System and method for biometric-based fraud protection

• US 20050225430A1
• Filed: 12/19/2002
• Published: 10/13/2005
• Est. Priority Date: 12/19/2001
• Status: Active Grant

• Current Assignee: Mark K. Seifert
• Original Assignee: Mark K. Seifert
• Inventors: Seifert, Mark K.
• Granted Patent: US 7,310,042 B2
• Time in Patent Office: Days
• US Class Current: 340/5.530
• CPC Class Codes: G05B 19/0425 Safety, monitoring
• CPC Class Codes: G05B 2219/24162 Biometric sensor, fingerprint as user access password
• CPC Class Codes: G05B 2219/24167 Encryption, password, user access privileges
• CPC Class Codes: G06F 21/32 using biometric data, e.g. fingerprints, iris scans or voiceprints
• CPC Class Codes: G06F 21/34 involving the use of external additional devices, e.g. dongles or smart cards
• 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

Abstract

A biometric fingerprint device for preventing fraud based on the device having standalone, self-authentication of the identity of predetermined user(s) and its interactivity with a database that is initiated via a controlled singularity of registration, i.e. contemporaneous registration of a user'"'"'s fingerprint(s) into a database and registration, initialization, and authentication of that same fingerprint(s) onto a standalone biometric fingerprint device.

Claims

1. An identification system for authenticating a user comprising

an identification card having a substrate including an internal memory device and an internal control device in electronic communication for providing activation of the card for use by an authorized user, wherein the user inputs a biometric identifier input via a biometric input device that communicates with the internal memory device and the internal control device for providing the biometric identifier input, the biometric identifier input is validated and authenticated upon transmission of the biometric identifier input to a database stored on a remote computer and receipt of a validation response from the database, wherein the card is in communication with the database for the transmission of the biometric identifier input and receipt of the validation response, and wherein the database confirms the singular, unique existence of a match to the biometric identifier input that corresponds to the user, wherein the match is stored in the database.

2. The system according to claim 1, wherein the biometric identifier input corresponds to at least one fingerprint of the user.

3. The system according to claim 1, wherein the transmission of the biometric identifier input is provided by data packet transmission.

4. The system according to claim 1, wherein the transmission includes tonal transmission representing the biometric identifier input.

5. The system according to claim 1, wherein the card provides for freestanding identification of the user.

6. The system according to claim 1, wherein the singular, unique existence of the match in the database prevents duplicate identifications for the biometric identifier input.

7. The system according to claim 1, wherein the singular, unique existence of the match in the database prevents duplicate identifications for the user.

8. The system according to claim 1, wherein the database includes a closed system of a multiplicity of users.

9. The system according to claim 8, wherein the closed system is based upon a membership that excludes non-members.

10. The system according to claim 1, wherein the database includes an open system of a multiplicity of users.

11. The system according to claim 1, further including a controlled singularity of registration for the user and/or the biometric identification input corresponding to the user is provided by an essentially simultaneous registration of the card and of the user and/or the biometric identification input into the database.

12. The system according to claim 11, wherein the registration is made in person by the user at a designated computer in communication with the remote computer of the database.

13. The system according to claim 12, wherein the registration is made with a confirming assistant.

14. The system according to claim 1, further including a transaction.

15. The system according to claim 14, wherein the transaction that is made by the user follows validation of the user and the biometric identification input by the database.

16. The system according to claim 14, further including a charge that is assessed to the user for accessing the database, the charge being stored in the internal memory device of the card and/or the database.

17. A method for using an identification system comprising the steps of:

providing an identification card having a substrate including an internal memory device and an internal control device in electronic communication for providing activation of the card for use by an authorized user;

inputting a biometric identifier input corresponding to the user via a biometric input device that communicates with the internal memory device and the internal control device for providing the biometric identifier input;

transmitting the biometric identifier input to a database stored on a remote computer;

validating the biometric identifier input and/or the user by confirming the existence of a match to the biometric identifier input that corresponds to the user that is stored in the database on the remote computer;

receiving a validation response from the database by the card, while the card is in communication with the database for the transmission of the biometric identifier input and receipt of the validation response;

confirming a singular, unique existence of the biometric identifier input and/or the user in the database;

and, where the card has never been authenticated and/or activated previously, confirming registration of the biometric identifier and corresponding user in the database.

18. The method according to claim 17, further including the step of

authorizing a transaction for the card based upon the confirmation, where the card had previously been authenticated and/or activated previously.

19. The method according to claim 17, further including the step of denying a transaction and/or the authentication where more than a singular unique registration exists in the database for the biometric identification input and/or the user.