SYSTEM FOR BIOMETRIC SECURITY USING A FOB

• US 20040232220A1
• Filed: 03/26/2004
• Published: 11/25/2004
• 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: Larkip, Carl, Bonalle, David S., Saunders, Peter D., Beenau, Blayn W., Gray, William J., Fields, Seth W., Montgomery, Joshua L.
• Granted Patent: US 7,303,120 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• CPC Class Codes: G01D 21/00 Measuring or testing not otherwise provided for
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/35 communicating wirelessly
• CPC Class Codes: G06F 2221/2107 File encryption
• 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 20/1085 involving automatic teller machines [ATMs]
• 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 20/321 using wearable 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 20/355 Personalisation of cards for use
• CPC Class Codes: G06Q 20/382 insuring higher security of transaction
• 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 20/4014 Identity check for transactions
• CPC Class Codes: G06Q 20/40145 Biometric identity checks
• CPC Class Codes: G06Q 30/0215 : Including financial accounts
• CPC Class Codes: G07C 9/247 : electronically, e.g. by comparing signal of hand-writing with a reference signal from the pass
• 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 9/27 : with central registration
• 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 7/1008 : Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system
• CPC Class Codes: H04L 63/0861 : using biometrical features, e.g. fingerprint, retina-scan cryptographic mechanisms or cryptographic arrangements for entity authentication using biological data H04L9/3231
• CPC Class Codes: H04L 63/0869 : for achieving mutual authentication cryptographic mechanisms or cryptographic arrangements for mutual authentication H04L9/3273
• CPC Class Codes: H04W 12/069 : using certificates or pre-shared keys
• CPC Class Codes: H04W 88/02 : Terminal devices

Abstract

The present invention discloses a system and methods for biometric security using biometrics in a transponder-reader system. The biometric security system also includes a biometric sensor that detects biometric samples and a device for verifying biometric samples. In one embodiment, the biometric security system includes a transponder configured with a biometric sensor. In another embodiment, the system includes a reader configured with a biometric sensor. The device for verifying samples compares the biometric samples with information stored on databases.

Claims

1. A transponder-reader transaction system configured with a biometric security system, said system comprising:

a transponder configured to communicate with a reader;

a reader configured to communicate with said system;

a biometric sensor configured to detect a proffered biometric sample, said biometric sensor configured to communicate with said system; and

,

a device configured to verify said proffered biometric sample to facilitate a transaction.

2. The transponder-reader transaction system of claim 1, wherein said sensor is configured to communicate with said system via at least one of a transponder, a reader, and a network.

3. The transponder-reader transaction system of claim 1, wherein said biometric sensor is configured to facilitate a finite number of scans.

4. The transponder-reader transaction system of claim 1, wherein said biometric sensor is configured to log at least one of a detected biometric sample, processed biometric sample and stored biometric sample.

5. The transponder-reader transaction system of claim 1, further including a database configured to store a data packed, wherein said data packet includes at least one of proffered and registered biometric samples, proffered and registered user information, terrorist information, and criminal information.

6. The transponder-reader transaction system of claim 5, wherein said database is contained in at least one of the transponder, transponder reader, sensor, remote server, merchant server and transponder-reader system.

7. The transponder-reader transaction system of claim 6, wherein said remote database is configured to be operated by an authorized sample receiver.

8. The transponder-reader transaction system of claim 1, further including a device configured to compare a proffered biometric sample with stored biometric sample.

9. The transponder-reader transaction system of claim 8, wherein said device is configured to compare at least one characteristic of a biometric sample including minutia, vascular patterns, prints, waveforms, odorants, nodal points, reference points, size, shape, thermal patterns, blood flow, and body heat.

10. The transponder-reader transaction system of claim 8, wherein said device configured to compare a biometric sample is at least one of a third-party security vendor device and protocol/sequence controller.

11. The transponder-reader transaction system of claim 8, wherein a stored biometric sample comprises a registered biometric sample.

12. The transponder-reader transaction system of claim 11, wherein a registered biometric sample is associated with at least one of:

personal information, credit card information, debit card information, savings account information, and loyalty point information.

13. The transponder-reader transaction system of claim 12, wherein different registered biometric samples are associated with a different one of:

personal information, credit card information, debit card information, savings account information, and loyalty point information.

14. The transponder-reader transaction system of claim 12, wherein a biometric sample is primarily associated with at least one of first user information, wherein said first information comprises personal information, credit card information, debit card information, savings account information, and loyalty point information, and wherein a biometric sample is secondarily associated with at least one of second user information, wherein said second information comprises personal information, credit card information, debit card information, savings account information, and loyalty point information, where second user information is different than first user information.

15. The transponder-reader transaction system of claim 1, wherein said transponder-reader transaction system is configured to begin mutual authentication upon verification of said proffered biometric sample.

16. The transponder-reader transaction system of claim 1, wherein said transponder is configured to deactivate upon rejection of said proffered biometric sample.

17. The transponder-reader transaction system of claim 1, wherein said sensor is configured to provide a notification upon detection of a sample.

18. The transponder-reader transaction system of claim 1, wherein said device configured to verify is configured to facilitate at least one of access, activation of a device, a financial transaction, and a non-financial transaction.

19. The transponder-reader transaction system of claim 1, wherein said device configured to verify is configured to facilitate the use of at least one secondary security procedure.