METHOD FOR REGISTERING A BIOMETRIC FOR USE WITH A SMARTCARD

• US 20060016875A1
• Filed: 07/01/2004
• Published: 01/26/2006
• Est. Priority Date: 07/01/2004
• 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., Salow, Glen
• Granted Patent: US 7,325,724 B2
• Time in Patent Office: Days
• US Class Current: 235/380
• 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 20/40 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 20/40145 Biometric identity checks
• 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: G07F 7/1008 Active credit-cards provided with means to personalise their use, e.g. with PIN-introduction/comparison system

Abstract

The present invention discloses a method for registering biometric information for use in a smartcard-reader system. The method comprises the steps of contacting an authorized sample receiver and submitting a biometric to a sensor to facilitates the sensor in obtaining a biometric sample. The method also includes providing user information and smartcard information to the smartcard-reader system to facilitate associating the biometric sample with the user and smartcard information.

Claims

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

receiving a proffered biometric sample at a sample receiver;

receiving user information and smartcard information at said sample receiver; and

associating said proffered biometric sample with said user information and said smartcard information to create a data packet, wherein said proffered biometric sample is associated with at least two accounts, wherein each of said at least two accounts includes at least one of;

a charge card account, a credit card account, a debit card account, a savings account, a private label account and a loyalty point account.

2. The method of claim 1, wherein said step of receiving said proffered biometric sample at said sample receiver includes said sample receiver contacting at least one of a computer, Internet, software, hardware, a third-party biometric entity, a kiosk, a biometric registration terminal, and a communication device.

3. The method of claim 1, wherein said step of receiving said proffered biometric sample further includes at least one of:

processing, storing, comparing, and verifying said proffered biometric sample

4. The method of claim 1, wherein said step of associating said proffered biometric sample with said user information and said smartcard information further includes associating said proffered biometric sample with personal information.

5. The method of claim 14, wherein said step of associating said proffered biometric sample with said user information and said smartcard information further includes storing said data packet on a database, wherein said database is contained in at least one of a smartcard, a smartcard reader, a sensor, a remote server, a merchant server and said smartcard system.

6. The method of claim 1, further including facilitating registration of a second proffered biometric sample.

7. The method of claim 1, wherein said step of associating said proffered biometric sample with said user information and said smartcard information includes associating different proffered biometric samples with a different one of:

personal information, charge card information, credit card information, debit card information, savings account information, membership information, PayPal account information, Western Union Account information, electronic bill payment information, automatic bill payment information and loyalty point information.

8. The method of claim 1, wherein said step of associating said proffered biometric sample with said user information and said smartcard information includes primarily associating said proffered biometric sample with a first user information, wherein said first user information comprises at least one of personal information, credit card information, charge card information, debit card information, savings account information, membership information, PayPal account information, Western Union Account information, electronic bill payment information, automatic bill payment information and loyalty point information, and associating said proffered biometric sample with at least one of a second user information, wherein said second user information comprises at least one of personal information, credit card information, charge card information debit card information, savings account information, membership information, PayPal account information, Western Union Account information, electronic bill payment information, automatic bill payment information and loyalty point information, wherein said second user information is different than said first user information.

9. The method of claim 1, wherein said step of associating said proffered biometric sample with said user information and said smartcard information includes associating a first proffered biometric sample with a first user information, wherein said first user information comprises at least one of personal information, credit card information, charge card information, debit card information, savings account information, membership information, PayPal account information, Western Union Account information, electronic bill payment information, automatic bill payment information and loyalty point information, and facilitating registration of a second proffered biometric sample by associating a said second proffered biometric sample with second user information, wherein said second user information comprises at least one of personal information, credit card information, charge card information, debit card information, savings account information, membership information, PayPal account information, Western Union Account information, electronic bill payment information, automatic bill payment information and loyalty point information.

10. The method of claim 1, wherein said step of associating said proffered biometric sample with said user information and said smart information includes associating a first proffered biometric sample with a first user information, wherein said first user information comprises at least one of personal information, credit card information, charge card information, debit card information, savings account information, membership information, PayPal account information, Western Union Account information, electronic bill payment information, automatic bill payment information and loyalty point information, and associating a second proffered biometric sample with a second user information, wherein said second user information comprises at least one of personal information, charge card information, credit card information, debit card information, savings account information, membership information, PayPal account information, Western Union Account information, electronic bill payment information, automatic bill payment information and loyalty point information, wherein said second user information is different than said first user information.

11. The method of claim 1, wherein said step of associating said proffered biometric sample with said user information and said smartcard information to includes associating a plurality of proffered biometric samples with user information, wherein each proffered biometric sample is associated with different user information.

12. The method of claim 1, further comprising verifying said proffered biometric sample using a secondary identification by facilitating the use of a secondary security procedure.

13. The method of claim 1, further comprising associating said data packet with a personal identification number to facilitate access to said data packet.

14. The method of claim 1, wherein said step of receiving said proffered biometric sample at said sample receiver includes receiving said proffered biometric sample at least one of;

a local database, a remote database, a portable storage device, a host system, an issuer system, a merchant system, a fob issuer system, an employer, a financial institution, a non-financial institution, a loyalty point provider, a company, the military, the government, a school, a travel entity, a transportation authority, a POS and a security company.

15. The method of claim 1, wherein said step of receiving said proffered biometric sample includes receiving at least one of:

a retinal scan, an iris scan, a fingerprint scan, a hand print scan, a hand geometry scan, a voice print scan, a vascular scan, a facial scan, an ear scan, a signature scan, a keystroke scan, an olfactory scan, an auditory emissions scan, and a DNA scan.

16. The method of claim 1, wherein said step of associating said proffered biometric sample with said user information and said smartcard information includes associating a preset transaction amount with at least one of:

said charge card account, said credit card account, said debit card account, said savings account, said private label account and said loyalty point account.

17. The method of claim 1, wherein said at least two accounts are unassociated accounts.