FOREIGN PATENT DOCUMENTS
0247788 12/1987 European Pat. Off. G06F 15/64
2592-197 12/1985 France .
58-192190 11/1983 Japan G06K 19/00
3-185585 8/1991 Japan G06K 17/00
WO87/03724 6/1987 PCT Int'l Appl G07F 7/08
2173970 3/1986 United Kingdom H04N 1/41
Primary Examiner—David C. Cain
Attorney, Agent, or Firm—Thomas H. Close
Techniques for multiple verification of credit cards incorporating digital image information and authorization data onto a credit card to assist in the card verification process. This technique requires the authorized card holder to have a picture identification accompany the application for the card. Picture information is converted to a digital image that is stored and used in one or a plurality of means for verifying that the presenter of the card, at the point of the transaction, is the authorized user. Such means include visual comparison of card presenter and extracted digital image information and verification that the data has not been altered. Encryption of the data, as it is read from the card, at the point of origin is used to formulate encoded authorization data that is then compared against like encoded authorized Card holder data stored at a centrally located data base.
21 Claims, 3 Drawing Sheets