Method for verifying the identity of the owner of a chip card, especially a credit card

摘要

The method is intended to be able to be used for supplementary identification of individuals by speech, in conjunction with chip cards or credit cards. For this purpose, targeted access to individual speech reference data should be possible. No memory capacity for speech reference data on the credit card should be necessary. No devices for speech recognition should be necessary in the terminal device which is used for input. A test computer is provided, and a connection to it is set up automatically by a terminal device if the identity of the credit card owner is to be tested by speech. A connection is then set up automatically by the test computer to a central computer, where reference pattern data are already stored, and these data are transmitted to the test computer. The test computer compares the reference pattern data received from the central computer with the corresponding words which the card owner is now supposed to speak. These words are transmitted by the terminal device to the test computer. Only an indication that speech pattern data exist for this credit card need be stored on the card. The terminal device can be in a relatively simple form, and does not need to contain any speech recognition and comparison devices.