credit card in a first remote computer;
receiving a user"s fingerprint also in said first remote computer;
obtaining a random number which changes to a new random number
with each use;
using said random number to select only to a new random number multiple separated parts of the image of the user"s fingerprint that are separated by a separation that is based on said random number, and not all of the user"s fingerprint, for transmission;
converting said only part into numbers which indicate said only multiple separated parts, and which will be used to transmit said user"s fingerprint;
transmitting the credit card number, along with said only parts of the user"s fingerprint to a remote location for processing:
in said remote location, receiving said credit number, and obtaining an image of the user"s whole fingerprint;
receiving the only part of the user"s fingerprint, and determining if said only part of the user"s fingerprint matches the image of the whole user"s fingerprint in the memory of the remote computer, said determining including compensating for tilt relative to perpendicular in the user"s fingerprint, and if the user"s fingerprint does not match to the image of the fingerprint in memory, then determining if a tilt-compensated version of the image matches the image in memory,
7. A method as claimed in claim 6, wherein said converting comprises converting said only part into angles of the fingerprint where they cross-align.
8. A method as claimed in claim 6, wherein said random number is obtained from a clock of the PC, at the user"s end, and comparing said clock, at said remote end, with a clock at said remote end.
Dated this 27th day of June, 2001.
OF REMFRY & SAGAR
ATTORNEY FOR THE APPLICANTS
|Indian Patent Application Number||IN/PCT/2001/00775/MUM|
|PG Journal Number||38/2007|
|Date of Filing||27-Jun-2001|
|Name of Patentee||ECRYP INC.|
|Applicant Address||10390 SANTA MONICA BOULEVARD, SUITE 230, LOS ANGELES, CALIFORNIA 90025, USA|
|PCT International Classification Number||H04K 1/00|
|PCT International Application Number||PCT/US99/29036|
|PCT International Filing date||1999-12-08|