TCSP 7

Patent Liability Analysis

Group 5: myATM

Yu Chen Lim

Overview

ATM that uses face recognition and PIN as authentication

RFID card acts as cash card

Keypad and touchpad as user inputs

Potential Areas of Infringement

Face Recognition and PIN for user

authentication

RFID transponder used as a cash card in ATM

Occupancy sensor to detect presence of user

Physical structure of ATM

Face Recognition for Authentication

United States Patent No. 6023688

Transaction Apparatus and Method that Identifies

an Authorized User by Appearance and Voice

Filed date: March 9, 1998

Uses face and speech recognition to identify

user

Fall back to conventional ATM verification

with card if silent mode is chosen

Server that contains authorized users’ data

Terminal

Occupancy sensor

Conventional card reader

Used for face recognition

Used for speech

recognition

Remote terminal

User sensing

Face Recognition

Speech recognition

Fall back to card and PIN

Similarities and Differences

Similarities Sensor to sense users Face recognition to identify users Server contains users’ data

Differences

Our Design Patent DesignFace recognition + PIN Face recognition + Speech

recognitionPIN used only in silent condition

RFID card Conventional card

RFID use in ATM

United States Patent No. 7584885 B1

Currency Dispensing ATM with RFID Card Reader

Filed Date: February 23, 2006

Details numerous uses of RFID in an ATM

setting.

RFID use in ATM

“In an exemplary embodiment an RFID tag is operative to store information therein representative of or corresponding to a customer, such as the customer’s account number, PIN, name, primary bank, affiliated banks, and/or preferences.” (page 4)

“...a customer can pass or wave their card adjacent to or over a card scanning area 36 associated with the card reader device 16 to have the card data (and user information) remotely read.” (page 5)

RFID tag

Magnetic stripe

RFID tag

Part of a Payment System

United States Patent No. 5949043

Electronic Cashless System

Filed date: May 16, 1997

Describes the whole cashless system Bank bookkeeping ATM Cash card Sales Terminal

ATM and Cashless Medium

Similarities and Differences

Similarities Cashless system Smart card stores account information and

available balance Differences

Operation of smart card Patent design

Display, keypad, memory, bookkeeping, operation, processor

Our design Wireless, memory

Thank You

Questions?