METHOD FOR USING A SENSOR TO REGISTER A BIOMETRIC FOR USE WITH A TRANSPONDER-READER SYSTEM

• US 20040230488A1
• Filed: 03/26/2004
• Published: 11/18/2004
• Est. Priority Date: 07/10/2001
• Status: Active Grant

• Current Assignee: Liberty Peak Ventures, LLC (Dominion Harbor Enterprises, LLC)
• Original Assignee: American Express Travel Related Services Company, Inc. (American Express Company)
• Inventors: Bonalle, David S., Saunders, Peter D., Beenau, Blayn W., Gray, William J., Larkin, Carl, Fields, Seth W., Montgomery, Joshua L.
• Granted Patent: US 8,548,927 B2
• Time in Patent Office: Days
• US Class Current: 705/18
• CPC Class Codes: G06F 18/00 Pattern recognition
• CPC Class Codes: G06Q 20/00 Payment architectures, schemes or protocols apparatus for performing or posting payment transactions G07F7/08, G07F19/00; electronic cash registers G07G1/12
• CPC Class Codes: G06Q 20/04 Payment circuits
• CPC Class Codes: G06Q 20/105 involving programming of a portable memory device, e.g. IC cards, "electronic purses"
• CPC Class Codes: G06Q 20/14 specially adapted for billing systems
• CPC Class Codes: G06Q 20/20 Point-of-sale [POS] network systems
• CPC Class Codes: G06Q 20/28 Pre-payment schemes, e.g. "pay before"
• CPC Class Codes: G06Q 20/326 Payment applications installed on the mobile devices
• CPC Class Codes: G06Q 20/327 Short range or proximity payments by means of M-devices
• CPC Class Codes: G06Q 20/3278 RFID or NFC payments by means of M-devices
• CPC Class Codes: G06Q 20/341 Active cards, i.e. cards including their own processing means, e.g. including an IC or chip
• CPC Class Codes: G06Q 20/342 Cards defining paid or billed services or quantities
• CPC Class Codes: G06Q 20/367 involving electronic purses or money safes
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• CPC Class Codes: G06Q 20/3821 Electronic credentials
• CPC Class Codes: G06Q 20/388 using mutual authentication without cards, e.g. challenge-response
• CPC Class Codes: G06Q 20/40 Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
• CPC Class Codes: G06Q 20/4012 Verifying personal identification numbers [PIN]
• CPC Class Codes: G06Q 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0225 : Avoiding frauds
• CPC Class Codes: G06V 40/10 : Human or animal bodies, e.g. vehicle occupants or pedestrians; Body parts, e.g. hands
• CPC Class Codes: G06V 40/14 : Vascular patterns
• CPC Class Codes: G06V 40/40 : Spoof detection, e.g. liveness detection
• CPC Class Codes: G07C 9/257 : electronically G07C9/26 takes precedence
• CPC Class Codes: G07C 9/26 : using a biometric sensor integrated in the pass
• CPC Class Codes: G07C 9/28 : the pass enabling tracking or indicating presence
• CPC Class Codes: G07C 9/29 : the pass containing active electronic elements, e.g. smartcards
• CPC Class Codes: G07F 7/025 : by means, e.g. cards, providing billing information at the time of purchase, e.g. identification of seller or purchaser, quantity of goods delivered or to be delivered
• CPC Class Codes: G07F 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: G07G 1/14 : Systems including one or more distant stations co-operating with a central processing unit data transmission in general H04L; telemetry systems for selectively calling a substation from a main station H04Q9/00
• CPC Class Codes: H04L 2209/56 : Financial cryptography, e.g. electronic payment or e-cash
• CPC Class Codes: H04L 2209/805 : Lightweight hardware, e.g. radio-frequency identification [RFID] or sensor
• CPC Class Codes: H04L 9/321 : involving a third party or a trusted authority
• CPC Class Codes: H04L 9/3231 : Biological data, e.g. fingerprint, voice or retina network architectures or network communication protocols for supporting authentication of entities using biometrical features in a packet data network H04L63/0861

Abstract

A method for registering biometric information for use in a transponder-reader system is disclosed. The method includes steps of detecting, verifying and storing a proffered biometric sample. During detecting, a sensor detects a proffered biometric to obtain a biometric sample. During the verifying step, the biometric sample is compared with other stored samples and/or other information. During the storing step, the biometric sample is stored on a database, for use by the transponder-reader system in authorizing transactions.

Claims

1. A method for registering biometric information for use in a transponder-reader system, said method comprising:

detecting a proffered biometric at a sensor to obtain a proffered biometric sample;

verifying said proffered biometric sample; and

storing said proffered biometric sample on a database such that said system utilizes said proffered biometric sample to authorize a transponder transaction.

2. The method of claim 1, wherein said step of detecting includes at least one of:

detecting, associating, and processing a proffered biometric sample.

3. The method of claim 1, wherein said step of detecting includes logging each proffered biometric sample.

4. The method of claim 1, wherein said step of detecting includes at least one of detecting, associating, and processing at least one additional proffered biometric sample.

5. The method of claim 1, wherein said step of verifying a biometric sample further includes at least one of:

processing, comparing, and verifying said biometric sample.

6. The method of claim 1, wherein said step of verifying includes comparing a proffered biometric sample with a stored biometric sample.

7. The method of claim 6, wherein comparing a proffered biometric sample with a stored biometric sample includes comparing a proffered biometric sample with at least one of a biometric sample of a criminal, a terrorist, and a transponder user.

8. The method of claim 1, wherein said step of verifying includes verifying a proffered biometric sample using information contained on at least one of a local database, a remote database, and a third-party controlled database.

9. The method of claim 1, wherein said step of verifying includes verifying a proffered biometric sample using one of a protocol/sequence controller and a third-party security vendor.

10. The method of claim 1, wherein said step of verifying a biometric sample further includes facilitating the use of one or more secondary security procedures.

11. The method of claim 1, wherein said step of storing a biometric sample includes storing a proffered biometric sample on at least one of a local database, a remote database, and a third-party controlled database.