G - Physics – 05 – B
Patent
G - Physics
05
B
354/41
G05B 1/03 (2006.01) G06F 15/02 (2006.01) G06K 7/08 (2006.01)
Patent
CA 1089566
ABSTRACT OF THE DISCLOSURE In an on-line banking system including a central compu- ter and at least one remote terminal, a method of an apparatus for verifying that a holder of an identification card is authorized to complete a transaction at the terminal is disclosed. Account num- ber data are machine read from the card, scrambled, and then com- pared to secret alphanumeric data, keyboard entered by the card holder at the terminal. The secret alphanumeric data are converted to a digital signal, and the signal is converted into first and second signal portions. The first signal portion is compared to the scrambled account number data. If the comparison is positive, the second signal portion, along with keyboard-entered transaction data and account number data, is transmitted to the central com- puter. Since only the second signal portion of the keyboard-en- tered secret data is transmitted on-line to the central computer, it is impossible to determine the entire secret data for gaining unauthorized use of the terminal by monitoring the line between the terminal and the central computer. At the central computer, the second signal portion is compared with a reference signal stored on the authorized holder's account and addressed by the ac- count number data. In response to a positive comparison, the cen- tral computer authorizes the remote terminal to complete the re- quested transaction.
270214
Diebold Incorporated
Macrae & Co.
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