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1. 发明申请

WO2010059929A2 AUTHENTICATION OF DOCUMENTS HAVING A MAGNETIC STRIPE 审中-公开
标题翻译：具有磁条的文件的认证
公开(公告)号：WO2010059929A2
公开(公告)日：2010-05-27
申请号：PCT/US2009/065303
申请日：2009-11-20
申请人： VISA INTERNATIONAL SERVICE ASSOCIATION , FANG, Xiang , FAITH, Patrick , KATO, Craig , HAMMAD, Ayman , KOGANTI, Krishan, Prasad
发明人： FANG, Xiang , FAITH, Patrick , KATO, Craig , HAMMAD, Ayman , KOGANTI, Krishan, Prasad
IPC分类号： G06K19/12
CPC分类号： G06K19/12 , G07D7/04
摘要： Methods, systems, and apparatus for efficiently authenticating a document (e.g. a credit card) having a magnetic stripe are provided. The magnetic field at different points of the magnetic stripe are measured, e.g., by a checkout scanner to create a magnetic signature. Digital samples of the measurements may be transformed into coefficients of continuous basis functions, e.g., a Fourier transform. These coefficients are then compared to reference values (e.g. corresponding coefficients) to produce a measure of the authenticity of the document. The number of coefficients used can advantageously be smaller than the number of digital samples without compromising accuracy, thus using less bandwidth between a scanner and an authentication entity. The reference values can be updated over time to reflect changes in the magnetic stripe of the authentic document, as may occur due to physical deterioration. For example, reference values may be optimized based on recent measurements of the authenticated document to provide a more accurate determination of authenticity for future measurements. Methods, systems, and apparatus for verifying the identity of a cardholder are also provided. A digital representation of a magnetic characteristic of a magnetic stripe of the card can be stored on a portable electronic device of the cardholder. During a transaction, the digital signature is then transmitted so that it can be compared with a reference signature. The identity may be verified, and a response sent to a party requesting the verification, e.g., during a transaction between the requesting party and the verified party.
摘要翻译：提供了用于有效认证具有磁条的文件（例如信用卡）的方法，系统和设备。例如通过结账扫描仪测量磁条不同点处的磁场以产生磁性签名。测量的数字样本可以被变换成连续基函数的系数，例如傅立叶变换。然后将这些系数与参考值（例如对应的系数）进行比较以产生文档真实性的度量。所使用的系数的数量可以有利地小于数字样本的数量而不损害精度，因此在扫描仪和认证实体之间使用较少的带宽。可以随时间更新参考值以反映真实文档的磁条变化，这可能由于物理恶化而发生。例如，参考值可基于认证文件的最近测量而被优化，以为将来的测量提供更准确的真实性确定。还提供了用于验证持卡人身份的方法，系统和装置。卡的磁条的磁性特征的数字表示可以被存储在持卡人的便携式电子设备上。在交易过程中，数字签名随后被传输，以便可以将其与参考签名进行比较。身份可以被验证，并且发送给请求验证的一方的响应，例如在请求方和被验证方之间的交易期间。

2. 发明申请

WO2010059929A3 AUTHENTICATION OF DOCUMENTS HAVING A MAGNETIC STRIPE 审中-公开
标题翻译：具有磁条的文件的认证
公开(公告)号：WO2010059929A3
公开(公告)日：2010-08-26
申请号：PCT/US2009065303
申请日：2009-11-20
申请人： VISA INT SERVICE ASS , FANG XIANG , FAITH PATRICK , KATO CRAIG , HAMMAD AYMAN , KOGANTI KRISHAN PRASAD
发明人： FANG XIANG , FAITH PATRICK , KATO CRAIG , HAMMAD AYMAN , KOGANTI KRISHAN PRASAD
IPC分类号： G06K19/12
CPC分类号： G06K19/12 , G07D7/04
摘要： Methods, systems, and apparatus for efficiently authenticating a document (e.g. a credit card) having a magnetic stripe are provided. The magnetic field at different points of the magnetic stripe are measured, e.g., by a checkout scanner to create a magnetic signature. Digital samples of the measurements may be transformed into coefficients of continuous basis functions, e.g., a Fourier transform. These coefficients are then compared to reference values (e.g. corresponding coefficients) to produce a measure of the authenticity of the document. The number of coefficients used can advantageously be smaller than the number of digital samples without compromising accuracy, thus using less bandwidth between a scanner and an authentication entity. The reference values can be updated over time to reflect changes in the magnetic stripe of the authentic document, as may occur due to physical deterioration. For example, reference values may be optimized based on recent measurements of the authenticated document to provide a more accurate determination of authenticity for future measurements. Methods, systems, and apparatus for verifying the identity of a cardholder are also provided. A digital representation of a magnetic characteristic of a magnetic stripe of the card can be stored on a portable electronic device of the cardholder. During a transaction, the digital signature is then transmitted so that it can be compared with a reference signature. The identity may be verified, and a response sent to a party requesting the verification, e.g., during a transaction between the requesting party and the verified party.
摘要翻译：提供了用于有效地认证具有磁条的文档（例如，信用卡）的方法，系统和装置。例如通过检验扫描器来测量磁条的不同点处的磁场以产生磁性签名。测量的数字样本可以被变换为连续基函数的系数，例如傅里叶变换。然后将这些系数与参考值（例如相应的系数）进行比较以产生文档的真实性的量度。所使用的系数的数量可以有利地小于数字样本的数量，而不损害精度，因此在扫描仪和认证实体之间使用更少的带宽。可以随时间更新参考值，以反映由于物理劣化可能发生的可靠文件的磁条的变化。例如，可以基于认证文件的最近测量来优化参考值，以提供对未来测量的真实性的更准确的确定。还提供了用于验证持卡人身份的方法，系统和装置。卡的磁条的磁特性的数字表示可以存储在持卡人的便携式电子设备上。在交易期间，然后传输数字签名，使得它可以与参考签名进行比较。可以验证身份，以及发送给请求验证的一方的响应，例如在请求方和被验证方之间的交易期间。

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