• Category Archives Biometric Bank Card
  • Book-1 Chapter 7: Come Together – Biometric Bank Card

    Julie and the other students present their plan for a biometric W.U. card to Dr. K. 

    They chuckled at him. Dr. K looked around at them and asked,
    “Am I missing something here?”

    “No, not really. If we were just going to meet Professor Watson’s
    basic design specs for the project—that would be fine. We’d have
    cobbled together something using a thumb print scanner. It would be
    fast and easy. But not very useful beyond this one little project. Let
    Ronnie show you what he has…”

    Dr. K leaned back in his chair, “Okay, go ahead.”

    Ronnie went back to the diagram. He now drew two intersecting
    circles, one blue the other in yellow, at the center of the rectangle. “So
    these circles represent the two membranes, built into the card. Along
    the edge on the back…,”he drew a second rectangle beside the first.
    He then hatched in a stripe, with black lines, along the top edge,
    before continuing. “…there is a colored stripe, where you find a
    magnetic strip on a credit card. That tells the user how to face the card
    when they swipe it—just like they do with a credit or ATM card.

    Now, let’s go back to the other side and the two membranes.
    Initially the card is blank. You could swipe the card through a reader
    all day and get nothing, zip, nada. But when the user first picks up the
    card they will feel a slight bulge right in the middle.” He pointed to
    the section of the first rectangle that was the intersection of the two
    circles. “Before the card can be used they squeeze it right there…,” he
    started to color in the section with a green marker,”…and hold it for a
    few seconds. That gets these two pouches to mix and set. Now when
    that user swipes it through any reader —it gets read.”

    The other members of the team clapped for Ronnie. Dr. K. sat
    silently with his arms folded, still staring at the two rectangles on the
    board. They stopped clapping and all turned to him, their faces
    sporting grins from ear to ear.

    “Are you telling me… that this card makes like an impression of
    the users finger prints?,” Dr. K asked.

    “Close but no cigar, Doc,” said Jonathan with a smile. “Go ahead
    Ronnie, tell him.”

    Ronnie pointed back at the green patch. “What really happens is
    they just made a printed circuit, one that is completed when they and
    ONLY they, hold the card in their hand. The stripe, on the back, gets
    the number information sent to it only when held by the same person
    who squeezed the blister packs the first time. In fact you can only
    squeeze them once.”

    “This will work with the merchant card readers out today?”

    “Yup!,” answered Ronnie.

    “What about counterfeits?”

    “Every card has a randomly shaped hatching or grid pattern, like
    a fine net, inserted as part of the sandwich construction of the blank
    card during manufacture. It has millions of possible combinations. It
    forms the other piece of the ‘key’, so to speak, with your fingers to
    unlock the card’s information. There is no way you can steal a card
    and take it apart and learn anything. No finger print, no name or
    numbers, NADA!”

    Dr. K rose from his chair and slowly went over to Ronnie. “I just
    gotta shake your hand again my good man. This is outstanding! Just
    outstanding! You have to patent this.”

    “See, I told you guys!,” said Julie as she banged her fist down on
    the table, the others laughed. “I told you, I told you!”

    “Ronnie, I’m dead serious”, he said. He turned to Jonathan,

    “Have you shown this to anyone else?”

    “No, not yet.”

    Dr. K looked over to Julie and motioned with his hand as he
    spoke, “Julie close the door.” He paced in front of the board waiting
    for it to be closed before he continued. “This could change everything,
    absolutely everything about Work Unit accounting. By making use of
    existing readers in retailers everywhere—I mean the whole world
    uses those things—you’ve removed the biggest argument against WU,
    the initial transition costs. But with this… no costs!”

    Page 106